MY VOYAGEGUARD TRAVEL INSURANCE - POLICY WORDING

 
My VoyageGuard Travel Insurance
                                                          My VoyageGuard Travel Insurance

                                                          Policy Wording

          © 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
1         and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.
My VoyageGuard Travel Insurance

                                                         Contents
                                                         Part 1 Interpretation                                                                                            7
                                                                Section 1 – Definitions                                                                                   7
                                                         Part 2 Eligibility                                                                                              9
                                                         Part 3 Scope And Limits Of Cover And Benefits                                                                   10
                                                                Section 1 – Choice Of Plans                                                                              10
                                                                Section 2 – Commencement Of Coverage                                                                     10
                                                                Section 3 – Limits Of Coverage                                                                           10
                                                                Section 4 – Policy Extension                                                                             10
                                                         Part 4 General Exclusions                                                                                       11
                                                         Part 5 Special Conditions                                                                                       12
                                                                Section 1 – Conditions Applicable To Annual
                                                                            Policies Only                                                                                12
                                                                Section 2 – Conditions Applicable To Single Trip
                                                                            Policies Only                                                                                12
                                                         Part 6 General Conditions                                                                                       12
                                                         Part 7 Benefits		                                                                                               15
                                                                Section 1 – Accidental Death And Permanent
                                                                            Disablement                                                                                  15
                                                                Section 2 – Double Public Transport Cover                                                                15
                                                                Section 3 – Overseas Medical And Accidental
                                                                            Dental Expenses                                                                              16
                                                                Section 4 – Overseas Medical Expenses
                                                                            (Women’s Benefit)                                                                            16
                                                                Section 5 – Overseas Hospital Confinement Benefit                                                        16
                                                                Section 6 – Compassionate Visit Overseas                                                                 17
                                                                Section 7 – Return Of Minors                                                                             17
                                                                Section 8 – Emergency Telephone Charges                                                                  17
                                                                Section 9 – Post Journey Medical Expenses                                                                17
                                                                Section 10 – Post Journey Hospital Confinement Benefit                                                   18
                                                                Section 11 – Chubb Assistance – Emergency Medical
                                                                             Evacuation And Repatriation                                                                 18
                                                                Section 12 – Chubb Assistance – Repatriation Of
                                                                             Mortal Remains                                                                              19
                                                                Section 13 – Personal Liability                                                                          19

          © 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
2         and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.
My VoyageGuard Travel Insurance

                                                            Section 14 – Legal Expenses                                                                        20
                                                            Section 15 – Travel Cancellation                                                                   20
                                                            Section 16 – Travel Curtailment                                                                    20
                                                            Section 17 – Travel Delay                                                                          21
                                                            Section 18 – Travel Postponement                                                                   21
                                                            Section 19 – Travel Misconnection                                                                  22
                                                            Section 20 – Flight Diversion                                                                      22
                                                            Section 21 – Flight Overbooked                                                                     22
                                                            Section 22 – Alternative Travel Due To Infectious Disease                                          22
                                                            Section 23 – Loss Of Deposit Due To Insolvency
                                                                         Of Travel Agent                                                                       22
                                                            Section 24 – Loss Of Frequent Flyer Points                                                         23
                                                            Section 25 – Personal Property And Baggage                                                         23
                                                            Section 26 – Baggage Delay                                                                         24
                                                            Section 27 – Personal Money And Travel Documents                                                   24
                                                            Section 28 – Fraudulent Credit Card Usage                                                          25
                                                            Section 29 – Credit Card Outstanding Balance                                                       25
                                                            Section 30 – Kidnap/Hostage                                                                        25
                                                            Section 31 – Hijack Of Public Conveyance                                                           25
                                                            Section 32 – Home Guard                                                                            25
                                                            Section 33 – Rental Vehicle Excess                                                                 26
                                                            Section 34 – Rental Vehicle Return                                                                 26
                                                            Section 35 – Pet Cover                                                                             27
                                                            Section 36 – Winter Sports Option                                                                  27
                                                            Section 37 – Golf Option                                                                           28
                                                            Section 38 – Terrorism Extension                                                                   29
                                                      Part 8 Chubb Assistance – Scope Of Services
                                                            Section A – Pre-Trip Assistance                                                                    29
                                                            Section B – Travel Assistance                                                                      29
                                                            Section C – Medical Assistance                                                                     29
                                                            Section D – Medical Arrangements                                                                   29
                                                            Section E – Medical Emergencies                                                                    29

© 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.                                                                                     3
My VoyageGuard Travel Insurance

Benefit Schedule
      Summary of Benefits                                                                             Plan Category
                                                                                                      Essential                   Standard                   Superior
Personal Accident (SGD)
1     Accidental Death & Permanent Disablement                                                        125,000                     250,000                    500,000
      – For Children (Family Plan only)                                                               31,250                      62,500                     125,000
      – For Adult above 70 years old                                                                  62,500                      125,000                    250,000
2     Double Public Transport Cover                                                                   250,000                     500,000                    1,000,000
      – For Children (Family Plan only)                                                               62,500                      125,000                    250,000
     – For Adult above 70 years old                                                                   125,000                     250,000                    500,000
Overseas Medical and Travel Expenses (SGD)

3     Overseas Medical and Accidental Dental Expenses                                                 500,000                     1,000,000                  2,000,000
      – For Children (Family Plan only)                                                               62,500                      125,000                    250,000
      – For Adult above 70 years old                                                                  125,000                     250,000                    500,000
      Traditional Chinese Medicine                                                                    max 300                     max 300                    max 300
4     Overseas Medical Expenses (Women’s Benefit)                                                     2,000                       3,000                      5,000
5     Overseas Hospital Confinement Benefit                                                           200 per day                 200 per day                200 per day
                                                                                                      max 25 days                 max 100 days               max 250 days
6     Compassionate Visit Overseas                                                                    2,500                       5,000                      10,000
7     Return of Minors                                                                                2,500                       5,000                      10,000
8     Emergency Telephone Charges                                                                     150                         300                        Actual Cost
9     Post Journey Medical Expenses                                                                   12,500                      25,000                     50,000
      Traditional Chinese Medicine                                                                    max 750                     max 750                    max 750
10    Post Journey Hospital Confinement Benefit                                                       100 per day                 100 per day                100 per day
                                                                                                      max 5 days                  max 10 days                max 20 days
11    Chubb Assistance – Emergency Medical Evacuation & Repatriation                                  500,000                     1,000,000                  Unlimited
12    Chubb Assistance – Repatriation of Mortal Remains                                               500,000                     1,000,000                  Unlimited
Liability (SGD)
13    Personal Liability                                                                              500,000                     1,000,000                  2,000,000
14   Legal Expenses                                                                                   25,000                      75,000                     150,000
Travel Inconveniences (SGD)
15   Travel Cancellation                                                                              5,000                       10,000                     20,000
16    Travel Curtailment                                                                              5,000                       10,000                     20,000
17    Travel Delay                                                                                    200 per 6 cons              200 per 6 cons             200 per 6 cons
                                                                                                      hrs max 800                 hrs max 1,200              hrs max 2,400
18    Travel Postponement                                                                             500                         1,000                      2,000
19    Travel Misconnection                                                                            100 per 6 cons              100 per 6 cons             200 per 6 cons
                                                                                                      hrs max 800                 hrs max 1,000              hrs max 2,000
20    Flight Diversion                                                                                100 per 6 cons              100 per 6 cons             200 per 6 cons
                                                                                                      hrs max 800                 hrs max 1,000              hrs max 2,000
21    Flight Overbooked                                                                               100 after 6 hrs             200 after 6 hrs            500 after 6 hrs
22    Alternative Travel due to Infectious Diseases                                                   2,500                       5,000                      10,000
23    Loss of Deposit due to Insolvency of Travel Agent                                               1,000                       2,000                      5,000
24    Loss of Frequent Flyer Points                                                                   5,000                       10,000                     20,000
25    Personal Property and Baggage                                                                   3,500 max 500               5,000 max 500              8,000 max 500
                                                                                                      per item 1,000              per item 1,000             per item 1,000
                                                                                                      for laptop                  for laptop                 for laptop
26    Baggage Delay                                                                                   200 per 6 cons              200 per 6 cons             200 per 6 cons
                                                                                                      hrs max 800                 hrs max 1,200              hrs max 2400
27    Personal Money and Travel Documents                                                             1,000 max 300               3,000 max 300              5,000 max 300
                                                                                                      money                       money                      money

