My VoyageGuard Travel Insurance℠

Travel Insurance Key Benefit Levels

		Essential (S$)	Standard (S$)	Superior (S$)
Personal Accident
1	Accidental Death & Permanent Disablement - For Children (Family Plan only) - For Adult above 70 years old	$125,000 $31,250 $62,500	$250,000 $62,500 $125,000	$500,000 $125,000 $250,000
2	Double Public Transport Cover - For Children (Family Plan only) - For Adult above 70 years old	$250,000 $62,500 $125,000	$500,000 $125,000 $250,000	$1,000,000 $250,000 $500,000
Overseas Medical and Travel Expenses
3	Overseas Medical and Accidental Dental Expenses - For Children (Family Plan only) - For Adult above 70 years old Traditional Chinese Medicine	$500,000 $62,500 $125,000 max $300	$1,000,000 $125,000 $250,000 max $300	$2,000,000 $250,000 $500,000 max $300
4	Overseas Medical Expenses (Women’s Benefit)	$2,000	$3,000	$5,000
5	Overseas Hospital Confinement Benefit	$200 per day max 25 days	$200 per day max 100 days	$200 per day max 250 days
6	Compassionate Visit Overseas	$2,500	$5,000	$10,000
7	Return of Minors	$2,500	$5,000	$10,000
8	Emergency Telephone Charges	$150	$300	Actual Cost
9	Post Journey Medical Expenses Traditional Chinese Medicine	$12,500 max $750	$25,000 max $750	$50,000 max $750
10	Post Journey Hospital Confinement Benefit	$100 per day max 5 days	$100 per day max 10 days	$100 per day max 20 days
11	Chubb Assistance - Emergency Medical Evacuation & Repatriation	$500,000	$1,000,000	Unlimited
12	Chubb Assistance - Repatriation of Mortal Remains	$500,000	$1,000,000	Unlimited
Liability
13	Personal Liability	$500,000	$1,000,000	$2,000,000
14	Legal Expenses	$25,000	$75,000	$150,000
Travel Inconveniences
15	Travel Cancellation	$5,000	$10,000	$20,000
16	Travel Curtailment	$5,000	$10,000	$20,000
17	Travel Delay	$200 per 6 cons hrs max $800	$200 per 6 cons hrs max $1,200	$200 per 6 cons hrs max $2,400
18	Travel Postponement	$500	$1,000	$2,000
19	Travel Misconnection	$100 per 6 cons hrs max $800	$100 per 6 cons hrs max $1,000	$200 per 6 cons hrs max $2,000
20	Flight Diversion	$100 per 6 cons hrs max $800	$100 per 6 cons hrs max $1,000	$200 per 6 cons hrs max $2,000
21	Flight Overbooked	$100 after 6 hrs	$200 after 6 hrs	$500 after 6 hrs
22	Alternative Travel due to Infectious Diseases	$2,500	$5,000	$10,000
23	Loss of Deposit due to Insolvency of Travel Agent	$1,000	$2,000	$5,000
24	Loss of Frequent Flyer Points	$5,000	$10,000	$20,000
25	Personal Property and Baggage	$3,500 max $500 per item $1,000 for laptop	$5,000 max $500 per item $1,000 for laptop	$8,000 max $500 per item $1,000 for laptop
26	Baggage Delay	$200 per 6 cons hrs max $800	$200 per 6 cons hrs max $1,200	$200 per 6 cons hrs max $2,400
27	Personal Money and Travel Documents	$1,000 max $300 money	$3,000 max $300 money	$5,000 max $300 money
28	Fraudulent Credit Card Usage	$1,000	$2,000	$5,000
29	Credit Card Outstanding Balance	$2,500	$5,000	$10,000
30	Kidnap / Hostage	$100 per 6 hrs max $2,000	$150 per 6 hrs max $5,000	$200 per 6 hrs max $10,000
31	Hijack of Public Conveyance	$100 per 6 hrs max $2,000	$150 per 6 hrs max $5,000	$200 per 6 hrs max $10,000
Lifestyle
32	Home Guard	NA	$5,000	$10,000
33	Rental Vehicle Excess	NA	$500	$1,000
34	Rental Vehicle Return	NA	$250	$500
35	Pet Cover	NA	$50 per 6 cons hours max $500	$100 per 6 cons hours max $1,000
Winter Sports (Optional)
36A	Ski Equipments	NA	$3,000 max $1,000 per item	$5,000 max $1,000 per item
36B	Piste closure	NA	$50 per day max $250	$100 per day max $500
36C	Unused ski equipment hire, lift passes and ski school expenses	NA	$500	$1,000
36D	Replacement of ski pass or ski lift pass	NA	$250	$500
Golf (Optional)
37A	Golf Equipments	NA	$3,000 max $1,000 per item	$5,000 max $1,000 per item
37B	Hole-In-One	NA	$300	$500
37C	Unused Green Fees	NA	$750	$1,000
Others
24-hr Worldwide Medical Emergency Assistance Hotline		Yes	Yes	Yes
24-hr Travel Advice Hotline		Yes	Yes	Yes
Terrorism extension		Yes	Yes	Yes
Automatic Extension of Cover if insured is sick or injured while overseas		Public Transport: 14 days Injury / Illness: 30 days	Public Transport: 14 days Injury / Illness: 30 days	Public Transport: 14 days Injury / Illness: 30 days

