Chubb Scootprotect Travel Insur - MT3

Scoot Protect Travel Insurance
Policy Wording
2016 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb and its respective logos,
1 and Chubb. Insured.TM are protected trademarks of Chubb. Published 09/2016.
Benefit Schedule
Benefit Coverage Return Journey One Way Journey
SGD SGD
1. Personal Accident
For Insured Person between 18 years old to 70 years old 100,000 100,000
For Insured Person above 70 years old 50,000 50,000
For Insured Person between 8 days old to 17 years old 10,000 10,000
2. Medical Expenses due to Accident & Sickness
Max S$750.00 for Traditional Chinese Medicine Expenses
For Insured Person between 18 years old to 70 years old 50,000 Not Applicable
For Insured Person above 70 years old 25,000 Not Applicable
For Insured Person between 8 days old to 17 years old 10,000 Not Applicable
3. Continuation of Medical Treatment After Return to Singapore
Max S$750.00 for Traditional Chinese Medicine Expenses
For Insured Person between 18 years old to 70 years old 5,000 Not Applicable
For Insured Person above 70 years old 2,500 Not Applicable
For Insured Person between 8 days old to 17 years old 1,000 Not Applicable
4. Emergency Dental Expenses due to Accident Up to 50,000 Not Applicable
5. Daily Hospital In-Patient Income
4,000 Not Applicable
Amount per 24 hours - $200 per day
6. Medical Evacuation and Repatriation 20,000 Not Applicable
7. Repatriation of Mortal Remains 20,000 Not Applicable
8. Compassionate Allowance 2,000 Not Applicable
9. Loss of Luggage & Personal Effects
2,000 2,000
Max $500 per Article or set of Article
10. Loss of Travel Documents
1,000 1,000
Max $300 for Money
11. Checked-In Luggage Delay
800 800
$200 per 6 consecutive hours
12. Travel Delay
600 600
13. Travel Misconnection
600 600
14. Hijack Inconvenience
1,000 Not Applicable
15. Flight Cancellation Up to Flight Cost Up to Flight Cost
16. Flight Curtailment Up to Flight Cost Not Applicable
17. Personal Liability Up to 350,000 Not Applicable
18. Terrorism Extension Yes Yes
19. Automatic Extension of Policy period:
Due to overseas hospital confinement 30 days 30 days
Due to Public Transport delay or Critical Medical Condition 7 days 7 days
20. 24 - Hours Travel Assistance Included Not Applicable
21. 24 - Hours Medical Assistance Included Not Applicable
Scoot Protect Chubb Insurance Singapore Limited (hereinafter called the Company) hereby
insures the Insured Person(s) named in the Certificate of Insurance if included
Travel Insurance hereunder, subject to the terms, conditions and exclusions contained herein.
IN WITNESS WHEREOF the Company has caused this Policy to be executed on
and to commence on the Effective Date as stated in the Certificate of Insurance
provided that this Policy shall not be binding on the Company unless the Certificate
of Insurance is signed by an authorised representative of the Company.
Authorised Representative of the Company
and Chubb. Insured.TM are protected trademarks of Chubb. Published 09/2016. 3
Part 1. Interpretation scope of his license pursuant to the laws suspension of operations due to
of the country in which such practice is financial circumstances whether or not
Definitions maintained. Chinese Physician shall bankruptcy petition is filed; or partial
In this Policy, unless otherwise defined not include the Insured Persons or suspension of operations following a
or the context otherwise requires: any of their relatives unless otherwise filing of a bankruptcy petition.
approved by the Company.
Accident means a sudden unforeseen Hospital means a legally constituted
and fortuitous event and Civil Commotion means a disturbance, establishment operated pursuant to the
commotion or disorder created by laws of the country in which it is based,
Accidental shall have a corresponding civilians usually against a governing which holds a license as a hospital (if
meaning. body or the policies thereof. licensing is required in the state or
Act of Terrorism means any actual Confined or Confinement means government jurisdiction) and meets the
or threatened use of force or violence Confinement in Hospital for at least a following requirements:-
directed at or causing damage, injury, Day as a Resident in-Patient (other than
(i) operates primarily for the
harm or disruption, or commission for day surgery) upon the advice of and
reception, care and medicare and
of an act dangerous to human life under the regular care and attendance
treatment of sick, ailing or injured
or property, against any individual, of a Physician and for this purpose,
persons as in-patients;
property or government, which the Day shall mean a period for which the
stated or unstated objective of pursuing Hospital charges for room and board. (ii) provides full-time nursing service
economic, ethnic, nationalistic, Covered Locations means worldwide by and under the supervision of a
political, racial or religious interests, excluding Cuba. staff of Nurses;
whether such interests are declared
Dental Expenses means reasonable (iii) has a staff of one or more
or not. Robberies or other criminal
and necessary charges for dental Physicians available at all times;
acts, primarily committed for personal
treatment, carried out by a Dentist,
gain and acts arising primarily from (iv) maintains organized facilities
medically necessary to treat the Insured
prior personal relationships between for the medical diagnosis and
Persons condition, including charges
perpetrator(s) and victim(s) shall not treatment of such persons, and
for medical supplies or services, not
be considered Act of Terrorism. Act provides (where appropriate)
exceeding the usual level of charges
of Terrorism shall also include any facilities for major surgery within
for similar treatment, supplies or
act, which is verified or recognized by medical services in the locality where the confines of the establishment
the (relevant) government as an act of the expense is incurred and does not or in facilities controlled by the
terrorism. include charges that would not have established; and
Benefit means the respective benefit, been made if no insurance existed. (v) is not primarily a clinic, nursing,
as stated in the Certificate of Insurance, Dentist means a legally licensed dentist rest or convalescent home or
payable by the Company under the or dental surgeon duly registered similar establishment and is other
terms and conditions of this Policy in and practicing within the scope of than a place for alcoholics or drug
respect of each event or loss covered by his license pursuant to the laws of addicts.
this Policy. the country in which such practice is and Hospital shall not include the
maintained. Dentist shall not include following: -
Bodily Injury means injury sustained
the Insured Person or any of their (a) a mental institution; an institution
by an Insured Person resulting solely,
relatives unless otherwise approved by confined primarily to the treatment
directly and independently of all other
the Company. of psychiatric disease including
causes from an Accident and caused by
external, violent and visible means. Destination means the Covered sub-normally; the psychiatric
Locations stated on the Scoot Travel department of a hospital.
Certificate of Insurance means
Itinerary for the Insured Persons
the Certificate of Insurance which is (b) a place for the aged; a rest home; a
Journey.
incorporated and forms part of this place for drug addicts or alcoholics.
Policy. Effective Date means the effective date
stated in the Certificate of Insurance. (c) a health hydro or nature cure
Chinese Physician means a legally clinic; a special unit of a hospital
licensed Traditional Chinese Medicine Family Member means an Insured
used primarily as a place for drug
practitioner (including a Chinese Persons Partner, parent, parent-in-law,
addicts or alcoholics, or nursing,
acupuncturist or bonesetter) duly grandparent, child, brother or sister.
convalescent, rehabilitation,
registered and practicing within the Financial Default means the complete extended-care facility or rest home.
