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Moto-V.sg _ THE INFO CHAPTER _ Travel Insurance
Posted by: 2_wheeler Dec 3 2006, 10:37 AM
Here is the info for bikers traveling on bikes based on NTUC Income Travel Insurance policy.
THE BENEFITS
We will provide during the Period of Insurance specified in the Certificate of Insurance the following benefits subject to the terms, conditions, exceptions and exclusions appearing in this Policy. Our maximum liability for each Insured Person in respect of one or more injuries or occurrences shall not exceed the limits shown in the Table of Coverage. We will indemnify you against all costs and expenses covered by this Policy, subject to satisfactory documentary proof.
1. PERSONAL ACCIDENT
If you sustain bodily injury caused by violent, accidental, external and visible means which is the sole causeof death or disablement, we will pay you or your legal personal representative(s) the benefits specified in the Table of Coverage.
2. MEDICAL EXPENSES
If you suffer an Injury, Sickness or Disease that occurs fortuitously outside Singapore we will pay:
(a) The reasonable cost of medical, surgical, hospital, ambulance, nursing home, emergency dental charges & other treatment given and authorised by a qualified medical practitioner necessarily incurred by you whilst overseas up to the limit specified under Section 2 shown in the Table of Coverage or for a period of up to 30 days, whichever occurs first. Expenses incurred for treatment by Traditional Chinese Medicine (TCM) is subject to a maximum of S$300.
(b) The reasonable costs and charges of the above types of treatment or of any such follow-up treatment, if incurred in Singapore, shall not exceed 5% of the limit specified under Section 2 shown in the Table of Coverage or a period of more than 30 days upon your return to Singapore, whichever occurs first. If prior medical treatment has not been sought overseas, you must seek medical treatment in Singapore within 7 days upon return to Singapore. Dental treatment upon return to Singapore is not payable. Expenses incurred for treatment by Traditional Chinese Medicine (TCM) is subject to a maximum of S$300.
3. EXTENSION OF STAY
We will reimburse the reasonable additional accommodation and additional travelling expenses up to the limit specified in the Table of Coverage necessarily incurred by you to remain behind and/or a travelling companion who, on the written advice of a qualified medical practitioner, remains with or escorts you until you are able to resume your journey or return to Singapore or up to a period of 30 days from the expiry of the Period of Insurance, whichever occurs first.
4. COMPASSIONATE VISIT
If you are hospitalised overseas for more than 5 consecutive days as a result of Injury, Sickness or Disease sustained during the trip and your medical condition forbids medical evacuation and no adult family member is with you, we will reimburse the reasonable additional accommodation and travelling expenses necessarily incurred by your family member who on the written advice of a qualified medical practitioner travels to and remains with you until you are able to resume your journey or return to Singapore or up to a period of 30 days from the expiry of the Period of Insurance, whichever occurs first.
5. HOSPITAL CONFINEMENT ALLOWANCE
We will pay S$100 per day for Classic Plan and S$200 per day for Deluxe Plan subject to a maximum of 50 days if you suffer an Injury, Sickness or Disease that occurs fortuitously outside Singapore and requires hospitalisation in a foreign country for at least 24 hours.
6. EMERGENCY MEDICAL EVACUATION EXPENSES
We will pay the reasonable cost of transportation and en-route medical care and supplies necessarily incurred as a direct result of illness and/or accident, if in the opinion of NTUC Income or its authorised representative, it is necessary to evacuate you to another location for treatment. All decisions as to the means of transportation and the final destination will be made by NTUC Income or its authorised representative and will be based solely upon medical necessity.
7. REPATRIATION EXPENSES
If death occurs as a result of injury or illness whilst overseas, we will pay the reasonable cost incurred in obtaining the necessary clearance and arrange for the transportation and return of the mortal remains to your place of residence in Singapore.
8. HOSTAGE/KIDNAP BENEFIT
We will pay a benefit of S$100 per day for Classic Plan and S$200 per day for Deluxe Plan, subject to a maximum of 50 days, if you are wrongfully confined, abducted or restrained for a period of at least 24 hours, as a result of the use of criminal force while you are travelling overseas.
9. TRIP CANCELLATION/CURTAILMENT EXPENSES INCLUDING HIJACKING
We will reimburse the non-refundable portion of all travel costs prepaid in advance including the travel agent's cancellation fee should the journey for which this Insurance has been effected be cancelled or curtailed because of any of the following reasons:
(a) Your death or death of your family members or travelling companion.
(b) Serious injury, sickness or disease suffered by you or your family members.
© The bankruptcy or insolvency of the travel agent or airline.
