YOUR DIRECTASIA TRAVEL INSURANCE POLICY DETAILS
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Your DirectAsia
Travel Insurance Policy Details
Thank you for choosing
DirectAsia travel insurance.
We have made this policy simple and straightforward
so that you can understand what we cover
and what we do not cover.
Direct Asia Insurance (Singapore) Pte Ltd
(Company Reg. No. 200822611G)
www.DirectAsia.com
20 Anson Road #08-01 Twenty Anson
Singapore 079912
SGTravelVers6.3:6 Sep 2018contents
1 your DirectAsia travel insurance policy
2 when we cover you
3 your benefits
4 what we do not cover
5 accidents and claims
6 what you need to do
7 keeping your DirectAsia travel insurance up to
date
8 customer care
9 questions and feedback
10 definitions
2
SGTravelVers6.3:6 Sep 20181 > your DirectAsia Singapore time on the last day of the period of
cover.
travel insurance policy Please read carefully your certificate of insurance
and these policy details to make sure all the
Your DirectAsia travel insurance policy tells you
information in your policy is complete and
what you need to know about your travel
correct.
insurance.
If you need to change anything, please contact us
We explain your DirectAsia travel insurance, what
immediately.
happens if you have to make a claim and what
you need to do when you insure with DirectAsia. The exceptions, exclusions, sums insured, limits
and payment requirements referred to in these
At any time, if you encounter any difficulty or
policy details apply to all sections of your policy.
have any questions about your cover or your
policy, you can visit us at www.DirectAsia.com, To the extent permitted by law, you will receive
email us at CustomerService@DirectAsia.com or your policy electronically. There may be some
call us on 6532 2888. documents that we cannot deliver electronically
due to legal and technological constraints. These
important notice will be posted to you.
We are required by law to tell you that We will send you your policy documents
before we provide cover, you must fully electronically when you purchase a single trip
and faithfully tell us everything you policy. You can also either go online via
know or could reasonably be expected www.DirectAsia.com to view your policy
to know that is relevant to our decision documents under “My Account”, call us at 6532
2888 or email us at
to give you the insurance, otherwise
CustomerService@DirectAsia.com to request for
you may receive no benefit from your a copy.
policy.
Your policy uses words that have definite
meanings. To make sure that you are aware of
your policy these words and their meanings, please read the
list of definitions set out in section 10.
Your DirectAsia travel insurance policy is a
contract between you and us and is made up of
the information and any declarations submitted your duty to tell us
by you to us, the terms and conditions of use set
out in or on our DirectAsia.com website, your The insurance cover under your policy is based on
certificate of insurance and these policy details the information you have given to us.
and any other written change to these documents
When we agree to insure you, to renew or vary
that is advised by us in writing (such as an
your policy, or to pay your claim, our decision
amendment). Together, we will call these
relies on the accuracy of the information you give
documents your DirectAsia travel insurance
us.
policy or your policy.
If that information is not accurate, we can reduce
Your policy is proof of the contract between you
or deny any claim you make. We can also cancel
and us. It is based on the information given by
your policy and treat it as if it had never existed.
you or for you when you applied for this
insurance. To avoid any cancellation of your policy or non-
payment of your claim, you must answer
This information is shown on your certificate of
honestly, correctly and completely the questions
insurance. We will take it that you promise, as far
we ask about:
as you know, that the information you have given
us is true. o you;
You will not be covered for anything that is not o any other people who are or are to be insured
described on your certificate of insurance. under your policy;
Subject to payment of your premium, your policy o the insurance history of you and any other
will become effective on the date and time people who are or are to be insured under
specified in your certificate of insurance and your policy; and
continues for the period of cover specified in your
certificate of insurance, ending at 23:59 standard
SGTravelVers6.3:6 Sep 2018o any events involving you or any other person at renewal – for annual travel
insured under your policy that result in a
policies
claim on your DirectAsia travel insurance
policy. In order to offer you continued cover on your
annual DirectAsia travel insurance policy, we may
You must comply with:
renew your annual policy automatically at the
o all of the terms and conditions in your premium and on the terms determined by us. You
DirectAsia travel insurance policy; should be aware that we can only consider
automatic renewal when:
o any amendment to your DirectAsia travel
insurance policy; and o you have made us aware of and we have
accepted any changes to your policy details
o all of the terms and conditions set out on or (including those of all insured persons);
in our DirectAsia.com website and which are
and shall be deemed to be incorporated by o the credit card details given to us by you
reference in these policy details. have not changed; and
o there are no outstanding payments or other
eligibility breaches of your policy.
Unless we agree in writing, each person who is to Unless we hear to the contrary, we are entitled to
be insured under this DirectAsia travel insurance assume that the details provided by you to us
policy must meet all of the following eligibility (including those of all insured persons) have not
requirements from the start date of your policy: changed and that you have the consent of the
credit card holder. We may then automatically
o be named as an insured person in your debit the credit card we have on file with the
certificate of insurance; renewal premium.
o you and your spouse must both be between You may opt out of automatic renewal at any time
18 and 70 years of age (both inclusive) for a by emailing us at least 30 days before the expiry
new policy and between 19 and 75 years of of your policy.
age (both inclusive) for renewal of such a
policy;
PPF Statement
o for an insured child of yours, he or she must
be between 15 days and less than 18 years Your DirectAsia travel insurance policy is
of age. If your child is unmarried and in full- protected under the Policy Owners' Protection
time tertiary education, that child may be Scheme which is administered by the Singapore
aged up to 24 years of age; Deposit Insurance Corporation (SDIC). Coverage
for your policy is automatic and no further action
o be a resident of Singapore; is required from you. For more information on the
o the policy must be purchased before the trip types of benefits that are covered under the
commences; scheme as well as the limits of coverage, where
applicable, please contact us or visit the GIA / LIA
o the trip must commence from Singapore and or SDIC websites (www.gia.org.sg or
end in Singapore; and www.lia.org.sg or www.sdic.org.sg).
o be insurable in accordance with our terms
and conditions. who we are
Please note that an insured person who DirectAsia travel insurance in Singapore is issued
is a child must travel with at least one by Direct Asia Insurance (Singapore) Pte Ltd
adult insured person for that child’s (Reg. No: 200822611G) of 20 Anson Road #08-
cover to be valid. This requirement 01 Twenty Anson Singapore 079912.
applies to both annual travel policies
and single trip policies under family
plan.