Insured Person(s) means the person(s) from Bodily Injury and which occurs (ii) medical advice or treatment was
named in the Certificate of Insurance within one hundred and eighty (180) recommended by a Physician
who is at least eight (8) days old on the consecutive days of the Accident in within a twelve (12) month period
Effective Date. which Bodily Injury was sustained, and: preceding the commencement of a
Journey means a One Way Journey or a (i) falls into one of the categories listed Journey, or
Return Journey. in the Table of Benefits in Section 1 of (iii) a reasonable person in the
Loss of Limb means total functional Part 6; or circumstances would be expected
disablement or loss by complete and (ii) is a disablement which, having to be aware of within a twelve
permanent physical severance of a lasted for a continuous and (12) month period preceding the
hand at or above the wrist or a foot at uninterrupted period of at least commencement of a Journey.
or above the ankle. twelve (12) consecutive months, is Public Conveyance means any land
Loss of Sight means the entire and at the expiry of that period, beyond or sea conveyance operated under a
permanent loss of all sight in any eye hope of improvement. license for the transportation of fare
rendering the Insured Person absolutely Permanent Total Disablement paying passengers, and which has fixed
blind in that eye and beyond remedy by means disablement that results solely, and established routes only.
surgical or other treatment. directly or independently of all other Resident In-patient means an
Loss of Speech and Hearing means causes from Bodily Injury and which Insured Person whose Confinement is
total and irrecoverable loss of speech occurs within one hundred eighty as a resident bed patient and whose
and hearing which is beyond remedy by (180) days of the Accident in which confinement is due to Bodily Injury and
surgical or other treatment. such Bodily Injury was sustained, is covered by this Policy and not merely
which, having lasted for a continuous for any form of nursing, convalescence,
Medical Expenses means Usual,
and uninterrupted period of at least rehabilitation, rest or extended-care.
Reasonable and Customary Medical
twelve (12) consecutive months, will
Expenses necessarily and reasonably Return Journey means a return trip
in all probability, entirely prevent the
incurred in the medical or surgical made by the Insured Person from
Insured Person from engaging in gainful
treatment of Bodily Injury or Sickness Singapore on a Scheduled Flight, to
employment of any and every kind
covered by this Policy. a Destination, and back, and shall
for the remainder of his life and from
Nurse means any qualified or trainee commence three (3) hours prior to
which there is no hope of improvement.
nurse or general nurse duly registered the departure of Scheduled Flight and
pursuant to the laws of the country in Physician means a legally licensed terminate three (3) hours after the
which the nurse is employed. physician or surgeon duly registered actual arrival of the Scheduled Flight in
and practicing within the scope of Singapore.
One Way Journey means a one way his license pursuant to the laws of
trip made by the Insured Person from the country in which such practice is Riot means the act of any person
Singapore on a Scheduled Flight to a taking part together with others in
maintained. Physician shall not include
Destination, and shall commence three any disturbance of the public peace
the Insured Persons or any of their
(3) hours prior to the departure of the (whether in connection with a strike
relatives unless otherwise approved by
Scheduled Flight and terminate three or lock-out or not) or the action of any
the Company.
(3) hours after the actual arrival of the lawfully constituted governmental
Scheduled Flight at the Destination. Policy means this Policy Wording and authority in suppressing or attempting
Certificate of Insurance describing to suppress any such disturbance or in
Partner means spouse or de-facto with
the insurance contract between the minimizing the consequences of such
whom the Insured Person has been
Company and the Insured Person. disturbance.
living permanently with at least three
(3) months or more at the time of Bodily Policy Wording means this document.
Scheduled Flight means the Scoot
Injury or Sickness. Pre-existing Condition means any flight and/or Scoot Affiliated flight
Period of Insurance means the period condition which:- which corresponds to the flight details
during which the coverage under this (i) the Insured Person received set out in the Insured Persons Scoot
Policy is effective, as stated in the Travel Itinerary.
medical treatment, diagnosis,
Certificate of Insurance.
consultation or prescribed drugs Scoot Affiliated means the non-
Permanent Disablement means within a twelve (12) month period Scoot flight provider shown on
disablement that results solely, directly preceding the commencement of a the Insured Persons Scoot Travel
and independently of all other causes Journey, or Itinerary.
Scoot Travel Itinerary means the For all other sections, insurance Part 3. General Exclusions
travel itinerary issued to the Insured commences upon commencement of a
Person when he booked his Scheduled Journey. This Policy does not cover, and the
Flight, which evidence payment of Company will not in any event be
Scoot premium for travel insurance Section 2 Limits Of Coverage
liable to pay any Benefits or indemnify
under this Policy. 1. Any cover under this Policy in the Insured Person in respect of, any
Sickness means physical condition respect of an Insured Person shall loss which is, directly or indirectly,
marked by a pathological deviation terminate on the earliest of the caused by, a consequence of, arises in
from the normal healthy state as following events:- connection with or is contributed to by
verified by a Physician. any of the following:
(i) Upon the expiry of any Period
Specially Designated List means of Insurance; 1. Declared or undeclared war or any
names of a person, entities, groups, act of war, invasion, foreign enemy,
(ii) Upon the death of the Insured
corporate specified on a list who civil war, rebellion, revolution,
Person; insurrection, military or usurped
are subject to as trade or economic
sanctions or other such similar laws (iii) With respect to Return Journey power.
or regulations of the United States of cover, 46 days after the 2. Loss, destruction or damage to
America, Australia, United Nations, scheduled departure date of any property whatsoever or any
European Union or United Kingdom. the Scheduled Flight. loss or expense whatsoever arising
Strike means the willful act of any there from or any consequential
striker or locked-out worker done in Section 3 Policy Extension loss directly or indirectly caused
furtherance of a strike or in resistance 1. In the event that the Insured or contributed by or arising
to a lock-out; or the action of any Person, as a ticket holding from ionizing radiations or
lawfully constituted authority in passenger on a scheduled Public contamination by radio-activity
preventing or attempting to prevent Conveyance, being prevented from any nuclear fuel or from any
any such act in minimizing the from completing the return leg nuclear waste from the combustion
consequences of any such act. of a Journey within the Period of of nuclear fuel.
Traditional Chinese Medicine Insurance, as a result of: 3. Any willful or intentional acts of
Expenses means the reasonable the Insured Person whether sane
(a) the Insured Persons Critical
expenses for treatments of Bodily Injury or insane, self-inflicted injury,
Medical Condition (as defined
or Sickness by a Chinese Physician. suicide pacts or agreements or
in Part 6, Section 6); or
Usual, Reasonable and Customary any attempts thereat, provoked
Medical Expenses means charges for (b) the scheduled Public homicide or assault.
treatment, supplies or medical services Conveyance in which the
4. The Insured Person acting as a law
medically necessary to treat the Insured Insured Person is traveling
enforcement officer, emergency
Persons condition, does not exceed being unavoidably delayed medical or fire service personnel,
the usual level of charges for similar due to Strike or industrial civil defense personnel or military
treatment, supplies or medical services actions, adverse weather personnel of any country or
in the locality where the expense is conditions or mechanical international authority, whether
incurred and does not include charges breakdown/derangement of full-time service or as a volunteer,
that would not have been made if no the Public Conveyance or due other than for reservist training
insurance existed. to grounding of an aircraft under the Section 14 of the
as a result of mechanical or Enlistment Act (Cap. 93).
Part 2.Scope And Limits Of structural defect; or 5. The Insured Person engaging in,
Cover And Benefits
(c) the Insured Person being practicing for or taking part in
Section 1 Commencement Of Confined in a Hospital outside training in any speed contest or
Coverage of Singapore, The Period of racing (other than on foot) and any
Insurance shall automatically professional competition or sports.
