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SUMMARY OF COVERAGE
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MAXIMUM BENEFIT S$
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| OVERSEAS MEDICAL ASSIST |
Premier |
Superior |
Classic |
| Section 1 |
Medical and Accidental Dental Expense Incurred Overseas
Covers outpatient and hospitalization, medical expenses incurred overseas due to Sickness or Injury. Accidental Dental Expenses during the Trip.
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| Insured Person before the attainment of 70 years and below. |
Unlimited |
$500,000 |
$250,000 |
| Insured Person upon attainment of 70 years and above. |
$100,000 |
$100,000 |
$100,000 |
| Insured Child before the attainment of 18 years or 23 years if studying full time in a recognized institution of higher learning. |
$200,000 |
$200,000 |
$200,000 |
| Section 2 |
Medical Expenses incurred in Singapore
Covers for medical treatment or follow-up treatment in Singapore.
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| Insured Person before the attainment of 70 years and below. |
$50,000 |
$25,000 |
$12,500 |
| Insured Person upon attainment of 70 years and above. |
$5,000 |
$2,500 |
$1,000 |
| Insured Child before the attainment of 18 years or 23 years if studying full time in a recognized institution of higher learning. |
$10,000 |
$10,000 |
$10,000 |
| Section 3 |
Medical Expenses - Women's Benefit |
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| Incurred overseas due to Pregnancy Related Sickness. |
$8,000 |
$5,000 |
$2,000 |
| Section 4 |
Treatment by Traditional Chinese Medicine |
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| Covers Chinese Physician treatment. |
$500 |
$300 |
$100 |
| Section 5 |
Overseas Hospital Income |
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| Pays S$200 for every complete day You are hospitalised overseas. |
$50,000 |
$30,000 |
$10,000 |
| Section 6 |
Hospital Income in Singapore |
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| Pays S$100 for every complete day You are hospitalised in Singapore. |
$1,000 |
$1,000 |
$500 |
| Section 7 |
Emergency Medical Evacuation |
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| Covers all AIAS Emergency Medical Evacuation expenses. |
Unlimited |
Unlimited |
$500,000 |
| Section 8 |
Repatriation |
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| Covers all AIAS expenses incurred in returning Your remains to Singapore in the event You suffer death during the Trip. |
Unlimited |
Unlimited |
$30,000 |
| Section 9 |
Direct Repatriation |
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| Covers all AIAS expenses incurred in returning Your remains to Your home country in the event You suffer death during the Trip. |
Unlimited |
$30,000 |
$15,000 |
| Section 10 |
Hospital Visitation |
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| Pays for the incidental expenses for the visit of one Relative or friend if You cannot be evacuated and require hospitalisation for more than 5 days, whilst overseas. |
$10,000 |
$5,000 |
$3,000 |
| Section 11 |
Compassionate Visit |
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Pays for the incidental expenses of sending one Relative or friend if assistance is required to assist
in the repatriation arrangement of Your remains. |
$10,000 |
$5,000 |
$3,000 |
| Section 12 |
Child Guard |
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| Pays for one Relative or friend to accompany Your children home following Your hospitalisation. |
$10,000 |
$5,000 |
$3,000 |
| Section 13 |
Emergency Telephone Charges |
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| Reimburses You for telephone charges for medically related services incurred in contacting AIAS. |
$250 |
$100 |
$100 |
| Section 14 |
Automatic Extension of Policy Period |
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Allows You automatic extension of this policy for up to 30 days without additional premium due to
hospitalisation and quarantine. |
YES |
YES |
YES |
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| PERSONAL ACCIDENT ASSIST |
| Section 15 |
Accidental Death & Permanent Disablement
Covers death and disablement arising from an Accident during the Trip.
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| Insured Person before the attainment of 70 years and below. |
$500,000 |
$200,000 |
$150,000 |
| Insured Person upon attainment of 70 years and above. |
$200,000 |
$100,000 |
$50,000 |
| Insured Child before the attainment of 18 years or 23 years if studying full time in a recognized institution of higher learning. |
$100,000 |
$100,000 |
$50,000 |
| Section 16 |
Public Transport Double Cover
Accidental Death benefit is doubled in the event of the Insured Person’s death while traveling in a Public Transport including Common Air Carrier.
