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Individual - TourCare Plus

Travel the world with peace of mind

Catered to your traveling needs

Catered to your traveling needs

Singaporeans are fast becoming citizens of the world with their frequent traveling. We traverse over greater landscapes and discover more things as we embark on new adventures every time. Amid the excitement, the last thing you want is to worry about flight diversions, accidents, lost baggage and other travel inconveniences.

You and your family can travel the world in complete freedom with the comprehensive travel insurance plan, TourCare Plus. With all that taken care of, it’s easier to see, discover and experience new places.

Benefits at a Glance

  1. Double indemnity for road accidents
  2. 24-hour accessibility to our Helpline at (+65) 6636 1131 which provides assistance services worldwide
  3. Liberty China Card-hospital admission deposit waived at designated hospitals in China, Hong Kong and Taiwan
  4. Compensation for travel/flight misconnection, flight diversion, flight and baggage delays, and additional cost incurred for alternative transport arrangement following cancelation or delay of scheduled transport
  5. Coverage in the event of terrorism, including when nuclear, chemical and/or biological weapons are used

Summary of Benefits

Description of Benefits Insured Person
Maximum Coverage (S$)
Standard Supreme
1.Personal Accident (Double Indemnity for Road Accident)
Compensates for Accidental death or permanent disablement following Accidental bodily injury
Per Individual
Age 75 years & below
Age 76 to 85 years
Insured Child (<25 years)
S$150,000
S$50,000*
S$50,000
S$300,000
S$100,000*
S$100,000
Medical
2. Overseas Medical Expenses
Pays for medical and hospital expenses incurred whilst abroad as a result of Sickness or Injury Including treatment by Chinese Physician & Chiropractor up to S$500
Per Individual
Age 75 years & below
Age 76 to 85 years
Per Family
S$250,000
S$50,000*
S$500,000
S$500,000
S$75,000*
S$800,000
3.Medical Expenses Incurred upon return to Singapore
Follow-up treatment within 31 days from return date (following discharge from Overseas Hospital) or treatment sought within 3 days from return date and up to 31 days (if initial treatment is not sought overseas). Including treatment by Chinese Physician & Chiropractor up to S$500
Per Individual
Age 75 years & below
Age 76 to 85 years
Per Family
S$15,000
S$1,000*
S$30,000
S$25,000
S$2,500*
S$50,000
4. Overseas Hospital Visit
Pays for the cost of transportation of one relative or friend if the insured is hospitalized for more than 5 days whilst Overseas
Per Individual
Per Family
S$3,000
S$6,000
S$5,000
S$10,000
5.Additional Accommodation Expenses
Pays for the hotel accommodation incurred by one relative or friend if the 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)
Per Individual
Per Family
S$2,000
S$2,000
S$5,000
S$5,000
6. Overseas Compassionate Visit
Pays for the cost of transportation of one relative or friend to assist in the preparation of the mortal remains
Per Individual
Per Family
S$3,000
S$6,000
S$5,000
S$10,000
7. Child Guard
Pays for the cost of returning unattended child back to home country or country of residence
Per Individual
Per Family
S$3,000
S$6,000
S$5,000
S$10,000
8. Hospital Daily Income Benefit (Overseas)
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)
Per Individual
Per Family
S$10,000
S$10,000
S$30,000
S$30,000
9.Hospital Daily Income Benefit (Singapore)
Pays for each 24-hour period of hospital confinement up (more than 5 consecutive days) upon immediate return to Singapore up to a limit of S$100 per day subject to a maximum of 5 days (Standard Plan) or a maximum of 10 days (Supreme Plan)
Per Individual
Per Family
S$500
S$500
S$1,000
S$1,000
10.Medical Expenses for Pregnancy Related Sickness
Pays for medical expenses for pregnancy related Sickness
Per Individual
Per Family
S$2,500
S$2,500
S$5,000
S$5,000
11. 24-hour Medical Assistance
On referral or arrangement basis
Per Individual
Per Family
Liberty Helpline
12.Emergency Telephone Expenses
Pays for telephone charges as a result of medical emergency
Per Individual
Per Family
S$100
S$100
S$100
S$100
Medical Evacuation
13.Emergency Medical Evacuation
Covers all expenses for emergency medical evacuation coordinated by Liberty Helpline: (+65) 6636 1131
Per Individual
Age 75 years & below
Age 76 to 85 years
Per Family
Unlimited
S$100,000*
Unlimited
Unlimited
S$150,000*
Unlimited
Emergency Medical Evacuation – Special Extension *NEW*
Special Extension for emergency medical evacuation due to Pre-Existing Condition
Per Individual
Age 75 years & below
Age 76 to 85 years
Per Family
 –
S$200,000
S$100,000*
S$500,000
S$200,000
S$100,000*
S$500,000
14. Repatriation of Mortal Remains
Covers for cost of transporting Insured’s mortal remains or local burial at place of death
Per Individual
Age 75 years & below
Age 76 to 85 years
Per Family
Unlimited
S$15,000*
Unlimited
Unlimited
S$30,000*
Unlimited
Repatriation of Mortal Remains – Special Extension *NEW*
Special Extension for Repatriation of Mortal Remains due to Pre-Existing Condition
Per Individual
Age 75 years & below
Age 76 to 85 years
Per Family
 –
S$50,000
S$20,000*
S$200,000
 –
S$50,000
S$20,000*
S$200,000
Liability
15. Personal Liability
Insures against third party claims for bodily injury or property damage caused by Insured’s negligence whilst Overseas
Per Individual
Per Family
S$500,000
S$500,000
S$1,000,000
S$1,000,000
Inconveniences
16.Trip Cancelation/Postponement
Pays for the non-refundable portion of travels costs paid in advance or administrative charges incurred due to Unforeseen Circumstances
Per Individual
Per Family
S$5,000
S$10,000
S$10,000
S$20,000
17. Trip Curtailment
Pays for the pro-rata amount for each complete day of the planned Trip lost due to Unforeseen Circumstances
Per Individual
Per Family
S$5,000
S$10,000
S$10,000
S$20,000
18. Alternative Trip Arrangement
Pays the additional travel cost incurred for alternative transportation to continue the planned Trip if the scheduled transport is canceled or delayed for more than 24 hours
Per Individual
Per Family
S$500
S$1,000
S$500
S$1,000
19.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 consecutive days
Per Individual
Per Family
S$3,000
S$5,000
S$5,000
S$8,000
20. Travel/Flight Misconnection
Pays for the full 6 consecutive hours of scheduled transport delayed while Overseas
Per Individual
Per Family
S$200
S$200
S$200
S$200
21.Travel Delay