Our family plan covers you, your
spouse and children together under an 2 > when we cover you
annual or single trip policy. You can Your DirectAsia travel policy covers an insured
include up to 4 children. person in covered countries and during that
4
SGTravelVers6.3:6 Sep 2018insured person’s period of insurance as shown on days (for single trip policies). The cover for
your certificate of insurance. Your cover is subject annual travel policies will reactivate upon your or
to the terms and conditions contained in these that insured person’s next trip outside Singapore.
policy details.
automatic extension of policy cover
Under your policy, a trip is deemed to commence
when the insured person leaves his residence or If at any time during the trip the insured person
place of business in Singapore (whichever is the is hospitalised and/or quarantined outside
later) for a direct journey to commence his trip
Singapore as directed by a doctor, then your
and ends:
cover will be extended by an additional 30 days
o upon his arrival at his residence or place of even if this goes past the original period of
business in Singapore (whichever is the insurance or past the 90 or 182 day limits
earlier); or referred to above.
o two hours after the insured person’s arrival We will also automatically extend your cover if
in Singapore, the public transport in which you are travelling is
delayed through no act or omission of yours, with
whichever is the earlier. the result that your trip is not completed when
Coverage for trips outside Singapore is subject to your original period of insurance expires.
the time limit(s) described on your certificate of This extension is for a maximum of 14 days or
insurance. when you arrive back in Singapore, whichever is
If you or an insured person is on a trip outside the earlier.
Singapore for a period in excess of 182
consecutive days (for a single trip DirectAsia
travel policy) or 90 consecutive days per trip (for 3 > your benefits
an annual DirectAsia travel policy), then your
policy will not cover you for the period of time you your available DirectAsia travel
or that insured person is outside Singapore in insurance benefits
excess of 90 consecutive days (for annual
A summary of your available benefits is set out in
policies) or in excess of 182 consecutive
the table below:
Aggregate Maximum Limits Payable
TR100 TR200 TR500
Core Benefits
Accidental Death / Total & Permanent Per Adult 70 years old or S$100,000 S$300,000 S$500,000
Disablement younger
(Lump Sum) Per Child or per Adult 71 S$50,000 S$150,000 S$250,000
years and older
Medical Expenses Per Adult 70 years old or S$100,000 S$200,000 S$500,000
younger
Per Child or per Adult 71 S$50,000 S$100,000 S$250,000
years or older
- TCM S$300 S$300 S$300
Evacuation & Repatriation Per Adult 70 years old or S$500,000 S$500,000 S$500,000
younger
Per Child or per Adult 71 S$250,000 S$250,000 S$250,000
years or older
Loss of Personal Possessions Per insured person S$1,000 S$3,000 S$5,000
5
SGTravelVers6.3:6 Sep 2018- per article or set of articles for S$500 S$500 S$500
valuables /mobile phone or PDA
Delayed Baggage Per insured person S$1,000 S$1,000 S$1,000
Travel Cancellation, Trip Disruption and Per insured person S$3,000 S$10,000 S$15,000
Travel Cancellation due to Insolvency
- Travel Delay Per insured person S$1,000 S$1,000 S$1,000
Rental Car Excess Per insured person S$1,500 S$1,500 S$1,500
Personal Liability Per occurence S$200,000 S$400,000 S$1,000,000
Optional Benefits
Pet Hotel 01 Pet S$1,000 S$1,000 S$1,000
Important Note: The benefits described in this Your final policy cover depends on the type and
section 3 are subject to the maximum limits of level of DirectAsia travel insurance you choose
your insurance as detailed in these policy details and is subject to the things that we do not cover
(including the personal liability limits detailed as described in these policy details. We have the
below in these policy details) and on your right to ask you to provide us with a certification
certificate of insurance. of your condition and/or injury by a doctor of our
choosing. In this event, our chosen doctor’s
All amounts payable by us under the policy shall certification shall be final and binding on you.
not exceed in aggregate the total policy limits set
out in these policy details and/ or on your
certificate of insurance. The available DirectAsia travel insurance covers
Your certificate of insurance and these policy are:
details set out and describe the benefits available
to you and to all insured persons. accidental death and total and
permanent disablement
your policy benefits
If an insured person sustains injury in an accident
The benefits described in this section 3 are that occurs during a trip within the period of
payable only if the insured event affects an insurance, and the injury results in death or total
insured person while he is covered under your and permanent disability within 90 days of that
policy. accident, we will pay the sum insured specified on
your certificate of insurance.
Our maximum liability in respect of one or more
accidents during a period of insurance will not We will pay for the insured person only once
exceed the limits of the sum insured specified in under this cover up to 100% of the sum insured
these policy details and on your certificate of as shown in the table below and not for both
insurance. death and total and permanent disability.
All limits and amounts that may be payable by us
to you as shown in these policy details and on
your certificate of insurance are in Singapore
dollars and are inclusive of goods and services
tax.
6
SGTravelVers6.3:6 Sep 2018nature of claim maximum compensation
for death we will pay you a lump sum payment in the sum insured specified on your certificate of
insurance.
for permanent percentage of principal sum insured as described in your certificate of insurance
disablement as
specified below -
total and permanent 100%
disability
loss of two or more 100%
limbs
loss of one limb and 100%
total loss of sight in at
least one eye
injuries resulting in 100%
being permanently
bedridden
total loss of sight in both 100%
eyes
total loss of sight in one 60%
eye
Singapore for that injury or sickness
This benefit does not cover death or total and sustained outside Singapore; and
permanent disability caused by:
o expenses of a chinese medical practitioner
x food poisoning and/or drinks poisoning; necessarily incurred for medical treatment or
x illness, sickness, infirmity, psychiatric follow-up treatment of that injury or sickness
disorder including insanity, bacterial or viral by a chinese medical practitioner either
infections even if contracted by accident, outside Singapore or upon the insured
except for any infection that is a direct result person’s return to Singapore to continue with
of an accidental cut or wound; and/or treatment in Singapore for up to a maximum
of 60 days after that person’s return to
x any pre-existing medical condition. Singapore.
