Tiq by Etiqa Travel Insurance: Is It Worth the Cost? Our Expert Review

In the event that you, the Insured Person(s) is engaged in an Accident and sustain Injury or face fatality within the following 12 months, the Insurer will provide compensation to you or your legal representative, as specified in Section 1 of the Table of Benefits.

Please note that the total sum of all benefits paid out will not surpass 100% of the Capital Sum insured, as outlined in the Scale of Compensation as follows:

Coverage begins three (3) consecutive hours prior to you leaving your residence or office for a direct trip to the departure point in Singapore, leading to your overseas destination. The coverage ends upon:

1. The expiration of the insurance period stated in the Policy;
2. Your return to your permanent residence; or
3. Within 3 hours of your arrival in Singapore, whichever occurs earlier.

Exclusions for Section 1:

The Insurer will not indemnify any claims related to permanent disablement or death arising from illness or infectious diseases.

Under this section, the Insurer will reimburse you, the Insured Person, for medical expenses incurred overseas due to injury or illness.

This coverage applies solely and independently of any other causes. 

The total reimbursement for medical expenses incurred overseas will not exceed the limit specified in the chosen plan from the Table of Benefits.

This benefit also covers expenses related to treatment by a physician, which are necessary due to injury or illness suffered solely and independently of any other causes while overseas. The coverage for each overseas trip is up to a total of $500.

If you are eligible for a refund or reimbursement from another source, or if there is existing insurance covering the events mentioned in this section, the Insurer will only be liable for the excess amount not covered by such other source or insurance, subject to the applicable limits.

Under this section, the Policy will reimburse you, the insured Person, for medical expenses incurred in Singapore, up to the limit specified in the Table of Benefits. These expenses cover medical treatment or follow-up medical treatment in Singapore for injuries or illnesses sustained while overseas.

This benefit also includes expenses for follow-up treatment in Singapore by a physician, up to $50, for injuries or illnesses sustained overseas.

You must adhere to the following time limits for seeking medical treatment:

1. If prior medical treatment has not been sought overseas, you must seek medical treatment in Singapore within forty-eight (48) hours from the date of return to Singapore. 

From the date of the first medical treatment in Singapore, you have a maximum of thirty (30) days to continue medical treatment in Singapore, within the limit stated under the Table of Benefits; or

2. If medical treatment has already been sought overseas, you have up to a maximum of thirty (30) days from the date of return to Singapore to continue medical treatment in Singapore, up to the limit specified under the Table of Benefits.

The total medical expenses incurred in Singapore will not exceed the limit stated under the Table of Benefits. If you are eligible for a refund or reimbursement from another source, or if there is existing insurance covering the events outlined in this Section, the Insurer will only be responsible for the excess amount not covered by such other source or insurance.

In the event that you, the Insured Person, is hospitalised overseas due to accidental bodily injury or illness contracted during your overseas stay, the Insurer will provide a payment of two hundred dollars ($200) for each twenty-four (24) hours, up to the limit specified in the Table of Benefits. This payment will be disbursed after the confinement period and upon the your return to Singapore.

In the event that you, the Insured Person, is hospitalised immediately upon your return to Singapore due to bodily injury or illness contracted overseas, the Insurer will pay the amount of one hundred dollars ($100) for each twenty-four (24) hours, up to the limit specified in the Table of Benefits. This payment will be made after the period of confinement in Singapore.

1. Hospital Confinement without Family Member:

In the event that you, the Insured Person, is hospitalised overseas for more than five (5) consecutive days due to injury or illness, and it is deemed medically inappropriate to relocate them or bring them back to Singapore for treatment, and no adult family member is present with them, we will cover the following, up to the limit specified in the chosen plan under Section 6:

Reasonable travel expenses (economy class airfare, rail, or sea transport fare) incurred by one relative or friend traveling from Singapore to the location your hospitalisation.

Reasonable hotel accommodation expenses for the relative or friend, allowing them to visit and stay with you throughout your hospitalisation period.

