Insure & Travel

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Insurance
Travel Insurance

With Insure & Travel, a comprehensive travel insurance package designed specially to meet
your insurance needs when you are overseas, you can enjoy a worry-free journey even before
you pack your suitcase. Wherever your travel takes you, we have got you covered.*

Benefits

Unlimited coverage for Emergency Medical Evacuation & Repatriation

Up to $300,000 for Medical, Dental & Other Expenses incurred overseas

Up to $250,000 for Personal Accident

Save on your Travel Insurance!*

(1 May 2013 - 30 June 2013)

Purchase online


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	+65 6222 7737 (24-hour)

* Terms and conditions

For details on insurance coverage and premium payable, please refer to the following:

Benefits

Per Trip Plan

Covers and Limits	Maximum Limit per Plan (unless otherwise stated)
Covers and Limits	Individual Plan	Family Plan
1. Personal Accident We will pay you or your estate the benefits according to the plan selected for death or permanent disablement arising from an accident. a) Adult below 70 years old b) Adult 70 years old and above c) Child as Defined	S$250,000 S$125,000 S$50,000	S$150,000 Not applicable S$25,000
2. Medical, Dental & Other Expenses Incurred Overseas We will reimburse you for the medical, hospital, treatment and emergency dental expenses incurred including a sub-limit benefit for treatment for miscarriage arising from an accident. a) Child / Adult below 70 years old b) Adult 70 years old and above (including limit for Emergency Medical Evacuation & Repatriation) c) In aggregate as a Family	S$300,000 S$150,000 Not applicable	S$150,000 Not applicable S$300,000
3. Follow-up Medical Expenses Incurred Upon Return to Singapore We will reimburse you for the necessary follow-up medical, hospital and treatment expenses reasonably incurred by you in Singapore within 31 days after your return to Singapore.	S$15,000	S$15,000
4. Traditional Chinese Medicine (TCM) Expenses We will reimburse you for the medical expenses incurred of which you had sought treatment from a Qualified Medical Practitioner.	S$300	S$300
5. Emergency Mobile Phone Charges We will reimburse you for your mobile phone charges for emergency medically related services incurred while overseas in contacting International SOS.	S$200	S$200
6. Overseas Hospital Confinement Allowance We will pay you an allowance for each complete day you are hospitalised while overseas due to accidental bodily injury or illness. Limit per person for each complete day	S$10,000 S$200	S$10,000 S$200
7. Emergency Medical Evacuation and Repatriation We will pay for the costs of emergency medical evacuation and/or repatriation recommended by International SOS a) Child / Adult below 70 years old b) Adult 70 years old and above (including limit for Medical, Dental and Other Expenses incurred overseas)	Unlimited S$150,000	Unlimited Not applicable
8. Repatriation Expenses for Mortal Remains We will pay for the burial or cremation costs incurred overseas or reasonable costs of transporting the mortal remains back to Singapore.	Unlimited	Unlimited
9. Compassionate Visit by a Relative or Friend We will reimburse you for the reasonable accommodation and travel expenses necessarily incurred for one relative or friend who on written advice of a qualified medical practitioner to remain behind with or travel to be with you.	S$5,000	S$5,000
10. Child Help We will reimburse you for the reasonable accommodation and transportation expenses necessarily incurred for one relative or friend to escort the unaccompanied child(ren) back to Singapore in the event you are hospitalised overseas and there is no other adult traveling with the child(ren).	S$5,000	S$5,000
11. Loss of Deposit or Cancellation We will reimburse you for the irrecoverable deposits or charges paid in advance for trip cancelled due to medical or compassionate reasons, strike/riot, bankruptcy or insolvency of travel agency in Singapore.	S$10,000	S$10,000
Sub-limit for Trip Postponement	S$1,000	S$1,000
12. Flight Deviation We will pay you an allowance for each full 6 consecutive hours if your flight has been diverted to another destination while overseas due to adverse weather conditions. Limit for each full 6 consecutive hours	S$1000 S$100	S$1000 S$100
