• NTUC Travel Insurance Terms and Conditions

    NTUC’s travel insurance policies offer you protection against various unforeseen events that could spoil your peace of mind while travelling. From travel inconveniences and loss of personal belongings to medical expenses and medical emergencies, NTUC travel insurance policies covereverything you need to make your travel much easier and smoother.

    Types of travel insurance offered by NTUC

    • Enhanced PreX plan: This plan is designed to cover you when you are travelling and when you have pre-existing medical conditions, such as asthma, diabetes, and hypertension. You can choose from three plan types: Enhanced PreX Basic, Enhanced PreX Superior and Enhanced PreX Prestige.
    • Standard plan: Unlike the Enhanced PreX plans, this plan doesn’t cover you when you have pre-existing medical conditions. There are three different types of standard plans available: Preferred, Deluxe, and Classic.

    Terms and conditions for NTUC Travel Insurance

    Travel inconvenience benefits

    No matter how carefully you plan it, your travel experience may not always go as you expect. However, by planning ahead, you can prevent these inconveniences from spoiling your trip. NTUC travel insurance policies offer a variety of travel inconvenience benefits to help you cope with the losses that may arise from such events. Available with both the Enhanced PreX and the Standard plans, these benefits protect you from any loss arising from trip cancellation, trip postponement, trip shortening, trip disruption, missed connections, baggage and travel delays, travel agency going bankrupt, overbooking for public transport, loss of baggage or personal items, loss of money, and loss of travel documents. You can claim your benefits when these travel inconveniences occur due to:

    • Death or serious injury that you or a family member may have suffered.
    • Restrictions imposed by the government on travelling due to any infectious disease that you might be suffering from.
    • Riots/strikes in Singapore or at the destination where you are travelling to.
    • Airline cancelling the flight due to maintenance or weather issues.
    • Your appearance in court, of which you were not aware of while buying the policy.
    • Hijacking that disrupted your flight for at least 12 hours, resulting in shortening of your trip.
    • Delay in the public transport for more than six consecutive hours and for which you are not responsible. To be able to claim these benefits, you will have to submit a proof of the delay, along with the reason for the delay.
    • Missed connecting flight due to a delay in arrival of your flight. You will be able to claim compensation for missed connection only when the airline fails to arrange another flight within six hours.
    • Overbooking of the public transport for which you had made reservations in advance. You will receive compensation if the transport provider fails to provide you with alternate arrangements within six hours of scheduled departure.
    • Travel agency or transport provider going bankrupt. In such a case, you will be able to claim benefits if you had purchased the policy at least three days before the scheduled departure.
    • Delay in arrival of your baggage for more than six consecutive hours.
    • Loss of your baggage or any other personal item due to an accident or theft while travelling outside Singapore. You will have to file a police report within 24 hours of finding out about such a loss.
    • Loss of your money while travelling outside Singapore. To be able to get compensation, you will have to show that you took all possible measures to keep the money safe. The incident should be reported to the police within 24 hours of such loss.
    • Loss of your travel documents, such as passport.

    Personal accident and medical expenses benefits

    When you are travelling overseas, having a travel insurance that covers your personal accident and medical expenses becomes even more important. It takes care of the risk of dealing with huge medical bills at a foreign hospital. NTUC travel insurance provides coverage for personal accident, medical expenses in Singapore and overseas, Chinese medicine practitioner treatment or chiropractic treatment, foreign hospital allowance, medical evacuation emergency, repatriation, and compassionate visit. You/your beneficiaries can claim these benefits in case of a loss/damage resulting from:

    • Injury in an accident, leading to death or permanent disablement within 90 days of the date of the accident.
    • Medical emergency involving unexpected injury or sickness during the overseas trip. To claim the benefits, you will have to provide your medical report, along with the treatment bills.
    • Injury or sickness that you may suffer abroad and, for which, you prefer to get treatment in Singapore.
    • Injury or any other type of sickness that you may have suffered abroad and, for which, you need treatment from a Chinese doctor or a chiropractor in Singapore or overseas.
    • Inpatient treatment at an overseas hospital. The benefit ends right after you get discharged from the hospital.
    • Any life threatening situation involving sickness or injury while travelling overseas, requiring emergency medical evacuation.
    • Death as a result of sickness or injury while travelling overseas. NTUC will compensate your beneficiaries for the cost of your repatriation.
    • Family member visiting you at an overseas hospital after you suffered an injury or sickness while travelling in a foreign country alone. Your stay at the hospital should be at least three days. In case of your demise while travelling overseas and you are alone, NTUC will also cover the expenses your family might have to incur to arrange your funeral overseas or to bring your mortal remains back home.

    Other benefits

    Apart from your travel inconveniences and medical expenses, your NTUC travel insurance policy also covers a lot of other risks that are associated with travelling. These risks include kidnapping, emergency phone bill, home contents cover, personal liability cover, rental vehicle damage cover, and terrorism cover. Check out a few terms and conditions that apply while claiming these benefits. You can claim the aforementioned benefits in case of a loss or damage resulting from:

    • Kidnapping while travelling overseas. NTUC will compensate you if kidnappers hold you hostage for at least 24 hours. However, you will have to prove that kidnapping actually happened and you will also have to report the incident to the local law enforcement agency within 24 hours.
    • Emergency phone calls that you might have to make to NTUC in the event of a medical emergency.
    • Fire in your home in Singapore while you were travelling and there was no one in your home. Any loss from theft during or after the fire incident will not be covered.
    • Injury caused to a third party for which you are legally liable to pay. The policy also covers any damages that you may have caused to a third party property while travelling overseas.
    • Damages to a rental vehicle due to an accident during your overseas trip. You will have to submit a proof that the vehicle was rented from a licensed company and that you were a named driver or a co-driver. You must have covered the rented vehicle with a comprehensive motor insurance policy. NTUC will compensate you for any excess amount that you might have to pay while claiming damages from the motor insurance provider.
    • An act of terrorism. However, there is a limit on how much you can claim in such situations. The limit varies from plan to plan.

    General exclusions

    Check out a few things that are not covered under this policy:

    • The policy will not cover any medical expenses when you are travelling overseas against the advice of your doctor or for getting treatment at a foreign hospital.
    • Unless you have an Enhanced PreX plan, the policy doesn’t cover your losses when you travel with pre-existing medical conditions.
    • The policy doesn’t cover your losses arising from an accident during your participation in any sports activity.
    • The policy will not protect you against losses arising from an activity where you broke the government law or where you failed to take precautionary measures to avoid the loss.

    Cancellation of NTUC Travel Insurance policy

    If you wish to, you can cancel your NTUC travel insurance policy by simply notifying the company. Your policy will stand cancelled from the date when NTUC receives your notice. Depending on the type of policy and the conditions of the policy, you can claim your premium refund as well.

    • Pre-trip policy: If it’s a pre-trip policy and you cancel your policy before starting the trip, you can claim the refund if your refundable premium amount is more than S$21.40 (inclusive of GST). There will be no premium refund if you have made a claim under the policy.
    • Yearly plan: In this case, if you cancel your policy within 180 days of the start of the policy, you can claim your premium refund. If you have made a claim or if the company receives your cancellation notice after 180 days of the start of the policy, there will be no refund.

    Disclaimer

    This article covers only some of the general terms and conditions related to NTUC travel insurance policies. For complete terms and conditions, you can refer the NTUC website.

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