          © 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
4         and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.
My VoyageGuard Travel Insurance

       Summary of Benefits                                                                               Plan Category
                                                                                                         Essential                   Standard                   Superior
28     Fraudulent Credit Card Usage                                                                      1,000                       2,000                      5,000
29     Credit Card Outstanding Balance                                                                   2,500                       5,000                      10,000
30     Kidnap / Hostage                                                                                  100 per 6 hrs               150 per 6 hrs              200 per 6 hrs
                                                                                                         max 2,000                   max 5,000                  max 10,000
31     Hijack of Public Conveyance                                                                       100 per 6 hrs               150 per 6 hrs              200 per 6 hrs
                                                                                                         max 2,000                   max 5,000                  max 10,000
Lifestyle (SGD)
32    Home Guard                                                                                         NA                          5,000                      10,000
33     Rental Vehicle Excess                                                                             NA                          500                        1,000
34     Rental Vehicle Return                                                                             NA                          250                        500
35     Pet Cover                                                                                         NA                          50 per 6 cons              100 per 6 cons
                                                                                                                                     hours max 500              hours max 500
Winter Sports (Optional) (SGD)
36A Ski Equipment                                                                                        NA                          3,000 max                  5,000 max
                                                                                                                                     1,000 per                  1,000 per
                                                                                                                                     item                       item
36B    Piste closure                                                                                     NA                          50 per day                 100 per day
                                                                                                                                     max 250                    max 250
36C Unused ski equipment hire, lift passes and ski school expenses                                       NA                          500                        1,000
36D Replacement of ski pass or ski lift pass                                                             NA                          250                        500
Golf (Optional) (SGD)
37A Golf Equipment                                                                                       NA                          3,000 max                  5,000 max
                                                                                                                                     1,000 per                  1,000 per
                                                                                                                                     item                       item
37B    Hole-In-One                                                                                       NA                          300                        500
37C Unused Green Fees                                                                                    NA                          750                        1,000
Others
     24-hr Worldwide Medical Emergency Assistance Hotline                                                Yes                         Yes                        Yes
       24-hr Travel Advice Hotline                                                                       Yes                         Yes                        Yes
       Terrorism extension                                                                               Yes                         Yes                        Yes
       Automatic Extension of Cover if insured is sick or injured                                        Public                      Public                     Public
       while overseas                                                                                    Transport:                  Transport:                 Transport:
                                                                                                         14 days                     14 days                    14 days
                                                                                                         Injury / Illness:           Injury / Illness:          Injury / Illness:
                                                                                                         30 days                     30 days                    30 days
Important Notes
1. The amounts listed above are the maximum coverage payable for each benefit.
2. All benefit items are on reimbursement basis where you will be reimbursed for the expenses incurred except for benefit items
    1, 2, 5, 10, 17, 19, 20, 21, 26, 30, 31, 35, 36B.
3. Maximum of 90 days per Journey for Annual Multi-Trip Policy.
4. “Pre-existing conditions” will not be covered.
5. Please refer to the Policy Wording for the full specifications, conditions and exclusions.

       © 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
       and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.                                                                                                  5
My VoyageGuard Travel Insurance

Part 1    Interpretation                                   Certificate of Insurance means                                  Family Member means an Insured
                                                           the Certificate of Insurance which is                           Adult’s Partner, parent, parent-in-law,
Section 1 – Definitions                                                                                                    grandparent, child, brother or sister.
                                                           incorporated and forms part of this
In this Policy, unless otherwise defined                   Policy.
                                                                                                                           Financial Default means the complete
or the context otherwise requires:
                                                           Chinese Physician means a legally                               suspension of operations due to
Accident means a sudden unforeseen                         licensed Traditional Chinese Medicine                           financial circumstances whether or not
and fortuitous event and Accidental                        practitioner (including a Chinese                               bankruptcy petition is filed; or partial
shall have a corresponding meaning.                        acupuncturist or bonesetter) duly                               suspension of operations following a
                                                           registered and practicing within the                            filing of a bankruptcy petition.
Acts of Terrorism means any actual
or threatened use of force or violence                     scope of his license pursuant to the laws                       Home Country means any country to
directed at or causing damage, injury,                     of the country in which such practice is                        which the Insured Person is a citizen.
harm or disruption, or commission of                       maintained. Chinese Physician shall
                                                                                                                           Hospital means a legally constituted
an act dangerous to human life or                          not include the Insured Persons or
                                                                                                                           establishment operated pursuant to the
property, against any individual,                          any of their relatives unless otherwise
                                                                                                                           laws of the country in which it is based,
property or government, which the                          approved by the Company.
                                                                                                                           which holds a license as a hospital (if
stated or unstated objective of pursuing                   Civil Commotion means a disturbance,                            licensing is required in the state or
economic, ethnic, nationalistic, political,                commotion or disorder created by                                government jurisdiction) and meets the
racial or religious interests, whether such                civilians usually against a governing                           following requirements:
interests are declared or not. Robberies                   body or the policies thereof.
                                                                                                                           (i) operates primarily for the
or other criminal acts, primarily
                                                           Confined or Confinement means                                       reception, medical care and
committed for personal gain and acts
                                                           confinement in Hospital for at least a                              medical treatment of sick, ailing or
arising primarily from prior personal
                                                           Day as a Resident in-Patient (other than                            injured persons as in-patients;
relationships between perpetrator(s)
                                                           for day surgery) upon the advice of and                         (ii) provides full-time nursing service
and victim(s) shall not be considered
                                                           under the regular care and attendance                                by and under the supervision of a
Act of Terrorism. Act of Terrorism shall
                                                           of a Physician and for this purpose,                                 staff of Nurses;
also include any act, which is verified or
                                                           Day shall mean a period for which the
recognized by the (relevant) government                                                                                    (iii) has a staff of one (1) or more
                                                           Hospital charges for room and board.
as an act of terrorism.                                                                                                          Physicians available at all times;
                                                           Dental Expenses means reasonable
Annual Policy means a policy issued                                                                                        (iv) maintains organized facilities for
                                                           and necessary charges for dental
for the selected plan where the Insured                                                                                         the medical diagnosis and treatment
                                                           treatment, carried out by a Dentist,
Person(s) can make an unlimited                                                                                                 of such persons, and provides
                                                           medically necessary to treat the Insured
number of Journeys to the selected                                                                                              (where appropriate) facilities for
                                                           Person’s condition, including charges
region of travel during the Period of                                                                                           major surgery within the confines
                                                           for medical supplies or services, not
Insurance.                                                                                                                      of the establishment or in facilities
                                                           exceeding the usual level of charges
                                                                                                                                controlled by the establishment;
Asia Pacific means Australia, New                          for similar treatment, supplies or
Zealand, China, Taiwan, Hong Kong,                         medical services in the locality where                          and Hospital shall not include the
Macau, Mongolia, Japan, Korea, India,                      the expense is incurred and does not                            following:
Sri Lanka, and includes South East Asia.                   include charges that would not have                             (a) a mental institution; an institution
                                                           been made if no insurance existed.                                  confined primarily to the treatment
Benefit means the respective benefit,
as stated in the Certificate of Insurance,                 Dentist means a legally licensed dentist                            of psychiatric disease including
payable by the Company under the                           or dental surgeon duly registered and                               sub-normality; the psychiatric
terms and conditions of this Policy in                     practicing within the scope of his license                          department of a hospital.
respect of each event or loss covered by                   pursuant to the laws of the country                             (b) a health hydro or nature cure clinic;
this Policy.                                               in which such practice is maintained.                               a place for or a special unit of a
                                                           Dentist shall not include the Insured                               hospital used primarily as a place
Bodily Injury means injury sustained
                                                           Person or any of their relatives unless                             for drug addicts or alcoholics,
by an Insured Person resulting solely,
                                                           otherwise approved by the Company.
directly and independently of all other                                                                                    (c) a clinic, nursing, rest, rehabilitative,
causes from an Accident and caused by                      Effective Date means the effective date                             convalescent home, extended care
external, violent and visible means.                       in the Certificate of Insurance.                                    facility or similar establishment.

