WHAT IT COVERS
Personal Accident
We pay double foraccidental death orpermanent disablement while overseas andtravelling as a passenger on a public transport
Medical Expenses
We pay for medical expenses incurred while overseas arising from injury or illness.
Emergency Evacuation
We provide cover forevacuation, repatriation, and local burial.
Travel Inconvenience
We provide reimbursement for travel and accommodation expenses including cost ofobtaining replacementpassports, travel tickets and other relevant documents
Food & Drinks
We cover for spoilage of food and drinks in the refrigerator or in the freezer at yourresidence which were left vacant for the full duration of the trip.
Winter Sports Equipment Rental
We pay for losses or damage to rented Winter Sports Equipment under your care.
Personal Travel
Benefits
| Personal Accident | Deluxe (SGD) | Essential (SGD) | |
| Section 1 | Accidental Death & Permanent Disablement
|
$350,000 $100,000 $100,000 | $250,000 $50,000 $50,000 |
| Section 2 | Public Transport Double Cover
|
$700,000 $200,000 $200,000 | $500,000 $100,000 $100,000 |
| Section 3 | Child Education Subsidy | $5,000 | $3,000 |
| Medical & Dental / Emergency Medical Assistance / Evacuation | Deluxe (SGD) | Essential (SGD) | |
| Section 4 | Medical & Accidental Dental Expenses Incurred Overseas
|
$500,000 $75,000 $500,000 | $300,000 $50,000 $300,000 |
| Section 5 | Medical Expenses Incurred in Singapore
|
$25,000 $5,000 $25,000 | $15,000 $2,500 $15,000 |
| Section 6 | Overseas Hospitalisation Allowance | $40,000 | $20,000 |
| Section 7 | Double Hospitalisation Allowance whilst overseas in ICU from an Accident | $4,000 | $2,000 |
| Section 8 | Overseas Daily Quarantine Allowance | $700 | $350 |
| Section 9 | Singapore Hospitalisation Allowance | $1,000 | $500 |
| Section 10 | Hospital Visit | $25,000 | $15,000 |
| Section 11 | Compassionate Visit | $5,000 | $3,000 |
| Section 12 | Pregnancy Related Expenses | $5,000 | $2,000 |
| Section 13 | Emergency Medical Evacuation | Unlimited | Unlimited |
| Section 14 | Repatriation/Local Burial | Unlimited | Unlimited |
| Section 15 | Child Guard | $25,000 | $15,000 |
| Section 16 | Emergency Handphone Charges | $200 | $100 |
| Travel Inconvenience | Deluxe (SGD) | Essential (SGD) | |
| Section 17 | Trip Cancellation | $12,000 | $6,000 |
| Section 18 | Travel Postponement | $1,000 | $500 |
| Section 19 | Travel Curtailment | $12,000 | $6,000 |
| Section 20 | Travel Interruption | $25,000 | $15,000 |
| Section 21 | Travel Delay | $1,000 | $1,000 |
| Section 22 | Flight Diversion | $1,000 | $1,000 |
| Section 23 | Flight Misconnection | $300 | $200 |
| Section 24 | Flight Overbooking | $150 | $150 |
| Section 25 | Baggage & Personal E ects including Valuables & Laptop Computer | $8,000 | $5,000 |
| Section 26 | Baggage Delay | $1,000 | $1,000 |
| Section 27 | Personal Money & Travel Documents | $5,000 | $3,000 |
| Section 28 | Loss of Credit Card | $1,000 | $1,000 |
| Section 29 | Kidnap & Hostage | $5,000 | $5,000 |
| Section 30 | Delay Due To Hijack | $5,000 | $5,000 |
| Section 31 | Loss of Hotel Facilities | $200 | $200 |
| Section 32 | Financial Collapse of Travel Agency | $12,000 | $6,000 |
| Section 33 | Personal Liability | $1,000,000 | $1,000,000 |
| Golfer’s Bene t | Deluxe (SGD) | Essential (SGD) | |
| Section 34 | Golf Equipment | $1,000 | $750 |
| Section 35 | Hire Golf Equipments | $500 | $250 |
| Section 36 | Hole-In-One | $300 | $150 |
| Bonus Cover | Deluxe (SGD) | Essential (SGD) | |
| Section 37 | Spoilage of Food and Drinks in Refrigerator or Freezer | $200 | $100 |
| Section 38 | Home Guard | $5,000 | $2,500 |
| Section 39 | Winter Sports Equipment Rental | $300 | $200 |
| Section 40 | Rental Car Excess | $750 | $750 |
| Section 41 | Pet Care | $300 | $100 |
| Section 42 | Terrorism | Yes | Yes |
FAQs
Insured Person(s) must be residing in Singapore, who are Singaporeans, Permanent Resident or Foreigners with a valid Employment Pass, Work Permit, Dependant Pass or Student Pass.
