MY VOYAGEGUARD TRAVEL INSURANCE - POLICY WORDING
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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. 3My 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
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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. 5My 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.
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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:
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(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
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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.
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and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018. 9My VoyageGuard Travel Insurance
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
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and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018. 11My VoyageGuard Travel Insurance
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
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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
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and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018. 13My VoyageGuard Travel Insurance
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.
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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.
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and Chubb. Insured.TM are protected trademarks of Chubb. Published 06/2018. 15You can also read
