SUMMARY OF COVERAGE

MAXIMUM BENEFITS (S$)

Overseas Medical & Dental Services

Superior

Classic

Section 1

Medical and Accidental Dental Expenses Incurred Overseas
Cover for Insured Person (70 years and below)
Cover for Insured Person (aged over 70 years)

S$500,000
S$250,000

S$250,000
S$100,000

Section 2

Hospital Confinement Benefit
Pays S$200 for every complete day the Insured Person is hospitalized whilst overseas

S$30,000
(max 150 days)

S$10,000
(max 50 days)

Section 3

Emergency Medical Evacuation
Cover all AIAS Emergency Medical Evacuation expenses

Unlimited

S$500,000

Section 4

Repatriation
Cover all AIAS expenses incurred in returning the remains of the Insured Person who suffers loss of life during the trip

Unlimited

S$30,000

Section 5

Compassionate Visit by a Relative
Pays for incidental expenses of one relative or friend if the Insured Person cannot be evacuated and requires hospitalization for more than 5 days.

S$5,000

S$3,000

Section 6

Child Guard
Pays for one relative or friend to accompany the children home following hospitalization of the Insured Person

S$5,000

S$3,000

Personal Accident Protection

Section 7

Accident Death & Disablement
  Cover for Insured Person (70 years and below)
  Cover for Insured Person (aged over 70 years)
  Cover for Children included in Family Plan

S$200,000
S$100,000
S$50,000

S$150,000
S$50,000
S$25,000

Section 8

Double Indemnity for Death In Common Air Carrier
  Cover for Insured Person (70 years old and below)
  Cover for Insured Person (aged over 70 years)
  Cover for Children included in Family Plan

S$400,000
S$200,000
S$100,000

NA

Travel Inconvenience Cover

Section 9

Travel Cancellation
Covers loss of irredeemable travel and accommodation expenses paid in advance and occurring up to 30 days prior to departure from Singapore

S$10,000

S$5,000

Section 10

Trip Curtailment including Aircraft Hijacking
Covers additional travel or accommodation expenses incurred or forfeited after the commencement of the Trip

S$10,000

S$5,000

Section 11

Personal Baggage including Golfing Equipment and Laptop Computer
Covers loss or damage to baggage, clothing, personal effects, Golfing Equipment and Laptop Computer. (max. S$500 for any one article or pair or set of articles; max. for Laptop Computer is S$1000)

S$5,000

S$3,000

Section 12

Baggage Delay
Pays S$200 for every 12 consecutive hours that is Insured Person's baggage is delayed whilst overseas up to a maximum of 5 payments

S$1,000

S$1,000

Section 13

Travel Documents
Pays the Insured Person's travel and hotel expenses including cost of obtaining replacement passports, travel tickets and other relevant travel documents; Loss of money due to theft is also covered (maximum limit S$300)

S$5,000

S$3,000

Section 14

Travel Delay
Pays S$100 for every 12 consecutive hours the Insured person is delayed up to a maximum of 10 payments

S$1,000

S$1,000

Section 15

Travel Misconnection
Covers expenses incurred as a result of misconnection of conveyance

S$200

S$200

Section 16

Personal Liability
Covers the Insured Person against liability to third parties or damage to their property caused by his/her negligence.

S$1,000,000

S$500,000

Bonus Cover

Section 17

Home Guard
Pays for damage (due to fire) to household contents per household of the residence which was left vacant for the full duration of the trip.

S$5,000

NA

Section 18

Rental Vehicle Excess
Pays for the cost of the insurance excess of a car rented by the Insured Person if it is involved in an accident.

S$500

NA

PREMIUMS (S$)

Family Package

• Single-Trip
  For 1 or 2 adults travelling with any number of children. The 2 adults need not be related but each child must be related to either of the insured adults.

• Annual
  For a legally married couple and any number of children.  Each child in the annual Family Plan must be accompanied by either of the insured adults under this plan for any trips made during the policy period.
  
  Children under any Family Plan throughout the policy period must be unemployed, unmarried and under 18 years of age or up to 23 years if studying full-time in a recognized institution of higher learning.

Trip Duration

• Single Trip Coverage
  The maximum length of each insured trip is 182 days.

• Annual Coverage
  The insured policyholder(s) will be covered for an unlimited number of trips made during the policy period. The  maximum length of each insured trip is 90 days.

Commencement of Coverage

• Travel Cancellation Cover (see Section 9) is effective either:
  (a) 30 days before the date of departure, or
  (b) from the date of purchase which must be at least 7 days before the departure date for this benefit to respond, whichever is later

• Personal Accident Protection (see Section 7) commences three (3) hours before the insured person(s) leaves Singapore and ceases whenever any of the following occurs first:
  (a) When the period specified in the policy has expired
  (b) When the insured person(s) returns to his/her/their permanent place of residence
  (c) Within three (3) hours upon arrival back in Singapore

Duplicate & Refund Coverage

• If the Insured Person  is covered under more than one(1) travel policy underwritten by the company for the same trip, the company will consider the person to be insured only under the policy which provide the highest benefit level.

• No refund of premium is allowed once the policy has been issued.

Claims Procedure

• To ensure prompt processing of your claim, it is important that you submit a completed claim form along with the original or a copy of your Insurance Certificate and all supporting documents. Please retain a copy for your own records.

Main Exclusions

• War Exclusion
  - This insurance does not apply to any loss arising out of war, civil war, invasion, insurrection, revolution, use of military power or usurpation of government or military power. War shall mean war, whether declared or not, any warlike activities including the use of military force by any sovereign nation to achieve economic, geographic, nationalistic, political, racial, religious or other ends

• AIDS; mental or nervous disorders; suicide or self - inflicted injury

• Pregnancy or childbirth

• Jeweler or watches

• Flight duty (except as a passenger) or manual work

• Any pre-existing condition for which the Insured Person
  (i) received medical treatment, diagnosis consultation or prescribed drugs, or
  (ii) had a condition (for which medical advice or treatment was recommended by a qualified medical practitioner) which was not covered within a twelve (12) month period preceding the effective date of the Policy

• Complete details of policy exclusions are listed in the Policy

• Terrorist cover excludes Biological, Nuclear and Chemical Terrorism

AIG Assist Global Travel Insurance - Maximum Protection, Minimum Worries!

Important!
1. Applicants must be Singaporean, permanent resident or residents in Singapore.

2. This AIG Insurance is not valid until it is formalized and approved by AIG Insurance.

3. Subject to AIG acceptance & customer must receive the actual policy.

The Insurance Coverage Information provided herein does not constitute the actual policy and is for reference only. TVI Holidays Pte Ltd will not be responsible in any ways for any unintentional errors in its content. Please refer to the actual AIG Travel Insurance policy for precise information on policy coverage. A copy of the policy will be provided upon request. Please ask for a set of the policy details upon purchase of the travel insurance policy.