Personal Accident

	Superior Plan	(S$)
1	Accidental Death & Permanent Disablement - For Children (Family Plan only) - For Adult 70 years old and above	$500,000 $125,000 $250,000
2	Double Public Transport Cover - For Children (Family Plan only) - For Adult 70 years old and above	$1,000,000 $250,000 $500,000
	Standard Plan	(S$)
1	Accidental Death & Permanent Disablement - For Children (Family Plan only) - For Adult 70 years old and above	$250,000 $62,500 $125,000
2	Double Public Transport Cover - For Children (Family Plan only) - For Adult 70 years old and above	$500,000 $125,000 $250,000
	Essential Plan	(S$)
1	Accidental Death & Permanent Disablement - For Children (Family Plan only) - For Adult 70 years old and above	$125,000 $31,250 $62,500
2	Double Public Transport Cover - For Children (Family Plan only) - For Adult 70 years old and above	$250,000 $62,500 $125,000

Overseas Medical and Travel Expenses

	Superior Plan	(S$)
3	Overseas Medical and Accidental Dental Expenses	$2,000,000
	- For Children (Family Plan only) - For Adult 70 years old and above Traditional Chinese Medicine	$250,000 $500,000 max $300
4	Overseas Medical Expenses (Women’s Benefit)	$5,000
5	Overseas Hospital Confinement Benefit	$200 per day max 250 days
6	Compassionate Visit Overseas	$10,000
7	Return of Minors	$10,000
8	Emergency Telephone Charges	Actual Cost
9	Post Journey Medical Expenses Traditional Chinese Medicine	$50,000 max $750
10	Post Journey Hospital Confinement Benefit	$100 per day max 20 days
11	ACE Assistance - Emergency Medical Evacuation & Repatriation	Unlimited
12	ACE Assistance - Repatriation of Mortal Remains	Unlimited
	Standard Plan	(S$)
3	Overseas Medical and Accidental Dental Expenses	$1,000,000
	- For Children (Family Plan only) - For Adult 70 years old and above Traditional Chinese Medicine	$125,000 $250,000 max $300
4	Overseas Medical Expenses (Women’s Benefit)	$3,000
5	Overseas Hospital Confinement Benefit	$200 per day max 100 days
6	Compassionate Visit Overseas	$5,000
7	Return of Minors	$5,000
8	Emergency Telephone Charges	$300
9	Post Journey Medical Expenses Traditional Chinese Medicine	$25,000 max $750
10	Post Journey Hospital Confinement Benefit	$100 per day max 10 days
11	ACE Assistance - Emergency Medical Evacuation & Repatriation	$1,000,000
12	ACE Assistance - Repatriation of Mortal Remains	$1,000,000
	Essential Plan	(S$)
3	Overseas Medical and Accidental Dental Expenses	$500,000
	- For Children (Family Plan only) - For Adult 70 years old and above Traditional Chinese Medicine	$62,500 $125,000 max $300
4	Overseas Medical Expenses (Women’s Benefit)	$2,000
5	Overseas Hospital Confinement Benefit	$200 per day max 25 days
6	Compassionate Visit Overseas	$2,500
7	Return of Minors	$2,500
8	Emergency Telephone Charges	$150
9	Post Journey Medical Expenses Traditional Chinese Medicine	$12,500 max $750
10	Post Journey Hospital Confinement Benefit	$100 per day max 5 days
11	ACE Assistance - Emergency Medical Evacuation & Repatriation	$500,000
12	ACE Assistance - Repatriation of Mortal Remains	$500,000

