• DirectAsia Travel Insurance Singapore Review

    Are you struggling with choosing the most appropriate travel insurance policy for your upcoming trip? With DirectAsia, you will get an all-inclusive plan that offers comprehensive benefits. DirectAsia offers individual plans, family plans, and annual plans. If you are someone who travels frequently, you only have to purchase a plan once and enjoy comprehensive insurance cover for a complete years’ worth of trips.

    DirectAsia Travel Insurance: DA150 Key Highlights

    • Get up to S$2,000 for a compassionate visit by a relative.
    • Get up to S$100,000 in case of permanent disability while you are overseas.
    • Get up to S$3,000 in case of trip cancellation.

    With the DA150 plan, you will get all your basic needs covered during your overseas trip. However, you will not get any additional benefits such as coverage for your sports equipment. Other benefits include cover for hotel disruptions, rental car excess, and more. There are a few optional benefits as well that you will enjoy with this plan such as cover for scuba diving, water skiing, parachuting, and others. However, the coverage will only be applicable if you indulge in such activities under the guidance of a licensed trainer and using an authorised operator.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    Up to S$100,000 Up to S$150,000 Up to S$ 1,000 Up to S$1,000 Up to S$1,000

    DirectAsia Travel Insurance: DA200 Key Highlights

    • If you are a senior citizen, you will get up to S$100,000 under overseas medical expenses.
    • Get up to S$500 if you wish to make use of the services of a Chinese medical practitioner.
    • For local burial or to bring back mortal remains, you will get up to S$1.5 million.

    With DA200, the coverage offered is better than DA150 and you will get coverage for damage to your sporting goods while overseas. In case you are reluctant to travel following an act of terrorism and you wish to cancel the trip, you will get up to S$2,500. However, the incident must take place after you have made the booking. If you become a victim of credit card fraud while you are overseas, you will get up to S$200. You will also get up to S$500 if you lose cash while you are abroad.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    Up to S$300,000 Up to S$200,000 Up to S$ 1,000 Up to S$1,000 Up to S$3,000

    DirectAsia Travel Insurance: DA500 Key Highlights

    • For repatriation of mortal remains, get up to S$1.5 million.
    • If a relative wants to visit you while you are abroad and hospitalised, you will get a compassionate visit benefit of up to S$5,000.
    • If you wish to make emergency phone calls while you are overseas, you will get up to S$100.

    With DA500 travel insurance policy, you will get enhanced coverage in the form of higher payouts. For instance a senior citizen will be eligible to get up to S$250,000 if he/she requires medical treatment overseas. If you wish to get treatment from a Chinese medical practitioner whether you are overseas or in Singapore, you will be eligible to get up to S$750. If you require immediate emergency evacuation, you will get up to S$1.5 million. If you get injured while you are abroad that makes you permanently disabled, you will get up to S$500,000.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    Up to S$500,000 Up to S$500,000 Up to S$ 1,500 Up to S$1,000 Up to S$5,000

    DirectAsia Travel Insurance: DA1000 Key Highlights

    • Get up to S$1.5 million for repatriation of mortal remains and for local burial.
    • If you lose your laptop while you are overseas, get up to S$1,000.
    • If your trip gets cancelled after you make the booking, you will get up to S$25,000.

    DA1000 is the most comprehensive plan that you will get with DirectAsia as you will enjoy maximum benefits in terms of compensation. For example, you will get up to S$7,500 for a compassionate visit by a relative while you are hospitalised. In case you meet with an accident that results in permanent disability, you will get up to S$500,000. Also, after you make a booking for a foreign trip and it gets cancelled for some reason, you will get up to S$25,000.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    Up to S$500,000 Up to S$1 million Up to S$ 2,000 Up to S$1,000 Up to S$7,500

    DirectAsia Travel Insurance Promotions

    When you purchase a DirectAsia travel insurance policy, you will be eligible for the following promotional deals:

    • Get a discount of up to 40% on your travel insurance premium on your annual travel insurance policy.
    • If you have a DirectAsia travel insurance policy, you can refer a friend or family member and get rewarded. Both the referrer and referred will get a shopping voucher worth S$25. This offer is valid until 31 December 2018 and will be applicable only until stocks last. Also, this offer is not valid with single trip travel insurance policy. This offer is available only with customer hotline - 6665 5555 number.

    What You Can Expect From DirectAsia Travel Insurance

    Plan/Coverage DA150 DA200 DA500 DA1000
    Type of trip cover Single/Annual Single/Annual Single/Annual Single/Annual
    Medical expense cover in Singapore Up to S$5,000 Up to S$10,000 Up to S$25,000 Up to S$50,000
    Emergency medical evacuation Up to S$1.5 million Up to S$1.5 million Up to S$1.5 million Up to S$1.5 million
    Travel inconvenience cover Up to S$3,000 Up to S$10,000 Up to S$15,000 Up to S$25,000
    Pre-existing medical conditions NA NA NA NA
    Pregnancy cover NA NA NA NA
    Personal liability cover Up to S$200,000 Up to S$400,000 Up to S$1 million Up to S$1 million
    Additional cover
    Extreme sports and activities cover Covered Covered Covered Covered
    Sports equipment cover Not covered Up to S$5,000 Up to S$5,000 Up to S$5,000
    Maid cover Covered Covered Covered Covered

    What is Not Covered: General Exclusions

    • When you or someone on your behalf commits a criminal or unlawful act deliberately on your trip.
    • If you travel despite the government or an authorised body issuing an advice against travelling to a particular place or country.
    • If you participate in a car race or any other race involving a motor vehicle.
    • When you engage in military, air force, or naval operations or if your work involves handling hazardous substances such as explosives.
    • If the purpose of your trip is to get non-emergency medical treatment such as dental or cosmetic surgery.
    • Claims arising out of any illness caused as a result of depression, anxiety, or depression.
    • If you suffer from any kind of sexually transmitted disease such as AIDS.
    • When you try to commit suicide or try to harm yourself in any way deliberately.