Coverage under Section 15 of Part 6
Flight Cancellation is effective upon the be extended without premium 6. Any condition, which is or results
issuance of the Certificate of Insurance up to seven (7) days for event from or is a complication of
and terminates on commencement of (a) and (b) and up to thirty (30) infection with Human Deficiency
the planned Journey from Singapore. days for event (c) Syndrome (HIV), any variance
including Acquired Immune Company being in breach of trade that the total premium due must be
Deficiency Syndrome (AIDS), and or economic sanctions or other paid and actually received in full by
AIDS Related Complications (ARC), such similar laws or regulations. the Company (or the intermediary
or any opportunistic infections and/ through whom this Policy was
14. The Insured Person not taking all
or malignant neoplasm (tumor) effected) on or before the Effective
reasonable efforts to safeguard his
found in the presence of HIV, AIDS Date of the coverage under the
property or to avoid any injury
or ARC. Policy, Renewal Certificate or Cover
or minimize any claim under the
Note.
7. Any condition which results from policy.
or is a complication of pregnancy, In the event that the total premium
15. Any condition which results from
childbirth, miscarriage (except due is not paid and actually
or is a complication of suicide or
miscarriage due to Bodily Injury) received in full by the Company (or
attempted suicide or intentional
or abortion, intoxication by alcohol the intermediary through whom
self-injury.
or drugs not prescribed by a this Policy was effected) on or
Physician. 16. Mental and nervous disorders, before the Effective Date referred
including but not limited to to above, then the Policy shall not
8. Illegal acts (or omissions) of
insanity. attach and no benefits whatsoever
the Insured Person or the
shall be payable by the Company.
Insured Persons executors, 17. The Insured Person engaging in
Any payment received thereafter
administrators, legal heirs or naval, military or air force service
shall be of no effect whatsoever as
personal representatives, loss or operation or testing of any kind
cover never attached on the Policy.
resulting directly or directly from of conveyance or being employed
action taken by the Government as a manual worker or whilst 2 Entire Contract, Changes
Authorities including confiscation, engaging in offshore activities
This Policy, the Certificate of
seizure, destruction and restriction. like diving, oil-rigging, mining or
Insurance and any amendments
aerial photography or handling of
9. The Insured Person engaging in air or endorsements shall constitute
explosive or loss of or damage to
travel other than as a passenger on the entire contract of insurance.
hired or leased equipment.
a Scheduled Flight. No change to the terms and
18. Any condition which results from conditions of this Policy shall be
10. Any loss or expenses which is,
or is a complication of venereal valid unless approved in writing by
directly or indirectly, caused
disease. an authorized representative of the
by, a consequence of, arises in
Company and such approval shall
connection with or is contributed to 19. Any loss or expenses which arises
be endorsed hereon or attached
by the Insured Person undertaking in connection with or is contributed
hereto. No broker or agent has the
any Journey against the advice of by the Insured Person undertaking
authority to amend or to waive any
a Physician or for the purpose of any Journey against the travel
of the terms and conditions of this
seeking medical attention. advice of the Ministry of Foreign
Policy.
11. Any Pre-existing Conditions. Affairs of Singapore or the Ministry
of Health of Singapore, in relation 3. Conditions Precedent To
12. Any prohibition or breach of to actual or threatened Riot, Strike Liability
government regulation or any or Civil Commotion, war or warlike The liability of the Company for
failure by the Insured Person to situation, outbreak of disease any Benefit under this Policy is
take reasonable precautions to or unsafe health conditions, or conditional upon:
avoid a claim under this Policy impending natural disasters, to the
following the warning of any country or territory of the Insured (a) the truth of the statements and
intended Strike, Riot or Civil Persons Destination, unless the information as provided to
Commotion through or by general Journey had already commenced the Company by the Insured
mass media. prior to the issuance of the travel Persons; and
13. Any loss or expenses with advice. (b) the due observance and
respect to any applicable trade fulfillment of the terms and
and economic sanction, law or Part 4. General Conditions conditions of this Policy insofar
regulation or a Specially Designated as they relate to anything to be
List or which if reimbursed or paid 1 Payment Before Cover Warranty done or complied with by the
by the Company would result in the It is hereby agreed and declared Insured Persons.
4. Legal Action Any medical examination required right to recover against the Insured
No action shall be brought to by the Company to verify the claim Person the full sum which the
recover on this Policy prior to will be at the Companys expense. Company or Chubb Assistance or
the expiration of sixty (60) days an authorized representative of
The Company shall, in the event
after written proof of claim has Chubb Assistance is liable to the
of the death of an Insured Person,
been filed accordance with the Hospital into which the Insured
be entitled to have a post-mortem
provisions of this Policy. Person was admitted.
examination performed at its own
5. Misrepresentation expense where it is not prohibited 11. No Multiple Policies
by law.
This Policy shall be voidable in the The Insured Person can only be
event of any misrepresentation, Failure to notify the Company covered under one travel insurance
mis-description, non-disclosure or within the time limit prescribed policy underwritten by the
concealment of any circumstances shall not invalidate the claim if it Company for the same Journey.
by the Insured Persons which is can be shown, to the Companys
12. Compliance With Policy
material to or connected with: satisfaction, that it was not
Provisions
reasonably possible to give such
(a) the Insured Persons risk Failure to comply with any of
proof within the prescribed time
experience and claim history; the provisions contained in this
limit for an otherwise legitimate
(b) the Insured Persons insurance claim. Policy shall invalidate all claims
record, including previous hereunder.
refusals to grant insurance 8. Payment Of Claims
13. Other Insurances
coverage. Any Benefits payable under this
Policy shall be paid to the Insured Except as otherwise provided in
6. Fraud this Policy, if the Insured Person
Person or to the Insured Persons
If any claim under this Policy shall estate in the event of the Insured has or should have any other
be, in any respect, fraudulent or if Persons death, except under Part insurance providing cover for the
any fraudulent means or devices 5, Section 6 Medical Evacuation same loss, damage or liability, the
shall be used by any person to and Repatriation and Section 7 Company shall not be liable to
obtain a Benefit under this Policy, Repatriation of Mortal Remains. pay except for any excess beyond
the Company shall have no Any receipt by the Insured Person the amount which would have
liability in respect of such claim of any Benefit payable under this been payable under the Policy or
and the Company shall be entitled Policy shall in all cases be deemed Policies had this insurance not been
to terminate this Policy with final and complete discharge of all effected.
immediate effect. liability of the Company in respect 14. Notice Of Trust Or Assignment
of such Benefit. And Third Party Rights
7. Claims Procedure
On the happening of any 9. Termination For Non-Payment The Company shall not be bound
occurrence likely to give rise to a Of Premium or be affected by any notice of any
claim under this Policy, written This Policy shall deem to have been trust, charge, lien, assignment or
notice shall be given to the other dealing with or in relation to
void from the intended Effective
Companys Claims Department this Policy.
Date if the premium is not paid.
at 138 Market Street #11-01
A person who is not a party to this
CapitaGreen Singapore 048946, 10. Right Of Recovery
Policy contract shall have no right
as soon as possible and, in any In the event authorization of under the Contracts (Rights of
event, within thirty (30) days after payment and/or payment is Third Parties) Act 2001 to enforce
the date of the occurrence. The made by the Company or Chubb any of its terms.
