COVERAGE (TOURCARE PLUS)
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Benefits |
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PERSONAL ACCIDENT |
Standard *Per Family |
Supreme *Per Family |
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1. Personal Accident (Double Indemnity for Road Accident) Compensates for accidental death or permanent disablement following accidental bodily injury |
Insured |
S$150,000 |
S$300,000 |
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Spouse |
S$100,000 |
S$150,000 |
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Child < 25 years |
S$50,000 |
S$100,000 |
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MEDICAL |
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2. Overseas Medical Expenses |
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Pays for medical and hospital expenses incurred whilst abroad as a result of illness or injury |
S$250,000 S$300,000 |
S$500,000 S$650,000 |
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3. Medical Expenses incurred upon return to Singapore |
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Follow-up treatment within 31 days from return date (following discharge from overseas hospital) or treatment sought within 5 days from return date and up to 31 days (if initial treatment is not sought overseas) |
S$15,000 S$30,000 |
S$25,000 S$50,000 |
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4. Overseas Hospital Visit |
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Pays for the cost of transportation of one relative or friend if the insured is hospitalized for more than 5 days whilst overseas |
S$3,000 S$3,000 |
S$5,000 S$5,000 |
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5. Additional Accommodation Expenses |
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Pays for the hotel accommodation incurred by one relative or friend ifthe insured is hospitalized for more than 5 days whilst overseas, up to a limit of S$400 per day (Standard Plan) or S$1,000 per day (Supreme Plan) |
S$2,000 S$2,000 |
S$5,000 S$5,000 |
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6. Overseas Compassionate Visit |
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Pays for the cost of transportation of one relative or friend to assist in the preparation of the mortal remains |
S$3,000 S$3,000 |
S$5,000 S$5,000 |
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7. Child Guard |
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Pays for the cost of returning unattended child back to home country or country of residence |
S$3,000 S$3,000 |
S$5,000 S$5,000 |
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8. Hospital Daily Income Benefit (Overseas) |
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Pays for each 24-hour period of overseas Hospital confinement up to a limit of S$200 per day subject to a maximum of 50 days (Standard Plan) or a maximum of 150 days (Supreme Plan) |
S$10,000 S$10,000 |
S$30,000 S$30,000 |
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9. Hospital Daily Income Benefit (Singapore) |
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Pays for each 24-hour period of Hospital confinement |
S$500 S$500 |
S$1,000 S$1,000 |
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10. Medical Expenses for Pregnancy Related Sickness |
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Pays for medical expenses for pregnancy related sickness |
S$2,500 S$2,500 |
S$5,000 S$5,000 |
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11. 24-hour Medical Assistance On referral or arrangement basis |
Liberty Helpline |
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12. Emergency Telephone Expenses |
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Pays for telephone charges as a result of medical emergency |
S$100 S$100 |
S$100 S$100 |
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MEDICAL EVACUATION |
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13. Emergency Medical Evacuation |
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Covers all expenses for emergency medical evacuation coordinated by Liberty Helpline: (+65) 6334 4434 |
S$500,000 S$500,000 |
S$1,000,000 S$1,000,000 |
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14. Repatriation of Mortal Remains |
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Covers for cost of transporting Insured’s mortal remains or local burial at place of death |
S$25,000 S$50,000 |
S$50,000 S$150,000 |
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LIABILITY |
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15. Personal Liability |
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Insures against third party claims for bodily injury or property damage caused by insured’s negligence whilst overseas |
S$500,000 S$500,000 |
S$1,000,000 S$1,000,000 |
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INCONVENIENCES |
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16. Trip Cancellation / Postponement |
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Pays for the non-refundable portion of travels costs paid in advance or administrative charges incurred due to unforeseen circumstances |
S$5,000 S$10,000 |
S$10,000 S$20,000 |
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17. Trip Curtailment |
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Pays for the pro-rata amount for each complete day of the planned trip lost due to unforeseen circumstances |