           © 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
6          and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.
My VoyageGuard Travel Insurance

Insured Adult(s) means (an) adult(s)                         any Journey or be at least twelve (12)                          (iii) 11.59 p.m. on the expiry date of the
between the age of eighteen (18)                             years old if travelling alone during the                              Period of Insurance specified in the
years and eighty (80) years on the                           Period of Insurance.                                                  Certificate of Insurance;
Effective Date.
                                                             Journey means a One Way Journey or a                            (iv) the time the Insured Person arrives
Insured Child(ren) means legally                             Return Journey.                                                      at his place of residence or place
dependent child(ren) (including                                                                                                   of employment in the destination
stepchild(ren)) and/or legally adopted                       Loss of Limb means total functional
                                                                                                                                  country.
child(ren) of the Insured Person.                            disablement or loss by complete and
                                                             permanent physical severance of a                               Overseas means anywhere outside
Insured Person(s) means Insured                              hand at or above the wrist or a foot at                         Singapore, except Cuba.
Adult, his Partner and/or their Insured                      or above the ankle.
Child(ren) named as such on the                                                                                              Partner means spouse or de-facto
Certificate of Insurance, as follows:                        Loss of Sight means the entire and                              with whom the Insured Person has
                                                             permanent loss of all sight in any eye                          been living permanently with at least
SINGLE TRIP POLICY
                                                             rendering the Insured Person absolutely                         three (3) months or more at the time of
For “Individual” Plan, the individual                        blind in that eye and beyond remedy by                          Accident/Sickness.
must be:                                                     surgical or other treatment.
                                                                                                                             Period of Insurance means the period
(a) an Insured Adult or                                      Loss of Speech and Hearing means                                during which the coverage under this
                                                             total and irrecoverable loss of speech                          Policy is effective, as stated in the
(b)	an Insured Child who is travelling
     with an adult throughout the                            and hearing which is beyond remedy by                           Certificate of Insurance.
     Journey.                                                surgical or other treatment.
                                                                                                                             Permanent Disablement means
For “Couple” Plan, the “Couple” shall                        Medical Expenses means Usual,                                   disablement that results solely, directly
comprise:                                                    Reasonable and Customary Medical                                and independently of all other causes
                                                             Expenses necessarily and reasonably                             from Bodily Injury and which occurs
(c) a maximum of two (2) Insured                                                                                             within one hundred and eighty (180)
                                                             incurred in the medical or surgical
    Adults who need not be related.
                                                             treatment of Bodily Injury or Sickness                          consecutive days of the Accident in
For “Family” Plan, the “Family” shall                        covered by this Policy.                                         which Bodily Injury was sustained, and:
comprise:
                                                             Nominated Account means the                                     (i) falls into one of the categories
(d) a maximum of two (2) Insured                             account designated by the Insured                                   listed in the Table of Benefits, Part
    Adults who need not be related,                          Person, which is not a Medisave                                     7, Section 1 – Accidental Death and
    and                                                      account, to which premiums are to be                                Permanent Disablement; or
(e) any number of Insured Child(ren)                         charged.
                                                                                                                             (ii) is a disablement lasting twelve
    belonging to at least one of the                         Nurse means any qualified or trainee                                 (12) consecutive months from the
    Insured Adults referred to herein.                       nurse or general nurse duly registered                               date of Accident and at the expiry
ANNUAL POLICY                                                pursuant to the laws of the country in                               of that period, is beyond hope of
                                                             which the nurse is employed.                                         improvement.
For “Individual” Plan, the individual
must be an Insured Adult.                                    One Way Journey means a one way                                 Permanent Total Disablement
                                                             trip made by the Insured Person from                            means disablement that results solely,
For “Couple” Plan, the “Couple” shall
                                                             Singapore to a destination outside                              directly or independently of all other
comprise:
                                                             Singapore, and shall commence on the                            causes from Bodily Injury and which
(a) an Insured Adult, and                                    later of the following:                                         occurs within one hundred eighty
                                                                                                                             (180) days of the Accident in which
(b) his Partner                                              (i) 12.00 a.m. on the Effective Date of
                                                                                                                             such Bodily Injury was sustained, lasts
For “Family” Plan, the “Family” shall                            the Period of Insurance specified in
                                                                                                                             for twelve (12) consecutive months
comprise:                                                        the Certificate of Insurance;
                                                                                                                             and at the expiry of the period will in
(c) an Insured Adult, and                                    (ii) the time the Insured Person leaves                         all probability, entirely prevent the
                                                                  his home or usual place of                                 Insured Person from engaging in gainful
(d) his Partner, and                                              employment in Singapore to                                 employment of any and every kind for
(e) their Insured Child(ren)                                      commence the trip;                                         the remainder of his life.

Each Insured Child in a “Family” Plan                        and shall terminate on the earlier of the                       Pre-existing Condition means any
must be accompanied by an adult on                           following:                                                      condition which:

       © 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
       and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.                                                                                       7
My VoyageGuard Travel Insurance