When medical treatment was sought outside
medical expenses Singapore, we will cover the insured person for
medical expenses in Singapore for a maximum of
If an insured person suffers injury or sickness
60 days from his return to Singapore for
during a trip, we will reimburse or pay up to the
continuation of that treatment in Singapore.
maximum limit for the following:
When medical treatment was not sought outside
o medical expenses necessarily incurred for
Singapore, provided the insured person seeks
medical treatment of that injury or sickness
treatment in Singapore within 48 hours of his
outside Singapore;
return, then the insured person will be covered
o medical expenses necessarily incurred for a for treatment in Singapore for a maximum of 60
pregnancy related sickness outside days from the date of his return to Singapore.
Singapore;
Reimbursement of expenses incurred for medical
o medical expenses necessarily incurred for treatment or follow-up treatment by a chinese
medical treatment or follow-up treatment in medical practitioner is limited to one consultation
SGTravelVers6.3:6 Sep 2018per day and up to a maximum of $300 per o how the evacuation will be carried out,
accident and/or event.
after considering relevant facts and
This benefit does not cover any medical or other circumstances, including the medical severity of
expenses: the insured person’s condition, which we or our
appointed assistance company is aware of at that
x due to events occurring during the first 12 time.
weeks of pregnancy;
If an emergency medical evacuation is required
x due to an ectopic pregnancy, childbirth and takes place, our appointed assistance
(including premature childbirth or stillbirth); company will pay for the insured person’s return
x due to or related to abortion or miscarriage, if his original ticket is not valid for this purpose.
except if caused by an accident and not The insured person will be flown by scheduled
attributable to any natural causes and/or airline on economy class or any other appropriate
sickness; means of transportation (which may include sea
x for tests or treatment relating to fertility, or land transportation) as determined by our
contraception, sterilization, birth defects or appointed assistance company.
congenital illness; We will at our option pay our appointed
x due to or for any depressive, psychological or assistance company directly for expenses
psychiatric illness or sickness including post authorised by us and incurred by our appointed
natal depression; assistance company pursuant to your policy, up
to the limit detailed on your certificate of
x that are refundable to you by any other insurance.
person or source; and/or
x due to or arising from any pre-existing repatriation of mortal remains or local
medical condition. burial
The maximum amount of medical expenses that If an insured person dies during a trip resulting
we will reimburse is detailed on your certificate of from an injury or sickness sustained during that
insurance. trip, our appointed assistance company will make
all necessary arrangements (including procedures
evacuation and repatriation to meet local requirements) to return the insured
person’s body or ashes to his home in Singapore
The maximum limits payable under your or another country of his next of kin’s choice.
emergency medical evacuation cover will be
As an alternative, and subject to local laws, upon
aggregated with your repatriation of mortal
specific request of the insured person’s next of
remains or local burial cover.
kin, and where possible, our appointed assistance
We will not pay you or an insured person any company will organise and pay for the cost of
more than the maximum limit payable for the local burial in the country in which the insured
aggregate of evacuation and repatriation cover person was visiting at the time of his death.
than is detailed on your certificate of insurance.
Our financial responsibility under this cover is
limited to the maximum limit detailed on your
emergency medical evacuation certificate of insurance.
If an insured person suffers injury or sickness If the insured person’s body or ashes were
during a trip and in our opinion or the opinion of repatriated to a country other than Singapore or
our appointed assistance company (or their were buried locally in the country in which the
authorised representative(s)) it is medically insured person was visiting at the time of his
appropriate to move that insured person to death, we will only pay expenses up to the
another location for medical treatment or return amount we would have incurred to return the
to Singapore, our appointed assistance company body or ashes to Singapore.
or their authorised representative(s) will arrange
for the evacuation of that person.
general conditions
We or our appointed assistance company will
o While our appointed assistance company
have the absolute right to decide on:
provides services on a worldwide basis, it will
o the evacuation location; and not be required to provide such services to
insured persons who are located in areas
8
SGTravelVers6.3:6 Sep 2018which represent war risks or political In such event, we will reimburse you only
conditions such as to make such services for those expenses incurred for services
impossible or reasonably impractical. which our appointed assistance company
would have provided under the same
o Neither we nor our appointed assistance circumstances;
company will be responsible for any failure to
provide services or for delays caused by x services provided by any party other than
strikes or conditions beyond our and/or its our appointed assistance company for
control (including flight conditions and where which no charge is usually made;
local or regulatory agencies prevent our
appointed assistance company from x medical treatment administered or
providing such services). provided by relatives, whether or not
qualified;
o You and all insured persons acknowledge and
accept that our appointed assistance x costs which would have been payable if the
company and the professionals and other event that led to our appointed assistance
persons to whom our appointed assistance company’s intervention had not occurred;
company has referred the insured person are x minor injury or sickness which, in the
responsible for their own acts as independent opinion of our appointed assistance
contractors and are not employees, agents or company’s doctor, can be adequately
servants of DirectAsia. treated locally and which does not prevent
We are not and will not be responsible for any the insured person from continuing the
act or failure to act by our appointed travel;
assistance company or these professionals x expenses incurred where, in the opinion of
and other persons (e.g. doctors, hospitals our appointed assistance company’s
etc). doctor, the insured person is physically
o If the services and benefits provided by our able to return to Singapore as a normal
appointed assistance company under these passenger and without medical escort;
repatriation of mortal remains or local burial x any event occurring or treatment received
cover and emergency medical evacuation when you are in Singapore; or
cover are covered entirely or partially by
another insurance policy or other health plan x the cost of burial in Singapore.
held by you or an insured person, we will only
be responsible for a rateable portion of the
loss of personal possessions
cost of such services and benefits.