13. Trip Curtailment We will reimburse you for the proportional return of irrecoverable prepaid costs if it is necessary for you to curtail your trip due to strike/riot, serious injury/illness or hijacking of the scheduled public conveyance in which you are traveling on.	S$10,000	S$10,000
14. Travel Delay If the scheduled public conveyance that you had arranged to travel is delayed due to industrial action, adverse weather conditions or mechanical breakdown for at least 6 consecutive hours from the time specified in the itinerary,
a) We will pay you an allowance for each full 6-hour delay up to the amount specified. In addition, if any of the planned trip is cancelled due to the delay, we will reimburse you for the irrecoverable deposits or charges paid in advance, provided you continue with the planned trip	a) S$1,000 S$100 for each full 6 consecutive hours delay and S$500 for partial trip cancellation	a) S $1,000 S$200 for the first full 6 consecutive hours delay and S$100 for each subsequent full 6 consecutive hours delay and S$500 for partial trip cancellation
OR	OR	OR
b) We will reimburse you the irrecoverable deposits or charges paid in advance should you decide to curtail the planned trip and return to Singapore immediately.	b) S$10,000 for Curtailment	b) S$10,000 for Curtailment
15. Travel Misconnection We will pay you an allowance when you miss your confirmed connection for an onward journey due to delay of the incoming scheduled public conveyance.	S$200	S$200
16. Overbooked Scheduled Public Conveyance We will reimburse you for the expenses incurred for reasonable hotel accommodation or meals in the event you fail to board the scheduled public conveyance due to an overbooking in which you have a confirmed reservation from the travel agent or transport operator.	S$100	S$100
17. Baggage & Personal Effects We will reimburse you for the loss of or damage to baggage and personal effects while overseas.	S$5,000	S$5,000
Limit per set or pair of Article	S$800	S$800
18. Baggage Delay We will pay you a cash benefit if your checked-in baggage is delayed for more than 6 consecutive hours due to misdirection. Limit for each full 6 consecutive hours of delay while overseas Limit for each full 6 consecutive hours of delay upon return to Singapore	S$1,000 S$200 S$100	S$1,000 S$200 S$100
19. Personal Money & Travel Documents We will reimburse you for loss of money and replacement cost of travel documents in your personal custody arising out of robbery, burglary or theft.	S$5,000	S$5,000
Sub-limit for personal money	S$500	S$500
20. Credit Card Indemnity We will indemnify you for the financial loss as a result of fraudulent usage of your credit or charge card being lost or stolen overseas.	S$500	S$500
21. Personal Liability We will indemnify you against legal liability to third party for bodily injury or damage to property due to your accidental negligence while overseas.	S$1,000,000	S$1,000,000
22. Hijacking We will pay you an allowance if the scheduled public conveyance in which you are traveling is hijacked for at least 12 hours. Limit for each full 12-hour	S$5,000 S$100	S$5,000 S$100
23. HomeSure (per household) We will indemnify you for the loss of or damage to your household contents caused by fire or burglary (forcible entry only) when your principal residence in Singapore is left vacant while you are overseas.	S$5,000	S$5,000
Sub-limit for burglary	S$1,000	S$1,000
24. Rental Vehicle Excess We will reimburse you for any excess or deductible which you become legally liable to pay for any loss of or damage to the rental vehicle caused by an accident during the rental period while overseas.	S$500	S$500
25. Terrorism We will indemnify for loss arising from terrorism excluding any act of terrorism involving the use or release or the threat of any nuclear weapon or device or chemical or biological agent.	Cover all Sections up to the maximum benefit amount	Cover all Sections up to the maximum benefit amount
26. Credit Protector (exclusive for UOB Credit Cardholder only) We will pay UOB in the event of your accidental death during the insured trip for your UOB credit card charges incurred overseas.	S$3,000	S$3,000

Definition of Child - A fully dependent child under the age of 18 years old or up to 23 years old who is studying full-time in higher institutions of learning and is not married nor in employment.

Family Plan means the Insured Person and/or his/her spouse with any number of their Child(ren).