(i) the Insured Person received                            (iv) the time the Insured Person returns                        South East Asia means Cambodia,
    medical treatment, diagnosis,                               to his home or usual place of                              Laos, Myanmar, Thailand, Vietnam,
    consultation or prescribed drugs                            employment in Singapore.                                   Indonesia, Malaysia, Philippines, Brunei
    within a twelve (12) month period                                                                                      and Timor Leste.
                                                           Resident In-patient means an
    preceding the commencement of a
                                                           Insured Person whose Confinement is                             Strike means the willful act of any
    Journey, or
                                                           as a resident bed patient and whose                             striker or locked-out worker done in
(ii) medical advice or treatment was                       confinement is due to Bodily Injury or                          furtherance of a strike or in resistance
     recommended by a Physician                            Sickness and is covered by this Policy                          to a lock-out; or the action of any
     within a twelve (12) month period                     and not merely for any form of nursing,                         lawfully constituted authority in
     preceding the commencement of a                       convalescence, rehabilitation, rest or                          preventing or attempting to prevent
     Journey, or                                                                                                           any such act in minimizing the
                                                           extended-care.
                                                                                                                           consequences of any such act.
(iii) a reasonable person in the                           Riot means the act of any person
      circumstances would be expected                                                                                      Traditional Chinese Medicine
                                                           taking part together with others in
      to be aware of within a twelve                                                                                       Expenses means the reasonable
                                                           any disturbance of the public peace
      (12) month period preceding the                                                                                      expenses for treatments of Bodily Injury
                                                           (whether in connection with a strike
      commencement of a Journey.                                                                                           or Sickness by a Chinese Physician.
                                                           or lock-out or not) or the action of any
Physician means a legally licensed                         lawfully constituted governmental                               Travel Companion means a person
physician or surgeon duly registered                       authority in suppressing or attempting                          who has travel bookings to accompany
and practicing within the scope of                         to suppress any such disturbance or in                          the Insured Person on a Journey. A
his license pursuant to the laws of                        minimizing the consequences of such                             Travel Companion must be an Insured
the country in which such practice is                      disturbance.                                                    Person of a travel insurance policy
maintained. Physician shall not include                                                                                    underwritten by the Company for the
                                                           Scheduled Departure Date means                                  same Journey.
the Insured Persons or any of their
relatives unless otherwise approved by                     the date on which the Insured Person is
                                                                                                                           Usual, Reasonable and Customary
the Company.                                               scheduled to depart on a Journey as set
                                                                                                                           Medical Expenses means charges for
                                                           out in his travel ticket.
Public Conveyance means any land,                                                                                          treatment, supplies or medical services
sea or air conveyance operated under                       Sickness means physical condition                               medically necessary to treat the Insured
a license for the transportation of fare                   marked by a pathological deviation                              Person’s condition, does not exceed
paying passengers, and which has fixed                     from the normal healthy state as                                the usual level of charges for similar
and established routes only.                               verified by a Physician.                                        treatment, supplies or medical services
                                                                                                                           in the locality where the expense is
Renewal Date means one (1) year from                       Singapore Resident means a                                      incurred and does not include charges
the Effective Date and subsequently, the                   Singapore Citizen or Singapore                                  that would not have been made if no
same day of each successive year.                          Permanent Resident or Valid Work                                insurance existed.
                                                           Permit Holder or Valid Employment
Return Journey means a return trip                                                                                         Worldwide means any countries
                                                           Pass Holder or Valid Dependant’s Pass
made by the Insured Person from                                                                                            outside Singapore, except Cuba.
                                                           Holder or Valid Long-Term Social Visit
Singapore to a destination outside
                                                           Pass Holder or Valid Student Pass
Singapore and back, and shall                                                                                              Part 2 Eligibility
                                                           Holder on the Effective Date.
commence on the later of the following:
                                                           Single Trip Policy means a policy                               To be eligible for cover under this
(i) 12.00 a.m. on the Effective Date of
                                                           issued for the selected plan where the                          Policy:
    the Period of Insurance specified in
    the Certificate of Insurance;                          Insured Person(s) can only make a                               (i) the Insured Adult and/or his
                                                           single Journey to the selected region of                            Partner must be a Singapore
(ii) the time the Insured Person                           travel during the Period of Insurance.                              Resident and aged between of
     leaves his home or usual place of
                                                           Specially Designated List means                                     eighteen (18) years and eighty (80)
     employment in Singapore to
                                                           names of a person, entities, groups,                                years on the Effective Date.
     commence the trip;
                                                           corporate specified on a list who                               (ii) the Insured Child(ren), must be:
and shall terminate on the earlier of the                  are subject to as trade or economic
following:                                                                                                                       (a) a Singapore Resident; and
                                                           sanctions or other such similar laws
(iii) 11.59 p.m. on the expiry date of the                 or regulations of the United States of                                (b) at least forty-five (45) days of
      Period of Insurance specified in the                 America, Australia, United Nations,                                       age and eighteen(18) years
      Certificate of Insurance;                            European Union or United Kingdom.                                         (or twenty-three (23) years

           © 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
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My VoyageGuard Travel Insurance

         if studying full-time in a                          Coverage under Section 18 of Part                               Section 4 – Policy Extension
         recognized tertiary institution)                    7 – Travel Postponement, insurance                              1.     In the event that the Insured
         on the Effective Date; and                          is effective upon the issuance of the                                  Person, as a ticket holding
                                                             Certificate of Insurance and terminates
    (c) unmarried; and                                                                                                              passenger on a scheduled Public
                                                             upon postponement of the planned
                                                                                                                                    Conveyance, being prevented
    (d) unemployed; and                                      Journey.
                                                                                                                                    from completing the return leg
    (e) travelling on a Journey with                         For all other sections, insurance                                      of a Journey within the Period of
        an adult, or at least twelve (12)                    commences upon commencement of                                         Insurance, as a result of:
        years old if travelling alone.                       a Journey.
                                                                                                                                    (a) the Insured Person’s suffering
                                                             Section 3 – Limits Of Coverage                                             from a Bodily Injury or
Part 3 Scope And Limits Of
        Cover And Benefits                                   1.    Any cover under this Policy in                                       Sickness, which is determined
                                                                   respect of an Insured Person shall                                   to be unfit for travel by a
Section 1 – Choice Of Plans                                        terminate on the earliest of the                                     Physician designated by Chubb
The scope of coverage and benefits                                 following events:                                                    Assistance at the Physician’s
under this Policy will vary as follows:                            (i)	Upon the expiry of any Period
                                                                                                                                        absolute discretion; or
                                                                        of Insurance during which
GEOGRAPHICAL COVER
                                                                        the Insured Person ceases to                                (b) the Insured Person being
(i) if “South East Asia” cover has been                                 satisfy any of the eligibility                                  Confined in a Hospital Overseas
    chosen, only Journeys to and from                                   requirements set out herein; or                                 at the expiry of the Policy; or
    South East Asia will be covered
                                                                   (ii)	Upon the death of the Insured                              (c) the Insured Person being
    under this Policy;
                                                                         Person.                                                        quarantined as advised by a
(ii) if “Asia Pacific” cover has been                                                                                                   Physician.
                                                             2.    Termination of cover under this
     chosen, only Journeys to and from
                                                                   Policy in respect of an Insured                                  during the Insured Person Journey,
     Asia Pacific will be covered under
                                                                   Adult shall automatically terminate                              the cover for that Journey shall be
     this Policy;
                                                                   cover for all other Insured Persons.
                                                                                                                                    automatically extended for up to
(iii) if “Worldwide Excluding USA,
                                                             3.    Subject to Section 4 – Policy                                    thirty (30) days without additional
      Canada and Cuba” cover has been
      chosen, Journeys to and from all                             Extension, or as provided in an                                  premium.
      countries outside Singapore, except                          appropriate endorsement, the
                                                                                                                             2.     In the event that the Insured
      USA, Canada and Cuba will be                                 Insured Person(s) shall only be
                                                                   covered:                                                         Person, as a ticket holding
      covered under this Policy;
                                                                                                                                    passenger on a scheduled Public
(iv) if “Worldwide Excluding Cuba”                                 (i) if this Policy is an Annual                                  Conveyance, being prevented from
     cover has been chosen, Journeys                                   Policy: for the first ninety (90)                            completing the return leg of a
     to and from all countries outside                                 consecutive days of any Journey,
                                                                                                                                    Journey within the Period of
     Singapore, except Cuba will be                                    and the Company shall not
                                                                                                                                    Insurance, as a result of the
     covered under this Policy;                                        be liable in respect of any loss
                                                                                                                                    scheduled Public Conveyance
                                                                       occurring after 12.00 a.m. on the
BENEFITS                                                                                                                            in which the Insured Person is
                                                                       91st day after commencement of
(v) the monetary amounts and limits                                    any Journey; or                                              travelling being unavoidably delayed
    of Benefits will vary according to                                                                                              as a result of strike or industrial
                                                                   (ii) if this Policy is a Single Trip                             actions, adverse weather conditions,
    whether a “Essential”, “Standard”
                                                                        Policy: for the first one hundred
    or “Superior” plan has been chosen.                                                                                             natural disasters or mechanical
                                                                        and eight-three (183) consecutive
                                                                                                                                    breakdown/derangement of
Section 2 – Commencement Of                                             days of any Journey, and the
Coverage                                                                                                                            the Public Conveyance or due
                                                                        Company shall not be liable in
                                                                                                                                    to grounding of an aircraft as a
Coverage pertaining to cancellation of                                  respect of any loss occurring
                                                                                                                                    result of mechanical or structural
the Journey under Section 15, 22, 23                                    after 12.00 a.m. on the 184th
and 24 of Part 7, insurance is effective                                day after the commencement                                  defect during the Insured Person’s
upon the issuance of the Certificate of                                 of any Journey, or the expiry of                            Journey, the cover for that Journey
Insurance and terminates on                                             the Period of Insurance stated                              shall be automatically extended
commencement of the planned Journey                                     in the Certificate of Insurance,                            for up to fourteen (14) days without
from Singapore.                                                         whichever is earlier.                                       additional premium.