    2. Hospital Confinement with Family Member:

If you are hospitalised overseas for more than five (5) consecutive days due to injury or illness, and it is medically inappropriate to relocate you or bring you back to Singapore, and an adult family member is present with you during the trip, the Policy will cover, up to the limit specified in the selected plan under Section 6:

Administrative charges for postponement of the family member’s return travel to Singapore.

Reasonable hotel accommodation expenses incurred by the family member, starting from the 6th day of your hospitalisation.

The Insurer will determine the assessment of reasonable accommodation and travel expenses. Coverage under Section 6(b) will not apply if the family member is eligible for a refund of these expenses from another source, including other insurance policies or Section 14 of this Policy.

In the unfortunate event that you, the Insured Person, suffer a bodily injury or illness leading to your demise overseas, and no adult family member is present, the Insurer will provide reimbursement up to the limit stated in the Table of Benefits. 

This will cover the essential expenses for one relative or friend who travels to assist in the final arrangements at your destination.

It’s important to note that this policy will cover claims under either Section 6 or Section 7 for the same event, but not for both sections simultaneously.

In case you, the Insured adult person, are hospitalised overseas and have a child(ren) below the age of eighteen (18) years accompanying them, and there is no other adult present with the child(ren), the Insurer will cover the necessary expenses. This includes reasonable travel and hotel accommodation costs for a relative to accompany your child(ren) back to Singapore, within the limits specified in the Table of Benefits.

The Insurer will refund you, the Insured Person, up to two hundred dollars ($200) for all telephone charges accumulated while seeking the services of AGA during a medical assistance or emergency situation, for which a medical claim will be submitted under Section 2.

Emergency Expenses For Medical Evacuation, Repatriation, and Repatriation of Mortal Remains

The Insurer, in collaboration with AGA, will organise and cover the costs for the services, up to a maximum limit of $1,500,000 per occurrence for Section 10 and 11, subject to the listed exclusions.

In the event of an Injury or Illness occurring while you, the Insured Person, is Overseas, and if AGA or an authorised representative deems it medically appropriate to move you to another location or back to Singapore for treatment, AGA or your representative will facilitate the evacuation using the most suitable means based on the severity of your condition. The Insurer will directly cover the specified expenses for such evacuation as outlined in the Selected Plan under Section 10.

The evacuation methods organised by AGA or your representative may include air ambulances, ground ambulances, regular air transportation, trains, or any other suitable means of transportation. 

All decisions regarding transportation methods and the final destination will be made by AGA or the authorised representative, solely based on medical necessity. Covered expenses encompass services provided and/or arranged by AGA for the transportation, including medical services and necessary medical supplies incurred due to the emergency medical evacuation.

Exclusions for Section 10

The Insurer will not cover:

1. Expenses incurred for services provided by another party that you are not obligated to pay, or any costs already included in the scheduled Trip, such as the unused portion of the return air ticket for the scheduled Trip; and/or
2. Expenses for services not pre-approved and organised by AGA or an authorised AGA representative, unless the Insurer determines that such expenses were unavoidably incurred due to circumstances beyond your control, your Relative, or Travel Companion, or in cases where AGA was unresponsive during the emergency. 

In any case, the Insurer retains the right to reimburse you solely for expenses related to services that AGA would have provided under identical circumstances and up to the limit specified in the Selected Plan under Section 10.

In the event of you, the Insured Person, suffer an Injury or Illness Overseas that leads to demise within 30 days from the Injury or the onset of the Illness, AGA or an authorised AGA representative will handle the necessary procedures for repatriating your mortal remains to Singapore. 

The Policy will cover the reasonable expenses incurred Overseas for services and supplies provided by the mortician or undertaker, including essential items like a basic casket, embalmment, and cremation if chosen. However, this coverage excludes costs related to religious ceremonies or rites.

All arrangements for repatriation must be approved and coordinated through AGA, unless exceptional circumstances prevent such arrangements due to reasons beyond the control of your estate. In such cases, alternative arrangements must be reasonable and subject to our approval.