    Things to Consider Before Getting this Travel Insurance Plan

    • The coverage offered to senior citizens is lower in comparison to others.
    • You will have to inform DirectAsia if you wish to extend your cover if your return to Singapore is delayed.
    • The cost of the insurance premium is based on which part of the world you want to visit.
    • Your trip must start from Singapore.
    • You must purchase a plan before you depart for your trip.

    How You Can Buy DirectAsia Travel Insurance

    • Get a quote online when you enter your travel and personal details. Pay immediately and securely with your Visa or Mastercard.
    • You can also purchase the insurance over the phone.

    How to File a Travel Insurance Claim

    If you wish to make a travel insurance claim, you can call the claims helpline number (6532 1818) and submit the copies of supporting documents and flight itinerary within 30 days of returning from the trip. You will be assigned a personal claims specialist within 1 business day till the time all your issues are resolved. Once your claim reaches DirectAsia, you will be updated regarding the progress of your claim through email or phone. You will require separate documents for each type of claim. Here is a list of documents that you will need for different types of expenses incurred while making a claim:

    Missed Flights and Delays

    • Acknowledgment slip and delay report.
    • Written corroboration from the airline on the reasons for the delay and duration of delay.

    Loss of Baggage and Personal Belongings

    • Receipts and warranty cards of damaged or lost items.
    • Pictures of damaged items.
    • Copy of the airline or police report filed at the place where the baggage was lost, within 24 hours.
    • Written corroboration of compensation from the airline.
    • Baggage damage or loss report from the airline.

    Medical Expenses

    • Coroner’s findings, autopsy report and death certificate (for deaths).
    • Police report, if the injury/death took place as a result of a crime or traffic accident.
    • Original copies of medical bills.
    • Medical report and other medical documents.

    Trip Cancellation

    • Receipts for trip booking.
    • Airline and/or travel agent’s confirmation of refund amount.
    • Medical report and other medical documents.
    • A medical certificate or a written advice from a certified medical doctor.
    • Death documents.
    • Proof of relationship (in case of injury, death or sickness of a related person).

    DirectAsia Travel Insurance Hotline

    You can call the following numbers or send a mail on the address given below if you need any assistance or if you wish to have your issues resolved.

    Phone number General Enquiry: 66655555 Claims: 6532 1818
    Email address General Enquiry: customerservice@directasia.com Claims: claim@directasia.com

    Frequently Asked Questions

    Q. Will I get any discount if I include my family in the policy?

    A. Yes, DirectAsia offers a special family package when you opt for the family plan. With this plan you will get coverage for yourself, your spouse and up to four children (aged between 15 days and 18 years).

    Q. How is the DirectAsia travel insurance premium calculated?

    A. Your DirectAsia travel insurance premium is computed based on a several factors that include number of travellers, extreme sports, destination, and duration. The level of coverage you select also plays a role in determining the premium.

    Q. Are there any countries where I would not get any travel insurance coverage?

    A. Yes, you will not get any coverage if you travel the following countries: Democratic Republic of Congo, Afghanistan, Somalia, Iraq, Iran, Libya, North Korea, Nepal, Sudan, Yemen and Syria.

    Q. Will I get any reimbursements if the travel agent through which I booked my trip goes bankrupt?

    A. If your travel agent is registered with NATAS and if it is facing insolvency and you cannot proceed with your trip as scheduled, then DirectAsia will compensate you accordingly.

    Q. If I meet with a road accident on my trip do I have to report about the incident to the police?

    A. Yes, you must report to the police about any accident that you are involved in within 24 hours and get a photocopy of the report. You will have to submit the same while making a claim.

    Q. Is there any option to pay the premium in instalments?

    A.  Yes, if you have taken the annual plan, you can pay the insurance premium in monthly instalments using your credit card without paying anything extra.

    Q. Can I pay the premium using my friend’s credit card?

    A.  No. If you wish to make your premium payment using a credit card, it has to be your own as the policyholder has to be the credit card holder.

    Q. How can I cancel my travel insurance policy?

    A. If you want to cancel your annual plan, you can cancel it by giving DirectAsia a notice of seven days. You will get the refund on a prorated basis subject to a fee of S$10. For a single trip plan, you can cancel the policy any time before the start of your trip.

    Q. How do I renew my annual travel insurance policy?

    A. DirectAsia has recently introduced an option of automatic renewal wherein an amount will be deducted from your card at the time of renewal.

    Q. Will I get any coverage if I am going abroad to get medical treatment?

    A. No, you will not be covered if you are going overseas for the purpose of getting medical treatment.

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