Travel Insurance Frequently Asked Questions
The below FAQs should be read and construed in light of, and subject to, all terms, conditions and exclusions contained in the Policy Wording.
Relating to the Types of Plan and Eligibility
Choose the plan based on your furthest destination. E.g. if you are travelling to Hong Kong and the United States of America, you will have to purchase the Worldwide plan. If you are travelling to Bangkok and Hong Kong, you will have to purchase the Asia Pacific plan.
No, you and your friend can buy the “Couple” plan for a “Single Trip”. However, for Annual Multi-Trip plan, you will each have to buy a separate policy.
No, you have to activate the travel insurance cover before your departure from Singapore.
Yes, you can purchase a one-way plan. However, you will be charged a premium equivalent to a 4-day trip, and the cover will cease once you arrive at your new country of residence or employment.
No, the “Family” cover only extends to you, your spouse and/or child/children travelling together. You will have to purchase two “Individual” plans or a “Couple” plan for your parents.
Yes, but the premiums will be based on the last person’s return date and your own coverage will end as soon as you reach your residence in Singapore.
For the “Individual” Plan: the Insured Person and/ or his Spouse must be a Singapore Resident and aged between eighteen (18) years and eighty (80) years on the commencement date of the Period of Insurance.
For the “Family” Plan: This constitutes the Insured and/or Spouse and child/children. Legal child/children including stepchild/children and/or legally adopted child/children who is/are Singapore resident/s, at least 45 days of age and below 18 years (or 23 years if studying full time in a recognised tertiary institution) on the effective date of the insurance cover, whilst wholly dependent on the Insured or Insured’s spouse for financial support and not gainfully employed in any way and must be unmarried.
Relating to Medical cover
A medical examination is not required, however, do note that any pre-existing medical conditions are not covered.
A “pre-existing condition” means any medical condition from which the Insured suffered, or was or should have been aware that he was suffering from, within a 12 months period before the effective date of the policy.
No, Chubb does not have this option.
“Usual overseas medical charges” means charges for treatment, supplies or medical services medically necessary to treat the Insured Person’s condition, does not exceed the usual level of charges for similar treatment, supplies or medical services in the locality where the expense is incurred and does not include charges that would not have been made if no insurance existed.
Yes, you are covered. Please refer to Part 7 – Section 4 Overseas Medical Expenses (Women’s Benefit)” in the Policy Wording
No, the first treatment must be sought overseas to be eligible for claims under Post Journey Medical Expenses.
Yes, it is covered if it is resulting from an accident during the period of cover. However, this does not include costs of dentures.
Relating to Baggage cover
No, the amount of baggage cover cannot be increased.
No, Chubb does not cover any hired or leased equipment.
Yes. Please refer to Part 7 – “Section 25 Personal Property and Baggage” in the Policy Wording.
This plan will pay the stated benefit amount specified in the Certificate of Insurance for every six (6) full consecutive hours of delay, up to the maximum benefit amount specified.
Chubb will pay up to the maximum limit specified under “Section 25 Personal Property & Baggage” in the policy.
No, it would not as unaccompanied baggage is not covered.
No, confiscation of items by governmental authorities is not covered.
Up to SGD500 for any one item or set or pair of articles, and SGD1,000 for portable computers.
Relating to Golf and Winter Sports optional add-ons
Yes, Chubb will cover up to SGD1,000 per item up to the maximum amount specified in the policy.
Yes, Chubb will provide compensation, up to the maximum amount specified in the policy.
Relating to Trip Cancellation
No. The policy excludes travel cancellation claims caused by business obligations.
No, this is not included in the Specified Causes under “Part 7 – Section 15 Travel Cancellation” in the Policy Wording.
Yes. Please refer to “Part 7 – Section 15 Travel Cancellation“ in the Policy Wording.
Chubb does not impose any excess on the My VoyageGuard Travel InsuranceSM policy.
Yes, you are covered on the way to and from the airport.
Yes. Please refer to “Part 7 – Section 38, Terrorism Extension” in the Policy Wording.