Exclusions Applicable to Section 11 – Repatriation of Mortal Remains to Singapore

The Insurer will not cover:

1. Any expenses related to services provided by another party for which you are not financially responsible, or any expenses already covered within the cost of a scheduled Trip. This includes, but is not limited to, the unused portion of the return air ticket for the scheduled Trip; and/or

1. Any expenses incurred for the transportation of your remains that were not approved and arranged by AGA or an authorised representative of AGA.

Exclusions Applicable Only to Sections 10 & 11

The following treatments, items, conditions, activities, and your related or consequential expenses are not covered under these sections, and AGA &/or the Insurer will not be responsible for:

1. Pre-existing conditions for which you have been hospitalised during the 12 months before the Trip or any medical condition diagnosed or treated by a Medical Practitioner, including prescribed drugs, within 6 months before the Trip.
2. Emergency Medical Evacuation or repatriation costs not pre-approved in writing by AGA and/or not arranged by AGA in advance. However, this exclusion does not apply to Emergency Medical Evacuation from remote or primitive areas where contacting AGA in advance is not feasible and delay could reasonably lead to loss of life or extreme harm to you.
3. Events occurring while you are within Singapore or your home country.
4. Expenses if you travel outside Singapore against the advice of a Medical Practitioner or to obtain medical treatment or rest and recuperation after a prior accident or illness.
5. Expenses if you are not suffering from a Serious Medical Condition or if the treatment can be reasonably delayed until your return to Singapore.
6. Treatment or expenses related to childbirth or pregnancy (except abnormal pregnancy or vital complications endangering the life of the mother or unborn child/children). In any case, coverage does not extend to childbirth, miscarriage (spontaneous abortion), or pregnancy after the sixth month.
7. Expenses related to Accidents or Injuries occurring during engagement in Extreme Sports, mountaineering, rock climbing necessitating rope use, underwater activities requiring artificial breathing apparatus, except leisure scuba diving no deeper than thirty (30) meters, speed contests, racing of any kind other than on foot, and all professional sports.
8. Expenses incurred for emotional, mental illness, and psychiatric disorders not arising from physical and strictly medical reasons.
9. Self-inflicted injury, suicide, drug addiction or abuse, alcohol abuse, sexually transmitted diseases, Acquired Immune Deficiency Syndrome (AIDS), or any AIDS-related conditions or diseases.
10. Treatment performed or ordered by a non-registered Medical Practitioner not following the standard medical practice as defined in the treatment country.
11. The cost of burial in your home country.
12. Expenses resulting from participation in war, riot, civil commotion, or any illegal act, including resulting in imprisonment or while serving in a police or military unit.

This section ensures your peace of mind. If certain unforeseen events occur within 60 days before your trip, leading to its cancellation, the Insurer got you covered:

1. Personal Events: If you, your spouse, child, parent, parent-in-law, grandparent, grandchild, brother, or sister face death, injury, or illness, causing the cancellation, the Insurer will reimburse your prepaid travel and accommodation expenses up to the limit specified in your plan.
2. Unexpected Events: Major unexpected events preventing you from travelling to your main destination are covered.
3. Damage to Residence: If your permanent residence suffers serious damage, you’re protected.
4. Legal Obligations: If you’re called as a witness in a Singaporean court or face compulsory quarantine, and it forces your trip cancellation, we’ve got your back.

Special Provision: If the cancellation results from the unexpected death of a relative or travel companion within 60 days before the trip, making your travel impossible, the Insurer will cover the replacement administrative expenses for changing travellers before the trip begins. This is a helpful alternative to (1) above.

In this section, “Cancellation” refers to the unavoidable termination of your trip after it’s arranged but before it commences. The Insurer’s coverage starts only when the policy is in effect. 

This coverage is effective only if:

To ensure your coverage works seamlessly, here are the conditions you need to be aware of:

1. Early Purchase: This policy is effective only if it’s purchased before you become aware of any circumstances that might disrupt your planned trip. The earlier, the better.
2. Documentary Proof: You need proof that you attempted to seek a refund from the transport or accommodation provider first. If your refund request is denied, we step in. We cover the remaining irrecoverable expenses after deducting any refunds you receive from the provider.
3. Timely Communication: It’s crucial to inform your travel agent, tour operator, or transport/accommodation providers as soon as you’re aware of any changes in your travel plans. Timely communication ensures a smooth process and helps us assist you effectively.

