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.