For some, travelling is a part of their job and for some, travelling is a passion. Whatever be the reason, the risks associated with travelling are many. For a frequent traveler, travel insurance is a necessary inclusion in their insurance portfolio. A travel insurance will get you prepared to face any unforeseen circumstance during a trip. From baggage delays to sudden illness, a travel insurance will ensure that you are covered.
Tenet Sompo Travel Insurance in Singapore
Tenet Insurance Company Limited was established in the year 1957. Initially known as “The People’s Insurance Company Limited”, the company became a subsidiary of Hwa Kong Limited in 1980’s. Various well-known institutions like the Hartford International Financial Services Group, Sompo Japan Insurance Inc. and NIPPONKOA Insurance Company had acquired stakes in Tenet Insurance over the years. Acquired by Sompo Japan Insurance in 2010, Tenet Insurance was branded as Tenet Sompo. Currently, Tenet Sompo serves a diversified clientele from individuals to families, with a broad spectrum of general insurance products and services.
Tenet Sompo’s travel insurance scheme provides an extensive coverage against medical expenses, lost luggage, accidents and other losses while travelling. With Tenet Sompo’s travel insurance cover, you will not have to worry about unforeseen events that may otherwise ruin your well-planned holiday.
Types of Tenet Sompo Travel Insurance Packages
TravelJoy is the name of the travel insurance product offered by Tenet Sompo Travel Insurance. The travel insurance package basically comes in two types:
The Annual Trip Package:
The annual trip package is ideal if you are a frequent traveller. It is mostly beneficial for families that go on vacations or travel often. Even single individuals who travel frequently on work or related activities can purchase the TravelJoy Annual trip package.
Single Trip package:
The Single trip package is only meant for a one-time trip and can be purchased by both individuals and families. The coverage is more or less the same in the case of annual trip and single trip packages.
Tenet Sompo Travel Insurance Coverage
Tenet Sompo’s “TravelJOY” insurance will be your perfect companion when travelling. Following are some of the unique advantages that a Tenet Sompo customer will enjoy when making a trip, near or far.
Amateur Sports Cover
“TravelJOY” insurance covers risks that accompany sports activities like para-sailing, white-water rafting, bungee jumping and snow-skiing.
Extensive Coverage for Travel Delays
Delays as a result of travel cancellation and natural disasters are covered under Tenet Sompo travel insurance scheme.
Flexible Baggage Delay Coverage
Baggage delay pays from 6 hours and for every 4 hours after that come with “TravelJOY” scheme. Assistance for tracing of lost luggage and passport replacement advice will also be provided.
Tele-medical assistance, medical evacuations and repatriations and referral to a medical facility are offered to the customers.
Special Quarantine Allowance
Quarantine allowance due to 16 infectious diseases like MERS is covered under this travel insurance scheme.
Best TravelJoy™ Sompo Insurance Coverage
Following are the coverage details of TravelJoy, the travel insurance product offered by Tenet Sompo Travel Insurance.
|Death in public transport||S$100,000||Not Applicable|
|Overseas medical expense||S$30,000||S$15,000|
|Medical expense in Singapore||S$30,000||S$15,000|
|Trip cancellation cover||S$15,000||S$6,000|
|Lost baggage cover||S$8,000||S$5,000|
|Lost document cover||S$5,000||S$3,000|
|Terrorism and hostage crisis cover||S$500,000||S$250,000|
Tenet Sompo “TravelJOY” insurance Schemes
Sompo travel insurance offers extensive coverage against a wide range of risks associated with travel and overseas stay. Here’s a glance of the benefits and covers provided under the “TravelJOY” scheme.
Personal accident cover will offer insurance benefits for accidental death, third degree burns, permanent disablement and for accidental death in a traffic accident as a passenger.
Tenet insurance scheme covers medical expenses that are incurred overseas including outpatient and hospitalization charges, emergency dental expenses and emergency medical situations arising from accidents and miscarriage. This cover includes treatment costs from chiropractor, Chinese physicians, physiotherapists and dentists.
