Benefits
Maximum Benefits (S$)
Part *Basic  Essential Standard Deluxe
1 Overseas medical expenses incurred due to sickness or injury
Insured person (under 70 years) $25,000 $250,000 $500,000 $1,500,000
Insured person (above 70 years) $10,000 $50,000 $100,000 $200,000
Insured child in a family plan $5,000 $250,000 $250,000 $500,000
2 Medical expenses incurred in Singapore post trip 
(i) for injury experienced while overseas
(ii) for sickness experienced while overseas and for which ERGO  arranged emergency medical evacuation    
Insured person (under 70 years) $1,000 $10,000 $25,000 $50,000
Insured person (above 70 years) $500 $1,000 $2,500 $5,000
Insured child in a family plan $500 $10,000 $15,000 $20,000
(iii) medical treatment or follow-up medical treatment upon return to Singapore for sicknessexperienced while overseas
Insured person (under 70 years) $500 $2,000 $5,000 $10,000
Insured person (above 70 years) $250 $1,000 $2,500 $5,000
Insured child in a family plan $250 $1,000 $2,500 $5,000
3 Medical expenses incurred overseas associated with women’s pregnancy   NA $2,000 $5,000 $8,000
4 Treatment by physician $150 $250 $300 $500
5 Hospital allowance
Overseas – $200 for each continuous 24-hour period  NA $10,000 $25,000 $50,000
In Singapore – $100 for each continuous 24-hour period  NA $500 $1,000 $1,000
6 Emergency medical evacuation  $20,000  unlimited  unlimited  unlimited
7 Repatriation of mortal remains  $20,000  unlimited  unlimited  unlimited
8 Emergency dental treatment – accident NA $1,000 $1,000 $1,000
9 Compassionate visit NA $3,000 $5,000 $10,000
10 Hospital visitation NA $5,000 $15,000 $25,000
11 Child transfer (repatriation if accompanying adults hospitalised) $5,000 $10,000 $15,000 $25,000
12 Emergency telephone expenses $50 $100 $200 $250
13 Automatic extension of policy for up to 30 days    yes  yes  yes  yes
14 Accidental death & dismemberment 
Insured person (under 70 years) $50,000 $150,000 $200,000 $500,000
Insured person (above 70 years) $25,000 $50,000 $100,000 $200,000
Insured child in a family plan $10,000 $50,000 $100,000 $200,000
15 Common carrier double cover
Insured person (under 70 years) NA $300,000 $400,000 $1,000,000
Insured person (above 70 years)  NA $100,000 $200,000 $400,000
Insured child in a family plan NA $100,000 $200,000 $400,000
16 Child education protection ($5,000 per child, max 4 children)  NA NA $20,000 $20,000
17 Trip Cancellation   NA $6,000 $12,000 $20,000
18 Trip postponement  NA $1,000 $2,000 $4,000
19 Trip cancellation due to insolvency $500 $2,000 $4,000 $8,000
20 Trip curtailment   NA $6,000 $12,000 $20,000
21 Loss of baggage including laptop computer & jewellery $1,000 $3,000 $5,000 $8,000
Single article limits $250 $500 $500 $500
Laptop/computer/tablet $1,000 $1,000 $1,000 $1,500
Jewellery and souvenirs NA $250 $500 $1,000
22 Baggage delay 
$200 for every full 6 consecutive hours of delay whilst Overseas
$200 max whilst in Singapore		 $400 $1,000 $1,000 $1,500
23 Loss of travel documents & money $500 $2,000 $3,000 $5,000
24 Flight diversion  $500 $1,000 $1,000 $1,000
25 Flight overbooking  NA $200 $300 $500
26 Trip delay    
$100 for every full 6 consecutive hours of delay whilst Overseas
$100 max whilst in Singapore		 $400 $1,000 $1,000 $1,000
27 Trip misconnection  NA $200 $200 $500
28 Credit card indemnity $250 $500 $1,000 $1,000
29 Personal liability overseas $500,000 $1,000,000 $1,000,000 $2,000,000
30 Kidnap & hostage  NA $3,000 $5,000 $10,000
31 Golfers cover
(i) golf equipment damage / loss  NA $500 $500 $1,000
(ii) golf hole in one  NA  NA $250 $500
(iii) green fees loss  NA  NA $250 $250
32 Home protection NA $1,000 $2,500 $5,000
33 Rental vehicle excess & return  NA $500 $1,000 $1,000
34 Hijack distress allowance – $300 for every full 6 consecutive hours  NA $5,000 $5,000 $5,000
35 Pet care  NA NA $250 $500
36 Adventure activity cover  NA NA  covered  covered
37 Terrorism cover  included  included  included  included
*Basic Plan is applicable for trips to Malaysia, Batam & Bintan islands only.
Note: Please refer to Policy for specific terms, conditions and exclusions. All amounts shown in Singapore dollars.

 

Premium
Region 1 – ASEAN
Includes: Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam
Trip Length Plan Type *Basic  Essential  Standard  Deluxe 
1 – 3 days Individual 7 21 28 41
Family 18 48 63 102
4 – 6 days Individual 10 24 39 62
Family 25 60 98 155
7 – 10 days Individual 14 34 54 88
Family 35 85 135 220
11 – 15 days Individual 20 43 68 110
Family 50 108 170 275
16 – 22 days Individual 30 62 95 155
Family 75 156 238 388
23 – 29 days Individual 45 80 118 198
Family 113 200 295 495
Each Additional Week Individual 10 16 24 39
Family 20 41 60 98
Annual Multi-Trip Individual NA 190 245 375
Family NA 340 496 783
Region 2 – ASIA 
Includes: Australia, China, Hong Kong, India, Japan, Korea, Macau, Mongolia, New Zealand, SriLanka, Taiwan, Timor-Leste and countries under ‘ASEAN’
Trip Length Plan Type  *Basic   Essential  Standard Deluxe 
1 – 3 days Individual NA  26 34 52
Family NA  60 83 130
4 – 6 days Individual NA  28 43 70
Family NA  70 108 175
7 – 10 days Individual NA  39 60 97
Family NA  98 150 243
11 – 15 days Individual NA  50 75 123
Family NA  125 188 307
16 – 22 days Individual NA  70 104 165
Family NA  175 260 413
23 – 29 days Individual NA  88 132 210
Family NA  220 329 525
Each Additional Week Individual NA  20 28 46
Family NA  50 70 115
Annual Multi-Trip Individual NA  210 275 400
Family NA  380 505 846
Region 3 – WORLDWIDE
Includes: The rest of the world including Nepal, Tibet and countries under ‘ASEAN’ and ‘ASIA’
Trip Length Plan Type *Basic Essential  Standard Deluxe
1 – 3 days Individual NA 35 52 70
Family NA 86 128 163
4 – 6 days Individual NA 48 58 86
Family NA 120 135 215
7 – 10 days Individual NA 58 69 109
Family NA 145 173 273
11 – 15 days Individual NA 79 89 143
Family NA 195 223 358
16 – 22 days Individual NA 98 122 196
Family NA 235 305 491
23 – 29 days Individual NA 130 159 253
Family NA 295 398 633
Each Additional Week Individual NA 25 33 50
Family NA 63 83 125
Annual Multi-Trip Individual NA 260 345 520
Family NA 525 635 1022
*Basic Plan is applicable for trips to Malaysia, Batam & Bintan islands only.
All amounts shown in Singapore dollars.