Travel Notice: Middle East Conflict
Cut-off date and time: 28 Feb 2026, 2:40pm SGT

Due to the escalating security situation in the Middle East, customers are strongly advised to defer all travel to Israel, Iran and to countries within the Middle East (Israel, Iran, UAE, Qatar, Bahrain, Kuwait and the wider Middle East region) until further notice. Read more...

Understanding Your Travel Insurance Benefits

Get to know some of the main covers included in your plan and how they help protect you while you’re away.

Personal Accident and Medical Expenses

• Accidental Death
  If you have an accident and suffer a fatal injury whilst on your trip, we will pay out a cash sum.
• Permanent Total Disablement
  If you have an accident during your trip and your injury causes you to be permanently disabled, then rest assured you're covered.
• Overseas Medical Expenses
  If you're injured or become sick whilst overseas, then we will help pay for your medical treatment while you are overseas.
• Medical Expenses in Singapore
  If you're injured or become sick whilst overseas, we will help pay for your medical treatment on your return to Singapore.
• Overseas Hospital Confinement
  If you are injured or become sick during your trip and it is necessary for you to stay in hospital, we will pay you a per day allowance.
• Compassionate Visit
  If you become hospitalised for 72 hours or more and no adult family member is with you, we will pay reasonable expenses for a family member to travel to be with you.
• Return of Minor Children
  If you are hospitalised while on your trip, we will pay reasonable expenses for another adult to travel to your location and accompany your children back to Singapore.
• Quarantine Allowance in Singapore and Overseas
  If a government or health authority places you into quarantine during your trip or upon your return to Singapore, we will pay you a per day allowance.
• Treatment by a Chinese Medicine Practitioner or a Chiropractor
  If you suffer an injury or become sick whilst overseas, we will help pay for your treatment by a Chinese Medicine Practitioner or Chiropractor.

Travel Inconveniences

• Trip Disruptions
  If you're forced to cancel, postpone, shorten or disrupt your trip due to certain reasons, we will cover the transport and accommodation expenses that you have to pay for that trip.
• Airline and Travel Agency Insolvency
  If your travel plans are affected due to the insolvency of your travel agency, transport provider or tour operator or if the airline for inbound and outbound flights from Singapore has ceased operations, we will pay for non-recoverable transport and accommodation expenses.
• Travel Delays
  If you're delayed leaving Singapore or any destination overseas for more than 6 consecutive hours, we'll pay you a cash benefit.
• Missed Connections, Diversions and Overbooking
  If your travel plans are altered due to a missed connection, diversion or overbooking, we will pay an allowance for every six hours you are inconvenienced.
• Pet Hotel
  If you’ve placed your dog or cat in a kennel, cattery, or pet hotel while you’re away and your return home is delayed, we’ll help cover the additional cost of their extended stay.

Personal Belongings

• Baggage, Personal Belongings, Cash and Travel Documents
  If your baggage, personal belongings and cash are lost, damaged or stolen whilst you're overseas, you are covered.
  If your passport and travel documents are lost or stolen whilst you're overseas, we'll cover your extra transport and accommodation expenses to enable you to obtain their replacement overseas.
• Fraudulent Use of Credit Card
  If your credit card is lost or stolen while you’re overseas and used without your permission, we’ll cover the amount you’re held liable for.
• Baggage Delay in Singapore and Overseas
  If your checked-in baggage has been delayed or misplaced whilst you’re overseas, we'll pay a cash benefit for every 6 consecutive hours of delay. If your checked-in baggage is delayed or misplaced upon your return to Singapore, we’ll pay you a one-time cash benefit after 6 consecutive hours of delay.

Emergency Medical Evacuation and Repatriation

• Emergency Medical Evacuation
  If you are in a life-threatening condition because of sickness or get seriously injured during your trip, we'll help pay for your evacuation if it is necessary to move you to the nearest medical facility either in Singapore or overseas. This also applies if you need to return to Singapore to continue treatment.
• Repatriation
  If you suffer a fatal injury or sickness during your trip, then we will help pay the expenses to bring your body back to Singapore or your home country.

Other Benefits

• Emergency Telephone Charges
  When you make a claim for a medical emergency whilst overseas, we'll also reimburse you the cost of your phone call to our emergency hotline.
• Personal Liability
  If you accidentally injure someone whilst overseas or cause loss or damage to a person's property, we'll help pay your approved legal costs and expenses incurred.
• Passive War
  If any losses covered under your policy is related to an act of war which you did not participate in, you are still covered.
• Terrorism Cover
  If any losses covered under your policy is related to an act of terrorism not involving nuclear, chemical or biological devices, you are still covered.
• Legal Expenses
  In the event that you're falsely arrested or wrongfully detained by any government or public authority, we'll help reimburse your approved legal expenses incurred.
• Hijack or Public Conveyance
  If your public transport is hijacked or detained during your trip, we will pay you a cash benefit for each 24-hour period that you are held.
• Kidnap and Hostage
  If you are kidnapped and held hostage whilst overseas, we will pay you a cash benefit for each 24-hour period that you are detained.
• Rental Vehicle Excess Cover
  If your rental car is damaged due to an accident or stolen during your trip, we'll pay the excess or deductible of the insurance for that rental car that you're liable for.
• Home Contents
  If there is loss or damage to your home contents due to a fire in your home that was left vacant whilst you are overseas, we can repair, replace or pay you a cash equivalent for the damaged home contents.

All benefits are subject to the limits shown in our summary of benefits.

Click here to view the full Benefits Summary including limits for individual travellers, family, child, and travellers aged over 70.