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Policy Documents

Customer Shaped Policy Wording

We use customer feedback to make our T&Cs easier to understand 

We want to make our travel insurance policies as clear as we can. That's why our managers review and update our policy wording regularly to remove any grey areas. If you have any questions about your travel insurance policy, please give us a call so one of our insurance experts can help.

Policy Documents

Your policy details gives you all the information you need about your travel insurance policy with DirectAsia. Please note that this policy wording has been updated and if your policy renewed before 08/08/2017 please call us so we can ensure you have the correct version.


Here's how you can make a claim:


Travel Insurance FAQs

Individual Plan if you're travelling alone.

Group Plan if traveling with 1 or more friends/ relatives. You get to enjoy a group discount when your group size is more than 2.

Family Plan if travelling with your spouse and children. You can include up to 4 children who are aged between 15 days and less than 18 years old or until 24 years old if they are in full-time tertiary education. If there are only 2 members travelling, you should choose our individual or group plans.
For Zone Asia:
  • Brunei
  • Cambodia
  • Indonesia
  • Laos
  • Malaysia
  • Myanmar
  • Philippines
  • Thailand
  • Vietnam
  • Australia
  • China (excluding Tibet)
  • Hong Kong
  • India
  • Japan
  • Korea
  • Macau
  • New Zealand
  • Sri Lanka
  • Taiwan
For Worldwide: Those listed already and All Other Countries

Please note: we do not cover you for the following countries: Afghanistan, Iran, Iraq, Sudan, Syria, Democratic Republic of Congo, Democratic Republic of Somalia, Nepal.
Yes, you get a special family package rate for taking the family plan which covers you, your spouse and up to to 4 children who are aged between 15 days and 18 years old or 24 years old if they are in full-time tertiary education.
We'll automatically extend your policy regardless of annual or single trip cover, if your flight is delayed or you are injured and you can't get back home on your scheduled date.
Our single trip plans can cover you for trips up to 182 days.
Our annual plan covers you for all travel taken within a 12 month period. There's no limit to the number of trips you can take so long as each trip is no more than 90 days.
We cover you for competitions such as triathlons and marathons so long as you're not competing as a professional.
We'll cover you for scuba-diving so long as you have a qualified instructor with you. We're happy to insure you for extreme sports and activities so long as you inform us during the time of purchase. 
We do not cover people who have been advised by a medical practitioner not to travel or anyone who is travelling on a trip to receive medical treatment.
We do not cover you for the following countries: Afghanistan, Iran, Iraq, Sudan, Syria, Democratic Republic of Congo, Democratic Republic of Somalia, Nepal.
We make it simple for you to take out our cover for immediate peace of mind. You’ll just need the personal particulars like NRIC and date-of-birth for you and your travel companions if included on your policy.

That will depend entirely on your needs and considerations. Factors to consider:

  • How much your family would need without your income
  • If you’ll be taking expensive items on your trip
  • How much premium you want to pay
No. The credit cardholder must be the policyholder. You can also arrange to pay by cash or cheque if you don't have your own credit card. 
Yes, for annual cover you can pay your premium in monthly instalments with your credit card at no additional cost.
You can go ahead and buy your cover and it will take effect immediately if you choose. You will receive an SMS confirming your immediate cover.

If you need more time to decide, then you can save your quote and go back to it at a later date. Your quote will be saved in our system for 90 days.
Your premium is calculated based on a number of factors including duration, destination, extreme sports, number of travellers. Your premium is also based on the level of coverage you choose.
We insure most people. For details of who we do and don’t cover please visit our Who We Cover Page
The information you provide to us via this website is securely encrypted via SSL, making it extremely difficult for others to access your information.
No refund will be entitled if you have reported or notified us of a travel insurance claim or we have paid a claim during the policy period. We reserve the right to collect any outstanding premium from you if you opt for our instalment payment plan.
For annual plans, you can cancel this policy at any time by giving us 7 days’ notice. The refund premium will be pro-rated subject to a cancellation fee of S$10 (inclusive of GST).

For single trip plans, you may cancel the policy any time before the commencement date. The refund premium will be subject to a cancellation fee of S$10 (inclusive of GST).

The refund is calculated based on the following conditions:

Premium Refund = [Premium x (Unexpired Period of Insurance (Days) / Original Period of Insurance (Days))] – Applicable Cancellation Fee ($10).

You will receive your premium refund within ten working days.

For premium paid via credit card, we will credit the premium refund to the same credit card account originally used. For cash or cheque payment, DirectAsia will send you a refund via cheque.

As a fully licensed insurance company registered by the Monetary Authority of Singapore, you are protected under the PPF Scheme.

For more details please go to or

If any dispute arises out of your insurance policy that we cannot resolve between us, then that dispute may be submitted to the Singapore Mediation Centre for settlement by mediation in accordance with the mediation procedure in force.
You can choose for automatic renewals and we will simply deduct the amount from your credit card when your renewal is due. If you don't opt for automatic renewal we will send you an invitation to renew.

You can easily make changes to your personal details 24/7 from our website in the My Account section. You can change your particulars, including contact information, billing info, and more

If you need to talk with us, you may call our customer service centre hotline at 6665 5555 from Monday - Friday: 8am - 8pm.
Saturday: 8am - 5pm or Email us at

You can contact us to request a change to be made to your cover. Please give us 7 days' notice in order for the change to be effective.

You may call our customer service centre hotline at 6665 5555 from Monday - Friday: 8am - 8pm.
Saturday: 8am - 5pm or email us at

We will help pay you if your trip is disrupted or you become stranded because of natural disasters or if there has been an unexpected civil commotion that prevents you from continuing with the scheduled trip. You are also covered for additional hotel stays and costs incurred on your return to Singapore.
If the NATAS registered travel company becomes insolvent and you can't proceed with your trip as planned, then we will help to compensate you.
We will help reimburse you the cost for the rest of your planned trip (less the amount you are able to claim from the travel provider or carrier) if it has been disrupted due to an unexpected death, serious injury or illness to either yourself, immediate family member or travel companion.
If you, immediate family member or travel companion become injured or sick before your trip and have to cancel it then we will help reimburse your fare and accommodation charges less the amount you are able to claim from the travel provider or carrier.
You may only be covered under one DirectAsia travel policy for the same loss or damage. If you are covered under more than one, we will consider you as being covered under the policy with the highest benefit level.
Our claims process couldn't be simpler. You call us on our overseas number at +65 6603 3699 (Overseas) if out of Singapore or call us locally at 6532 1818 (Singapore) and we'll take care of the rest!
Call us at +65 6532 1818 to submit your claim with your flight itinerary, and copies of the supporting documents within 30 days upon returning from your trip.

Visit How to Claim for more information and forms. 
Always report to the police within 24 hours at the place of the accident, injury or loss, and get a copy of the police report.
All information on how to lodge a claim with DirectAsia can be found at or call 6532 1818 for personal assistance.



Have questions? Speak with us directly at 6665 5555 or provide your details and we’ll call you.

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Direct Asia Insurance (Singapore) Pte Ltd is a member of the DirectAsia group of companies.
Reinsured by Munich Re, one of the world's leading reinsurers.