Company will provide the Insured
Assistance or an authorized
Person with forms for filing proof of 15. Arbitration
representative of Chubb Assistance
claim.
for a medical claim whereby If any dispute or disagreement
Any documents or evidence policy liability is not engaged, the arises regarding any matter
required by the Company to verify Company or Chubb Assistance pertaining to or concerning this
the claim shall be provided by the or an authorized representative Policy, the dispute or disagreement
Insured Person at his own expense. of Chubb Assistance reserves the must be referred to arbitration in
accordance with the provisions 21. Cooling Off Period business partners and/or other
of the Arbitration Act (Cap. 10) The Insured Person has seven (7) parties which may be sited outside
and any statutory modification or days from the date the Company of Singapore, for administering
re-enactment thereof then in force, issues the Certificate of Insurance to policies taken out with the
such arbitration to be commenced decide if this insurance meets his/ Company, customer services and
within three (3) months from the to allow the Company and/or
her needs. The Insured Person may
day such parties are unable to settle its business partners to perform
cancel the Policy simply by advising
marketing and related activities,
the dispute or difference. If the the Company in writing within
until the Company receives the
Insured Person fails to commence those seven (7) days. If the Insured
Insured Persons written instruction
arbitration in accordance with this Person does this, the Company will
to the contrary. Upon the Insured
clause, it is agreed that any cause refund any premiums that have
Persons written request, the
of action and any right to make a been paid. This cooling off period
Company shall, without charge,
claim that the Insured Person have does not apply if the Insured Person
cease to use the Insured Persons
or may have against the Company has commenced the Journey or personal information for purposes
shall be extinguished completely. the Insured Person has made or is other than those directly
Where there is a dispute or entitled to make a claim prior to the related to this Policy. A copy of
disagreement, the issuance of a cancellation of the Policy. the Companys Personal Data
valid arbitration award shall also 22. Due Diligence Protection Policy can be found at
be a condition precedent to the The Insured Person will exercise due www.chubb.com/sg-privacy and the
Companys liability under this Insured Person is deemed to have
diligence and precaution in doing
Policy. In no case shall the Insured read the same.
all things to avoid or reduce any loss
Person seek to recover under this under this Policy. The Insured Person will write to
Policy before the expiration of the Companys Data Protection
23. Policy Owners Protection
sixty (60) days after written proof Officer at 138 Market Street #11-01
Scheme
of claim has been submitted to the CapitaGreen Singapore 048946
Company in accordance with the This Policy is protected under for any request to withdraw his/
provisions of this Policy. the Policy Owners Protection her consent, access to and/or
Scheme which is administered by correction of any information
16. Governing Law the Singapore Deposit Insurance supplied to the Company and the
This Policy shall be governed by Corporation (SDIC). Coverage for Company may reserve the right to
and interpreted in accordance with this Policy is automatic and no charge a reasonable fee to offset the
further action is required from administrative costs in complying
Singapore law.
the Insured Person. For more with access requests.
17. Interest information on the types of benefits
that are covered under the scheme Part 5. Benefits
No amounts payable by the Company
as well as the limits of coverage,
under this Policy shall carry interest.
where applicable, please contact The benefits payable under the
18. Currency the Company or visit the respective Sections in this Part 5
GIA / LIA or SDIC websites as mentioned below are mutually
Premiums and benefits payable exclusive:
(www.gia.org.sg or www.lia.org.sg
under this Policy shall be in
or www.sdic.org.sg). (i) Sections 15 and 16
Singapore dollars.
24. Personal Data Protection Section 1 Personal Accident
19. Clerical Error Consent
If, during the Period of Insurance, whilst
A clerical error by the Company The Insured Person is deemed to the Insured Person is on a Journey, the
shall not invalidate insurance give consent and authorisation Insured Person sustains Bodily Injury
otherwise validly in force, nor to the Company to collect, use, which results in death and/or Permanent
continue insurance otherwise not disclose, and/or process his/ Disablement within one hundred and
validly in force. her personal data or information eighty (180) days after the date of the
supplied to the Company without Accident, the Company will pay up to
20. Gender further notification to the Insured the relevant Benefit amount specified
A masculine personal pronoun as Person, confidentially with the in the Table of Benefits read with the
used herein includes the feminine, Companys affiliated companies, Certificate of Insurance subject to the
wherever the context requires. third party service providers, terms and conditions of this Policy.
Table Of Benefits will indemnify the Insured Person in Section 3 Follow-Up Treatment In
respect of such expenses up to the Singapore
Compensation relevant Benefit amount specified in the (Applicable To Return Journey Only)
Payable % of Certificate of Insurance subject to the
maximum If, during the Period of Insurance,
sum insured terms and conditions of this Policy.
whilst the Insured Person is on a
specified in ADDITIONAL CONDITIONS Journey, the Insured Person sustains
the Benefit
Bodily Injury or Sickness, which
Loss Events Schedule (a) Where an Insured Person has been
result in a valid claim under Section
Accidental Death 100% treated by a Chinese Physician, the
2 Medical Expenses due to Accident
liability of the Company in respect
Permanent Total and Sickness, and necessarily incurs
100% of Traditional Chinese Medicine
Disablement Medical Expenses in Singapore within
Expenses incurred shall not exceed
Total and Permanent Singapore Dollars Seven Hundred thirty-one (31) days after the end of the
Loss of Speech and and Fifty (S$750.00). Journey, the Company will reimburse
Hearing 100% the Insured Person in respect of such
(b) For the avoidance of doubt, in expenses up to a maximum of the
Loss of sight in both
100% the event the Insured Person relevant Benefit Amount specified in the
eyes
becomes entitled to a refund of Certificate of Insurance subject to the
Loss of two Limbs 100% or reimbursement of all or part terms and conditions of this Policy.
Loss of one Limb 50% of such expenses from any other
Loss of sight in one source, or if there is in place any ADDITIONAL CONDITIONS
50% other insurance against the events (a) Where an Insured Person had been
eye
covered under this Section, the treated by a Chinese Physician, the
Total and Permanent
Loss of Lens of one 50% Company will only be liable for the liability of the Company in respect
Eye excess of the amount recoverable of Traditional Chinese Medicine
from such other source or Expenses incurred shall not exceed
Total and Permanent
50% insurance. Singapore Dollars Seven Hundred
Loss of Speech
ADDITIONAL EXCLUSIONS and Fifty (S$750.00).
Total and Permanent
Loss of Hearing in 50% In addition to the General Exclusions, (b) For the avoidance of doubt, in
i) both Ears 15% this Policy does not cover, and the the event the Insured Person
ii) one Ear Company will not in any event be becomes entitled to a refund of
liable in respect of any claim under this or reimbursement of all or part
The occurrence of any specific loss Medical Expenses due to Accident and of such expenses from any other
for which indemnity is payable under Sickness section which is directly or source, or if there is in place any
this Section shall at once terminate all indirectly, caused by, a consequence of, other insurance against the events
insurance under the Policy, but such arises in connection with or contributed covered under this Section, the
termination shall be without prejudice to by any of the following: Company will only be liable for the
to any other claim originating from the 1. Any expenses relating to any excess of the amount recoverable
Accident causing such loss. treatment for Bodily Injury or from such other source or
No indemnity will be paid under any Sickness where such treatment insurance.
circumstances for more than one of the was first sought more than sixty ADDITIONAL EXCLUSIONS
losses, the greatest for which provision (60) days from the time the
In addition to the General Exclusions,
is made in this Section. Bodily Injury or Sickness was first
this Policy does not cover, and the
sustained.
