Planning to go on an overseas trip with your family? Get yourself a comprehensive family travel cover from a reliable insurer like Allianz Global Assistance. This will help minimise the damage caused by an unforeseen event when you’re holidaying or making an important tour abroad.
Family travel insurance plan is underwritten by Tokio Marine Insurance Singapore Ltd and offered by Allianz Global Assistance Singapore. This policy offers an all-round coverage and can be easily customised.
Before raising an online request for a quotation, do make sure that you have included all your family members.
Benefits and Features
The main benefits and features that you’ll enjoy with this policy are as follows:
- Emergency hospitalisation and treatment benefits while abroad and after you return to Singapore.
- Coverage against all kinds of travel inconvenience.
- Protection against pregnancy-related issues while abroad and in Singapore.
- Provision for claiming benefits for Traditional Chinese Medicine treatment within the country or abroad.
- Medical assistance, evacuation and repatriation from over 240 countries on a 24-hour basis.
- Coverage against accidental death or total/permanent disability (TPD).
- Provision for raising a quotation request online.
- Provision for raising a claim request online.
Who Is It for?
A family cover is ideal for families. If you’re a resident of Singapore – a citizen, a holder of a student pass or work permit or a holder of a dependent visa, you’ll be able to buy this policy provided you meet all the other requirements mentioned in the policy wording.
Whether you need your family cover for one trip or more than one trip, you’ll derive great value out of this plan. A single-trip plan will cover your family for a trip to a maximum of 180 days to an area selected by you while filling out the insurance form. A multi-trip plan will cover you and your family for all your overseas trips made during the year with a maximum coverage of 90 days per trip.
Different Plans Under the Policy and Their Costs
The family travel policy offered by Allianz Global Assistance lets you choose from three different plans. Each plan offers a different quantum of protection. The price of a plan will also vary depending on the degree of protection offered.
The Bronze plan starts from S$58, the Silver plan starts from S$87 and the minimum price of a Gold plan is S$121.
While the starting price for a single-trip family cover is S$49, the starting price for a multi-trip family plan is S$529.
Coverage for different plans
The following tables provide you with a detailed insight into the benefits each plan offers and the sum insured.
Emergency Medical Expenditures, Death and TPD
|Overseas medical expenditure due to sickness||Up to S$400,000||Maximum S$1 million||Unlimited|
|Overseas medical expenditure due to accident (includes dental expenditure)||Up to S$400,000||Maximum S$1 million||Unlimited|
|Overseas in-patient treatment benefit||Up to S$12,000||Up to S$25,000||Up to S$50,000|
|Singapore inpatient treatment benefit||Up to S$500||Up to S$1,000||Up to S$1,500|
|Singapore outpatient treatment cover||Up to S$12,500||Up to S$25,000||Up to S$50,000|
|Cover against accidental death during a commercial flight||Maximum S$35,000||Up to S$80,000||Capped at S$100,000|
|Death and TPD due to accident||Maximum S$35,000||Up to S$80,000||Capped at S$100,000|
|Overseas medical treatment for pregnancy-related issues||S$2,000||S$5,000||S$8,000|
|Cover for costs arising out of Chinese traditional medicine treatment abroad||S$100||S$300||S$500|
|Cover for costs arising out of Chinese traditional medicine treatment in Singapore||S$100||S$300||S$500|
|Additional overseas hospitalisation benefits||Up to S$2,500||Up to S$3,500||Up to S$5,000|
Medical Assistance, Evacuation and Repatriation to Singapore
|Medical assistance and evacuation (24-hour basis)||S$500,000||Unlimited||Unlimited|
|Bringing back mortal remains of the insured to Singapore||S$50,000||Unlimited||Unlimited|
|Sending mortal remains of the insured to the home country||S$50,000||Unlimited||Unlimited|
|Cover for travel arrangement of relative abroad for assisting with repatriation of mortal remains||S$5,000||S$7,500||S$10,000|
|Cover for expenses related to hospital visit by relative||S$5,000||S$7,500||S$10,000|
|Covering compassionate visit to Singapore in case of death of a close relative of the insured||S$5,000||S$7,500||S$10,000|
|Child guard coverage||S$5,000||S$7,500||S$10,000|
Damage to or Loss of Personal Effects
|Cover for loss of travel documents abroad||S$5,000||S$7,500||S$10,000|
|Cover for reasonable expenses arising out of loss and replacement of credit card||S$500||S$750||S$1,000|
|Personal liability against third-party damage cover||S$600,000||S$800,000||S$1 million|
|Protection against excess paid on rented vehicle||S$150||S$500||S$750|
|Cover for damage to or loss of business documents or equipment||S$2,000||S$2,500||S$4,000|
|Protection against theft of money||S$350||S$350||S$350|
|Protection against damage to golfing equipment||S$1,000||S$1,500||S$2,000|
|Jewellery loss or damage cover||S$1,000||S$1,000||S$1,000|
|Damage to or loss of checked in baggage||Up to S$7,000||Maximum S$12,000||Up to a limit of S$15,000|
|Damage to or loss of personal effects not in your checked in baggage||Up to S$3,500||Maximum S$6,000||Up to a limit of S$7,500|
|Delay in travel||Up to S$1,500||Up to S$1,500||Up to S$1,500|
|Delay in baggage arrival||Up to S$1,400||Up to S$1,400||Up to S$1,400|
|Postponement of trip||S$10,000||S$15,000||S$25,000|
|Curtailment of trip||S$10,000||S$15,000||S$25,000|
|Diversion of flight||Not exceeding S$1,500||Not exceeding S$1,500||Not exceeding 1,500|
|Cover against loss of hotel facilities due to events not under your control||Capped at S$500||Capped at S$500||Capped at S$500|
|Delay in travel due to hijack||Not exceeding S$2,500||Not exceeding S$5,000||Not exceeding S$7,500|
|Additional travel cover for costs incurred after commencement of overseas trip||S$10,000||S$15,000||S$25,000|
|Protection against loss of travel and accommodation expenses (paid in advance)||S$10,000||S$15,000||S$25,000|
|Misconnection of conveyance||S$250||S$400||S$600|
|Cancellation of overseas trip due to insolvency of the travel agent||S$1,000||S$3,000||S$5,000|
|30-day automatic and free extension of cover||Available||Available||Available|
Enhanced Protection Against Loss From Terrorism
A claim arising out of loss due to an act of terrorism will be capped at S$35,000 for the Bronze plan, S$80,000 for the Silver plan and S$100,000 for the Gold plan. This policy offers one of the highest rate of terrorism coverage in Singapore.
How to Apply
To purchase you’re a family cover, go to the insurer’s dedicated website page for quotation, choose your preferred type of cover, choose your destination and duration of trip, add the members of your family you want covered and make easy online payments.
How to Make a Claim
There are two ways to file a claim - online through the claims portal or via mail. You will have to submit specific supporting documents according to the benefit under which you wish to make a claim and also provide your passport copy and travel insurance itinerary.
To get in touch with a company representative at a time of emergency, call the hotline number +65 6327 2210 at any time during the day. For any other assistance or enquiry, call +65 6327 2210 between 9:00 a.m. and 5:30 p.m. from Monday to Friday.