Any amounts payable by us under this loss of
o If, when using these services, the insured
personal possessions cover for the personal
person has any unused portion of a travel
possessions detailed below (namely, baggage,
ticket, that ticket must be transferred and
personal effects, travel documents, personal
surrendered to us.
money and credit card cover) will be aggregated
o We are entitled at any time at our expense, and shall not exceed the maximum limit for this
to take over and conduct proceedings in your cover as detailed on your certificate of insurance.
name and/or the name(s) of the insured
You must take all reasonable care to safeguard
person(s) to obtain compensation or
your personal possessions while travelling.
payment from another party for any loss or
injury that gives rise to the rendering of the If you leave your personal possessions
services under these benefits. unsupervised in a public place we will not pay
your claim.
o We and our appointed assistance company
will not be liable for:
baggage
x services rendered (including evacuation or
repatriation) without the prior We will pay for an insured person’s loss of or
authorisation or intervention of our damage to those items of luggage, valuables and
appointed assistance company. We personal effects owned by that insured person
reserve the right to waive this exclusion if and while that insured person is on a trip being
you or your travelling companion(s) limited to:
cannot for reasons beyond your/their
control notify our appointed assistance o luggage bags (including clothing and
company during an emergency situation. personal effects which are stored in the
9
SGTravelVers6.3:6 Sep 2018luggage bags) owned by and either hand o one laptop computer and its standard
carried or checked in by the insured person; accessories owned by and carried by the
insured person; and
o valuables (including watches and jewellery)
owned by and worn or carried by the insured o one mobile phone or personal digital
person; assistant (pda) and its standard accessories
owned by and carried by the insured person.
o clothing and personal effects owned by and
that are on, worn or carried by the insured The amount we will pay will be the original price
person; paid for the owned item or pair or set of items
(less allowance calculated by us for wear, tear
and depreciation) or the limits set out below,
whichever is lower:
type of personal limits amount applicable
possession
1) Luggage policy limit for o with receipt and purchase date is within 1 year: no
bags any single depreciation
article or pair of
2) Clothing articles or set of o with receipt and purchase date is within 2 years:
and articles 50% depreciation
personal
effects o with receipt and purchase date is more than 2 years:
75% depreciation
3) laptop
o without receipt: a payment of up to $50 per article or
pair or set of articles up to a maximum of 5 articles or 5
pairs of articles or 5 sets of articles
valuables $500 for any o with receipt: no depreciation
single article,
pair or set of o without receipt: no payment
articles
mobile phone or $500 o with receipt and purchase date is within 1 year: subject
pda to the limit, we will pay the higher of the purchase price
or the trade-in value
o with receipt and purchase date is more than 1 year OR
without receipt: subject to the limit, we will pay the
higher of the published value in the relevant Singapore
telecommunication company’s ‘mobile phones trade in
listing’ or $50
o with receipt and purchase date is more than 1 year OR
without receipt: subject to the limit, $50 if the model is
not found in the relevant Singapore telecommunication
company’s ‘mobile phones trade in’ listing.
We retain the right to either make payment or, at as a warranty card, certificate etc) must be
our option, reinstate or repair. provided to us.
For items (laptop, mobile phone or pda) where the If any article is proven to be beyond economic
receipt is unavailable, a proof of purchase (such repair, the claim will be dealt with as if that item
had been lost or stolen.
10
SGTravelVers6.3:6 Sep 2018In the event of loss or damage to any insured cheques due to robbery, burglary or theft during
property that forms part of a pair or a set, our a trip.
liability shall not exceed a proportionate part of
the value of that pair or set. We require that any robbery, burglary or theft that
results in the loss of cash, banknotes and
We shall only be responsible to pay a maximum of traveller’s cheques must be reported by the
$500 for any one item or for any pair or set of insured person to the police having jurisdiction at
items for valuables, mobile phone or pda. the place of the incident within 24 hours after the
incident.
A pair or set of items shall be deemed as one
single item inclusive of its standard accessories, We also require that any claim made by an insured
batteries, lenses and the like (for example and not person under this cover must be accompanied by
limited to a pair of shoes; a bike and any of its written documentation confirming the incident
accompanying accessories; a camera and its and issued by the police who have jurisdiction at
accompanying lens and any accessories even if the place of the incident and to whom the insured
purchased separately and are of different brands; person reported the incident.
a set of diving gear and any accessories even if
purchased separately and are of different brands).
credit card cover
We require that any loss of baggage, valuables
If, during a trip, an insured person’s credit card(s)
and personal effects must be reported by the
are lost or stolen and this results in those credit
insured person to the police having jurisdiction at
card(s) being fraudulently used during that trip,
the place of the incident within 24 hours after the
we will pay for such unauthorised transactions up
incident.
to the maximum limit of $200 in total.
travel documents We require that any loss of credit card(s) must be
reported by the insured person:
We will pay up to the maximum limit for:
o to the credit card issuer(s) within 6 hours
o the cost of replacing passports, travel tickets after becoming aware of the incident; and
and other relevant travel documents of an
insured person that were lost or damaged o in the case of robbery, burglary or theft to the
during that insured person’s trip due to police having jurisdiction at the place of the
robbery, burglary or theft; and incident within 24 hours after the incident.
o the reasonable and additional travel and We require a report issued by the credit card
accommodation expenses that are company or companies to be provided to us
necessarily incurred to replace travel substantiating the report of the loss and providing
documents that were lost or damaged due to details of any unauthorised transactions.
robbery, burglary or theft during a trip by that In the case of robbery, burglary or theft, we also
insured person. require that any claim made by an insured person
We require that any robbery, burglary or theft that under this cover must be accompanied by written
results in the loss of or damage to passports, documentation confirming the incident and issued
travel tickets and other relevant travel documents by the police who have jurisdiction at the place of
must be reported by the insured person to the the incident and to whom the insured person
police having jurisdiction at the place of the reported the incident.