S$5,000 S$10,000 |
S$10,000 S$20,000 |
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18. Trip Disruption Pays for the pro-rata amount for each complete day of the planned trip lost if the Insured Person is hospitalized overseas for more than 5 days |
S$3,000 S$5,000 |
S$5,000 S$8,000 |
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19. Travel / Flight Misconnection Pays for the full 6 consecutive hours of scheduled transport delayed while overseas |
S$200 S$200 |
S$200 S$200 |
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20. Travel Delay · Pays up to a limit of S$100 for each full 6 consecutive hours if departure of the scheduled transport is delayed whilst overseas · Pays S$50 if departure of the scheduled transport is delayed in Singapore for more than a full 8 consecutive hours |
S$1,000
S$1,000 |
S$1,000
S$2,000 |
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21. Travel Overbooking |
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Covers accommodation, meal and travel expenses if insured is unable to board the scheduled flight due to overbooking |
S$150 S$300 |
S$1,000 S$2,000 |
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22. Emergency Purchases |
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Pays for emergency purchase of essential personal items if insured’s baggage is stolen or permanently lost |
S$250 S$500 |
S$500 S$1,000 |
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23. Baggage Delay · Pays S$150 for each full 6 consecutive hours if Insured’s checked-in baggage is delayed whilst overseas · Pays S$100 if Insured’s checked-in baggage is delayed for a full 8 consecutive hours upon return to Singapore |
S$1,000
S$1,000 |
S$1,000
S$1,000 |
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24. 24-hour Travel Assistance On referral or arrangement basis |
Liberty Helpline |
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LOSSES |
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25. Loss of Personal Money |
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Covers for loss of money whilst overseas as a result of robbery, burglary / theft or due to natural disaster |
S$250 S$500 |
S$500 S$1,000 |
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26. Loss of Travel Documents Pays for the cost of replacing Insured’s travel documents including the additional travel and hotel accommodation |
S$3,000 S$5,000 |
S$5,000 S$5,000 |
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27. Loss of or Damage to Baggage & Personal Covers loss, damage or stolen baggage and personal effects sustained overseas including golfing equipment |
S$3,000 S$5,000 |
S$5,000 S$8,000 |
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28. Rental Vehicle Excess Cover |
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Covers for the excess or deductible which insured may legally liable to pay in respect of accidental loss or damage to rental vehicle |
S$1,000 S$1,000 |
S$2,000 S$2,000 |
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29. Closure of Travel Agent |
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Pays for loss of travel related expenses paid in advance as a result of financial collapse or default of the travel agent in Singapore |
S$5,000 S$10,000 |
S$10,000 S$20,000 |
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30. Home Guard |
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Covers for loss or damage to the household contents in Singapore residence due to fire whilst residence was left vacant for full duration of trip |
S$2,500 S$2,500 |
S$5,000 S$5,000 |
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EXTENSIONS |
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31. Hijack Benefit · Pays an allowance if the aircraft in which the Insured is traveling is hijacked for more than 12 consecutive hours · Limit per 12–hour period of S$100 (Standard Plan) or S$200 (Supreme Plan) |
S$1,000 S$2,000 |
S$2,000 S$4,000 |
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32. Automatic Extension Automatically extends for 7 days if trip is delayed due to accident, sickness, delay by scheduled airline |
7 days |
7 days |
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33. Disruption/Withdrawal of Hotel Services |
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Pays S$100 for each 24-hour period in the event of disruption or withdrawal of hotel services as a result of strike or riot at travel destination |
S$200 S$200 |
S$200 S$200 |
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34. Kidnap Benefit |
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Pays S$250 for each 24-hour period in the event that the Insured is held hostage |
S$3,000 S$5,000 |
S$5,000 S$5,000 |
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35. Terrorism Extension Covers death or bodily injury, loss or damage in the event of terrorism, including the use of Nuclear, Chemical and/or Biological weapons whilst overseas (Not Applicable to Section 13, 14 & 15) |
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36. Quarantine Following Infectious Diseases |
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Pays S$50 for each complete day of quarantine whilst on a trip overseas or within 7 days upon returning to Singapore |
S$350 S$700 |
S$700 S$1,400 |
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