  • Pays S$100 for each full 6 consecutive hours if departure of the scheduled transport is delayed whilst Overseas
  • Pays maximum limit of S$150 for travel delay in Singapore if delay is in excess of 6 full consecutive hours
Per Individual
Per Family
S$1,000
S$1,000
S$1,000
S$2,000
22.Flight Diversion
Pays S$100 for each full 6 consecutive hours if the scheduled flight is diverted whilst Overseas
Per Individual
Per Family
S$1000
S$1000
S$1000
S$1000
23. Travel Overbooking
Covers accommodation, meal and travel expenses if insured person is unable to board the scheduled flight due to overbooking
Per Individual
Per Family
S$150
S$300
S$200
S$400
24. Emergency Purchases
Pays for emergency purchase of essential personal items if insured person’s baggage is stolen or permanently lost
Per Individual
Per Family
S$250
S$500
S$500
S$1,000
25.Baggage Delay

  • Pays S$200 for each full 6 consecutive hours if insured person’s checked-in baggage is delayed whilst Overseas
  • Pays maximum limit of S$200 for baggage delay upon return to Singapore if delay is in excess of 6 full consecutive hours
Per Individual
Per Family
S$1,000
S$1,000
S$1,000
S$1,000
26.24-hour Travel Assistance
On referral or arrangement basis
Per Individual
Per Family
Liberty Helpline
Losses
27.Loss of Personal Money
Covers for loss of money whilst Overseas as a result of robbery, burglary/theft or due to Natural Disaster
Per Individual
Per Family
S$250
S$500
S$500
S$1,000
28. Loss of Travel Documents
Pays for the cost of replacing insured person’s travel documents including the additional travel and hotel accommodation expenses incurred
Per Individual
Per Family
S$3,000
S$5,000
S$5,000
S$5,000
29. Loss of or Damage to Baggage & Personal Effects
Covers loss, damage or stolen baggage and personal effects sustained Overseas including golfing equipment and laptop computer (maximum of S$500 for each item or set or pair of items; maximum of S$1,000 for laptop computer)
Per Individual
Per Family
S$3,000
S$5,000
S$5,000
S$8,000
30.Rental Vehicle Excess Cover
Covers for the excess or deductible which insured person may legally liable to pay in respect of accidental loss or damage to rental vehicle
Per Individual
Per Family
S$1,000
S$1,000
S$2,000
S$2,000
31.Closure of Travel Agent
Pays for loss of travel related expenses paid in advance as a result of financial collapse or default of travel agent in Singapore
Per Individual
Per Family
S$5,000
S$10,000
S$10,000
S$20,000
32.Home Guard
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
Per Individual
Per Family
S$2,500
S$2,500
S$5,000
S$5,000
Extensions
33. Hijack Benefit

  • Pays an allowance if the aircraft in which the insured person 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)
Per Individual
Per Family
S$1,000
S$2,000
S$2,000
S$4,000
34.Automatic Extension
Automatically extends for 7 days if Trip is delayed due to Accident, Sickness suffered by insured person or delay by scheduled airline
Per Individual
Per Family
7 days 7 days
35.Disruption/Withdrawal of Hotel Services
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
Per Individual
Per Family
S$200
S$200
S$200
S$200
36. Kidnap Benefit
Pays S$250 for each 24-hour period in the event that the insured person is held hostage
Per Individual
Per Family
S$3,000
S$5,000
S$5,000
S$5,000
37.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)
Per Individual
Per Family
Covered Covered
38.Quarantine Following Infectious Diseases
Pays S$50 for each complete day of quarantine whilst on a Trip Overseas or within 7 days upon returning to Singapore
Per Individual
Per Family
S$350
S$700
S$700
S$1,400

* Reduced limit applies to insured person from age 76 to 85 years under Individual or Family plan

  • The amounts listed in the benefits table are the maximum coverage payable for each benefit
  • Pre-existing medical conditions will not be covered (except for Sections 13 and 14)
  • Coverage intended for overseas and not in Singapore

The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions.