Travel Insurance | Policy Details Documents | DirectAsia Insurance
 

Travel Insurance >
Policy Documents

Customer-focused Policy Wording

We aim to be clear & transparent to you in how we shape our policies and T&Cs so that they are easier for you to understand. We also use customer feedback to 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 that one of our customer care specialists can help.

Policy Documents

Your policy details (the wording) give you all the information you need about your travel insurance policy with DirectAsia. Please note that this document has been updated with our new travel product offering. If you are unclear about which one you should refer to, don’t worry, just call us or you can check your latest Certificate of Insurance.

  • If you are insured with our new travel plans – DA150, DA200, DA500, DA1000, please click here for policy details.
  • If you are insured with our previous policy versions – TR100, TR200, TR500, please click here for policy details.

For your convenience, we have also summarized the key changes to policies in a document - What you should know about your new travel policy enhancements. This document outlines the key changes to coverage which we have made. This is just a summary and you should refer to the policy details for full information.

Claims

Our claims process couldn't be simpler. We have a 24-hour Claims hotline to assist you in times of need. If you are out of Singapore, you can call us on our overseas number at +65 6603 3699 (Overseas) or call us locally at 6532 1818 (Singapore) and your dedicated claims specialist will take care of the rest, no forms required!

 
 

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 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 Asia: 
Australia Brunei Cambodia China (excluding Tibet)
Hong Kong India Indonesia Japan
Laos Macau Malaysia Myanmar
New Zealand Philippines South Korea Sri Lanka
Taiwan Thailand Vietnam  

For Worldwide: Those listed above and all other countries.

Please note that we do not cover you for the following countries: Afghanistan, Democratic Republic of Congo, Democratic Republic of Somalia, Iran, Iraq, Libya, Nepal, North Korea, Sudan, Syria, Yemen. 
Yes, you get a special family package rate for taking the family plan which covers you, your spouse and up 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. Your children can go free on the Family Plan with you and your spouse.
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 offer you the option of including coverage for Extreme Sports and Activities with your annual policy - recreational activities perceived as involving a high degree of risk. When you have opted and paid for the Extreme Sports and Activities optional benefit then you will be covered up to the limits listed under the travel insurance plan you purchased when participating in the following sports or activities:
 
  • organized races where you are competing against others such as triathlon, cycling and obstacle races;
  • 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;
  • sports tours where you are competing against other teams in contact sports (e.g. rugby).
 
With the Extreme Sports and Activities optional benefit, you will be covered for the following activities or sports provided that you have a licensed guide and 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).
 
We do not cover the following even if you have opted and paid for the Extreme Sports and Activities optional benefit:
 
  • sports where you are participating as a professional or for any incentive or reward;
  • speed time trial or any form of race other than on foot, cycling or swimming;
  • trekking or hiking above 4,000m in altitude;
  • BASE jumping, wing suit flying or other similar activities; 
  • ski jumping, bobsleigh, skeleton and heli-skiing or other similar activities;
  • taking part in any of the activities without a licensed guide where we have said they are required.
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, Democratic Republic of Congo, Democratic Republic of Somalia, Iran, Iraq, Libya, Nepal, North Korea, Sudan, Syria, Yemen.
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 salary to support them should you become disabled or involved in a fatal accident?
  • How much expense you need to cover for you and/or your family in case of trip delay or cancellation based on the hotel and flight you booked?
  • What are the necessary coverage you need and what would you want to add on for greater peace of mind?
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.
If you need more time to decide, 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. Once you have decided, 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.
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.
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 policy.
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 seven 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, we will send you a refund via cheque.

DirectAsia is a fully licensed insurance company registered by the Monetary Authority of Singapore so you are protected under the PPF Scheme.

For more details please go to www.gia.org.sg or www.sdic.org.sg.

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.
For convenience and peace of mind, we have now made your annual policy as automatic renewal and we will simply deduct the amount from your credit card when your renewal is due. If you choose to opt out of 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 or email us at customerservice@directasia.com.

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 or email us at customerservice@directasia.com.

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.
Our claims process couldn't be simpler. We have a 24-hour dedicated Claims hotline to assist you in times of need. If you are out of Singapore, you can call us on our overseas number at +65 6603 3699 (Overseas/Emergency) or call us locally at +65 In Singapore
6532 1818 and we'll take care of the rest!
We prefer to make things simple for you, so no forms required. Just call us at +65 6532 1818 to start your claim process with your proof of travel, and copies of the supporting documents within 30 days upon returning from your trip. Within one working day, you'll be assigned a personal Claims Specialist. You'll have the ability to contact them directly throughout your claim process. Visit How to Claim for more information. 
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 www.directasia.com/claims or call 6532 1818 for personal assistance.

In the case of an act of terror happening near to where you intend to travel to, and within 50km of your booked accommodation, we understand that you may decide to cancel, curtail, or amend your insured trip. So, if you purchase your policy from 2 February 2018 onwards, we will pay for any irrecoverable transport and accommodation expenses for which you have paid or are contracted to pay if you decide to cancel, curtail or amend the trip. The incident must take place after you have booked the trip and within 30 days before you were due to start the insured trip for you to be able to cancel or amend the trip.

 
We will also pay such costs if you have already travelled and there is an attack within 50km of your booked accommodation and you wish to return back to Singapore early. 
We understand that when you travel on your own, having a family member or friend with you overseas after you fell sick or are injured during the trip, makes the hospitalization stay feel more bearable. So, if you purchase your policy from 2 February 2018 onwards, we will pay up to the limits, depending on your policy purchased, the cost of reasonable return economy class transport and reasonable hotel accommodation expenses to allow one family member or friend to travel to be with you if you are hospitalised for at least five continuous days overseas.
 
We will pay till the date that your doctor confirms that you are fit to continue your trip or return to Singapore for up to 30 days (whichever comes first).
Starting 2 February 2018, as part of your trip, you may choose to include the Sports Equipment Optional Benefit as part of your annual policy to help cover for loss, theft or accidental damage to your equipment whilst overseas on an insured trip e.g. your skis, snowboard, scuba equipment, golf clubs. 
Starting 2 February 2018, you may choose to include your contracted foreign domestic helper as an Optional Benefit under your family plan when she is travelling with your family. We will pay for any losses you incur e.g. medical expenses, medical evacuation & repatriation, emergency phone charges, trip cancellation, or curtailment or delay. This policy will only kick in after you have exhausted the coverage under your compulsory maid cover where applicable (e.g. for medical matters) and you must prove you have done so. Any claims resulting from your maid will count towards ‘Per Family Limit’ specified in each of the sections covered

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