Exclusions for Section 12 Coverage

It’s important to understand the situations where coverage won’t apply:

1. Government Regulations: Loss caused directly or indirectly by government regulations or control is not covered.
2. Public Conveyance or Provider Cancellations: Loss caused by cancellations from public conveyances or other travel/accommodation providers is excluded.
3. Double Coverage: Any loss covered by another existing insurance scheme or government program is not eligible for compensation.
4. Non-Transport or Accommodation Expenses: Prepaid expenses for local excursions, tours, seminars, and other non-transport/accommodation charges won’t be reimbursed.
5. Last-Minute Purchases: If this policy is bought less than three (3) days before departure (except in cases of your or your Relative or Travel Companion’s death due to an Accident), coverage is not applicable.
6. Known Events: Loss resulting from a Major Unexpected Event that was publicly known when you booked the trip or purchased this policy won’t be covered.
7. Air Miles or Holiday Points: Compensation for air miles or holiday points used to pay for the trip is not included.
8. Late Notifications: Additional costs due to delayed communication with relevant transport or accommodation providers about changes in travel plans are excluded.

Please note: This policy will pay for claims under either Section 12 or 13 for the same event, but not both. 

This section ensures you’re protected if your trip is cancelled due to your travel agent’s insolvency. Here’s how it works:

The Insurer will reimburse you up to the specified limit in your chosen plan if your trip is cancelled because the travel agent you booked with goes bankrupt.

Exclusions for Section 13

1. Government Regulations: Loss caused directly or indirectly by government regulations or control is not covered.
2. Provider Cancellations: Loss caused by cancellations from public conveyances or other travel/accommodation providers is excluded.
3. Double Coverage: Any loss covered by another existing insurance scheme or government program is not eligible for compensation.
4. Provider Reimbursement: If the hotel, airline, travel agent, or any other provider refunds your money, this policy won’t pay.
5. Pre-existing Financial Issues: Insolvency or bankruptcy filed before purchasing this insurance won’t be covered.
6. Last-Minute Purchases: If this insurance is bought less than three (3) days before departure (inclusive of the departure date), it won’t be valid.

Please note: This policy will pay for claims under either Section 12 or 13 for the same event, but not both. 

This section provides coverage if you need to cut your trip short due to unexpected events. Here’s what it covers:

The Insurer will pay for your lost deposit, additional travel expenses, and the pro-rated amount for each incomplete day of your remaining trip after adjusting for any recovered sums. The coverage limit is as stated in the Table of Benefits.

Eligible Events for Trip Curtailment

1. Serious Bodily Injury or Illness: If you suffer a serious bodily injury or illness, and a written medical advice supports your need to return to Singapore.
2. Hijacking: Coverage is provided if the aircraft you’re travelling on is hijacked.
3. Unexpected Death or Injury/Illness: If there’s an unexpected death, injury, or illness of your relative or travel companion, leading to your decision to return home.
4. Major Unexpected Event: If an unforeseen major event occurs, preventing you from continuing your scheduled trip.
5. Medical Quarantine: If medical advice mandates quarantine, hindering you from continuing your trip.

Please Note: You need a medical certificate from the treating Medical Practitioner to confirm serious bodily injury or illness, ensuring your claim can be processed.

Exclusions Applicable to Section 14

This section outlines situations where coverage will not be provided for trip curtailment. It’s important to be aware of these exclusions:

1. Government Regulations and Service Provider Errors: Claims resulting from government regulations, amendments, or delays in the booked trip. This includes errors, omissions, or defaults by service providers, travel agents, or tour operators.
2. Lack of Necessary Documents: Coverage is not applicable if you fail to obtain the required travel documents.
3. Business, Financial, or Contractual Obligations: Claims related to your business, financial, or contractual obligations, or those of your travel companion, are not covered.
4. Personal Disinclination or Financial Constraints: Coverage will not be provided if you choose not to travel due to personal reasons or financial constraints.