       © 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
       and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.                                                                                      9
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Part 4    General Exclusions                                      Deficiency Syndrome (‘AIDS’), and                         13. Any loss or expenses with respect
                                                                  AIDS Related Complications (‘ARC’),                           to Cuba or a Specially Designated
This Policy does not cover, and the
                                                                  or any opportunistic infections and/                          List or which if reimbursed or
Company will not in any event be
                                                                  or malignant neoplasm (tumor)                                 paid by the Company would result
liable to pay any Benefits or indemnify
                                                                  found in the presence of HIV, AIDS                            in the Company being in breach
the Insured Person in respect of, any
                                                                  or ARC.                                                       of trade or economic sanctions
loss which is, directly or indirectly,
                                                                                                                                or other such similar laws or
caused by, a consequence of, arises in                      7.    Any condition which is, results from
                                                                                                                                regulations.
connection with or is contributed to by                           or a complication of pregnancy,
any of the following:                                             childbirth, miscarriage (except                           14. The Insured Person not taking all
1.   Declared or undeclared war or any                            miscarriage due to Bodily Injury) or                          reasonable efforts to safeguard
     act of war, invasion, foreign enemy,                         abortion, intoxication by alcohol or                          his property or to avoid any injury
     civil war, rebellion, revolution,                            drugs not prescribed by a Physician.                          or minimize any claim under
     insurrection, military or usurped                                                                                          the policy.
                                                            8.    Illegal acts (or omissions) of the
     power.                                                       Insured Person or the Insured                             15. Any condition which is, results
2.   Loss, destruction or damage to                               Person’s executors, administrators,                           from or a complication of suicide
     any property whatsoever or any                               legal heirs or personal                                       or attempted suicide or intentional
     loss or expense whatsoever arising                           representatives, loss resulting                               self-injury.
     there from or any consequential                              directly or directly from action taken
                                                                                                                            16. Mental and nervous disorders,
     loss directly or indirectly caused or                        by the Government Authorities
                                                                                                                                including but not limited to
     contributed by or arising from                               including confiscation, seizure,
                                                                                                                                insanity.
     ionizing radiations or contamination                         destruction and restriction.
     by radio-activity from any nuclear                                                                                     17. The Insured Person engaging in
                                                            9.    The Insured Person engaging in
     fuel or from any nuclear waste from                                                                                        naval, military or air force service
                                                                  aviation, other than as a fare-
     the combustion of nuclear fuel.                                                                                            or operation or testing of any kind
                                                                  paying passenger in, boarding
                                                                                                                                of conveyance or being employed
3.   Any willful or intentional acts of                           and alighting from any fixed-
     the Insured Person whether sane                                                                                            as a manual worker or whilst
                                                                  wing aircraft and/or helicopter
     or insane (except in an attempt to                                                                                         engaging in offshore activities
                                                                  provided and operated by a
     save a human life), self-inflicted                                                                                         like diving, oil-rigging, mining or
                                                                  regularly scheduled airline or
     injury, suicide acts or agreements                                                                                         aerial photography or handling of
                                                                  private unscheduled air chartered
     or any attempt thereat, provoked                                                                                           explosive or loss of or damage to
                                                                  company which is duly licensed for
     homicide or assault.                                                                                                       hired or leased equipment.
                                                                  the regular transportation of fare-
4.   The Insured Person acting as a law                           paying passengers.                                        18. Any condition which results from
     enforcement officer, emergency                                                                                             or is a complication of venereal
                                                            10. Any loss or expenses which is,
     medical or fire service personnel,                                                                                         disease.
                                                                directly or indirectly, caused by,
     civil defense personnel or military
                                                                a consequence of, arises in                                 19. Any loss or expenses which
     personnel of any country or
                                                                connection with or is contributed to                            arises in connection with or is
     international authority, whether full-
                                                                by the Insured Person undertaking                               contributed by the Insured Person
     time service or as a volunteer, other
                                                                any Journey against the advice of                               undertaking any Journey against
     than for reservist training under the
                                                                a Physician or for the purpose of                               the travel advice of the Ministry of
     Section 14 of the Enlistment Act,
                                                                seeking medical attention.                                      Foreign Affairs of Singapore or the
     Chapter 93 of Singapore.
                                                                                                                                Ministry of Health of Singapore,
5.   The Insured Person engaging in,                        11. Any Pre-existing Conditions.
                                                                                                                                in relation to actual or threatened
     practicing for or taking part in                       12. Any prohibition or breach of                                    Riot, strike or Civil Commotion,
     training in any speed contest or                           government regulation or any                                    war or warlike situation,
     racing (other than on foot) and any                        failure by the Insured Person to                                outbreak of disease or unsafe
     professional competition or sports.                        take reasonable precautions to                                  health conditions, or impending
6.   Any condition, which is or results                         avoid a claim under this Policy                                 natural disasters, to the country
     from or is a complication of                               following the warning of any                                    or territory of Your destination,
     infection with Human Deficiency                            intended strike, Riot or Civil                                  unless the Journey had already
     Syndrome (‘HIV’), any variance                             Commotion through or by general                                 commenced prior to the issuance
     including Acquired Immune                                  mass media.                                                     of the travel advice.