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Annual Plan

Covers and Limits	Maximum Limit per Plan (unless otherwise stated)
Covers and Limits	Individual Plan	Family Plan
1. Personal Accident We will pay you or your estate the benefits according to the plan selected for death or permanent disablement arising from an accident.
a) Adult below 70 years old c) Child as Defined	S$250,000 Not applicable	S$250,000 S$50,000
2. Medical, Dental & Other Expenses Incurred Overseas We will reimburse you for the medical, hospital, treatment and emergency dental expenses incurred including a sub-limit benefit for treatment for miscarriage arising from an accident.
a) Adult below 70 years old b) Child as Defined	S$300,000 Not applicable	S$300,000 S$150,000
3. Follow-up Medical Expenses Incurred Upon Return to Singapore We will reimburse you for the necessary follow-up medical, hospital and treatment expenses reasonably incurred by you in Singapore within 31 days after your return to Singapore.
a) Adult below 70 years old b) Child as Defined	S$15,000 Not applicable	S$15,000 S$7,500
4. Traditional Chinese Medicine (TCM) Expenses We will reimburse you for the medical expenses incurred of which you had sought treatment from a Qualified Medical Practitioner.	S$300	S$300
5. Emergency Mobile Phone Charges We will reimburse you for your mobile phone charges for emergency medically related services incurred while overseas in contacting International SOS.	S$200	S$200
6. Overseas Hospital Confinement Allowance We will pay you an allowance for each complete day you are hospitalised while overseas due to accidental bodily injury or illness. Limit per person for each complete day	S$10,000 S$200	S$10,000 S$200
7. Emergency Medical Evacuation and Repatriation We will pay for the costs of emergency medical evacuation and/or repatriation recommended by International SOS a) Adult below 70 years old b) Child as Defined	Unlimited Not applicable	Unlimited Unlimited
8. Repatriation Expenses for Mortal Remains We will pay for the burial or cremation costs incurred overseas or reasonable costs of transporting the mortal remains back to Singapore.	Unlimited	Unlimited
9. Compassionate Visit by a Relative or Friend We will reimburse you for the reasonable accommodation and travel expenses necessarily incurred for one relative or friend who on written advice of a qualified medical practitioner to remain behind with or travel to be with you.	S$5,000	S$5,000
10. Child Help We will reimburse you for the reasonable accommodation and transportation expenses necessarily incurred for one relative or friend to escort the unaccompanied child(ren) back to Singapore in the event you are hospitalised overseas and there is no other adult traveling with the child(ren).	S$5,000	S$5,000
11. Loss of Deposit or Cancellation We will reimburse you for the irrecoverable deposits or charges paid in advance for trip cancelled due to medical or compassionate reasons, strike/riot, bankruptcy or insolvency of travel agency in Singapore.	S$10,000	S$10,000
Sub-limit for Trip Postponement	S$1,000	S$1,000
Sub-Limit for Cancellation due to Bankruptcy or Insolvency of Travel Agent	S$5,000	S$5,000
12. Flight Deviation We will pay you an allowance for each full 6 consecutive hours if your flight has been diverted to another destination while overseas due to adverse weather conditions. Limit for each full 6 consecutive hours	S$1000 S$100	S$1000 S$100
13. Trip Curtailment We will reimburse you for the proportional return of irrecoverable prepaid costs if it is necessary for you to curtail your trip due to strike/riot, serious injury/illness or hijacking of the scheduled public conveyance in which you are traveling on.	S$10,000	S$10,000
14. Travel Delay If the scheduled public conveyance that you had arranged to travel is delayed due to industrial action, adverse weather conditions or mechanical breakdown for at least 6 consecutive hours from the time specified in the itinerary, a) We will pay you S$100 for each full 6-hour delay up to S$500. In addition, if any of the planned Trips is cancelled due to the delay, we will reimburse you for the irrecoverable deposits or charges paid in advance up to S$500, provided you continue with the planned Trip OR b) We will reimburse you the irrecoverable deposits or charges paid in advance should you decide to curtail the planned trip and return to Singapore immediately.	a) S$1,000 OR b) S$10,000	a) S$1,000 OR b) S$10,000
15. Travel Misconnection We will pay you an allowance when you miss your confirmed connection for an onward journey due to delay of the incoming scheduled public conveyance.	S$200	S$200
16. Overbooked Scheduled Public Conveyance We will reimburse you for the expenses incurred for reasonable hotel accommodation or meals in the event you fail to board the scheduled public conveyance due to an overbooking in which you have a confirmed reservation from the travel agent or transport operator.	S$100	S$100
17. Baggage & Personal Effects We will reimburse you for the loss of or damage to baggage and personal effects while overseas. Limit per set or pair of Article	$5,000 S$800	S$5,000 S$800
18. Baggage Delay We will pay you a cash benefit if your checked-in baggage is delayed for more than 6 consecutive hours due to misdirection. Limit for each full 6 consecutive hours of delay while overseas Limit for each full 6 consecutive hours of delay upon return to Singapore	S$1,000 S$200 S$100	S$1,000 S$200 S$100
19. Personal Money & Travel Documents We will reimburse you for loss of money and replacement cost of travel documents in your personal custody arising out of robbery, burglary or theft.	S$5,000	S$5,000
Sub-limit for personal money	S$500	S$500
20. Credit Card Indemnity We will indemnify you for the financial loss as a result of fraudulent usage of your credit or charge card being lost or stolen overseas.	S$500	S$500
21. Personal Liability We will indemnify you against legal liability to third party for bodily injury or damage to property due to your accidental negligence while overseas.	S$1,000,000	S$1,000,000
22. Hijacking We will pay you an allowance if the scheduled public conveyance in which you are traveling is hijacked for at least 12 hours.	S$5,000	S$5,000
Limit for each full 12-hour	S$100	S$100
23. HomeSure (per household) We will indemnify you for the loss of or damage to your household contents caused by fire or burglary (forcible entry only) when your principal residence in Singapore is left vacant while you are overseas.	S$5,000	S$5,000
Sub-limit for burglary	S$1,000	S$1,000
24. Rental Vehicle Excess We will reimburse you for any excess or deductible which you become legally liable to pay for any loss of or damage to the rental vehicle caused by an accident during the rental period while overseas.	S$500	S$500
25. Terrorism We will indemnify for loss arising from terrorism excluding any act of terrorism involving the use or release or the threat of any nuclear weapon or device or chemical or biological agent.	Cover all Sections up to the maximum benefit amount	Cover all Sections up to the maximum benefit amount
26. Credit Protector (exclusive for UOB Credit Cardholder only) We will pay UOB in the event of your accidental death during the insured trip for your UOB credit card charges incurred overseas.	S$3,000	S$3,000