Emergency medical evacuation and repatriation costs back to Singapore are covered.
All medical expenses upon return to Singapore including follow-up treatment costs within 31 days are included in Tenet travel insurance scheme.
Hospitalisation allowance is provided to hospital admissions in Singapore and overseas. Also, double the allowance is provided for hospitalization in ICU whilst overseas due to accidents.
Other benefits and costs covered include accommodation and travelling expenses and expenses incurred due to visit by relative or friend in event of customer’s hospitalization.
Liability and Inconvenience Covers
Costs incurred due to loss or damage to baggage and personal belongings including video equipment, laptop, camera and electronic devices are covered under “TravelJOY” plan.
Loss of money due to theft of travel documents and fraudulent use of Credit Card are also reimbursed under this insurance plan.
Other events like trip cancellation within 60 days of departure date, trip curtailment after departure resulting in customer’s return to Singapore, financial collapse of licensed tour operators causing non-refund of trip expenses, trip disruption whilst overseas due to hospitalization are taken care of under Tenet Sompo Travel Insurance scheme.
Family and personal liability insurance of $1,000,000 per insured person and family is provided under this cover.
Tenet Sompo Travel Insurance Promotion
Cash Benefits Offers
If your baggage is wrongly picked up by another passenger causing delay while abroad, Tenet travel insurance provides $200 for the first six hours and $125 for every 4 hours after than with a maximum limit of $1000.
Travel delay due to natural disasters and other insured events are also covered. Tenet Sompo provides $100 for the first six hours and $65 for every four hours thereafter.
Other incidents which attracts cash benefits under this scheme includes flight deviation, flight overbooked whilst overseas, kidnap benefit, delays caused by hijack, loss of hotel facilities and travel misconnection that exceeds 6 hours.
Other bonus covers offered under Tenet Sompo travel insurance includes full terrorism cover, abandonment of trip in Singapore, emergency phone charges, excess cover for rental vehicle, war cover and cover for leisure underwater activities.
As bonus cover, reconstructive surgery due to accidental burns that covers skin transplantation is also provided.
A special cover is also offered for golf that includes events such as damage of buggy, loss or damage of golf equipment, hole-in-one and unused golf fees.
Upon return to Singapore, a quarantine allowance for 16 infectious diseases that includes malaria, SARS, rubella and H1N1 is also offered as bonus cover.
“Go Japan!” Plan Promotion
This unique travel insurance scheme offered by Tenet Sompo is a specially crafted protection plan that offers seamless coverage when you travel to Japan. Some of the unique benefits of the plan are described below:
Cashless medical service at over 740 hospitals in Japan with a medical expense coverage of up to S$ 800,000 for individuals and S$ 1,600,000 for families.
Free translation service is provided to the customers over the phone.
You can call for assistance anytime and locate medical help. Emergency Assistance Japan (EAJ) officer will help you make an appointment and ensure that you receive proper medical care without having to make a payment.
How to apply for a Tenet Sompo Travel Insurance Policy?
The Tenet Travel Insurance product is called TravelJoy, and potential customers can purchase the policy by visiting the official Tenet Travel Insurance Singapore website and fill out the online application form. For any queries relating to the application form, customers can also contact the Tenet Travel Insurance hotline number to get their queries answered.
Once an online request for the policy is submitted online, a representative from Tenet Travel Insurance will get in touch with the customer and obtain further details if necessary. Customers will also need to submit relevant supporting documents including proof of income, identity and residence.
How to claim your Sompo Travel Insurance
In order to make an insurance claim with Tenet Sompo Travel Insurance, you will need to visit the website and download the claim form. The claim form will present you with details on the type of claim you wish to make. Ranging from minor inconveniences to major mishaps, claim forms provide you with the information needed to make your claim.
The claim form is available on the Tenet Travel Insurance website. You will be required to download the claim form and fill out all the details before submitting it. You will also be required to provide identity and residential proof documents to enable Tenet Insurance to verify your information.
You can also contact the Tenet Hotline number in Singapore. Contacting the Hotline number will put you directly in touch with the Customer Service Representative from Tenet. You can narrate details of the sequence of incidents, following which the representative will guide you on how you can go about making your claim.
Check your Eligibility for Tenet Sompo Travel Insurance
In order to be eligible to apply for a Tenet Sompo Travel Insurance Cover, either the annual plan or the single-trip plan, here are the eligibility parameters that need to be met.
Eligibility criteria for Family Plans
- Eligibility for a Single Trip Plan: For a single trip plan, a maximum of two adults and any number of children are eligible to apply for the insurance cover. However, the children need to be related to either one of the adults, legally. The adults needn’t necessarily be related. This is in the case of a Family Plan.
- Eligibility for Annual Trip Plans: This is a family plan as well and has the same eligibility conditions as the Single Trip Plan. Under this plan, the child cannot be over 21 years of age and he/she shouldn’t be employed.
- Duration of Trip: Under the criteria, applicants are eligible for an insurance cover under the Single trip plan for a maximum period of 180 days. In the case of a multi-trip plan, a maximum period of 90 days for one trip will be applicable under the policy.
Terms & Conditions of Tenet Sompo Travel Insurance
The policy must be in effect before departure and the trip must start from and end at Singapore. Any extension of insurance period must be done before the expiry of policy.
All one way trip departing from Singapore will cease upon reaching the destination overseas or 2 hours after the immigration is cleared or policy expiry, whichever is earlier.
Maximum duration for a single trip plan is up to 182 days. For annual multi-trip plans, the duration can be up to 90 days for each trip with unlimited number of trips.
The maximum amount payable for accidents due to terrorism for all policies, even when you have more than 1 “TravelJOY” policy, will be S$500,000 per person.
FAQs – Tenet Sompo Travel Insurance
- What documents will be asked for when making a claim?
- Is my child insured with full coverage under the “TravelJOY” scheme?
- What is the procedure to make an insurance claim?
- If I am refused entry at the overseas immigration checkpoint, will I still be covered under the “TravelJOY” scheme?
- When will the personal accident cover of policy take effect?
- Does Tenet Travel Insurance cover dental treatment overseas?
- Does the Tenet Travel Insurance cover pre-existing conditions?
- How long does it usually take for an insurance claim to be settled?
- Do I need to undergo a medical examination before applying for the Tenet Travel Insurance Plan?
- Are articles or valuables purchased during my journey, covered under the insurance policy?
For medical claims, you will be required to submit all original medical certificates and evidences along with receipts. For loss and delay of luggage, theft of personal effects and money, you must submit written confirmation from carrier, police report, original receipt and other related invoices.
If your child is aged 16 years and above and provided an individual plan is selected for your child, your child will be ensured will full coverage.
Contact the Appointed Assistance Company within 24 hours if the claim value exceeds S$5,000. Otherwise, report the claim to Tenet Sompo within 30 days of your return.
No. Any claim arising out of government intervention, regulation and prohibition are excluded.
This section will be effective from the time you leave your residence to the place of embarkation in Singapore to travel to the desired destination.
If you’ve sustained a dental injury whilst you are overseas and purchased a Tenet Travel Insurance policy, you are eligible to receive dental treatment even while you are overseas and your treatment will be covered under the insurance package.
No. Tenet Travel Insurance does not cover pre-existing medical conditions, even if the condition were to recur or sustain whilst you are overseas.
Most insurance companies in Singapore take about 10 business days to settle an insurance claim. Sometimes, the claim settlement could take longer - this happens on a case-by-case basis. Cases that need to be investigated or examined further will result in slightly delayed settlements.
Well, you don’t need to undergo a medical examination. However, you will have to specifically mention your pre-existing medical conditions while filling out and submitting the application form.
Yes. Articles and valuables purchased during the journey are covered under the insurance plan.