No payment will be made for any loss Company will not in any event be
caused by or resulting from Sickness. 2. Any expenses incurred for liable in respect of any claim under
prostheses, contact lenses, this Follow-up Treatment in Singapore
Section 2 Medical Expenses Due To spectacles, hearing aids, dentures section which is directly or indirectly,
Accident And Sickness or medical equipment unless caused by, a consequence of, arises in
(Applicable To Return Journey Only) prescribed by a Physician for connection with or contributed to by
If, during the Period of Insurance, the treatment of Bodily Injury or any of the following:
Sickness.
whilst the Insured Person is on a 1. Any expenses relating to any
Journey, the Insured Person incurs 3. Any expenses relating to any treatment for Bodily Injury or
Medical Expenses as a direct result of treatment not prescribed by a Sickness where such treatment
Bodily Injury or Sickness, the Company Physician or a Chinese Physician. was first sought more than sixty
(60) days from the time the the time the Bodily Injury was first 2. Any expenses relating to
Bodily Injury or Sickness was first sustained. Confinement for any surgery or
sustained. medical treatment, which in the
2. Any expenses relating to any
treatment not prescribed by a opinion of a Physician, could
2. Any expenses incurred for
Dentist reasonably have been delayed until
prostheses, contact lenses,
the return of the Insured Person to
spectacles, hearing aids, dentures
Section 5 Daily Hospital In-Patient Singapore.
or medical equipment unless
Income
prescribed by a Physician for Section 6 Medical Evacuation And
(Applicable To Return Journey Only)
the treatment of Bodily Injury or Repatriation
Sickness. If, during the Period of Insurance,
whilst the Insured Person is on
3. Any expenses relating to any a Journey, the Insured Person is If, during the Period of Insurance, whilst
treatment not prescribed by a necessarily Confined in a Hospital the Insured Person is on a Journey, as
Physician or a Chinese Physician. overseas as a result of Bodily Injury a result of an Insured Person being in
or Sickness, the Company will pay the a Critical Medical Condition and in
Section 4 Emergency Dental Insured Person the relevant Benefit the opinion of Chubb Assistance, or
Expenses Due To Accident amount as specified in the Certificate an authorized representative of Chubb
(Applicable To Return Journey Only) of Insurance subject to the terms and Assistance, it is judged medically
If, during the Period of Insurance, conditions of this Policy. appropriate to move the Insured
whilst the insured Person is on a The daily benefit amount shall be paid Person to another location for medical
Journey, the Insured Person incurs for each Day of Confinement from treatment, or to return the Insured
Dental Expenses a direct result of the first Day of Confinement and up Person to Singapore, Chubb Assistance
Bodily Injury, the Company will to a maximum of the relevant Benefit or its authorized representative, shall
indemnify the Insured Person in Amount specified in the Certificate arrange for the evacuation utilizing
respect of such expenses up to the of Insurance, and for this purpose, the means best suited to do so based
relevant Benefit amount specified in the every Day of Confinement as a result on the medical severity of the Insured
Certificate of Insurance subject to the of the same event, (Bodily Injury or Persons condition. The Company shall
terms and conditions of this Policy. Sickness) shall be counted towards the pay directly to Chubb Assistance the
total number of Days of Confinement, Covered Expenses for such evacuation,
ADDITIONAL CONDITIONS notwithstanding that such Days do not up to the relevant Benefit amount
For the avoidance of doubt, in the event run consecutively. Provided further that specified in the Certificate of Insurance,
the Insured Person becomes entitled to a this benefit shall be payable only if the subject to the terms and conditions of
refund of or reimbursement of all or part following conditions are met: this Policy.
of such expenses from any other source,
(i) Confinement must occur within In the event the Insured Person cannot
or if there is in place any other insurance
thirty (30) days of the Accident for reasons beyond his control notify
against the events covered under this causing the relevant Bodily Injury
Section, the Company will only be liable Chubb Assistance, and nevertheless
or Sickness.
for the excess of the amount recoverable makes arrangements for his own
from such other source or insurance. (ii) Confinement must be considered evacuation, the Company shall, if
medically necessary by a Physician satisfied that the arrangements were
ADDITIONAL EXCLUSIONS in his professional capacity. medically appropriate in view of the
In addition to the General Exclusions, ADDITIONAL EXCLUSIONS Insured Persons Critical Medical
this Policy does not cover, and the In addition to the General Exclusions, Condition at that time, indemnify
Company will not in any event be this Policy does not cover, and the the Insured Person in respect of the
liable in respect of any claim under Company will not in any event be expenses incurred, up to an amount
this Emergency Dental Expenses Due liable in respect of any claim under which would have been payable to
to Accident section which is directly or this Daily Hospital In-Patient Income Chubb Assistance for services provided
indirectly, caused by, a consequence of, section which is directly or indirectly, under the same circumstances, subject
arises in connection with or contributed caused by, a consequence of, arises in to the terms and conditions of this
to by any of the following: connection with or contributed to by Policy.
1. Any expenses relating to any any of the following: The means of evacuation arranged by
treatment for Bodily Injury where 1. Any expenses relating to any Chubb Assistance, or its authorized
such treatment was first sought treatment or aid obtained in representative, may include air
more than sixty (60) days from Singapore. ambulance, surface ambulance, regular
air transportation, railroad or any the treatment can be reasonably 1. Any expenses incurred for services
other appropriate means. All decisions delayed until the Insured Person provided by another party for which
as to the means of transportation and return to Singapore. the Insured Person is not liable
the final destination will be made by to pay, or any expenses already
Chubb Assistance, or its authorized Section 7 Repatriation Of Mortal included in the cost of the Journey.
representative, and will be based solely Remains
(Applicable To Return Journey Only) 2. Any expenses incurred for the
upon medical necessity.
transportation of the Insured
If, during the Period of Insurance, Persons remains not approved and
ADDITIONAL DEFINITIONS
whilst the Insured Person is on a arranged by Chubb Assistance or
Critical Medical Condition means Journey, the Insured Person dies as a
a medical condition suffered by the its authorized representative.
result of a Critical Medical Condition (as
Insured Person as a result of Bodily Section 8 Compassionate
defined in Section 6), Chubb Assistance,
Injury or Sickness, which is determined Allowance
or its authorized representative shall
to be life-threatening by a Physician (Applicable To Return Journey Only)
make the necessary arrangements
designated by Chubb Assistance at the
for the return of the Insured Persons If, during the Period of Insurance,
Physicians absolute discretion.
mortal remains to Singapore. The whilst the Insured Person is on a
Covered Expenses means expenses for Company shall pay directly to Chubb Journey, the Insured Person sustains
services provided and/or arranged by Assistance the Covered Expenses for Bodily Injury which results in
Chubb Assistance for the transportation, such repatriation up to the relevant Accidental Death under Section 1
medical services and medical supplies Benefit amount specified in the Personal Accident and no adult Family
necessarily incurred as a result of a Certificate of Insurance, subject to the Member is with him, the Company
Medical Evacuation and Repatriation of terms and conditions of this Policy. will indemnify the Insured Persons
an Insured Person as described herein.
In addition to the transportation of the estate for the hotel accommodation
ADDITIONAL EXCLUSIONS remains, the Company shall reimburse and travel (economy return air travel)
to the Insured Persons estate expenses expenses necessarily incurred for one
In addition to the General Exclusions,
actually incurred for services and (1) relative or friend to assist in the final
this Policy does not cover, and the
supplies by a mortician or undertaker, arrangements of the Insured Persons
Company will not in any event be
including but not limited to the cost death, up to the relevant Benefit
liable in respect of any claim under this
of a casket, and the embalming and amount specified in the Certificate of
Medical Evacuation and Repatriation
cremation if so elected, to a maximum Insurance subject to the terms and
section which is directly or indirectly,
of the relevant Benefit Amount specified conditions of this Policy.
caused by, a consequence of, arises in
connection with or contributed to by in the Certificate of Insurance subject to Section 9 Loss Of Luggage And
any of the following: the terms and conditions of this Policy. Personal Effects
1. Any expenses incurred for services ADDITIONAL DEFINITIONS If, during the Period of Insurance,
provided by another party for Covered Expenses means expenses whilst the Insured Person is on a
which the Insured Person is not for services provided and/or Journey, the Insured Person sustains
liable to pay, or any expenses arranged by Chubb Assistance for the loss of or damage to his Luggage
already included in the cost of a and Personal Effects, the Company
transportation, medical services and
scheduled trip. will indemnify the Insured Person in
medical supplies necessarily incurred
as a result of the repatriation of the respect of such loss up to the relevant
2. Any expenses for a service not
Insured Persons mortal remains. Benefit amount stated in the Certificate
approved and arranged by Chubb
of Insurance subject to the terms and
Assistance or its authorized
ADDITIONAL EXCLUSIONS conditions of this Policy.