Types of Cover
1. Individual Plan means any natural person who is domiciled in Singapore. He/She must be a Singapore Citizen, Permanent Resident of Singapore or foreigner holding a valid employment pass in Singapore.

2. Family Plan means the Insured Person and/or his/her spouse with any number of their Child(ren).

For Annual Family Plan, the Child must be accompanied by at least one of the Insured Adults throughout the Trip during the period of insurance.

For Annual Plan, the Insured Person(s) can make unlimited number of Trips to the selected Geographical Area and each Trip should not exceed 90 days.

Definition
A Child shall mean a natural person whose age is under the age of 18 years of age or up to 23 years old who is studying full-time in a higher institution of learning and is not married nor in employment.

Eligibility for Cover
• Singapore Citizens, Permanent Resident of Singapore or Foreigner holding on to a
valid Employment Pass
• The Insured Person must be domiciled in Singapore
• The Trip must not be the purpose of seeking medical treatment
• The maximum enrol age for Annual Plan is 60 years old.

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Table of Premiums

Per Trip Plan

Period of Insurance	ASEAN	ASIA	WORLDWIDE
Individual Plan
1 - 3 days	S$28	S$38	S$55
4 - 6 days	S$32	S$45	S$68
7 - 10 days	S$48	S$64	S$80
11 - 14 days	S$62	S$75	S$100
15 - 18 days	S$76	S$88	S$118
19 - 22 days	S$87	S$100	S$132
23 - 27 days	S$95	S$110	S$144
28 - 31 days	S$105	S$120	S$160
Each additional week or part	S$18	S$25	S$30
Family Plan
1 - 3 days	S$64	S$82	S$123
4 - 6 days	S$76	S$105	S$143
7 - 10 days	S$115	S$140	S$175
11 - 14 days	S$136	S$166	S$219
15 - 18 days	S$186	S$209	S$255
19 - 22 days	S$208	S$242	S$283
23 - 27 days	S$228	S$264	S$316
28 - 31 days	S$252	S$276	S$346
Each additional week or part	S$40	S$56	S$67

Premium discount for Child– 50% discount for Child (under Individual Plan only) if accompanied by an insured adult for the entire period of insurance.