Liability

	Superior Plan	(S$)
13	Personal Liability	$2,000,000
14	Legal Expenses	$150,000
	Standard Plan	(S$)
13	Personal Liability	$1,000,000
14	Legal Expenses	$75,000
	Essential Plan	(S$)
13	Personal Liability	$500,000
14	Legal Expenses	$25,000

Travel Inconveniences

	Superior Plan	(S$)
15	Travel Cancellation	$20,000
16	Travel Curtailment	$20,000
17	Travel Delay	$200 per 6 cons hrs max $2,400
18	Travel Postponement	$2,000
19	Travel Misconnection	$200 per 6 cons hrs max $2,000
20	Flight Diversion	$200 per 6 cons hrs max $2,000
21	Flight Overbooked	$500 after 6 hrs
22	Alternative Travel due to Infectious Diseases	$10,000
23	Loss of Deposit due to Insolvency of Travel Agent	$5,000
24	Loss of Frequent Flyer Points	$20,000
25	Personal Property and Baggage	$8,000 max $500 per item $1,000 for laptop
26	Baggage Delay	$200 per 6 cons hrs max $2,400
27	Personal Money and Travel Documents	$5,000 max $300 money
28	Fraudulent Credit Card Usage	$5,000
29	Credit Card Outstanding Balance	$10,000
30	Kidnap/Hostage	$200 per 6 hrs max $10,000
31	Hijack of Public Conveyance	$200 per 6 hrs max $10,000
	Standard Plan	(S$)
15	Travel Cancellation	$10,000
16	Travel Curtailment	$10,000
17	Travel Delay	$200 per 6 cons hrs max $1,200
18	Travel Postponement	$1,000
19	Travel Misconnection	$100 per 6 cons hrs max $1,000
20	Flight Diversion	$100 per 6 cons hrs max $1,000
21	Flight Overbooked	$200 after 6 hrs
22	Alternative Travel due to Infectious Diseases	$5,000
23	Loss of Deposit due to Insolvency of Travel Agent	$2,000
24	Loss of Frequent Flyer Points	$10,000
25	Personal Property and Baggage	$5,000 max $500 per item $1,000 for laptop
26	Baggage Delay	$200 per 6 cons hrs max $1,200
27	Personal Money and Travel Documents	$3,000 max $300 money
28	Fraudulent Credit Card Usage	$2,000
29	Credit Card Outstanding Balance	$5,000
30	Kidnap/Hostage	$150 per 6 hrs max $5,000
31	Hijack of Public Conveyance	$150 per 6 hrs max $5,000
	Essential Plan	(S$)
15	Travel Cancellation	$5,000
16	Travel Curtailment	$5,000
17	Travel Delay	$200 per 6 cons hrs max $800
18	Travel Postponement	$500
19	Travel Misconnection	$100 per 6 cons hrs max $800
20	Flight Diversion	$100 per 6 cons hrs max $800
21	Flight Overbooked	$100 after 6 hrs
22	Alternative Travel due to Infectious Diseases	$2,500
23	Loss of Deposit due to Insolvency of Travel Agent	$1,000
24	Loss of Frequent Flyer Points	$5,000
25	Personal Property and Baggage	$3,500 max $500 per item $1,000 for laptop
26	Baggage Delay	$200 per 6 cons hrs max $800
27	Personal Money and Travel Documents	$1.000 max $300 money
28	Fraudulent Credit Card Usage	$1,000
29	Credit Card Outstanding Balance	$2,500
30	Kidnap/Hostage	$100 per 6 hrs max $2,000
31	Hijack of Public Conveyance	$100 per 6 hrs max $2,000