representative, except as
mentioned in paragraph two (2) of In addition to the General Exclusions,
ADDITIONAL CONDITIONS
this Section. this Policy does not cover, and the
(a) The Company will not pay more
Company will not in any event be
3. Any treatment performed or than Singapore Dollars five hundred
liable in respect of any claim under
ordered by a person who is not a (S$500) for any one article or a pair
this Repatriation of Mortal Remains
Physician or a set of articles.
section which is directly or indirectly,
4. Any expenses incurred if the caused by, a consequence of, arises in (b) The loss or damage of each article
Insured Person is not suffering from connection with or contributed to by must be accompanied by proof of
a Critical Medical Condition or if any of the following: purchase such as but not limited to
receipts, bank statements or credit deterioration, moths, vermin, authority having jurisdiction where
card statements. If no proof of inherent vice or damage sustained the loss or damage occurred within
purchase is provided, the Company due to any process or while actually twenty-four (24) hours of the
may decline the claim or accept it being worked upon or resulting discovery of such loss or damage;
at a reduced value. The Company therefrom;
8. loss or damage of property whilst
may make payment subject to due
2. loss or damage of baggage caused by in the custody of an airline or
allowance of wear and tear and
mechanical or electrical breakdown other carrier, unless reported
depreciation or at the Companys
or derangement or damage immediately on discovery and, in
option replace or repair such
sustained due to any process the case of an airline, a Property
articles.
initiated by an Insured Person to Irregularity Report is obtained;
(c) The loss or damage must be reported repair, clean or alter any baggage;
9. loss or damage to property insured
to the police or relevant authority
3. loss or damage of baggage under any other insurance policy,
having jurisdiction where the loss
resulting directly or directly from or otherwise reimbursed by a
or damage occurred within twenty-
insurrection, rebellion, revolution, common carrier or a hotel.
four (24) hours from the incident.
civil war, usurped power, or
Any claims for indemnity under this
action taken by governmental PROPERTY NOT COVERED
Section must be accompanied by a
authorities in hindering, combating The Company will not pay for damage
copy of a police report or a report
or defending against such an to or loss of:
issued by the relevant authority
occurrence, seizure or destruction
evidencing such loss. (i) animals;
under quarantine or customs
(d) For the avoidance of doubt, in regulations, confiscation by order (ii) motor vehicles, aircraft, and other
the event the Insured Person of any government or public conveyances or equipment or parts
becomes entitled to a refund or authority or risk of contraband or pertaining to such conveyances;
reimbursement of all or part of such illegal transportation or trade;
(iii) artificial limbs, false teeth, any type
expenses from any other source,
4. loss or damage of property from of eyeglasses, contact lenses or
or if there is in place any other
confiscation or retention by corneal lenses;
insurance against the events covered
customs or other officials;
under this section, the Company will (iv) tickets, except for administrative
only be liable for the excess of the 5. loss or damage of property as a result fees required to reissue tickets;
amount recoverable from such other of the Insured Persons failure to
(v) coupons, negotiable instruments,
source or insurance. take due and reasonable care and
title deeds, manuscripts, money,
ADDITIONAL DEFINITIONS precautions to safe-guard and secure
stamps, stocks and bonds, postal
such property;
Luggage and Personal Effects means or money orders, securities of any
personal goods belonging to the Insured 6. loss or damage of property that is kind;
Person, which are taken by him on the included in an Insured Persons
(vi) property shipped as freight, or
Journey or acquired by him during the checked baggage that the relevant
shipped prior to the scheduled
Journey. Scheduled Flight operator has
departure date;
Portable Computer means laptop and indicated should not be included
handheld computers. in checked baggage, as stated in (vii) cards, including but not limited to
the Scheduled Flights operators credit cards;
ADDITIONAL EXCLUSIONS Conditions of Carriage including
(viii) contraband;
In addition to the General Exclusions, but not limited to, fragile, delicate
this Policy does not cover, and the or perishable items, computers, (ix) business goods or samples/
Company will not in any event be liable items of special value, such as prototypes or equipment of any
in respect of any claim under this money, jewellery, precious metals, kind or any products/components
Loss of Luggage and Personal Effects silverware, valuable documents, meant for trade;
section which is directly or indirectly, passports and other travel
(x) hired or leased equipment;
caused by, a consequence of, arises in documents, personal electronic
connection with or contributed to by equipment, including compact (xi) foodstuff;
any of the following: discs;
(xii) computers (including software and
1. loss or damage of baggage 7. loss or damage not reported accessories) other than Portable
caused by wear and tear, gradual to either the police or relevant Computers;
Section 10 Loss Of Travel this Policy does not cover, and the grounding of the Scheduled Flight as
Documents Company will not in any event be liable a result of mechanical or structural
If, during the Period of Insurance, in respect of any claim under Loss defect or any event leading to airspace
whilst the Insured Person is on a of Travel Documents section which restriction or airport closure, the
Journey, the Insured Person sustains is directly or indirectly, caused by, a Company will pay the Insured Person
loss of Travel Documents due to consequence of, arises in connection the relevant Benefit amount specified
theft or by force, violence, or threat of with or contributed to by any of the in the Certificate of Insurance for every
violence, the Company will indemnify following: full six (6) consecutive hours of delay
the Insured Person in respect of (the delay being calculated from the
(a) loss due to confiscation or
such loss up to the relevant Benefit departure time of the Scheduled Flight
detention by customs or any other
specified in the original itinerary and
amount as specified in the Certificate authority;
the departure time of the earliest next
of Insurance subject to the terms and
(b) loss not reported to either the available Scheduled Flight as verified
conditions of this Policy.
police or relevant authority having in writing by the operator of the
In the event the Insured Person sustains jurisdiction where the loss occurred Scheduled Flight), up to the maximum
loss of Money together with the loss of within twenty-four (24) hours of the Benefit amount specified in the
Travel Documents due the theft or by discovery of such loss; Certificate of Insurance.
force, violence, or threat of violence,
(c) loss or damage of Travel Documents The delay must be verified in writing
the Company will indemnify the
and/or Money as a result of the by the operator of the Scheduled Flight
Insured Person in respect of the loss of
Insured Persons failure to take due or their handling agent(s) as well as
Money up to Singapore Dollars Three
and reasonable care and precautions the number of hours delayed and the
Hundred (S$300).
to safe-guard and secure the Travel reason for the delay.
ADDITIONAL CONDITIONS Documents and/or Money.
ADDITIONAL EXCLUSIONS
(a) The loss must be reported to
Section 11 Checked-In Luggage In addition to the General Exclusions,
the police or relevant authority
Delay this Policy does not cover, and the
having jurisdiction where the loss
If, during the Period of Insurance, Company will not in any event be
occurred, within twenty-four (24)
whilst the Insured Person is on a liable in respect of any claim under this
hours after the incident. Any claim Travel Delay section which is directly or
Journey, the Insured Persons luggage
must be accompanied by a copy of indirectly, caused by, a consequence of,
that is accompanied and checked in on
a police report or a report issued by arises in connection with or contributed
the Scheduled Flight is not delivered to
the relevant authority evidencing to by any of the following:
him within six (6) hours of the Insured
such loss.
