Optional Benefits for your Travel Insurance

Optional Benefits

We know that everyone has different needs when it comes to travelling, so understandably, you will require some insurance cover options to tailor to your needs.

We have 4 Optional Benefits that will help cover different aspects of your travel needs. Do give us a call at 6665-5555 to speak to our Customer Care to understand if you could be covered:

  • Extreme Sports and Activities
  • Sports Equipment
  • Maid (Foreign Domestic Worker)
  • COVID-19

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Extreme Sports and Activities

Life is meant to be lived and we want to help you live it fuller with adrenaline-pumping activities! Your policy automatically covers you when you are participating in non-extreme sports and activities. By extreme sports, we mean any action or adventure sport which in our sole opinion is involving a high degree of risk. Some of the extreme sports that we cover under this Optional Benefit (with an annual policy) include :

  • winter sports such as skiing and snowboarding;
  • hiking or trekking up to 4,000m in altitude (without ropes or specialist equipment);
  • martial arts, boxing or other similar activities;
  • organised races where you are competing against others such as triathlon, cycling and obstacle races;
  • sports tours where you are competing against other teams in contact sports (e.g. rugby).

You will also be covered when participating in some sports or activities if you have a licensed guide and are using a registered operator:

  • off-piste skiing;
  • trekking, hiking or mountain biking in extreme or hazardous areas, rock climbing, caving, pot holing or mountaineering or any similar activities that require the use of ropes;
  • scuba diving (up to a depth of 30m);
  • parachuting, sky diving, paragliding, parascending, bungee jumping, hang-gliding, or other similar activities;
  • white/black water rafting, canoeing or kayaking;
  • water skiing, wakeboarding, windsurfing, kitesurfing or other similar activities;
    all-terrain vehicle (ATV), go-kart, sand buggy or similar (you must wear a helmet).
There are some sports / activities that we are unable to cover for example, if you are participating as a professional, or trekking or hiking above 4,000m in altitude. For a full list, please refer to the policy wording document here.

Sports Equipment

We know that serious sports amateurs are passionate about their sport and will like to bring their own equipment on their travel. If you have opted for the sports equipment Optional Benefit with an annual policy, we will pay for loss, theft or accidental damage to your skis, snowboard, poles, scuba equipment, specialist apparel associated with winter sports or diving, golf clubs, wakeboard or pedal cycles and their accessories whilst overseas.

Maid (Foreign Domestic Worker)

We understand that sometimes you want to bring your helper along on your travels to help ease the stress of a family holiday or you just want to reward her and let her enjoy herself too. Whatever the reason may be, you can now choose the Optional Benefit of adding your helper into your Family Plan. We will pay for any losses you incur e.g. medical expenses, medical evacuation & repatriation, and so on. This policy will only kick in after you have exhausted the coverage under your compulsory maid cover where applicable (e.g. for medical matters).
 

COVID-19

We understand the concerns you may have given the global COVID-19 situation, whether before or during your trip. If you have opted for this optional benefit, we will cover you for:

  • Medical Expenses
    • Medical expenses you incur as a result of being diagnosed with COVID-19 while you are overseas. 
    • Medical expenses in Singapore for COVID-19 when you have sought initial medical treatment in Singapore within 48 hours of your return, up to 30 days from your return to Singapore.
    • Medical expenses for follow-up treatment in Singapore when you were diagnosed with COVID-19 during your trip, up to 30 days from your return to Singapore.
  • Emergency Medical Evacuation, Repatriation of Mortal Remains or Local Burial
    • Cost to transport you back to Singapore or another location for medical treatment after you have been diagnosed with COVID-19, if in our opinion is medically appropriate.
    • Cost to transport your body or ashes back to Singapore, when you are diagnosed with COVID-19 and suffer death overseas.
    • Cost of arranging local burial if after death due to COVID-19 overseas, your next of kin choose to do so.   
  • Trip Cancellation and Curtailment
    • Irrecoverable Travel fees that you have paid when you have to cancel your trip within 30 days from the trip start date, due to the following:
      • You or your travel companion is diagnosed with COVID-19 and certified not fit to travel by a doctor.
      • You or your travel companion is under quarantine order and the quarantine period overlaps with the trip start date.
      • Your immediate family member living with you in the same household is diagnosed with COVID-19 and advised by doctor you should not be travelling.
      • Your immediate family member not living with you in the same household is diagnosed with COVID-19 and confined in ICU at a hospital.
    • When you have already commenced on your trip and your trip is disrupted due to any of the reason above, we will reimburse you for any irrecoverable cost that you have paid, or pay you for reasonable additional expenses for economy class transport or standard hotel room as a result of the disruption. 

 

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