Key Benefits

Studying abroad is undoubtedly an exciting experience filled with both opportunities and risks. As you embark on this adventure, don’t let practical concerns like international travel, security and health disrupt your plans. With a clear understanding of the challenges faced by international students like you, we have tailored Overseas StudentCare for all your overseas needs

1

Worldwide Coverage

No matter where you go, we’ve got you covered

2

Comprehensive Coverage

This includes accident, health, travel, property and assistance while studying overseas and while on holidays during term break

3

Travel-related Concerns

Such as travel delay, baggage delay, loss of travel documents or damage to personal baggage

4

Rental Vehicle Excess Cover

This includes 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

5

Unparalleled Flexibility

To enhance cover for medical expenses and study interruption

student

Find A Plan That Meets Your Needs

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

Personal Accident - Insured adult
Covers permanent disablement or death
following accidental bodily injury

Maximum payable S$200,000
Personal Accident - Insured child (< 18 years)
Covers permanent disablement or death
following accidental bodily injury
Maximum payable 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
Criminal Assault
Covers accidental death or permanent disablement
suffered as a result of criminal assault whilst overseas
S$100,000
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
Description of Benefit Benefit Limit (Per Person per year^)
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
Baggage Delay
Pays S$50 for each full 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
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
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
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
Compassionate Visit
  • Covers the cost of travel expenses incurred by you to return to your home country in the event of the 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
Description of Benefit Benefit Limit (Per Person per year^)
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
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
Liberty China Card
Waiver of hospital admission deposit at designated
hospitals in Hong Kong, China and Taiwan
Covered
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
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
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
  Benefit Limit (Per Person per year^)

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:
1) each item or set or pair of items (including handheld devices) up to S$200
2) laptop computer/notebook up to S$1,000

S$3,000
Liability
Description of Benefit Benefit Limit (Per Person per year^)
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
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
Description of Benefit Benefit Limit (Per Person per year^)
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
Study Loan Repayment
Covers the outstanding study loan which you are liable to pay in the event of your accidental death
S$5,000
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

^ 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. 


Optional Benefits

Description Option A Option B Option C

Medical Expenses (following Accident or Illness)
Covers hospital & surgical expenses incurred due to an injury sustained or illness contracted whilst overseas

S$25,000* S$50,000* S$75,000*

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:

  • 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 (following Accident or Illness)
Covers hospital & surgical expenses incurred due to an injury sustained or illness contracted whilst overseas

Maximum payable in respect of:

  • 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
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. 


Annual Premium Table For Standard Lives Only (SGD)

Duration Premium Payable Option A Option B Option C
Individual
Duration Premium Payable Option A Option B Option C
3 Months S$200 S$65 S$165 S$335
6 Months S$300 S$150 S$315 S$590
1 Year S$400 S$195 S$485 S$910
Family Plan*
Duration Premium Payable Option A Option B Option C
3 Months N.A. N.A. N.A. N.A.
6 Months S$675 S$336 S$710 S$1,323
1 Year S$900 S$480 S$1,081 S$2,045

 *Family refers to you, your legal spouse and up to 3 of your children

Premiums above include prevailing GST


Discount**
Policy Period Discount
2 Years 5%
3 Years and Above 7.5%

** Discount is applicable when policy is incepted for 2 years or more


Notes

Eligibility

You must be:

  • between 15 to 45 years of age
  • a Singapore citizen, Singapore permanent resident or foreigner holding a valid Singapore student pass
  • registered as a full-time student with an overseas educational institution or participating in a student exchange program or industrial attachment overseas as arranged by your educational institution in Singapore
Major Exclusions

This policy will not cover any loss, injury, illness, damage or legal liability arising directly or indirectly from:

  • Illegal or unlawful acts
  • Suicide or self-inflicted injury
  • HIV and related conditions
  • Pregnancy or childbirth and related complications
  • Participation in professional and/or competitive sports
  • Pre-Existing conditions
  • Mental and nervous disorders
  • Travel in, to or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan, Syria and Lebanon