The Policy provides comprehensive coverage to ensure your peace of mind throughout your trip.

Coverage Highlights:

Imagine you find yourself in an unforeseen situation, perhaps due to a natural disaster at your planned destination. In such cases, your personal belongings, including items purchased during your trip and those already in your possession, are protected. This coverage isn’t limited to the cost of lost or damaged items; it extends to your clothing and personal effects stored in the lost baggage or items you are wearing or carrying.

The items must either be owned by you, in your custody, or entrusted to you to be eligible for coverage. There are specific limits in place: a maximum of $250 per item or pair/set of items. Additionally, if you carry a laptop computer, it is covered up to $1,000, and this applies to one item per policy.

The Insurer understands that sometimes accidents happen. That’s why they consider wear and tear and depreciation when settling claims. In case of loss or damage, they may choose to make a payment, reinstate, or repair the damaged personal baggage, always striving to provide the best solution for your situation.

The Insurer will use the following table as a guide to determine the items’ fair value:

In the event of lost or damaged baggage, report the incident within 24 hours. Additionally, inform the hotel, airline, or any service provider involved, as they have jurisdiction at the location of the loss.

When making a claim, ensure you have proof of denial from the airline or service provider. This documentation is essential for proper claim processing.

To ensure a successful claim, it’s important for you to take reasonable precautions. This includes:

1. Never Leaving Baggage Unattended: Always keep an eye on your baggage and personal effects, especially in public places. Avoid leaving them unattended to minimise the risk of loss or theft.
2. Ensuring Safety: Take necessary precautions to safeguard your personal property and baggage. Being vigilant enhances the security of your belongings.

Claims for lost or damaged baggage should be made directly to the airline or service provider first. If a payment is made under this policy, proof of compensation received from the airline or service provider must be provided, or proof of denial if compensation is denied.

Exclusions for Section 15: Protecting Your Valuables

1. Failure to Report Promptly: The Insurer is unable to process claims for losses not reported to the police or transport carrier within 24 hours of discovery.
2. Excluded Items: Certain items are not covered, including animals, motor vehicles, boats, perishables, antiques, art objects, and more. Additionally, losses due to wear and tear, insects, or inherent damage are not eligible for coverage.
3. Loss Due to External Factors: Loss or damage resulting from government actions, insurrections, or customs regulations, as well as losses covered by other insurance policies, are excluded.
4. Unattended Property: Loss or damage to baggage left unattended in public places is not covered, emphasising the importance of vigilance.
5. Negligence and Wilful Acts: Claims cannot be made for losses due to your negligence, wilful acts, or carelessness.
6. Excluded Items: Various items like fragile articles, cash, credit cards, and travel documents are not covered. Additionally, losses due to mysterious disappearances are excluded.

Please note that this policy allows claims under Sections 15, 16, or 18 for the same event but restricts payment to only one of these sections. 

• Minimum Delay Requirement: The Insurer will not provide compensation unless the delay in receiving checked-in baggage exceeds six (6) hours after you arrive at the baggage pick-up point Overseas or in Singapore.
• Maximum Compensation Limit: The compensation provided is limited to $100 for every six (6) consecutive hours, with a maximum payout as per the Table of Benefits. This amount is applicable per claim, not per individual piece of baggage.

• Documentation Requirement: To process a claim, a Property Irregularity Report or equivalent document issued by the carrier is essential. This report should specify the date and time of the loss and the date and time the baggage was eventually delivered to you.

• Restriction on Multiple Claims: This policy allows claims under Sections 15, 16, or 18 for the same event, but only one of these sections will be compensated. Claims cannot be made under multiple sections for the same baggage delay event.

• Reporting Requirement: To qualify for indemnity, any loss of travel documents, money, or related expenses must be reported to the local police within twenty-four (24) hours of the incident. A copy of the police report is mandatory for processing the claim.
• Eligible Loss Causes: The Policy will only indemnify you for costs incurred due to robbery, burglary, theft, or Natural Disasters while Overseas. Losses not arising from these specified events are not covered.

