Overseas StudentCare - Liberty Insurance Pte Ltd

Overseas StudentCare

Preparing you for the world

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Benefits
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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

Worldwide coverage
Access to worldwide security alerts
Emergency 24-hour assistance through Liberty Helpline (+65) 6636 1131
Comprehensive covers for accident, health, travel, property and assistance while studying overseas and while on holidays during term break
Waiver of hospital admission deposit at designated hospitals in Hong Kong, China and Taiwan
Study loan repayment benefit
Rental vehicle excess cover
Access to bail bond facility
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 residenceMaximum 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.

Annual Premium (S$)

Individual Plan

Family Plan*

Discount**

Individual Plan

Duration	Premium Payable	Additional Premium for Optional Benefits
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

Premiums above include prevailing GST

Family Plan*

Duration	Premium Payable	Additional Premium for Optional Benefits
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

Premiums above include prevailing GST

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

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

Downloads

Apply Online

Overseas StudentCare

Preparing you for the world

Info
Benefits
Downloads

Preparing you for the world

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

Worldwide coverage
Access to worldwide security alerts
Emergency 24-hour assistance through Liberty Helpline (+65) 6636 1131
Comprehensive covers for accident, health, travel, property and assistance while studying overseas and while on holidays during term break
Waiver of hospital admission deposit at designated hospitals in Hong Kong, China and Taiwan
Study loan repayment benefit
Rental vehicle excess cover
Access to bail bond facility
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 residenceMaximum 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.

Annual Premium (S$)

Individual Plan

Family Plan*

Discount**

Individual Plan

Duration	Premium Payable	Additional Premium for Optional Benefits
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

Premiums above include prevailing GST

Family Plan*

Duration	Premium Payable	Additional Premium for Optional Benefits
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

Premiums above include prevailing GST

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

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