Lifestyle

	Superior Plan	(S$)
32	Home Guard	$10,000
33	Rental Vehicle Excess	$1,000
34	Rental Vehicle Return	$500
35	Pet Cover	$100 per 6 cons hrs max $1,000
	Standard Plan	(S$)
32	Home Guard	$5,000
33	Rental Vehicle Excess	$500
34	Rental Vehicle Return	$250
35	Pet Cover	$50 per 6 cons hrs max $500
	Essential Plan	(S$)
32	Home Guard	NA
33	Rental Vehicle Excess	NA
34	Rental Vehicle Return	NA
35	Pet Cover	NA

Winter Sports (Optional)

	Superior Plan	(S$)
36A	Ski Equipments	$5,000 max $1,000 per item
36B	Piste closure	$100 per day max $500
36C	Unused ski equipment hire, lift passes and ski school expenses	$1,000
36D	Replacement of ski pass or ski lift pass	$500
	Standard Plan	(S$)
36A	Ski Equipments	$3,000 max $1,000 per item
36B	Piste closure	$50 per day max $250
36C	Unused ski equipment hire, lift passes and ski school expenses	$500
36D	Replacement of ski pass or ski lift pass	$250
	Essential Plan	(S$)
36A	Ski Equipments	NA
36B	Piste closure	NA
36C	Unused ski equipment hire, lift passes and ski school expenses	NA
36D	Replacement of ski pass or ski lift pass	NA

Golf (Optional)

	Superior Plan	(S$)
37A	Golf Equipments	$5,000 max $1,000 per item
37B	Hole-In-One	$500
37C	Unused Green Fees	$1,000
	Standard Plan	(S$)
37A	Golf Equipments	$3,000 max $1,000 per item
37B	Hole-In-One	$300
37C	Unused Green Fees	$750
	Essential Plan	(S$)
37A	Golf Equipments	NA
37B	Hole-In-One	NA
37C	Unused Green Fees	NA

Others

	Superior Plan	(S$)
24-hr Worldwide Medical Emergency Assistance Hotline	Yes	Yes
24-hr Travel Advice Hotline	Yes	Yes
Terrorism extension	Yes	Yes
Automatic Extension of Cover if Insured is sick or injured while overseas	Public Transport: 14 days Injury / Illness: 30 days	Public Transport: 14 days Injury / Illness: 30 days
	Standard Plan	(S$)
24-hr Worldwide Medical Emergency Assistance Hotline	Yes	Yes
24-hr Travel Advice Hotline	Yes	Yes
Terrorism extension	Yes	Yes
Automatic Extension of Cover if Insured is sick or injured while overseas	Public Transport: 14 days Injury / Illness: 30 days	Public Transport: 14 days Injury / Illness: 30 days
	Essential Plan	(S$)
24-hr Worldwide Medical Emergency Assistance Hotline	Yes	undefined
24-hr Travel Advice Hotline	Yes	undefined
Terrorism extension	Yes	undefined
Automatic Extension of Cover if Insured is sick or injured while overseas	Public Transport: 14 days Injury / Illness: 30 days	undefined

Important Notes

The amounts listed above are the maximum coverage payable for each benefit.
All benefit items are on reimbursement basis where you will be reimbursed for the expenses incurred except for benefit items 1, 2, 5, 10, 17, 19, 20, 21, 26, 30, 31, 35, 36B.
Maximum of 90 days per Journey for Annual Multi-Trip Policy.
"Pre-existing conditions" will not be covered.
Please refer to the Policy Wordings for the full specifications, conditions and exclusions.