incident within 24 hours after the incident. This credit card cover is not available and does not
We also require that any claim made by an insured apply to an insured person below the age of 18
person under this cover must be accompanied by years.
written documentation confirming the incident,
listing each lost item (with serial numbers where what we will not pay
available)
We will not pay claims for loss of personal
and issued by the police who have jurisdiction at possessions for:
the place of the incident and to whom the insured
person reported the incident. x losses not reported within 24 hours (or in the
case of a credit card, 6 hours) of the incident
to the police who have jurisdiction in the place
personal money the loss occurred, airline, transport company
We will pay up to the maximum limit of $500 in or other carrier who had custody of the
total for the loss of cash, banknotes and traveller’s
11
SGTravelVers6.3:6 Sep 2018baggage or property and may be responsible for every full 6 hours of delay up to the limit shown
for the loss; on your certificate of insurance.
x loss of baggage, money or other insured If the delay results in loss of personal possessions,
property left unattended, mailed or shipped we will either pay for delayed baggage or loss of
separately or as a result of the insured personal possessions, whichever is higher in
person’s failure to take due care and value, but not for both.
precaution for the safeguard and security of
such property;
what we will not pay
x loss of baggage, money or other insured
We will not pay for claims in respect of:
property left with a concierge or other hotel
employee or any person you have not x delay, detention, seizure or confiscation by
previously met; customs or other government officials;
x loss of consumables and perishables including x delay which could have been avoided by the
fruits, food and medication/supplements; taking of reasonable precautions; and/or
x loss of valuables, clothing, personal effects x delay not reported within 2 hours of discovery
(including personal money), laptop, mobile of the delay to the airline, transport company
phone or pda not on, worn or carried by the or other carrier who had custody or control of
insured person; the baggage or property and who may be
responsible for the delay;
x business goods or samples, data on tapes,
discs or cards, portable computer or x delay of baggage mailed or transported
telecommunication equipment, software and separately from you;
accessories;
x delay where we have reasonable grounds for
x loss or damage caused by wear and tear, believing that your claim is not made in good
depreciation, deterioration, insects, vermin, faith.
mildew, atmospheric conditions, the action of
light, any process of heating, cleaning,
repairing, restoring, mechanical or electrical travel cancellation, trip
breakdown, misuse, faulty design or disruption , travel delay and
workmanship; travel cancellation due to
x delay, detention, seizure or confiscation by insolvency
customs or other government officials;
Any amounts payable under your travel
x unexplained disappearance, or shortage due cancellation, trip disruption, travel delay and
to error, omission or exchange rate travel cancellation due to insolvency covers will be
differences or depreciation in value; aggregated and shall not exceed the maximum
limit and any applicable sub-limits detailed on
x any fine or penalty that the insured person your certificate of insurance.
incurs due to non-replacement or late
replacement of the lost personal documents;
travel cancellation
x loss or damage which could have been
avoided by the taking of reasonable If an insured person’s trip is unavoidably cancelled
precautions; and/or within 30 days before the start of the trip but after
arranging it due to:
x loss or damage of property where we have
reasonable grounds for believing that your o death of the insured person, any member of
claim is not made in good faith. his family or his travel companion;
o serious injury of the insured person, any
delayed baggage member of his family or his travel companion;
If during a trip an insured person’s checked-in o serious sickness of the insured person, any
baggage is temporarily lost in transit or member of his family or his travel companion;
misdirected by the carrier and not restored to him
o a natural disaster, an Act of God or adverse
within 6 hours after his arrival at the baggage
weather conditions which prevents the
pick-up point of that person’s scheduled
insured person from making that trip;
destination both outside and back in Singapore,
we will pay the insured person an amount of $200
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SGTravelVers6.3:6 Sep 2018o an unexpected outbreak of strike, riot or civil travelling to the planned destination
commotion arising in the planned destination or any parts of that planned
and which is beyond the insured person’s destination for any other reason or
control; or cause.
o an epidemic, pandemic, outbreak of
contagious disease or other such similar what we will not pay
health hazard in the planned destination,
We will not pay for claims where you are:
we will pay up to the amount stated on your
x travelling against the advice of the mass
certificate of insurance for the unused travel fare,
media and/or any government or official body
accommodation charges and deposits that the
to any particular country or parts of a
insured person has paid or is legally obliged to pay
country;
and which are not recoverable from any other
source. x travelling against the advice of the mass
media and/or any government or official body
To make a claim under this cover:
in respect of a strike, riot, bad weather, civil
o for death, we require the relevant formal commotion, epidemic, pandemic, contagious
death certificate; disease or other similar health hazard; or
o due to serious injury or serious sickness, we x travelling to a country which has been
require you to provide us with written reported to be suffering from an epidemic,
confirmation from a doctor on the nature of pandemic, outbreak of contagious disease or
the serious injury or serious sickness; or other such similar health hazard in the
planned destination prior to the
o due to: commencement of the trip.