Definition of Child– A fully dependent child under the age of 18 years old or up to
23 years old who is studying full-time in higher institutions of learning and is not married nor in employment.

Eligibility for Family Plan:
You and your spouse with any number of Child.

Geographical Description

ASEAN:
Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam

ASIA:
Australia, China, Hong Kong, India, Japan, Korea, Macau, Mongolia, Nepal, New Zealand, Pakistan, Sri Lanka, Taiwan, Tibet and ASEAN countries

WORLDWIDE:
Anywhere in the World

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Annual Plan
- Premium based on Geographical Area
  Individual Plan
  
  Family Plan
  
  Annual Plan - ASIA¹
  S$280
  S$505
  Annual Plan - Worldwide²
  S$380
  S$665
  
  ¹ ASIA - Including Australia and New Zealand, but exclude Middle East Countries
  ² Worldwide - Anywhere in the World

General Exclusions

Summary of Main Exclusions applicable to Insure & Travel

Main Exclusions
- War and kindred risks and government acts
- Nuclear/Chemical/Biological Terrorism (LSW 1176)
- Nuclear hazards
- Unreasonable care and attention
- Racing, motor sports, mountaineering, flying as a pilot and crew member or other hazardous pursuits and underwater activities except leisure scuba diving under the supervision of a qualified diving instructor
- Self-inflicted injury or illness
- AIDS or AIDS Related Complex
- Alcoholism or drug abuse
- Pre-existing medical conditions
- Pregnancy including childbirth, caesarean operation, abortion, miscarriage (and all complications therefrom) except miscarriage due to accidental bodily injury as provided under Section 2(c) of the Policy contract
Personal Accident and Medical Expenses
- Medical treatment (except as specified) in Singapore
- Non-essential treatment or surgery
- Medical treatment being the specific purpose of the trip
Cancellation and Curtailment
- Failure to notify travel agent/tour operator or provider of transport or accommodation immediately if it is found necessary to cancel or curtail the travel arrangement
Travel Delay
- Failure of the Insured Person to check-in according to the itinerary supplied to him
- Strike or industrial action which was in existence at the date of purchase of this insurance
Baggage and Money
- Normal wear and tear
- Confiscation or detention by customs
- Damage to fragile articles
- Losses not reported to the police within 24 hours at the place of loss
- Baggage losses not reported to the carrier immediately
Personal Liability
- Injury to employees or members of the Insured Person's family
- Liability arising out of the use of vehicles, aircraft or watercraft
- Property belonging to or held in trust or in the custody or control of the Insured Person
- Liability directly arising from the Insured Person's specific pursuit of any trade, business or profession
- Liability assumed by the Insured Person by agreement

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Important Notice and Disclaimers

The above is provided for general information only and is not a contract of insurance. Full details of the terms, conditions and exclusions of the insurance are provided in the policy and will be sent to you upon acceptance of your application by United Overseas Insurance Limited ("UOI"). You may wish to seek advice from a qualified adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a qualified adviser, you should consider carefully whether this product is suitable for you. United Overseas Bank Limited ("UOB") does not hold itself out to be an insurer, insurance broker or insurance agent. The insurance products and services stated herein are provided by UOI.

This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/ LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

United Overseas Bank Limited Co. Reg. No.193500026Z
United Overseas Insurance Limited Co. Reg. No. 197100152R

Premium based on Geographical Area	Individual Plan	Family Plan
Annual Plan - ASIA¹	S$280	S$505
Annual Plan - Worldwide²	S$380	S$665

Insurance

Insure & Travel

Benefits

Table of Premiums

General Exclusions

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Useful Information