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Part 5 Special Conditions                                    2.    Addition Of Insured Person                                       Insurance or an expansion of the
                                                                   No person shall be covered by                                    geographical coverage from
Section 1 – Conditions Applicable To                                                                                                “South East Asia” to “Asia Pacific”,
                                                                   this Policy unless such person is
Annual Policies Only                                                                                                                “Worldwide Excluding USA, Canada
                                                                   specifically named as an Insured
1.   Cancellation                                                  Person and evidenced by a written                                and Cuba” or “Worldwide Excluding
     The Company may cancel this                                   endorsement to this Policy.                                      Cuba”, by notifying the Company of
     Policy at any time by giving seven                            Additional premium will be charged                               the desired change and paying the
                                                                   on a pro-rata basis for each additional                          appropriate additional premium.
     (7) days’ notice delivered to the
     Insured Person or mailed to his                               Insured Person included under this
                                                                   Policy after the commencement of                          Part 6 General Conditions
     last address as shown by the
     records of the Company stating                                the Period of Insurance or at the time                    1.     Payment Before Cover Warranty
     when thereafter such cancellation                             of renewal of this Policy.
                                                                                                                                    (a) It is hereby agreed and
     shall be effective. In the event of                     3.    Automatic Renewal                                                    declared that the total premium
     such cancellation, the Company                                Subject to the terms and conditions                                  due must be paid and actually
     will return promptly the pro-rata                             of this Policy, this Policy will be                                  received in full by the Company
     unearned portion of any premium                               automatically renewed upon                                           (or the intermediary through
     actually paid by the Insured Person.                          actual receipt of full premium by                                    whom this Policy was effected)
     Such cancellation shall be without                            the Company before the Period                                        on or before the Effective Date
     prejudice to any claim originating                            of Insurance. The payment of the                                     of the coverage under the
     prior thereto.                                                full premium before expiry of each                                   Policy or the Renewal Date.
                                                                   Period of Insurance thereafter will                              (b) In the event that the total
     The Insured Person may cancel
                                                                   result in this Policy being renewed.                                 premium due is not paid and
     this Policy at any time by giving
                                                                   A renewal certificate will be issued                                 actually received in full by the
     notice to the Company provided no
                                                                   and shall be the evidence of valid                                   Company (or the intermediary
     claim has arisen during the current
                                                                   cover, unless otherwise notified.                                    through whom this Policy
     Period of Insurance. In the event
                                                                   The Company reserves the right                                       was effected) on or before the
     of such cancellation, the Company                             to amend the premium, terms and                                      Effective Date or the Renewal
     will promptly return any portion                              conditions of this Policy by giving                                  Date, no benefits whatsoever
     of the premium paid that has not                              forty-five (45) days’ written notice                                 shall be payable by the
     been deemed to be earned by the                               of any change(s) to the Insured                                      Company.
     Company. The premium deemed                                   Person’s address on file.
     to be earned shall be, computed                                                                                                (c) For Policy where payment is
                                                                   This Policy shall be cancelled                                       to be made by credit card or
     in accordance with the applicable
                                                                   automatically and without any                                        bank GIRO, the submission of a
     percentage indicated below.
                                                                   written notice from the Company                                      complete and properly signed
                                 Percentage                        if the full premium is not received                                  Direct Debit Authorisation form
                                 Of Annual                         by the Company before the expiry                                     (or such other forms as may be
                                 Premium                           of the Period of Insurance. The                                      required by the card centre,
      2 Months                   40%                               cancellation shall take effect                                       bank or the Company) to the
      (Minimum)                                                    upon the expiry of the Period of                                     Company on or before the
                                                                   Insurance.                                                           Effective Date shall be deemed
      3 Months                   50%
                                                             Section 2 – Conditions Applicable To                                       to be payment received by the
      4 Months                   60%                         Single Trip Policies Only                                                  Company, subject to clause
                                                                                                                                        1(d).
      5 Months                   70%                         1.    Premium
                                                                   The Company will not refund the                                  (d) In the event of any rejection
      6 Months                   75%
                                                                   premium once the Certificate of                                      by the card centre or the
      Over 6 Months              100%                              Insurance is issued.                                                 bank of the Direct Debit
                                                                                                                                        Authorisation form (or any
     Such cancellation shall be without                      2.    Extension And Expansion Of                                           such form referred to in clause
     prejudice to any event giving                                 Coverage                                                             1(c)), or any inability by the
     rise to a claim under this Policy                             An Insured Person may at any                                         Company to obtain payment
     prior to the effective date of such                           time during a Journey, obtain                                        of the premium by credit card
     cancellation.                                                 an extension of the Period of                                        or GIRO deduction due to any

       © 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
       and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.                                                                                     11
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         reason, the Company shall                          4. Legal Action                                                       Failure to notify the Company
         allow a second attempt for the                           No action shall be brought to                                   within the time limit prescribed
         charge and deduction of the                              recover on this Policy prior to                                 shall not invalidate the claim if it
         outstanding premiums from the                            the expiration of sixty (60) days                               can be shown, to the Company’s
         relevant card centre or bank.                            after written proof of claim has                                satisfaction, that it was not
         Should the second attempt fail                           been filed in accordance with the                               reasonably possible to give such
         for any reason, the Policy shall                         provisions of this Policy.                                      proof within the prescribed time
         be deemed to be cancelled                                                                                                limit for an otherwise legitimate
                                                            5.    Misrepresentation
         immediately effective from                                                                                               claim.
                                                                  This Policy shall be voidable in the
         the day of the month when
                                                                  event of any misrepresentation,                           8. Payment Of Claims
         premium was due and unpaid
                                                                  misdescription, non-disclosure or                               Any Benefits payable under this
         and no benefit shall be payable
                                                                  concealment of any circumstances                                Policy shall be paid to the Insured
         by the Company. The Company
                                                                  by the Insured Persons which is
         will inform the Insured Adult                                                                                            Person or to the Insured Person’s
                                                                  material to this Policy.
         of the cancellation by sending a                                                                                         estate in the event of the Insured
         notice in writing to the Insured                   6. Fraud                                                              Person’s death, except under Part
         Adult’s address on file. Any                             If any claim under this Policy shall                            7, Section 11 – Chubb Assistance
         payment received thereafter                              be, in any respect, fraudulent or if                            – Emergency Medical Evacuation
         shall be of no effect whatsoever                         any fraudulent means or devices                                 and Repatriation and Section 12 –
         on the cancellation of the                               shall be used by any person to                                  Chubb Assistance – Repatriation
         Policy.                                                  obtain a Benefit under this Policy,                             of Mortal Remains. Any receipt by
                                                                  the Company shall have no liability                             the Insured Person of any Benefit
2.   Entire Contract, Changes                                     in respect of such claim and the                                payable under this Policy shall
     This Policy, the Certificate of                              Company shall be entitled to                                    in all cases be deemed final and
     Insurance and any amendments                                 terminate this Policy with immediate                            complete discharge of all liability
     or endorsements shall constitute                             effect.                                                         of the Company in respect of such
     the entire contract of insurance.                                                                                            Benefit.
                                                            7.    Claims Procedure
     No change to the terms and
     conditions of this Policy shall be                           On the happening of any                                   9.    Premium Payment
     valid unless approved in writing by                          occurrence likely to give rise to a                             The premium as stated in the
     an authorized representative of the                          claim under this Policy, written                                Certificate of Insurance will be
     Company and such approval shall                              notice shall be given to the                                    charged to the Nominated Account
     be endorsed hereon or attached                               Company’s Claims Department
                                                                                                                                  when due.
     hereto. No broker or agent has the                           at 138 Market Street #11-01
                                                                  CapitaGreen Singapore 048946,                             10. Termination For Non-Payment
     authority to amend or to waive any
                                                                  as soon as possible and, in any                               Of Premium
     of the terms and conditions of this
                                                                  event, within thirty (30) days after                            This Policy shall deem to have been
     Policy.
                                                                  the date of the occurrence. The                                 void from the intended Effective
3.   Conditions Precedent To                                      Company will provide the Insured
                                                                                                                                  Date if the premium is not paid.
     Liability                                                    Person with forms for filing proof of
                                                                  claim.                                                    11. Right Of Recovery
     The liability of the Company for
     any Benefit under this Policy is                             Any documents or evidence                                       In the event authorization of
     conditional upon:                                            required by the Company to verify                               payment and/or payment is made
                                                                  the claim shall be provided by the                              by the Company or Chubb
     (a) the truth of the statements and                          Insured Person at his own expense.                              Assistance or an authorized
         information as provided to                               Any medical examination required                                representative of Chubb Assistance
         the Company by the Insured                               by the Company to verify the claim                              for a medical claim whereby
         Persons; and                                             will be at the Company’s expense.                               policy liability is not engaged, the
     (b) the due observance and                                   The Company shall, in the event                                 Company or Chubb Assistance or an
         fulfillment of the terms and                             of the death of an Insured Person,                              authorized representative of Chubb
         conditions of this Policy insofar                        be entitled to have a post-mortem                               Assistance reserves the right to
         as they relate to anything to be                         examination performed at the                                    recover against the Insured Person
         done or complied with by the                             Company’s expense where it is not                               the full sum which the Company or
         Insured Persons.                                         prohibited by law.                                              Chubb Assistance or an authorized

