Falling sick abroad can not only disrupt your plans but also cost you a fortune. Being properly insured is the best way to stay protected on your single or multiple trips abroad. If you’re planning to make just one trip this year, you can check out the benefits provided by the Allianz Global Assistance Single Trip Travel Insurance plan.
Travel insurance marketed by Allianz Global Assistance is underwritten by Tokio Marine Insurance Singapore Ltd. and is recommended for both families and individuals looking for single or annual cover.
This policy comes in three different plans – Bronze, Silver and Gold. Your cover can be easily customised keeping your specific needs in focus.
Benefits and Features
The following are some of the key benefits provided by this plan:
- Adequate compensation for travel inconveniences covered by the policy.
- Coverage against accidental death or total/permanent disability (TPD).
- Coverage against unexpected hospital and emergency expenses.
- Provides cover for Chinese traditional medicine treatments and special treatments for women.
- Provides medical assistance and evacuation across multiple places.
- Comes with an easy and hassle-free online claims process.
- Services available across multiple countries.
What and Who Does It Cover?
This travel insurance policy offers coverage for up to 180 consecutive days for a destination of your choice. If you’re a citizen or resident of Singapore, or a foreigner who holds a student’s pass, a work permit, an employment pass or a dependent’s pass, you can get protection under this policy, provided your trip starts from Singapore. A single trip travel insurance is available for both, individuals and families.
While an individual plan will cover you and anyone else specified on your certificate of insurance, a one-time family plan will cover you and the members of your family for a single trip abroad in a year.
Cost of the Plans
The base Bronze plan under this insurance policy starts from S$27. It combines utility with affordability and offers value to the end user. The Silver plan starts from S$37 and offers enhanced coverage. The top-of-the-line Gold plan offers comprehensive coverage and is considered to be one of the best travel insurance policies in Singapore.
If you undertake frequent foreign tours, you can go for the multi-trip plan instead because you can save by not paying separately to insure each trip.
Plans Discussed in Detail
The quantum of protection varies from plan to plan. The following tables discuss the various aspects of coverage and the degree of protection available for each under the three plans.
Unexpected Death or Disablement
|Allowance for in-patient hospitalisation in Singapore||Up to S$500||Up to S$1,000||Up to S$1,500|
|Coverage for outpatient treatment carried within 30 days of return to Singapore||Up to S$12,500||Up to S$25,000||A maximum of S$50,000|
|Accidental death coverage while flying to or from abroad on a commercial flight||Up to S$35,000||A maximum of S$80,000||A maximum of S$100,000|
|Death or TPD from an accident during the trip||Capped at S$35,000||Capped at S$80,000||Capped at S$100,000|
|Overseas outpatient and inpatient medical treatment protection necessitated by unexpected sickness||Up to S$400,000||Up to S$1 million||Unlimited|
|Protection against costs arising out of pregnancy and related issues abroad||S$2,000||S$5,000||S$8,000|
|Hospital confinement benefit during your trip abroad||Maximum of S$12,000||Maximum of S$25,000||Maximum of S$50,000|
|Additional overseas hospital confinement protection||Up to S$2,500||Up to S$3,500||Up to S$5,000|
|Allocation for Traditional Chinese Medicine treatment in Singapore after return||S$500||S$500||S$500|
|Coverage against overseas emergency, hospital or dental expenses arising out of an accident||Up to S$400,000||Up to S$1 million||Unlimited|
|Allocation for Traditional Chinese Medicine Treatment Abroad||S$100||S$300||S$500|
Evacuation From Overseas Site and Repatriation to Home Country
|Hospital visit by a close friend or relative||S$5,000||Up to S$7,500||S$10,000|
|Repatriation of mortal remains of the insured to Singapore||S$50,000||Unlimited||Unlimited|
|Repatriation of mortal remains of the insured to home country||S$50,000||Unlimited||Unlimited|
|Coverage for a return trip home in the event of death of a close relative||S$5,000||S$7,500||S$10,000|
|Benefits related to hospital expenses abroad or for repatriation for treatment in Singapore (24-hour assistance)||S$500,000||Unlimited||Unlimited|
|Child guard benefit||S$5,000||S$7,500||S$10,000|
|Travel expenses of a relative to assist in repatriation of mortal remains of the insured to Singapore||S$5,000||S$7,500||S$10,000|
|Travel delay protection for every six consecutive hours||Up to S$1,500||Up to S$1,500||Up to S$1,500|
|Baggage delay benefit for every six consecutive hours||Up to S$1,400||Up to S$1,400||Up to S$1,400|
|Travel delay coverage for every six consecutive hours due to diverted flight||Up to S$1,500||Up to S$1,500||Up to S$1,500|
|Costs related to trip postponement (administrative charges)||$S10,000||S$15,000||S$25,000|
|Protection against loss of hotel facilities abroad due to a situation for which you aren’t responsible||Up to S$500||Up to S$500||Up to S$500|
|Travel misconnection coverage for every six consecutive hours||S$250||S$400||S$600|
|Coverage against trip interruption or change in itinerary leading to additional expenses||S$10,000||S$15,000||S$25,000|
|Coverage against expenses due to trip curtailment||S$10,000||S$15,000||S$25,000|
|Free and automatic extension of cover by up to 30 days||Available||Available||Available|
|Benefit for flight delay due to hijack for every 12 consecutive hours||Up to S$2,500||Up to S$5,000||Up to S$5,000|
|Coverage for irrecoverable loss of travel and accommodation charges paid in advance||S$10,000||S$15,000||S$25,000|
|Protection against insolvency of travel agent leading to irrecoverable loss||S$1,000||-||S$5,000|
Loss of or damage to your personal belongings
|Loss of jewellery abroad due to theft||S$1,000||S$1,000||S$1,000|
|Loss of travel documents abroad||S$5,000||S$7,500||S$10,000|
|Reasonable cost coverage against loss and replacement of credit card||S$500||S$750||S$1,000|
|Coverage against loss of or damage to golfing equipment||S$1,000||S$1,500||S$2,000|
|Rental vehicle excess protection||S$150||S$500||S$750|
|Protection against third-party loss or damage caused due to negligence of the insured (Personal liability)||S$600,000||S$800,000||S$1 million|
|Coverage against loss of money due to theft while abroad||S$350||S$350||S$350|
|Coverage against loss of or damage to checked in luggage||Up to S$7,000||Up to S$12,000||Up to S$15,000|
|Coverage against loss of or damage to personal effects and unchecked luggage||Up to S$3,500||Up to S$6,000||Up to S$7,500|
|Protection against loss of or damage to important business documents and equipment overseas||S$2,000||S$2,500||S$4,000|
Protection Against Loss Due to Terrorism While Abroad
This policy offers you enhanced terrorism coverage under all the three plans. You can claim benefits of up to S$35,000 under the Bronze plan, up to S$80,000 under the Silver plan and up to S$100,000 under the Gold plan.
How to make a claim
You can make a claim online through the “online claim portal” by following the steps below:
- Provide your personal details and choose the benefits under which you wish to file a claim.
- Upload your supporting documents (via scan or take photos).
- Go to “Payment details” and provide your bank account details.
In case of medical and dental claims, original documents are to be submitted along with an acknowledgement email.
24-Hour Emergency Service
For any emergency help or service, get in touch with the company representatives by calling the 24-hour helpline +65 6327 2215. For any other assistance, you can call +65 6327 2210 between 9:00 a.m. and 5:30 p.m., Monday to Friday.
How to apply
You can get a quote online by visiting the Allianz Global Assistance website and clicking on “Get a quote in seconds” on the Single Trip Travel Insurance webpage.