Persons arrival at the scheduled 1. failure of the Insured Person to
(b) For the avoidance of doubt, in destination overseas and in Singapore, check in according to the itinerary
the event the Insured Person the Company will pay to the Insured supplied to him;
becomes entitled to a refund or Person the relevant Benefit amount
2. Strike or industrial action existing
reimbursement of all or part of specified in the Certificate of Insurance
on the date the Insured Person
such expenses from any other for every full six (6) consecutive hours
applied for cover under this Policy;
source, or if there is in place any of delay, up to the maximum Benefit
other insurance against the events amount specified in the Certificate of 3. late arrival of the Insured Person
covered under this Section, the Insurance, subject to the terms and at the airport or port after check-in
Company will only be liable for the conditions of this Policy. or boarding time (except if the late
excess of the amount recoverable arrival is due to Strike or industrial
Section 12 Travel Delay action).
from such other source or
insurance. If, during the Period of Insurance,
whilst the Insured Person is on a Section 13 Travel Misconnection
ADDITIONAL DEFINITIONS
Journey, the departure of the Scheduled If, during the Period of Insurance,
Travel Documents means passport, Flight is delayed for at least six (6) whilst the Insured Person is on a
visas, travel tickets or driving license. consecutive hours at any single location Journey, the Insured Persons confirmed
Money means coins, bank notes, postal in the itinerary supplied to the Insured any event leading to airspace restriction
money orders or travelers cheque. Person, due to Strike or industrial or airport closure or onward travel
action, adverse weather conditions or connection overseas is missed at the
ADDITIONAL EXCLUSIONS mechanical breakdown/derangement transfer point due to any event leading
In addition to the General Exclusions, of the Scheduled Flight or due to to airspace restriction or airport
closure or due to the late arrival of the Section 15 Flight Cancellation days before the scheduled departure
Insured Persons incoming confirmed If an Insured Person is forced to cancel date, for paragraph (v), the event
connecting Scheduled Flight and no his Scheduled Flight prior to the occurs within seven (7) days before the
onward transportation is available commencement of that Journey during Scheduled Flight and for paragraph (vi)
to the Insured Person within six (6) the Period of Insurance as the direct and the event occurs within seven (7) days
consecutive hours on his actual arrival necessary result of any of the Specified before the Scheduled Flight and must
time, the Company will pay to the Cause, the Company will indemnify the be accompanied with travel advice from
Insured Person the relevant Benefit relevant authority(s).
Insured Person in respect of the cost of
amount specified in the Certificate
the flight which have not been or will ADDITIONAL EXCLUSIONS
of Insurance for every full six (6)
not be used, but which become forfeit In addition to the General Exclusions,
consecutive hours of misconnection
or payable under contract, provided this Policy does not cover, and the
(the misconnection being calculated
always that this coverage is effective only Company will not in any event be liable
from the actual arrival to the actual
if this Policy is purchased before the in respect of any claim under this Flight
departure of the Insured Person).
Insured Person becomes aware of any Cancellation section which is directly or
The travel misconnection details must circumstances which could lead to the indirectly, caused by, a consequence of,
be verified in writing by the operator of disruption of his Journey. arises in connection with or contributed
the Scheduled Flight or their handling
ADDITIONAL DEFINITIONS to by any of the following:
agent(s) as well as the reason for the
travel misconnection, the scheduled Specified Cause means 1. changes in plans by the Insured
and actual time of arrival and the Person or a Family Member for any
(i) the Insured Person dying or
scheduled and actual departure time of reason;
becoming ill or sustaining Bodily
the next available flight arrange by the
Injury rendering the Insured Person 2. financial circumstances of the
operator of the Scheduled Flight.
unfit to travel in the opinion of a Insured Person or a Family
Section 14 Hijack Physician; Member;
(Applicable To Return Journey Only) (ii) the death, of the Insured Persons 3. any business or contractual
If, during the Period of Insurance, Family Member or Bodily Injury obligations of the Insured Person or
whilst the Insured Person is on a or Sickness of such person a Family Member;
Journey, the Insured Person is a victim necessitating him to be Confined to
4. Financial Default by the person,
of a hijack of a Public Conveyance or a Hospital;
agency or tour operator, or the
motor vehicle on which the Insured
(iii) compulsory quarantine, jury operator of the Schedule Flight with
Person is traveling, the Company will
service, subpoena or hijack of the whom the Insured Person made his
pay to the Insured Person the relevant
Insured Person; travel arrangements;
Benefit amount specified in the
Certificate of Insurance, for each six (6) (iv) cancellation of scheduled Public 5. any loss that is covered by any
hours period that the Hijack continues, Conveyance services consequent other existing insurance scheme,
up to the maximum Benefit amount upon Strike, Riot or Civil government program or which
specified in the Certificate of Insurance Commotion; will be paid or refunded by a
subject to the terms and conditions of hotel, carrier or travel agent or
(v) the Insured Persons residence
this Policy. any other provider of travel and/or
becoming uninhabitable following
accommodation;
ADDITIONAL CONDITIONS fire, storm, or flood occurring such
Any claims under this Hijack section that the Insured Persons presence 6. loss or expense incurred as
must be accompanied by a police is required on the premises on the the result of Bodily Injury or
report or a report issued by the carrier scheduled departure date; Sickness of an Insured Person or
confirming that the Insured Person was Family Member which manifests
(vi) due to natural disasters (such as
a victim of Hijack and the duration of itself during the sixty (60) days
typhoon, earthquake, hurricane or
such Hijack. immediately preceding and
tsunami) which prevent the Insured
including the Effective Date. A
ADDITIONAL DEFINITIONS Person from continuing with the
Sickness has manifested itself when:
Journey.
Hijack means any seizure or exercise
(a) medical care or treatment has
of control by force or violence or threat Whereby, in the context of cancellation
been given; or
of force or violence and with wrongful or postponement of a Journey, for
intent of a Public Conveyance or motor paragraphs (i) to (iv), the events (b) there exists symptoms which
vehicle. mentioned occur within thirty (30) would cause a reasonably
prudent person to seek 6. loss or expense incurred as ADDITIONAL EXCLUSIONS

diagnostic care or treatment. the result of Bodily Injury or In addition to the General Exclusions,
Sickness of an Insured Person or this Policy does not cover, and the
Section 16 Flight Curtailment
Family Member which manifests Company will not in any event be
(Applicable To Return Journey Only) itself during the sixty (60) days liable in respect of any claim under
If, during the Period of Insurance, immediately preceding and this Personal Liability section which
an Insured Person is forced to curtail including the Effective Date. A is directly or indirectly, caused by, a
or alter the itinerary of any part of a Sickness has manifested itself consequence of, arises in connection
Scheduled Flight during the course when: with or contributed to by any of
of that Journey, as the direct and the following:
(a) medical care or treatment has
necessary result of any of the Specified 1. Harm and Property Damage to the
been given; or
Cause (as defined in Section 15), the property of or to any person who
Company will indemnify the Insured (b) there exist symptoms which is the Insured Persons relative or
Person in respect of the cost of the would cause a reasonably employee or deemed by law to be
flight which have not been or will not prudent person to seek his employee.
be used, but which becomes forfeit diagnostic care or treatment.
or payable under contract or the 2. Property Damage to property
additional administrative expenses Section 17 Personal Liability which belongs to the Insured
incurred where it is possible to amend Person or is in his custody or
the Scheduled Flight, subject to the control.
If, during the Period of Insurance,
terms and conditions of this Policy. 3. Damages relating to any liability
whilst the Insured Person is on a
ADDITIONAL EXCLUSIONS assumed under contract.