(d) The public conveyance in which you are travelling in is hijacked, and your journey is interrupted as a direct result for at least 12 hours.
No payment shall be made for:
(a) expenses incurred after the cancellation or curtailment.
(b) loss arising directly or indirectly from your neglect, omission or failure to notify the travel agent/tour operator or provider of transport or accommodation immediately when it is found necessary to cancel the travel arrangement.
© that part of the Trip which had been undertaken up to the time of curtailment.
(d) that part of the Trip which will be paid or refunded by a travel agent or any other provider of travel and/or accommodation (including hotels and airlines) or any other person.
10. PERSONAL BAGGAGE
We will pay for the cost of loss or damage to your personal accompanied luggage and effects arising as a result of fire, explosion, lightning, theft or accident. We may at our option, replace or repair or pay a cash equivalent after making due allowance for wear & tear or depreciation in respect of any item more than 1 year old at the date of loss. The maximum payable is S$1,000 for lap-top computer and S$500 for any item or pair or set of items.
No payment shall be made for:
(a) any loss not reported to the police within 24 hours of the occurrence;
(b) any loss of or damage to watch, article of jewellery, article of precious metal, field glasses, fur, contact or corneal lenses or to papers, documents, travel tickets, money of any kind or stamps;
© any loss or damage due to pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds;
(d) any unattended baggage.
(e) any loss as a result of your failure to take due care and precautions for the safeguard and security of your luggage and effects
(f) any loss of data recorded on tapes, cards, discs or otherwise.
11. TRAVEL DOCUMENTS
We will reimburse you up to the limit specified in the Table of Coverage for the cost of obtaining replacement passports, travel tickets and other relevant travel documents lost as well as additional travel expenses and hotel accommodation incurred to replace lost travel documents if such loss is due to robbery, burglary, theft or natural disasters (such as tsunami, typhoon, earthquake, etc) whilst overseas.
12. LOSS OF MONEY
We will reimburse you up to the limit specified in the Table of Coverage for any loss of money belonging to you arising out of robbery, burglary or theft while overseas.
No payment shall be made for:
(a) any loss not reported to the police within 24 hours of the occurrence.
(b) any loss of cash cards or any other cards having a stored value.
13. EMERGENCY MOBILE PHONE CHARGES
We will reimburse you up to the limit specified in the Table of Coverage the actual telephone charges incurred for personal mobile phone used for the sole purpose of engaging the services of SOS during a medical emergency and for which a medical claim has been submitted.
No payment shall be made for:
(a) telephone calls made via standard LAN Line;
(b) public telephone using International Calling Card (ICC).
14. RENTAL VEHICLE EXCESS
We will reimburse you for any excess or deductible which you become legally liable to pay in respect of loss or damage to rental vehicle caused by an accident during the rented period while overseas. The rental vehicle must be rented from a licensed rental agency.
No payment shall be made for:
(a) any loss or damage to the vehicle while it is not in your custody and control;
(b) breach of the vehicle rental agreement or laws, rules and regulation of the country where the vehicle is rented or driven;
© any loss or damage to the vehicle if at the time of the accident, you were not licensed to drive the vehicle or you were taking part in or practising for speed or time trials of any kind.
15. PERSONAL LIABILITY
We will pay on your behalf the expenses including legal expenses incurred with our written consent in the event you become liable to compensate another person in damages for any bodily injury, death or loss of or damage to property caused by your wrongful act or conduct.
No payment shall be made for any:
(a) liability for injury, illness, loss or damage which results from a deliberate act or omission which could reasonably have been expected having regard to the nature and circumstances of such act or omission;
(b) liability in respect of loss of or damage to property in your charge or under your control;
© injury to your employees or members of your family;
(d) liability arising out of the use of vehicles, aircraft or any craft;
(e) liability directly arising from your specific pursuit of any trade, business or profession;
(f) liability assumed by you under contract;
(g) judgements which are not in the first instance delivered by or obtained from a court of competent jurisdiction within Singapore.
16. TERRORISM
We will pay you the benefits provided under sections 1 to 20 subject to the aggregate limit stated in the Table of Compensation for losses arising directly or indirectly from an Act of Terrorism. We will not pay for any losses directly or indirectly arising out of, contributed to or caused by, or resulting from or in connection with any act of Nuclear, Chemical or Biological terrorism regardless of any other cause or event contributing at the same time as or in any other sequence to the loss.
SPECIAL FEATURES
Automatic Extension Of Cover
We will automatically extend the cover without any additional premium if the conveyance in which you are travelling is delayed through no act or omission of yours, with the result that the journey is not completed when the Period of Insurance ceases. This extension is for a maximum of 14 days.