• Limitation on Replacement Passports: If replacement passports are to be obtained upon your return to Singapore, the coverage is limited to the actual cost of obtaining the passports. Transport or other incidental costs incurred in Singapore are not covered.

• Maximum Reimbursement for Cash Loss: The policy reimburses you up to $350 (based on the selected plan) for the loss of cash, travellers’ cheques, or bank notes due to robbery, burglary, theft, or Natural Disasters Overseas. Claims must be supported by written documentation from the local Police and reported within twenty-four (24) hours of the loss.

Exclusion for Section 17: Loss of Travel Document (Including Money)

The Policy will not pay for:

• Exchange Rate or Depreciation Loss: Any shortage in the claimed amount due to fluctuations in the exchange rate or depreciation in the currency’s value is not covered under this policy.

• Unreported Loss of Travellers’ Cheques: Loss of travellers’ cheques must be immediately reported to the local branch or agent of the issuing authority. Failure to report the loss promptly may result in non-payment of the claim.

In the event that the departure of your scheduled public conveyance or any licensed air, land, or water transport, part of an organised tour, is delayed for three (3) consecutive hours or more due to major unexpected events, civil unrest, riot, commotion, strike, adverse weather conditions, mechanical breakdown, or structural defect, this Policy will cover accordingly.

Exclusions for Section 18: Travel Delay

1. Short Delays: Delays lasting less than three (3) consecutive hours are not covered under this policy.
2. Excluded Transport: Delays involving taxis, private cars, or any unlicensed conveyances are not eligible for compensation.
3. Non-Covered Causes: Delays not caused by major unexpected events, such as civil unrest, riot, commotion, strike, adverse weather conditions, or mechanical breakdown/derangement are excluded from coverage.
4. Delays in Singapore: Compensation for delays within Singapore is capped at a maximum of $50, provided the delay extends for a minimum of three (3) hours.
5. Failure to Follow Itinerary: Resulting from your failure to adhere to the provided itinerary, including failure to check in as per the supplied schedule. Also, if you do not obtain written confirmation from the carriers or your agents regarding the number of hours delayed and the reason for the delay.
6. Known Events: Arising from major unexpected events, civil unrest, riot, commotion, strike, adverse weather conditions, or actual or suspected mechanical breakdown/derangement or structural defect of the public conveyance. However, this exclusion applies if these events were publicly known at the time you booked the trip or purchased this insurance, whichever occurred last.

Note: This policy will pay for any claim under either Section 18 or 19 for the same event but not for both.

Under this policy, the Insurer will provide compensation to you, the Insured Person, in the event of flight diversion:

• Compensation Amount: You will receive $100 for every six (6) consecutive hours of delay.

• Maximum Limit: The compensation is capped at a maximum limit of $300.

Conditions for Coverage:

Reasons for Diversion: Compensation will be provided if the scheduled flight is diverted due to a major unexpected event, adverse weather conditions, actual or suspected mechanical breakdown or derangement, or structural defect of the air carrier. These conditions must prevent you from continuing your trip or result in a delayed arrival at the planned destination.

Exclusion for Section 19: Flight Diversion

This policy does not cover flight diversions resulting from a major unexpected event or adverse weather conditions that were publicly known at the time the you booked your trip or purchased this insurance, whichever occurred last.

Please note that this policy will only pay for any claim under either Section 18 or 19 for the same event, not for more than one of these sections.

In the event that you, the Insured Person, are unable to board the aircraft while overseas due to flight overbooking, despite having a confirmed reservation from the airline, and no alternative transportation is provided within six (6) consecutive hours, the insurer will compensate up to the limit specified in the Table of Benefits. This benefit is applicable once for each trip originating from Singapore.

Please be aware that this policy will cover claims under either Section 20 or 21 for the same event, but not for more than one of these sections.

In the event that you, the Insured Person, missed a confirmed onward travel connection while overseas at the transfer point due to the late arrival of your incoming confirmed connecting carrier, or any air, land, or water conveyance operating under a valid license in the country you are in (except taxis and private cars), and no alternative onward transportation is provided within six (6) consecutive hours from your arrival, the Insurer will cover reasonable expenses for hotel accommodation, meals, or refreshments up to the specified limit in the Table of Benefits.