a natural disaster, an Act of God or
adverse weather conditions which trip disruption
prevents the insured person from
making that trip; If an insured person’s trip is disrupted due to:
an unexpected outbreak of strike, o the unexpected death of that insured person
riot or civil commotion arising or of any member of his immediate family or
beyond the insured person’s control of his travel companion;
in the planned destination; or
o the serious injury of a member of that insured
an epidemic, pandemic, outbreak of person or of any member of his immediate
contagious disease or other such family or of his travel companion;
similar health hazard in the planned
o the serious sickness of that insured person or
destination
of any member of his immediate family or of
a report, notice, warning, advisory or other such his travel companion;
similar thing must have been published or
o hijacking of the aircraft in which the insured
produced before the start date of your trip but
person is on board as a passenger;
after the date you arranged that trip by a
government, government authority or other o a natural disaster, an Act of God or adverse
internationally recognised entity and which weather conditions which prevents the
advised against: insured person from continuing with that trip;
travelling to the planned destination o an unexpected outbreak of strike, riot or civil
or to any part of the planned commotion arising from circumstances in the
destination because of a strike, riot, planned destination which is beyond the
bad weather, civil commotion; or insured person’s control; or
travelling to the planned destination o an epidemic, pandemic, outbreak of
or to any part of the planned contagious disease or other such similar
destination because of a reported health hazard in the planned destination,
epidemic, pandemic, outbreak of
contagious disease or other such we will
similar health hazard in the planned o reimburse the insured person for the
destination; or proportional return of that part of the prepaid
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SGTravelVers6.3:6 Sep 2018cost of that insured person’s trip which is not If during a trip the insured person is booked to
recoverable from any other person or source; travel on a public transport and the scheduled
departure of that public transport is cancelled by
o pay for any additional economy class the carrier and:
transport expenses (air, sea or land travel)
and reasonable hotel costs that are o the cancellation is due to strike or other
necessarily incurred by reason of any of the industrial action, riot, civil commotion, a
events mentioned above for this trip natural disaster, an Act of God, adverse
disruption cover. weather conditions in that planned
destination or the mechanical breakdown or
Our calculation will be prorated for each full day of derangement of that public transport;
the trip that is lost. Our payment shall include
reasonable additional hotel costs that are o an epidemic, pandemic, outbreak of
necessarily and unavoidably incurred due to the contagious disease or other such similar
necessary and unavoidable curtailment or health hazard in the planned destination;
disruption of the insured person’s trip.
o the insured person has checked in, in
accordance with his original itinerary; and
travel delay
o the relevant carrier or its handling agent
If during a trip an insured person is booked to provides us with written confirmation of that
travel on a public transport and the scheduled cancellation, the reasons for that cancellation
departure of that public transport or scheduled and details of the amount of refund due to the
arrival at the planned destination is delayed from insured person,
the time specified by the carrier for a minimum of
6 hours and: we will reimburse the insured person for the
difference between the refund receivable from the
o the delay is due to strike or other industrial carrier and the cost of the next available
action, riot, civil commotion, a natural equivalent ticket to facilitate continuation of the
disaster, an Act of God, adverse weather trip, up to a maximum of $500.
conditions or the mechanical breakdown or
derangement of that public transport; We will not pay for any delay due to the
cancellation of the public transport by the carrier
o an epidemic, pandemic, outbreak of and/or any additional expenses incurred in
contagious disease or other such similar connection with this cancellation including missed
health hazard in the planned destination; flights.
o the insured person has checked-in in
accordance with his original itinerary; and travel cancellation due to insolvency
o the carrier or their handling agent provides us If an insured person’s trip is unavoidably cancelled
with a written confirmation of the delay, the due to insolvency of:
reason for the delay and length of the delay,
o a Singapore-licensed travel agency which is a
we will pay the insured person $100 for every full member of the National Association of Travel
6 consecutive hours of delay up to the maximum Agents Singapore from which the insured
limit detailed on your certificate of insurance. person purchased the trip; or
We will either pay for delayed departure OR o an airline that flies in or out of Singapore
delayed arrival, whichever is the lower in value, Changi international airport,
but not for both.
we will reimburse the insured person for the loss
For this cover, travel delay includes diversion of of irrecoverable travel deposits or travel fares paid
your public transport, an overbooked public in advance, up to the amount detailed on your
transport where the carrier did not permit you to certificate of insurance.
travel or a missed travel connection due to a delay
caused by the public transport on which you were We will not pay for any loss under this travel
travelling. cancellation due to insolvency cover:
We will not pay for any resultant delay costs or x where your policy was purchased 7 days or
expenses due to the delay of the public transport less before the date of departure;
nor will we pay for any additional expenses x caused directly or indirectly by government
incurred in connection with such delay. regulations or control;
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SGTravelVers6.3:6 Sep 2018x caused by cancellation by other provider(s) of arrangement immediately if it is found
the travel and/or accommodation; necessary to do so;
x that is covered by any other existing x for any loss arising from or relating to:
insurance scheme or government
programme; your business, financial or contractual
obligations or those of your travelling
x which will be paid or refunded by a hotel, companion;
airline, travel agency or other provider(s) of
the travel and/or accommodation; or unlawful acts of or criminal proceedings
against any person on whom the booked
x insolvency that happened, or for which a trip depends;
winding up application or petition for
bankruptcy or company winding up (or such curtailment of your trip due to your
other like matter) was filed or made before financial circumstances;
the start date. curtailment of your trip due to
government regulations, acts or decrees;
what we will not pay curtailment of your trip due to
For each of the travel cancellation, trip disruption, amendment of that trip (whether through
travel delay and travel cancellation due to error, omission or default) by the
insolvency covers, we will not pay: provider of any service forming part of
that trip (including the agent or tour
x if any strike, industrial action, riot, civil operator through whom the trip was
commotion, Act of God, natural disaster or booked); and/or
adverse weather conditions started, has been
announced or has occurred on or before the cancellation, curtailment or delay due to
date of purchase of your policy for single trip you, an insured person’s and/or your
DirectAsia travel policies and before the date travel companion’s disinclination to
of booking or reservation of your trip in the travel.
case of an annual DirectAsia travel policy;
x where the planned destination has been rental car excess benefit
reported (prior to the commencement of the This rental car excess benefit is not available and
trip) by the World Health Organisation or any does not apply to an insured person under the age
government or government authority, to be of 18 years.
suffering from an epidemic, pandemic,
outbreak of a contagious disease or any other If, during a trip, an insured person rents or hires
such health hazard; a motor car:
x if your policy was purchased after you o from a licensed rental agency; and
became aware of any circumstances which
could lead to the disruption of the trip; o that rental or hire agreement requires the
insured person to pay an excess or deductible
x if the reason or cause of the delay was made in respect of loss or damage to the rental
known or was informed publicly prior to the motor car caused by an accident,
purchase of your policy for single trip
DirectAsia travel policies and before the date we will reimburse that insured person for the
of booking or reservation of your trip in the excess or deductible up to the amount detailed on
case of an annual DirectAsia travel policy; your certificate of insurance.