Worldwide 24 hours Emergency Assistance
We have arranged with SOS to provide you with a 24 hour emergency assistance service. The services available from SOS are medical advice, referral to doctors, specialists, hospitals, lawyers and interpreters, arrangement for bail bonds, travel assistance for loss of passport, embassy referral, medical evacuation/repatriation of patients, repatriation of mortal remains, despatch of doctors and medicine, compassionate visits, accompanied return of dependent children and hospital deposit guarantees.
All costs and expenses incurred for these services rendered are to be borne by you except for emergency medical evacuation expenses, medical repatriation of patients and repatriation of mortal remains which are covered under Benefits 6 and 7 of the Table of Coverage.
Attached File(s)
Table_of_Compensation_for_Bikers.pdf ( 76.47k )
Number of downloads: 23
Posted by: 2_wheeler Dec 3 2006, 10:49 AM
1. Do I need travel insurance, if I already have life and accident insurance?
Yes. Travel insurance covers many risks not covered by other insurance. These include medical expenses, emergency medical evacuation and baggage loss or theft. You are even covered for riots and earthquakes.
2. Do you provide coverage for people who travel frequently?
Yes. By purchasing an annual travel policy (Classic/Deluxe), you can make unlimited trips within the policy year and you need not call for activation each time you travel. The coverage per trip is up to 90 days.
3. What is a trip?
A trip for an Annual Travel Insurance Policy is defined as the period of time when you leave your residence and travel to the pre-arranged destination. The trip ends the moment you arrive back to your residence of 90 days, whichever occurs earlier. A trip for a Per-trip Travel Insurance Policy will commence at 00:01 hours of the date of commencement and ends at 23:59 hours of the date of expiry.
4. I'm traveling with my friends. Must I apply for more than one policy?
No. You can insure your friends under a group plan. You'll enjoy a better group discount if more people apply under one policy.
5. Do you provide cover for hazardous sports and motorcycling?
Yes. We've optional extensions to cover these activities with additional premium.
6. Does this travel insurance cover terrorism?
Yes. The cover has been extended to include terrorism without additional premium. Please refer to the benefits table for details.
7. What should I do if I need assistance while I am traveling?
You can call SOS International hotline number (65) 6334-4345 for assistance (from a lost/stolen credit card to evacuation services) while you are traveling.
8. How do we make a claim?
If you wish to make a claim, you have to complete a claim form and forward it to us with a copy of documentary proof within 30 days after completion of your journey. In the event of death or dismemberment, immediate notice will be required
9. If the insured is traveling overseas to seek medical treatment, can he take up the travel insurance policy?
The intention of the policy is to cover people who are traveling overseas for business or for holiday. It is not intended to cover people who are traveling to seek medical treatment.
10. Does travel insurance provide any cover for rental vehicle from overseas trip?
Yes. Travel insurance covers rental vehicle excess of up to S$500 under both plans - Classic or Deluxe. This benefit covers for any excess/deductible which insured is legally liable to pay in respect of loss/damage to rental vehicle caused by an accident during the rented period whilst overseas. The rental vehicle must be rented from a licensed rental agency.
11. What does Travel Insurance cover if one travel to SARS affected country?
The policy will cover for the cost of medical treatment if the insured contracted with SARS overseas. Should the insured diagnose with SARS only upon his return to Singapore and certify that it is contracted overseas, we will cover for the cost of medical treatment up to 5% of the limit for medical expenses (ie. S$25,000 for Deluxe plan and S$12,500 for Classic plan or reduced according if insured is 70 years old or above) or a period of up to 30 days upon insured return to Singapore, whichever occurs first.
12. Can death claim be made due to SARS?
We will cover for the bodily injury caused by violent, accidental, external and visible means which is the sole cause of death or disablement. Death due to disease and illness is not covered under the policy.
13. Does the policy covers pre-existing conditions?
The policy does not cover claims for loss or liability directly or indirectly caused by or arising from any pre-existing conditions for which the insured received medical treatment, diagnosis, consultation or prescribed drugs within the twelve (12) months period prior to the commencement date of the Period of Insurance
14. What is Serious Injury, Sickness or Disease?
Serious injury means a condition which is life threatening or renders you unfit to travel as certified by a qualified medical practitioner. Sickness or disease means sickness or disease contracted and commencing during the Period of Insurance.
15. Who are family members?
They are spouse, children, parents, brothers, sisters, grandparents and parents-in-law.
16. Do I need to make a nomination every time I go travel?
It is advisable to make a nomination unless you have a WILL. Otherwise, it will follow accordingly to Intestate Succession Act (Government Law).