Who can be covered under a Family Plan?
Single Trip Plan: Maximum 2 adults travelling with any number of child(ren). The 2 adults need not be related but the child(ren) must each be legally related to either of the 2 adults.
Annual Plan: Maximum 2 adults who are husband and wife and legally married to each other with any number of child(ren) who must be the legal child(ren) of the 2 adults.
Can my child be covered in full just like an adult?
Yes, provided your child is aged 18 and above and have applied and paid for an Individual cover.
What is the maximum duration for a trip to be covered?
Single Trip Plan: Coverage is up to 182 days.
Annual Plan: Coverage is up to 91 days for each trip.
How soon can I activate EQ Travel?
EQ Travel can be activated up to 90 days prior to departure from Singapore.
Can I activate EQ Travel after my departure date?
No. You must purchase EQ Travel before departing from Singapore.
If I am already suffering from some medical illnesses or conditions, will I be able to claim for such treatment during my trip?
No. EQ Travel will not cover treatment for any pre-existing medical condition for which you are already receiving medical advice or treatment recommendation, medical treatment, diagnosis, consultation or prescribed drugs within a 12 months period prior to your trip.
If I sustained an injury or illness whilst overseas, can I continue with my medical treatment upon my return to Singapore?
Yes. EQ Travel will cover the medical expenses necessarily incurred for medical treatment or follow-up treatment in Singapore for an injury or illness sustained whilst overseas for up to 30 days if medical treatment had already been sought overseas or up to 7 days if no prior medical treatment was sought overseas.
Does EQ Travel cover dental treatment?
Yes. EQ Travel covers the cost of dental treatment to restore sound and natural teeth caused by an accident.
If I have to cancel my trip because I have been refused entry at the immigration checkpoint, will I be covered under the Trip Cancellation?
No. EQ Travel does not cover any loss caused by government regulations or control. The Trip Cancellation will cover only the following events:
You or your travel companion’s death or serious illness or compulsory quarantine, or
Unexpected strike, riot or civil commotion beyond your control at the planned destination, or
Serious damage to your principal residence from fire, flood or similar natural disaster which require you to be present at the principal residence, or
Witness summons or jury service.
If I have to cancel my trip because of natural disasters at the planned destinations, such as typhoon, floods, earthquake etc, will I be covered under the Trip Cancellation?
No. EQ Travel do not cover trip cancellation due to natural disasters. The Trip Cancellation will cover only the following events as mentioned above.
I have realised my bag has been stolen when I left it on the table while taking some photographs. Can I claim for this loss of baggage?
No. EQ Travel does not cover loss, damage or theft of insured’s property left unattended in a public place.
Are there any excluded sports or activities?
Accidents while engaged in racing, motor rallies and competitions, mountaineering (reasonably requiring the use of ropes), rock climbing and hiking/trekking in remote areas unless with licensed guides, pot-holing, any activity being airborne (whether suspended or not), not limiting to parachuting, hand gliding, bungee jumping, sky diving or high diving, underwater activities requiring the use of artificial breathing apparatus except leisure scuba diving under the supervision of a qualified diving instructor, sports or games in a professional capacity are excluded.
Is the premium refundable?
- Single Trip Plan: No refund of premium once the Certificate of Insurance has been issued.
- Annual Plan: We will charge or refund the premium as follows:
| • Period of Cover | • Short-Period Premium Refundable |
| • 2 months and below | • 80% of Annual Premium |
| • 4 months and below | • 40% of Annual Premium |
| • 6 months and below | • 20% of Annual Premium |
| • More than 6 months | • 0% of Annual Premium |
What should I do if I need any emergency assistance while I am travelling?
You may call our 24 Hours Emergency Help Line at (65) 6836-7969.