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| Insured Person before the attainment of 70 years and below. |
$1,000,000 |
$400,000 |
NA |
| Insured Person upon attainment of 70 years and above. |
$400,000 |
$200,000 |
NA |
| Insured Child before the attainment of 18 years or 23 years if studying full time in a recognized institution of higher learning. |
$200,000 |
$200,000 |
NA |
| Section 17 |
Child Education Grant |
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| Pays for each legally dependent child (before attaining 23 years and below) studying as a full-time student in a recognised institution of learning as a result of Your accidental loss of life. |
$5,000 |
$5,000 |
NA |
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| TRAVEL & LIFESTYLE ASSIST |
| Section 18 |
Travel Cancellation |
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| Covers loss of irredeemable travel and accommodation expenses paid in advance and occurring up to 30 days prior to departure from Singapore. |
$15,000 |
$10,000 |
$5,000 |
| Section 19 |
Travel Postponement |
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| Covers additional administrative charges for travel and accommodation expenses paid in advance and occurring up to 30 days prior to departure from Singapore. |
$2,000 |
$1,000 |
$500 |
| Section 20 |
Travel Cancellation due to insolvency |
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| Covers the loss of irrecoverable charges or deposit paid in advance in the event of insolvency. |
$5000 |
$3000 |
1000 |
| Section 21 |
Travel Curtailment including Aircraft Hijacking |
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Covers additional travel or accommodation expenses incurred or forfeited after the commencement
of the Trip. |
$15,000 |
$10,000 |
$5,000 |
| Section 22 |
Travel Interruption |
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| Covers the unused portion of the trip due to Your hospitalisation whilst overseas. |
$8,000 |
$5,000 |
$3,000 |
| Section 23 |
Personal Baggage including Laptop Compute |
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| Covers loss or damage to baggage, clothing, personal effects, laptop computer (maximum $500 for any one article or pair or set of articles. Maximum for laptop computer is $1,000). |
$5,000 |
$5,000 |
$3,000 |
| Section 24 |
Jewellery Coverage |
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| Compensates the loss of jewellery whilst overseas due to robbery. |
$750 |
$500 |
NA |
| Section 25 |
Baggage Delay |
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| Pays $200 for each full 6 consecutive hours that Your baggage is delayed whilst overseas and in Singapore. |
$1,000 |
$1,000 |
$1,000 |
| Section 26 |
Travel Documents |
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Pays Your travel and hotel expenses including cost of obtaining replacement passports, travel tickets and other relevant travel documents. Loss of money due to theft is also covered
(maximum $300). |
$5,000 |
$5,000 |
$3,000 |
| Section 27 |
Travel Delay |
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| Pays $100 for each full 6 consecutive hours of delay whilst overseas and in Singapore. |
$1,000 |
$1,000 |
$1,000 |
| Section 28 |
Flight Diversion |
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| Pays $100 for each 6 full consecutive hours if Your flight has been diverted to another destination whilst overseas due to adverse weather conditions. |
$1000 |
$1000 |
$1000 |
| Section 29 |
Flight Overbooking |
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| Pays $100 in the event You failed to board the scheduled flight due to an overbooking although You have a confirmed reservation from the airline. |
$100 |
$100 |
NA |
| Section 30 |
Travel Misconnection |
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| Covers expenses incurred as a result of misconnection of conveyance. |
$500 |
$200 |
$200 |
| Section 31 |
Kidnap & Hostage |
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| Pays $250 for loss of income for every 24 hours You are kidnapped whilst on the Trip. |
$10,000 |
$5,000 |
$3,000 |
| Section 32 |
Personal Liability |
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| Covers You against liability to third parties or damage to their property caused by Your negligence. |
$1,000,000 |
$1,000,000 |
$500,000 |
| Section 33 |
Golf Advantage |
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| a) Covers You for damage or loss of golfing equipment. |
$750 |
$500 |
$500 |
| b) Covers You for entertainment expenses incurred in achieving Hole-in-One. |
$250 |
NA |
NA |
| Section 34 |
Home Guard |
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| Pays for damage (due to fire) to Household Contents per residence which was left vacant for the full duration of the Trip. |
$5,000 |
$5,000 |
NA |
| Section 35 |
Rental Vehicle Excess |
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| Pays for the cost of the insurance excess of a car rented by You if it is involved in an accident. |
$750 |
$500 |
NA |
| Section 36 |
Pet Care |
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| Pays $50 for each full 8 consecutive hours’ delay of the returning flight to Singapore; to cover additional cost incurred by You placing Your cat or dog in a kennel/cattery or pet hotel. |
$500 |
$250 |
NA |
| Section 37 |
Cover in the event of Terrorism |
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| Sections 1 through 38 of this Policy are applicable if they occur as the result of an Act of Terrorism whilst You are on a Trip. |
YES |
YES |
YES |
| Section 38 |
red24 |
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| Offers invaluable online access to security advice and guidance from trained security Specialists. Available 24 hours a day. |
YES |
YES |
YES |
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