and/or We will only be obliged to pay a claim under this
x for any failure on you or an insured person’s cover if:
part to: o the insured person’s legal responsibility to
check for the departure time specified by pay the excess or deductible is as a result of
the carrier or any changes prior to loss or damage to the motor car caused by
departure; and/or collision or theft while it is in the control of
that insured person;
notify the travel agent, tour operator,
carrier or other provider of any service o the insured person complies with all
forming part of the booked itinerary of obligations at law in the country where the
the need to cancel or abandon the travel motor car is being driven or used;
15
SGTravelVers6.3:6 Sep 2018o as part of the rental or hiring arrangements, x any liability arising from personal injury or
you have taken up a comprehensive motor bodily injury or loss of, damage to, or loss of
insurance policy against loss or damage of the use of property, directly or indirectly caused
rental motor car; by or out of a traffic or motor accident while
the insured person was driving a motor
o the insured person complies with all vehicle;
requirements of the rental agreement;
x any liability arising before the
o the insured person is duly licensed to drive commencement of the trip;
the motor car at the time of the accident or
damage; x any liability arising after the end of the trip;
o the insured person does not drive the motor x any liability arising from:
car off a public road or take part in speed or
time trials of any kind; and death or bodily injury of the insured
person’s employee or any member of the
o the loss or damage does not arise from wear insured person’s family;
and tear, gradual deterioration, damage from
insects or vermin, inherent blemish, latent loss of or damage to property that
defect or damage. belongs to or is in the custody or control
of the insured person or the insured
All other types of motor vehicles including motor person’s employee or any member of the
cycles, trucks and vans will not be covered by this insured person’s family;
benefit.
the insured person’s employment, trade,
business or profession;
personal liability
the ownership or occupation of any land
If, during a trip, an insured person becomes or buildings other than temporary
legally liable to pay compensation for an accident holiday accommodation; or
that results in:
the ownership, possession or use of
o the death or injury of another person; and/or animals, firearms, mechanically
propelled vehicles, vessels or aircraft of
o the loss of or damage to property belonging
any description;
to another person,
x any claim or loss arising out of any activity or
we will indemnify that insured person up to the
business conducted or transacted via the
amount detailed on your certificate of insurance.
internet, intranet, extranet or via the insured
We will also pay for legal costs and expenses
person’s own website, internet site, web
incurred by the insured person provided that these
address or via the transmission of electronic
are only incurred with our prior written consent.
mail or documents or electronic means;
The maximum amount we will pay under this
x any liability which is created by an agreement
personal liability cover in any one period of
but which would not have existed in the
insurance is limited to and shall not exceed the
absence of such agreement;
amount detailed on your certificate of insurance,
regardless of the number of insured persons x judgments which are not in the first instance
involved or the number of occurrences, whether delivered by or obtained from a court of
or not arising from the same source or original competent jurisdiction within Singapore, or
cause. orders obtained in such a court for the
enforcement of judgments made outside
what we will not pay Singapore, whether or not by any reciprocal
agreement to which Singapore is a party
Under this personal liability cover, we are not unless such judgments and/or orders are first
responsible for and will not pay for: accepted by us in writing;
x any liability arising from an insured person’s x any claim, loss, injury or damage arising
wilful, malicious, unlawful or dishonest act; directly or indirectly from, or in any way
involving asbestos, or the use, presence,
x any liability arising from personal injury or
detection, elimination or avoidance of
bodily injury or loss of, damage to, or loss of
asbestos or its potential exposure;
use of property, directly or indirectly caused
by seepage, pollution or contamination; x the cost of removing or cleaning up seeping,
polluting or contaminating substances; or
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SGTravelVers6.3:6 Sep 2018x fines, penalties, punitive,
aggravated damages.
exemplary or
4 > what we do not cover
As mentioned in section 3, there are additional
optional benefit cover – things that your DirectAsia travel insurance policy
does not cover.
pet hotel
The benefit under this cover applies only if you excluded countries
have paid the required additional premium and
We do not cover you for travel in excluded
the pet hotel benefit has been specifically stated
countries.
on your certificate of insurance as being
applicable. This benefit is subject to the terms and
conditions of your policy. our total liability
If you place your cat or dog in a kennel/cattery or Subject to your own individual limits detailed in
pet hotel for the duration of your trip and you are your policy, our total liability for death or total and
delayed and unable to collect that pet on the day permanent disablement occurring when a number
agreed with the kennel/cattery or pet hotel due to of insured persons are together shall not exceed
the delay of your final inbound public transport to $30,000,000 per event and/or conveyance. In the
Singapore or if you were hospitalised and/or event the maximum liability exceeds $30,000,000
quarantined outside Singapore as directed by a per event and/or conveyance, the limit amount
doctor during your trip, we will pay $50 for every will be apportioned among the insured persons but
full 6 consecutive hours of delay, up to the limit the total sum will not be greater than the
detailed on your certificate of insurance. maximum sum insured for each insured person.
This benefit is limited to one pet only.
For us to pay your claim, you must provide us with
fraudulent or false claims
written confirmation from: We will not pay a claim which is in any part
o the carrier stating the reason for the delay fraudulent, false, exaggerated or if you or anyone
and your scheduled date and time of acting for you, makes a claim in a fraudulent or
departure and actual date and time of false way, or where we have been given
departure of the carrier; or documents or information that are false or stolen
or incomplete.
o a doctor confirming your injury or sickness;
and
extreme sports and activities claims
o the kennel/cattery or pet hotel stating the
original and actual pet collection dates. Your policy automatically covers you for the
following sports and activities. You do not have to
We will not pay for a claim under this pet hotel tell us that you are participating in these sports
cover if the reason for the delay was made known and activities:
or was informed publicly prior to the purchase of
this policy. o baseball;
o basketball;
general policy terms o bowling;
All limits and amounts shown in your policy are in o cycling – when not practised as a sport;
Singapore dollars and are inclusive of goods and
services tax. o fishing;
No amount payable by us during any one period o golf;
of insurance will in aggregate exceed 100% of the
o handball;
total sum insured.
