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Overseas StudentCare

Preparing you for the world

Preparing you for the world

Studying overseas can be an exciting experience filled with mixed emotions. For some it means leaving home for the first time, for others it’s a return to a childhood holiday destination. It is a chance to gain an international perspective, to meet people from various cultures and expand one’s horizon whilst studying at a world leading school or university.

As you take this important step in your education, don’t let practical concerns like international travel, security and health disrupt your plans. Being prepared for uncertainties is key to having a safe and successful overseas educational experience. At Liberty, we understand the challenges faced by international students like you and have tailored Overseas StudentCare to provide a comprehensive cover for your needs.

So travel the world, take in new sights, build lifelong friendships, gain new experiences, study and live overseas. We are with you every step of your way.

Benefits at a Glance

  1. Worldwide coverage
  2. Access to worldwide security alerts
  3. Emergency 24-hour assistance through Liberty Helpline (+65) 6636 1131
  4. Comprehensive covers for accident, health, travel, property and assistance while studying overseas and while on holidays during term break
  5. Waiver of hospital admission deposit at designated hospitals in Hong Kong, China and Taiwan
  6. Study loan repayment benefit
  7. Rental vehicle excess cover
  8. Access to bail bond facility
  9. Options to enhance cover for medical expenses and study interruption

Summary of Benefits

Description of Benefits Benefit Limit (Per Person per year^)
Accident & Health

1. Personal Accident 
Covers permanent disablement or death
following accidental bodily injury 

Maximum payable in respect of:

 
  • Insured adult
S$200,000
  • Insured child (< 18 years)
S$50,000
Passive War Extension
Covers death or bodily injury sustained by
you through war-like operations provided
that you are not directly or indirectly
involved in such activities
Covered
2.Criminal Assault
Covers accidental death or permanent disablement suffered as a result of criminal assault whilst overseas
S$100,000
3.Medical Expenses (following Accident)
Reimburses medical expenses arising from accidental bodily injury sustained overseas including treatment by Chinese physician, physiotherapist and chiropractor
S$15,000
Travel
4.Travel Delay
Pays S$50 for each full 6 consecutive hours if departure of scheduled transport is delayed whilst overseas. We will pay maximum limit of S$50 for travel delay in Singapore if delay is in excess of 6 full consecutive hours
S$500
5.Baggage Delay
Pays S$50 for each 6 consecutive hours if insured person’s checked-in baggage is delayed whilst overseas. We will pay maximum limit of S$50 for baggage delay in Singapore if delay is in excess of 6 full consecutive hours
S$500
6.Loss of Travel Documents
Pays for the cost of replacing your travel documents whilst overseas as a result of theft, violence or natural disaster including the additional travel and hotel accommodation expenses incurred
S$500
7. Loss or Damage to Personal Baggage
Covers loss or damage sustained overseas to personal baggage due to theft or misdirection whilst in the care, custody and control of a scheduled transport provider.
Maximum of S$200 payable in respect of each item or set or pair of items
S$1,000
8. Hospital Visit

  • Covers the travel expenses incurred by you to return to your home country to visit your immediate family member who is hospitalized for more than 5 consecutive days
  • Covers the travel and accommodation expenses incurred by a relative or friend to visit you if you are hospitalized overseas for more than 5 consecutive days
S$5,000
9. Compassionate Visit

  • Covers the cost of travel expenses incurred by you to return to your home country in the event of death of your immediate family member
  • Covers the cost of travel and accommodation expenses incurred by a relative or friend to assist in the repatriation arrangement of the insured’s mortal remains
S$5,000
Emergency Assistance
10. Emergency Medical Evacuation (24 hours)
In the event that you require emergency medical treatment unavailable locally, this benefit covers your medical evacuation to a more appropriate medical facility
Liberty Helpline: (+65) 6636 1131
Unlimited
11. 24-hour Medical and Travel Assistance
If you require medical or travel assistance whilst overseas, you may contact Liberty Helpline: (+65) 6636 1131 for 24-hour assistance anytime, anywhere
Covered
12. Liberty China Card
Waiver of hospital admission deposit at designated hospitals in Hong Kong, China and Taiwan
Covered
13. Worldwide Security Alerts
You may sign up for alerts on events or scenario which could pose a threat to your safety whilst overseas
Services such as online access to country wide security information, daily news bulletin, push e-mail alerts, SMS special incident advisory and a smart phone application for direct access to our dedicated travel risk management suite of information is available to you
Covered
14. Bail Bond Facility
Provides assistance in arranging a bail bond following your arrest for a bailable offence whilst overseas
Liberty Helpline: (+65) 6636 1131
Covered
15. Repatriation of Mortal Remains
Covers the cost of transporting insured’s mortal remains from the place of insured’s death to his/her home country or the cost of a local burial at the place of death
Unlimited
Property
16. Overseas Home Guard
Covers loss or damage due to fire, natural disaster or theft (consequent upon actual forcible and violent entry of or exit from the premises) of household contents and your personal belongings including hand held devices, stored at your permanent overseas residence

Maximum payable in respect of:

  • each item or set or pair of items (including handheld devices) up to S$200
  • laptop computer/notebook up to S$1,000
S$3,000
Liability
17. Personal Liability
Insures against third party claims for bodily Injury or property damage caused by your negligence whilst overseas. Our liability for all compensation payable in respect of any one occurrence and in the aggregate shall not exceed the Benefit Limit
S$300,000
18. Rental Vehicle Excess Cover
Covers the excess or deductible which you may be legally liable to pay in respect of accidental loss or damage to a rental vehicle whilst overseas
S$1,000
Student Assistance
19. Study Interruption
Covers tuition fees paid in advance for the current semester in the event you are unable to continue your studies overseas for the remaining part of the semester due to your hospitalization, terminal illness or death of an immediate family member
S$10,000
20. Study Loan Repayment
Covers the outstanding study loan which you are liable to pay in the event of your accidental death
S$5,000
21. Sponsor Protection
Covers the unpaid tuition fees in the event of accidental death or permanent disablement of your sponsor named in the policy, who is responsible for paying the tuition fees
S$15,000
Optional Benefits Option A Option B Option C
22. Medical Expenses
(following Accident or Illness)*
Covers hospital & surgical expenses
incurred due to an injury sustained
or illness contracted whilst overseas
Maximum payable in respect of:
S$25,000* S$50,000* S$100,000*
  • Hospital & surgical expenses incurred if you are hospitalized within 5 days upon return to Singapore if medical treatment was not sought overseas
S$5,000 S$5,000 S$5,000
  • Medical Expenses incurred for outpatient treatment of illness whilst overseas (Excess of S$100 per visit is applicable)
S$1,000 S$1,500 S$2,000
23. Study Interruption
Covers tuition fees paid in advance for the current semester in the event you are unable to continue your studies overseas for the remaining part of the semester due to your hospitalization, terminal illness or death of an immediate family member
S$5,000 S$10,000 S$15,000

 

*Aggregate Limit applicable to Section 22

^The same limit applies for policies which are less than 1 year

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