Accidental Death & Disablement

• Exclusion for any loss resulting from sickness
• Exclusion for Insured Person sustains bodily injury which results in death and/or Permanent Disablement that takes place after 180 days from the date of the accident

Overseas Medical Expenses

• Any bodily injury or sickness whereby treatment was not sought within 60 days from the time it was first sustained
• Prostheses, contact lenses, spectacles, hearing aids, dentures or medical equipment are not covered
• Expenses of treatment not prescribed by doctor will not be claimable

Emergency Travel Expenses

• Exclusion for expenses relating to meals or other incidental expenses not incurred during hospital confinement

Hospital Cash Benefit

• You must be in hospital for at least twenty-four (24) hours
• Hospital confinement must occur within 30 days of the accident
• Exclusion for expenses incurred in Singapore hospitals
• Exclusion for any expenses relating to hospital confinement which in the opinion of the physician can be delayed until the Insured Person returns to Singapore

Travel Misconnection

• Only applies when travel misconnection details are verified in writing by the operator of the Public Conveyance
• Is only payable when there is no available onward transportation to you within eight (8) consecutive hours on your actual arrival time

Personal Property & Baggage

• Must be due to theft or by force, violence or threat of violence
• Exclusions on loss or damage to jewellery and watches not carried as hand-carried baggage or kept under your supervision
• Exclusions on animal, foodstuff, contraband, eyeglasses, contact lens etc

Personal Money and Travel Documents

• Must be due to theft or by force, violence or threat of violence
• Insured Person must take every possible safeguard to ensure security of his Money and Travel Documents

Personal Liability

• Does not cover harm and property damages to the property of or to any person who is the Insured Person's relative or employee or deemed by law to be his employee.
• Exclusion on damages relating to the willful, malicious or unlawful act or omission of the Insured Person