            © 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
12          and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.
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   representative of Chubb Assistance                             A person who is not a party to this                       21. Clerical Error
   is liable to the Hospital into which                           Policy contract shall have no right                              A clerical error by the Company
   the Insured Person was admitted.                               under the Contracts (Rights of                                   shall not invalidate insurance
12. No Multiple Policies                                          Third Parties) Act 2001 to enforce                               otherwise validly in force, nor
                                                                  any of its terms.                                                continue insurance otherwise not
   The Insured Person can only be
                                                                                                                                   validly in force.
   covered under one (1) travel                             17. Arbitration
   insurance policy underwritten by the                           If any dispute or disagreement                            22. Gender
   Company for the same Journey. If                               arises regarding any matter                                      A masculine personal pronoun as
   the Insured Person is covered under                            pertaining to or concerning this                                 used herein includes the feminine,
   more than one (1) such policy, the                             Policy, the dispute or disagreement                              wherever the context requires.
   Company will consider the Insured
                                                                  must be referred to arbitration in                        23. Policy Owners’ Protection
   Person to be covered under the
                                                                  accordance with the provisions                                Scheme
   policy with the highest benefits.
                                                                  of the Arbitration Act (Cap. 10)                                 This Policy is protected under
13. Compliance With Policy                                        and any statutory modification                                   the Policy Owners’ Protection
    Provisions                                                    or re-enactment thereof then in                                  Scheme which is administered by
   Failure to comply with any of                                  force, such arbitration to be                                    the Singapore Deposit Insurance
   the provisions contained in this                               commenced within three (3) months                                Corporation (SDIC). Coverage
   Policy shall invalidate all claims                             from the day such parties are unable                             for the Insured Person’s Policy is
   hereunder.                                                     to settle the dispute or difference. If                          automatic and no further action is
                                                                  the Insured Person fail to commence                              required from the Insured Person.
14. Other Insurances
                                                                  arbitration in accordance with this                              For more information on the types
   Except as otherwise provided in                                                                                                 of benefits that are covered under
                                                                  clause, it is agreed that any cause of
   this Policy, if the Insured Person                                                                                              the scheme as well as the limits of
                                                                  action and any right to make a claim
   has or should have any other                                                                                                    coverage, where applicable, please
                                                                  that the Insured Person have or may
   insurance providing cover for the                                                                                               contact the Company or visit the
                                                                  have against the Company shall be
   same loss, damage or liability, the                                                                                             GIA / LIA or SDIC websites
                                                                  extinguished completely. Where
   Company shall only be liable to                                                                                                 (www.gia.org.sg or www.lia.org.sg
   pay the balance of any amount not                              there is a dispute or disagreement,
                                                                                                                                   or www.sdic.org.sg).
   covered by any other insurance.                                the issuance of a valid arbitration
                                                                  award shall also be a condition                           24. Personal Data Protection Consent
15. Subrogation                                                   precedent to the Company’s liability                             The Insured Person is deemed to
   In the event of any payment made                               under this Policy. In no case shall                              give consent and authorisation
   by the Company under one or more                               the Insured Person seek to recover                               to the Company to collect, use,
   sections of this Policy, the Company                           on this Policy before the expiration                             disclose, and/or process his/her
   will be subrogated to all the Insured                          of sixty (60) days after written proof                           personal data or information
   Person’s rights of recovery against                            of claim has been submitted to the                               supplied to the Company without
   any person or organization. The                                Company in accordance with the                                   further notification to the Insured
   Insured Person shall provide the                                                                                                Person, confidentially with the
                                                                  provisions of this Policy.
   Company with reasonable                                                                                                         Company’s affiliated companies,
   assistance including but not limited                     18. Governing Law                                                      third party service providers,
   to, executing and delivering any                               This Policy shall be governed by                                 business partners and/or other
   instruments and/or documents. The                              and interpreted in accordance with                               parties which may be sited outside
   Insured Person shall take no actions                           Singapore law.                                                   of Singapore, for administering
   which may prejudice the Company’s                                                                                               policies taken out with the Company,
   subrogation rights.                                      19. Interest                                                           customer services and to allow
                                                                  No amounts payable by the                                        the Company and/or its business
16. Notice Of Trust Or Assignment                                                                                                  partners to perform marketing and
                                                                  Company under this Policy shall
    And Third Party Rights                                                                                                         related activities, until the Company
                                                                  carry interest.
   The Company shall not be bound                                                                                                  receives the Insured Person’s
   or be affected by any notice of any                      20. Currency                                                           written instruction to the contrary.
   trust, charge, lien, assignment or                             Premiums and benefits payable                                    Upon the Insured Person’s written
   other dealing with or in relation to                           under this Policy shall be in                                    request, the Company shall,
   this Policy.                                                   Singapore dollars.                                               without charge, cease to use

      © 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
      and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.                                                                                     13
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     the Insured Person’s personal                          Section 1 – Accidental Death And                                The occurrence of any specific loss
     information for purposes other                         Permanent Disablement                                           for which indemnity is payable under
     than those directly related to this                                                                                    this Section shall at once terminate all
     Policy. A copy of the Company’s                        Plan              Sum Assured                                   insurance under the Policy, but such
     Personal Data Protection Policy can                    Superior          S$500,000 per Adult                           termination shall be without prejudice
     be found at www.chubb.com/sg-                                            S$250,000 per Adult                           to any other claim originating from the
     privacy and the Insured Person is                                        (70 years old and above)                      Accident causing such loss.
     deemed to have read the same.                                            S$125,000 per Child                           No indemnity will be paid under any
     The Insured Person will write to                       Standard          S$250,000 per Adult                           circumstances for more than one of the
     the Company’s Data Protection                                                                                          losses, the greatest for which provision
                                                                              S$125,000 per Adult
     Officer at 138 Market Street #11-01                                      (70 years old and above)                      is made in this Section.
     CapitaGreen Singapore 048946                                                                                           No payment will be made for any loss
                                                                              S$62,500 per Child
     for any request to withdraw his/                                                                                       caused by or resulting from Sickness.
                                                            Essential         S$125,000 per Adult
     her consent, access to and/or
     correction of any information                                            S$62,500 per Adult                            Section 2 – Double Public Transport
     supplied to the Company and the                                          (70 years old and above)                      Cover
     Company may reserve the right to                                         S$31,250 per Child                            If, during the Period of Insurance,
     charge a reasonable fee to offset the                                                                                  whilst the Insured Person is on a
     administrative costs in complying                      If, during the Period of Insurance,
                                                                                                                            Journey, the Insured Person sustains
     with access requests.                                  whilst the Insured Person is on a                               Bodily Injury under Section 1 –
                                                            Journey, the Insured Person sustains                            Accidental Death and Permanent
25. Modification                                            Bodily Injury which results in death                            Disablement whilst riding as a fare
     The Company reserves the right to                      and/or Permanent Disablement within                             paying passenger in a Public Conveyance,
     modify the terms and conditions                        one hundred and eighty (180) days                               the Company will double the benefit
     of this Policy within the Period of                    after the date of the Accident, the                             amount payable under Section 1.
     Insurance by giving the Insured                        Company will pay up to the relevant
     prior notice of at least thirty (30)                   Benefit amount specified in the Table                           Section 3 – Overseas Medical And
     days, and such modification shall                      of Benefits read with the Certificate                           Accidental Dental Expenses
     be applicable from the effective                       of Insurance subject to the terms and
     date as stated in the Company’s                                                                                         Plan             Sum Assured
                                                            conditions of this Policy.
     written notice to the Insured                                                                                           Superior         S$2,000,000 per Adult
     Person’s address on file.                              Table Of Benefits                                                                 S$500,000 per Adult
                                                             Loss Events                        Compensation                                  (70 years old and above)
     No modification of this Policy shall
                                                                                                Payable % of
     be valid unless approved in writing                                                                                                      S$250,000 per Child
                                                                                                Capital sum
     by the authorised representative of                                                        stated in the                Standard         S$1,000,000 per Adult
     the Company, and such approval                                                             Certificate of                                S$250,000 per Adult
     shall be evidenced by way of an                                                            Insurance                                     (70 years old and above)
     endorsement to this Policy issued                       Accidental Death                   100%
                                                                                                                                              S$125,000 per Child
     by the Company. No broker or                            Permanent Total                    100%
                                                                                                                             Essential        S$500,000 per Adult
     agent has the authority to modify                       Disablement
     or to waive any of the terms and                        Total and Permanent                100%                                          S$125,000 per Adult
     conditions of this Policy.                                                                                                               (70 years old and above)
                                                             Loss of Speech
                                                             and Hearing                                                                      S$62,500 per Child
Part 7 Benefits                                              Loss of Sight in                   100%                        If, during the Period of Insurance,
                                                             both eyes                                                      whilst the Insured Person is on a
The benefits payable under the respective
                                                             Loss of two Limbs                  100%                        Journey, the Insured Person incurs
Sections in this Part 7 as mentioned
                                                             Loss of one Limb                   50%                         Medical Expenses as a direct result of
below are mutually exclusive:
                                                             Loss of Sight in one eye           50%                         Bodily Injury or Sickness, or Dental
(i) Sections 1 and 2                                         Total and Permanent                50%                         Expenses as a direct result of Bodily
                                                             Loss of Speech                                                 Injury, the Company will indemnify
(ii) Sections 15, 18 and 23
                                                                                                                            the Insured Person in respect of such
                                                             Total and Permanent
(iii) Sections 17 and 20                                                                                                    expenses up to the relevant Benefit
                                                             Loss of Hearing in
                                                                                                                            amount specified in the Certificate of
(iv) Sections 19 and 21                                      i) both ears                       50%                         Insurance subject to the terms and
(v) Sections 25, 26, 36A and 37A                             ii) one ear                        15%                         conditions of this Policy.