o indoor gym activities(excluding but not
No amount payable by us under your policy shall
limited to martial arts, boxing, wrestling and
carry interest.
other activities with rough physical contact);
o netball;
o racquet sports;
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SGTravelVers6.3:6 Sep 2018o running, jogging, brisk walking; x self inflicted injuries or any attempt to self
inflict any such injuries while sane or insane;
o sepak takraw;
x pre-existing medical conditions, including any
o soccer; treatment and complication arising from
o softball; those pre-existing medical conditions;
o swimming; x mental and nervous sleep disorders including
infirmity, psychiatric, mental and nervous
o volleyball; and sleep disorders including insanity;
o water polo. x the insured person’s unlawful act or his wilful
exposure to danger (other than in an attempt
In addition and provided you declare to us before
to save human life);
entering into your annual travel policy, your policy
will also cover you for extreme sports and x suicide or attempted suicide, while sane or
activities except for those sports and activities insane;
listed below. This is not available under single trip
policy. x taking of poison, voluntarily or involuntarily,
while sane or insane;
These excluded sports and activities are:
x travelling against medical advice or where the
x professional sports; travel is made solely or predominantly for the
purpose of obtaining medical treatment;
x speed time trial or any form of race other than
on foot, cycling or swimming; x travelling against the advice of the mass
media and/or any government or official body
x trekking or hiking above 4000 metres in
to any particular country or parts of a
altitude; and/or
country;
x taking part in any of the following activities
x travelling against the advice of the mass
without a licensed guide:
media and/or any government or official body
trekking, hiking or mountain biking in in respect of a strike, riot, bad weather, civil
extreme or hazardous areas; commotion, contagious disease or other
health hazard;
off piste skiing;
x travelling to a country which has been
scuba diving; reported by the World Health Organisation to
rafting, canoeing or kayaking in white be suffering from an epidemic or a pandemic
water rapids; prior to the commencement of the trip;
parachuting, sky diving, paragliding and x medical, surgical or dental treatment except
parascending, bungee jumping or other where such treatment is deemed necessary
similar activities; by an injury or illness within the scope of your
policy;
rock climbing, caving, pot holing or
mountaineering and any like activities x routine medical examinations or check-ups,
that require or need the use of ropes; routine eye or ear examinations where there
is no objective indication of impairment of
hang gliding; or normal health;
hot air ballooning. x any treatment or investigation of a
preventative nature including vaccinations;
other exclusions x rest cures and services or treatment in any
home, spa hydro-clinic, sanatorium or long-
If any one or more of the following events occurs, term care facility that is not a hospital;
we will also be able to refuse or reduce your claim.
We can also cancel your policy. x acupuncture unless acupuncture is carried out
for an injury arising from an accident and is
We do not pay claims for events that arise directly treated under the heading medical expenses
or indirectly from: above;
x a time outside your period of insurance with x cosmetic surgery or plastic surgery,
us as detailed on your certificate of insurance; treatment for obesity, weight reduction
18
SGTravelVers6.3:6 Sep 2018(including liposuction) and weight worker on an oil-rig platform and/or
improvement programmes;
undertaking offshore work;
x cosmetic (aesthetic) or plastic surgery or
treatment except for reconstructive surgery: air crew;
which is carried out to restore function or aerial photographer or aerial surveyor;
appearance after an accident; fire-fighting, police, naval, military, air
which is done at a medically appropriate force service or operations (other than as a
stage after the accident; and serviceman in the Singapore National
Service undergoing full-time or reservist
the cost of the treatment is approved by us training);
in writing before it is done;
construction work, work at heights above
x any treatment that relates to or is needed 10 metres, repair activities involving
because of a previous cosmetic treatment scaffolding or gondolas, work underground
except for reconstructive surgery: in tunnels, demolition work and quarry
workers;
which is carried out to restore function or
appearance after an accident; journalist or news correspondent when
working and/or reporting in a war zone;
which is done at a medically appropriate
stage after the accident; and employee, contractor and/or medical staff
of disaster relief organisations;
the cost of the treatment is approved by us
in writing before it is done; security personnel; and/or
x infertility, contraception, sterilisation (or its any occupation or activity dealing with
reversal), varicocele, impotence or erectile explosives, poisonous or hazardous gases
dysfunction, sexual dysfunction, sex change; or substances;
x sexually transmitted diseases; x declared or undeclared war (including any
civil war and/or any warlike operations) or
x Human Immunodeficiency Virus (HIV), any act thereof except where the insured
Acquired Immune Deficiency Syndrome person is a passive participant;
(AIDS), AIDS-Related Complex (ARC) and
any mutant derivatives or variations of these x military or naval service in time of declared or
or any related experimental medical undeclared war or while under orders for
treatment; warlike operations;
x pregnancy, childbirth, abortion, miscarriage x supplying, transporting or otherwise handling
or menopause and any complications, except facilities, equipment, devices, vehicles,
where such treatment is deemed necessary weapons or other materials intended for use
by injury within the scope of your policy; in war by a party engaged in hostile actions;
x birth defects and/or congenital illness; x invasion, act of foreign enemy, hostilities,
civil war, rebellion, revolution, insurrection,
x circumcision operations unless medically exercise of military or usurped power;
necessary;
x labour strike, riot or civil commotion;
x flying or other aerial activities except as a
fare-paying passenger in a fully licensed x any action whether direct or indirect to
aircraft operated by a licensed commercial air restore or resulting from the restoration of (or
carrier or recognised charter company; attempt to restore) public order;
x an insured person being engaged as a x committing an assault or felony;
professional sports person, entertainer, car or
motorcycle racer; x drinking or being under the influence of
alcohol;
x an insured person who at the time of the
incident was actually working and engaged in x taking or being under the influence of drugs
any of the following capacities or activities: not prescribed by a doctor;
ship crew, fisherman or professional x regardless of any contributory cause, any
event which is caused or contributed to by the
diver; use or release or threat thereof of any
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