17. Is my motorcycle/scooter covered under the travel insurance if I travel with it?
No. Your motorcycle/scooter will be covered under your current motor insurance.
Posted by: royong Dec 15 2006, 01:09 PM
Hi Ppl,
below is the info regarding AIG/AIA travel insurance. : )
The brochure itself;
http://www.aig.com.sg/pdf/AIGAssist.pdf
The term and condition;
http://www.aig.com.sg/pdf/AIGAssistTC.pdf
Why buy from AIG/AIA?
No Age Limit
AIGAssistâ„¢ Global Travel Insurance is for all ages; unlike some travel products in the market that impose an age limit.
No Deductibles
1st dollar policy. You will be reimbursed from the first dollar of all approved claims.
No Aggregate Limit for Family Cover
100% reimbursement for all approved claims for each member under the Family Plan.
High Medical and Accidental Dental Expense Reimbursement
Unparalleled Unlimited medical coverage. We will also take care of your follow-up medical treatment in Singapore.
Unlimited Medical Evacuation & Repatriation
And CASH-FREE as well. AIGAssistâ„¢will pay for all covered medical evacuation / repatriation expenses to make it hassle-free for you and your family.
Double Protection on Public Transport overseas
Accidental Death benefit is doubled in the event of accident whilst travelling in Public Transport overseas. This is including common air carrier.
Hospital Income Benefit
Pays up to $50,000. $200 per day for up to 250 days of hospitalisation.
Golfing Equipment and Lap-Top Coverage
Special Coverage for Household Contents
AIGAssistT is extended to cover your household contents against fire while you're travelling, if you select the Superior and Premier Plan.
Bonus Cover for Rental Vehicle Excess
Going on a drive holiday ? AIGAssistT covers the insurance excess on your rental vehicle, if you select the Superior and Premier Plan.
Annual Plan Advantage
Good news for frequent travellers, the AIGAssistT Annual Plan offers you unlimited trips up to 90 days per trip. Enjoy great savings and convenience.
Family Plan Advantage
No limit to the number of Children you have under the family plan. Great savings!
All Leisure Amateur Sporting Activities Covered
This includes Winter and Water Sports, rock climbing, mountaineering, bungee-jumping and more.
Maximum Length Per Trip is 182 Days For Each Single-Trip
What’s NEW :
Medical Expenses In Singapore
Medical Expenses Overseas for Pregnancy Related Sickness
Traditional Chinese Medicine Treatment
Hospital Income in Singapore
Emergency Telephone Charges
Automatic Extension of coverage
Loss of Travel Deposit due to Financial Collapse of the Travel Agent
Loss of Jewellery due to Theft or Robbery
Kidnap & Hostage Benefit
Terrorism Cover for all sections
War inclusion
Posted by: spectrum Dec 15 2006, 03:59 PM
Thks Gentlmen... 
Insurance is Highly Recommended when we Ride North for our Adventures.
NTUC/AIG/AIA are all good co.
They may differ in coverage, premium & payment.
Do call them if u have any Inquiry...
Jamerson: 96829392 (Silver Wing)
Roy Ong: 96909294 (Hornet 900)
Posted by: spectrum Dec 15 2006, 04:35 PM
I have brought for myself a on going monthly cover with AIG.
But its a small coverage of $2500 for Accident Med Reimbursement.
Max insured for life: $50 000
Permanent Loss - parts of body: $100 000
Premium: $9.20 deducted every mth thru credit card.
HAVE TO GO DOWN PERSONALLY TO
AIG Building
22 Martin Road.
Tel: 1800 220 2300
Mon-Fri 9am-5pm
(Near Mohd Sultan Rd outside CDB)
http://www.streetdirectory.com/asia_travel/travel/travel.php?travel_id=129&travel_site=23056
There's no evacuation by air/land.
Evacuation is quite important...
So for my longer trips... I will buy the reg. Ins
For the above gents... 
What's Important is...
Get YourSelf Covered By Insurance that include biking...
Posted by: 2_wheeler Oct 8 2007, 03:45 PM
NTUC INCOME Travel Insurance
updated as at 08/10/2007
Posted by: 2_wheeler Dec 11 2009, 03:44 PM
How many of us get travel insurance when we go JB for petrol, bike wash, supper, etc?
There many accident can happen when we just go for a short trip to Malaysia.
http://www.singaporebikes.com/forums/showthread.php?t=268240
http://www.singaporebikes.com/forums/showthread.php?t=266165
With an annual Travel Insurance plan, you can go Malaysia as and when you like it and be insured.
click here for
http://community.webshots.com/photo/fullsize/2358616250103036128wbTgDU
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