Travel Insurance-Medical

Each year thousands of Singaporeans travel abroad with very basic travel insurance-medical needs when they leave for overseas vacations, corporate or business travel, international study abroad, and missionary travel worldwide to name a few.

Many holiday makers discover the hard way that the travel insurance-medical plan they signed up through credit cards, budget airlines or travel agencies provide little coverage for losses incurred as a visitor in a foreign country or an expatriate living abroad long-term.

Chartis Singapore TravelGuard helps take some of the costs of medical expenses out of international travel abroad. Protection against these health care losses is available for individual visitors traveling worldwide, outside Singapore.

For more details on the rates and coverage, download brochure here. (updated July 2010)

Highlights

• Have your doubts answered by a "live" agent, even though you might purchase your travel insurance online
• High Medical & Accident Dental Expenses reimbursement for Premier Plan Cover
• Reimburses your approved claims from the first dollar
• Baggage and Travel Delay claim whilst you are in Singapore and overseas pays from 6 hours onwards and every 6 hours thereafter
• Better compensation for Flight Diversion to another destination due to adverse weather conditions-pays S$100 from 6 hours onwards and every 6 hours thereafter
• Reimbursement for medical expenses arising from Pregnancy related sickness
• Automatic Extension of Policy due to Hospitalisation/Quarantine
• Protects your children's needs with Child Education Grant
• Group discounts available for 30 pax and above
• Protects you while you enjoy leisure amateur sporting sports such as scuba diving, water sports, winter sports, skydiving, mountaineering, rock-climbing and trekking
• Compensation for Flight Overbooking
• Enjoy Supplementary Benefits such as Golf Advantage and PetCare
• Chartis TravelGuard policy allows you to seek medical treatment back in Singapore within 7 days, and a maximum of thirty (30) days to continue treatment in Singapore.

Things to Note

• Insured Persons must be residing in Singapore who are Singaporeans, PRs or Foreigners with valid Employment Pass, Work Permit, Dependent Pass, Student Pass or Long Term Social Visit Pass, unless otherwise agreed.
• Application for Child below the age of 16 to be covered under an individual travel insurance-medical plan must be made in the name of the parent or guardian. Limits applicable are those of child insured under a Family Plan.
• Policy must be effected before departure and Trip must depart from and end in Singapore

Family Plan

• Single Trip Plan – Any 1 or 2 adults travelling with any number of children can apply. The 2 adults need not be related but the children must be the legal child or ward (in the case of a guardian), grandchild, brother, sister, nephew, niece or cousin of either of the adults. The family must travel and return together.
• Annual Multi-Trip Plan – For a legally married couple and any number of children. Each child must be accompanied by either of the insured adults under this plan for any trips made during the Policy Period. Couple can travel separately.
• Child – shall mean an unmarried person or persons not older than 18 years of age or below 23 years of age if such person(s) is studying full-time or enrolled to study full-time in a recognized institution of learning or higher learning during the Policy period.

Trip Duration

• Per Trip means one trip which does not exceed 182 consecutive days.
• Annual Multi-Trip means multi trips over the annual period specified in the policy schedule where each trip shall not exceed 90 consecutive days from the date of departure to the date of return to Singapore.

• If the Insured Person is covered by more than 1 Policy underwritten by the Company for the same trip, the Company will consider the person to be insured only under the Policy which provides the highest benefit level.
• No refund of premium is allowed once the Policy has been issued.

Main Exclusions

• AIDS; mental or nervous disorders; suicide or self-inflicted injuries.
• Childbirth & Pregnancy (except Section 3 and Section 7).
• Gemstones.
• Flight duty (except as a passenger) or manual work.
• Pre-Existing Medical Condition (i) for a Per Trip travel insurance-medical policy shall mean any illness, disease or other condition which You suffer and within a 12-month period preceding the effective date of this Policy (a) first manifested itself, worsened, became acute or exhibited symptoms which would have caused an ordinary prudent person to seek diagnosis care or treatment; (b) requires You to take prescribed drugs or medicine; or (c) was treated by a Medical Practitioner or treatment was recommended by a Medical Practitioner; and

  (ii) for an Annual Multi-Trip Plan Policy shall mean any illness, disease or other condition for which a claim is payable under the Policy in respect of a previous Trip within 12 months prior to Your travel or any illness, disease or other condition which You suffer and within a 12-month period preceding the effective date of this Policy (a) first manifested itself, worsened, became acute or exhibited symptoms which would have caused an ordinary prudent person to seek diagnosis care or treatment; (b) requires You to take prescribed drugs or medicine; or (c) was treated by a Medical Practitioner or treatment was recommended by a Medical Practitioner.

Country Exclusions

• Chartis Singapore travel insurance-medical policy will not cover any loss, injury, damage or legal liability arising directly or indirectly from travel in, to, or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan or Syria.

*Note: Please refer to Policy for specific terms, conditions and exclusions.

View Chartis Singapore Medical Travel Insurance Policy Wordings (Updated January 2011)

In event of a claim

If you have further questions about Chartis travel insurance-medical policy, feel free to email me at

Or you might want to read more about me and my company here

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