            © 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
14          and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.
My VoyageGuard Travel Insurance

ADDITIONAL CONDITIONS                                        Company will indemnify the Insured                              Section 5 – Overseas Hospital
(a) Where an Insured Person has been                         Person in respect of such expenses up                           Confinement Benefit
    treated by a Chinese Physician the                       to the relevant Benefit amount specified                        If, during the Period of Insurance,
    liability of the Company in respect                      in the Certificate of Insurance subject to                      whilst the Insured Person is on a
    of Medical Expenses incurred shall                       the terms and conditions of this Policy.                        Journey, the Insured Person is
    not exceed Singapore Dollars three                       ADDITIONAL CONDITIONS                                           necessarily Confined in a Hospital
    hundred (S$300.00).                                                                                                      Overseas as a result of Bodily Injury
                                                             For the avoidance of doubt, in the event                        or Sickness, the Company will pay the
(b) For the avoidance of doubt, in                           the Insured Person becomes entitled to                          Insured Person the relevant Benefit
    the event the Insured Person                             a refund of or reimbursement of all or                          amount as specified in the Certificate
    becomes entitled to a refund of                          part of such expenses from any other                            of Insurance subject to the terms and
    or reimbursement of all or part                          source, or if there is in place any other                       conditions of this Policy.
    of such expenses from any other                          insurance against the events covered
    source, or if there is in place any                      under this section, the Company will                            The daily benefit amount shall be
    other insurance against the events                       only be liable to pay the balance of                            paid for each complete day (24 hours)
    covered under this section, the                                                                                          of Confinement from the first day of
                                                             any amount not covered by any other
    Company will only be liable to pay                                                                                       Confinement and up to a maximum of
                                                             insurance.
    the balance of any amount not                                                                                            the relevant Benefit amount specified
    covered by any other insurance.                          ADDITIONAL EXCLUSIONS                                           in the Certificate of Insurance, and for
                                                             In addition to the General Exclusions,                          this purpose, every day of Confinement
ADDITIONAL EXCLUSIONS                                                                                                        as a result of the same event (Bodily
                                                             this Policy does not cover, and the
In addition to the General Exclusions,                                                                                       Injury or Sickness) shall be counted
                                                             Company will not in any event be
this Policy does not cover, and the                                                                                          towards the total number of days of
                                                             liable in respect of any claim under this
Company will not in any event be                                                                                             Confinement, notwithstanding that
                                                             Overseas Medical Expenses (Women’s
liable in respect of any claim under this                                                                                    such days do not run consecutively.
                                                             Benefit) section which is directly or
Overseas Medical and Accidental Dental                                                                                       Provided further that this Benefit
                                                             indirectly, caused by, a consequence
Expenses section which is directly or                                                                                        shall be payable only if the following
                                                             of, arising from, in connection with or
indirectly, caused by, a consequence                                                                                         conditions are met:
                                                             contributed by any of the following:
of, arising from, in connection with or
                                                                                                                             (i) Confinement must occur within
contributed by any of the following:                         1.    Any expenses relating to any
                                                                                                                                 thirty (30) days after sustaining
                                                                   treatment for pregnancy-related
1.   Any expenses relating to any                                                                                                Bodily Injury or Sickness.
                                                                   Sickness where such treatment
     treatment for Bodily Injury or
                                                                   was obtained in Singapore or the                          (ii) Confinement must be considered
     Sickness where such treatment
                                                                   Insured Person’s Home Country;                                 medically necessary by a Physician
     was first sought more than sixty
                                                                                                                                  in his professional capacity.
     (60) days from the time the                             2.    Any expenses incurred due to
     Bodily Injury or Sickness was first                           events occurring during the first                         ADDITIONAL EXCLUSIONS
     sustained.                                                    trimester of pregnancy (i.e. 0-12                         In addition to the General Exclusions,
2.   Any expenses incurred for                                     weeks);                                                   this Policy does not cover, and the
     prostheses, contact lenses,                                                                                             Company will not in any event be
                                                             3.    ectopic pregnancy, childbirth,
     spectacles, hearing aids, dentures                                                                                      liable in respect of any claim under this
                                                                   including premature childbirth or
     or medical equipment unless                                                                                             Overseas Hospital Confinement Benefit
                                                                   stillbirth;                                               section which is directly or indirectly,
     prescribed by a Physician for
                                                             4.    abortion or miscarriage, except if                        caused by, a consequence of, arising
     the treatment of Bodily Injury or
                                                                   related to Bodily Injury and not                          from, in connection with or contributed
     Sickness.
                                                                   attributed to any natural causes                          by any of the following:
3.   Any expenses relating to any                                  and/or sickness relating to                               1.     Any expenses relating to any
     treatment not prescribed by a                                 pregnancy or childbirth;                                         treatment or aid obtained in
     Physician.
                                                             5.    tests or treatment relating to                                   Singapore.
Section 4 – Overseas Medical                                       fertility, contraception, sterilisation,                  2.     Any expenses relating to
Expenses (Women’s Benefit)                                         birth defects or congenital illnesses;                           Confinement for any surgery or
If, during the Period of Insurance,                                                                                                 medical treatment, which in the
                                                             6.    any depressive, psychological or
whilst the Insured Person is on a Return                                                                                            opinion of a Physician, could
                                                                   psychiatric illness, including post-
Journey, the Insured Person incurs                                                                                                  reasonably have been delayed until
                                                                   natal depression; and
Medical Expenses as a direct result                                                                                                 the return of the Insured Person to
of pregnancy-related Sickness, the                           7.    Pre-existing Medical Conditions.                                 Singapore.

       © 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
       and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018.                                                                                    15
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