Journey, the Insured Person incurs legal
In addition to the General Exclusions, liability to a third party, the Company 4. Damages relating to the willful,
this Policy does not cover, and the will indemnify the Insured Person in malicious or unlawful act or
Company will not in any event be liable respect of each occurrence or a series omission on the part of the Insured
in respect of any claim under this Flight of occurrences giving rise to such Person.
Curtailment section which is directly or liability arising directly or indirectly 5. The ownership, possession or
indirectly, caused by, a consequence of, from one (1) source or original cause, use of vehicles, aircraft, firearms
arises in connection with or contributed up to the Benefit amount as specified in or animals, or arising from the
to by any of the following: the Certificate of Insurance subject to negligent supervision and vicarious
1. changes in plans by the Insured the terms and conditions of this Policy liability for the acts of a minor in
Person or a Family Member for any as a result of: connection with the above.
reason; (i) Death or injury to any person; and 6. Past or present business, trade or
2. financial circumstances of the (ii) Accidental Property Damage to professional activities, including
Insured Person or a Family the rendering of or failure to render
property of that person.
Member; business, trade or professional
ADDITIONAL CONDITIONS services.
3. any business or contractual
For the avoidance of doubt, in the event
obligations of the Insured Person or 7. Any criminal proceedings taken
the Insured Person becomes entitled
a Family Member; against the Insured Person whether
to a refund or reimbursement of all or
he is actually convicted or not.
4. Financial Default by the person, part of such expenses from any other
agency or tour operator, or the source, or if there is in place any other 8. The transmission of communicable
operator of the Scheduled Flight insurance against the events covered disease by an Insured Person.
with whom the Insured Person under this Section, the Company will 9. The possession or use of any
made his travel arrangements;
only be liable for the excess of the controlled substance/drugs unless
5. any loss that is covered by any amount recoverable from such other prescribed by a Physician.
other existing insurance scheme, source or insurance.
10. Sexual molestation, corporal
government program or which will
ADDITIONAL DEFINITIONS punishment, physical or mental
be paid or refunded by a hotel,
abuse.
carrier or travel agent or any Property Damage means any physical
other provider of travel and/or damage to, destruction of, or loss of use 11. Pollution which includes the
accommodation; of tangible property. alleged or potential introduction
of substance which makes the Chubb Assistance will provide Person lose his credit card while
environment impure or harmful. information concerning exchange traveling outside Singapore.
rates of major currencies against
Section 18 Terrorism Extension the Singapore dollar. Section C Medical Assistance:
In the event of a claim arising directly 1. Telephone Medical Advice
from any Act of Terrorism, this Policy Section B Travel Assistance:
Chubb Assistance will arrange for
is extended to cover the Insured Person 1. Embassy Referral the provision of medical advice
whilst on a Journey under Section 1 to 17
Chubb Assistance will provide the to the Insured Persons over the
(except Section 15 Flight Cancellation)
address, telephone number and telephone.
up to the maximum Benefit Amount
hours of opening of the nearest
specified in the Certificate of Insurance 2. Medical Service Provider
appropriate consulate and embassy
for the said sections. The terms, Referral
worldwide.
conditions and exclusions of this Policy
Chubb Assistance will provide the
shall apply. 2. Legal Firm Referral Insured Persons with information
Chubb Assistance will provide the about physicians, hospitals,
Part 6.Chubb Assistance address, telephone number and clinics, dentists and dental clinics
Scope Of Services hours of opening of the nearest worldwide.
(Tel. No. +65 6836 2922) appropriate legal firm.
Section D Medical Arrangements:
The services provided under Sections 3. Lost Luggage Assistance
1. Arrangement of Hospital
A to C of this Part 6 are by way of Chubb Assistance will assist the Admission
referral and arrangement only, and all Insured Person who has lost the
expenses actually incurred are to be Chubb Assistance will assist the
luggage while traveling outside
borne by the Insured Persons. Where Insured Person with hospital
Singapore by contacting the
expenses are incurred in relation to the admission if the medical condition
appropriate authorities involved
services under Section D, these will be of the Insured Person is of such
and providing directions for
borne by the Company. The services gravity as to require hospitalization.
recovery.
under Section E are provided upon the
2. Monitoring of Medical Condition
specified terms and conditions. 4. Lost Passport Assistance
during Hospitalization
These services are available only when Chubb Assistance will assist the
the Insured Persons are on a Journey. Chubb Assistance will monitor the
Insured Person who has lost a
Insured Persons medical condition
passport while traveling outside
Section A Pre-Trip Assistance: during hospitalization.
Singapore by contacting the
1. Visa Information Services appropriate authorities involved Section E Medical Emergencies:
Chubb Assistance will provide and providing directions for
recovery. 1. Arrangement of Hotel
information concerning visa
Accommodation Expenses
requirements for foreign countries
5. Interpreter Referral Refer to Section 8 of Part 5.
worldwide.
Chubb Assistance will assist the
2. Inoculation Information Insured Person by providing the 2. Arrangement of Emergency
Services address, telephone number and Medical Evacuation
Chubb Assistance will provide hours of operating of interpreters Refer to Section 6 of Part 5.
information concerning inoculation worldwide.
3. Arrangement of Repatriation of
requirements for foreign countries
6. Emergency Reservation for Mortal Remains
worldwide.
Airline and Hotel Refer to Section 7 of Part 5.
3. Weather Forecast Information Chubb Assistance will assist the
Services Insured Person in an emergency
Chubb Assistance will provide with travel and accommodation
information concerning weather booking and ticketing while
and temperatures for foreign traveling outside Singapore.
countries worldwide.
7. Lost Reporting Assistance
4. Foreign Exchange Rate Chubb Assistance will provide the
Information Services relevant advice should the Insured Scoot_v2/0816
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18
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19
About Chubb in Singapore Contact Us
Chubb is the worlds largest publicly Chubb Insurance Singapore Limited

traded property and casualty insurer. Co Regn. No.: 199702449H
Chubb Insurance Singapore Limited, 138 Market Street
via acquisitions by its predecessor #11-01 CapitaGreen
companies, has been present in Singapore 048946
Singapore since 1948. Chubb in O +65 6299 0988
Singapore provides risk management F +65 6298 1055
and underwriting expertise for all major www.chubb.com/sg
classes of general insurance, including
Property & Casualty, Marine, Liability,
Financial Lines and Group Personal
Accident insurance. As one of the
leading providers of Accident & Health
insurance through direct marketing,
the company partners with financial
institutions and other companies to
tailor individual policies for their clients
and employees. In addition, it offers a
suite of customised Personal & Specialty
insurance solutions to meet the needs
of consumers.
Over the years, Chubb in Singapore has

established strong client relationships
by offering responsive service,
developing innovative products and
providing market leadership built on
financial strength.
More information can be found at

www.chubb.com/sg
Chubb. Insured.
TM
2016 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages
2016 Chubb. Coverages underwritten by one oravailable in all companies.
more subsidiary jurisdictions.
Not allChubb and
coverages its respective
available logos,
in all jurisdictions. and Chubb.
protected
Chubb Insured.
and its respective are
logos,
TM
20 and Chubb. Insured.TM are protected trademarkstrademarks
of Chubb. Published 09/2016.
of Chubb. Published 09/2016.

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Scoot Protect Travel Insurance

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prudent person to seek 6. loss or expense incurred as ADDITIONAL EXCLUSIONS

About Chubb in Singapore Contact Us

Chubb is the worlds largest publicly Chubb Insurance Singapore Limited

Over the years, Chubb in Singapore has

More information can be found at

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