Exclusion applicable to Section 21

The Insurer will not pay for any claims under this section if you, the Insured Person’s incoming carrier was scheduled to arrive after the stated check-in time required by the connecting carrier.

Please note: This policy will only cover claims under either Section 20 or 21 for the same event, but not for more than one of these sections.

Here’s what the Policy covers:

1. Personal Emergencies: The Policy will cover if there’s a death, serious illness, or injury affecting you, your family, or your travel companion. Also, if you’re put under compulsory quarantine.
2. Unforeseen Events: Major unexpected events that hinders your travel plans.
3. Home Trouble: Serious damage to your home in Singapore due to a fire or natural that happens within 1 week before your departure.
4. Legal Obligations: Unexpected court appearance.
5. Guardian’s Postponement: If you’re a child and your legal guardian, who’s also your travelling companion, has to cancel due to any of the reasons above, we’ve got your delay sorted out.

Exclusions for Section 22

1. Government Regulations: Any loss or charge stemming from government regulations or control won’t be covered.
2. Cancellation by Providers: If your plans change due to cancellation by the carrier or any other travel or accommodation provider, it’s not covered.
3. Overlap with Other Insurances: If the situation is already covered by another insurance scheme or government program, we can’t provide additional coverage.
4. Refunds from Providers: If hotels, airlines, travel agents, or other providers refund your money, we won’t double-pay.
5. Last-Minute Purchases: If you buy this insurance less than three (3) days before departure, it won’t cover postponement unless it’s due to your death or the death of a Relative or Travel Companion caused by an accident.
6. Known Unexpected Events: If the unexpected event was publicly known when you booked your trip or purchased this insurance, it won’t be covered.
7. Air Miles and Points: Compensation for air miles, holiday points, memberships, or credit card redemptions used to pay for the trip won’t be covered.

Under Section 23 of the Policy, the Insurer provides coverage for legal liability to a third party during your overseas trip, including:

1. Death or accidental Bodily Injury to a third party; or
2. Accidental loss of or damage to a third party’s property.

This coverage extends up to the specified limit.

Exclusions for Section 23

1. Property Exclusion: Benefits do not apply to property belonging to your family member or employee, or property considered legally as your employee.
2. Family and Employee Liability: No coverage for liability towards family members, employees, or those legally considered employees.
3. Personal Property: No coverage for liability involving property owned or controlled by yourself.
4. Contractual Liability: Liability assumed under a contract is not covered.
5. Intentional or Unlawful Acts: No coverage for liability arising from your intentional, malicious, or unlawful acts.
6. Specific Possessions: Liability involving vehicles, aircraft, watercraft, firearms, or animals is not covered.
7. Ownership or Occupation: Liability related to owning or occupying land or buildings (except temporary residences) is excluded.
8. Trade, Business, or Profession: Liability related to any trade, business, or profession is not covered.
9. Criminal Acts: No coverage for liability arising from criminal acts or legal costs related to criminal proceedings.
10. Participation in Races: Liability arising from participation in motor rallies, car, motorcycle, boat, or aerial racing is excluded.
11. Jurisdiction: Judgments not obtained from a court of competent jurisdiction within Singapore are not covered.
12. Punitive Damages: Punitive, aggravated, or exemplary damages are not covered.

Additionally, as a condition for our liability, you must not make any payments, admit liability, or engage in litigation without the Insurer’s written approval.

If the plane you’re on gets hijacked for more than six hours, the Insurer will pay up to $250 (depending on the plan) for every six consecutive hours, up to the limit in the benefits table.

The Insurer will also pay the same amount if you are held hostage due to a kidnapping during the trip.

Exclusion to Section 24

1. Fraudulent or Criminal Acts: If you are involved in fraudulent, dishonest, or criminal activities.
2. Specific Locations: Events occurring in your country of residence, regions like Central or Southern America, Africa, or any country where United Nations armed forces are active.
3. Property Loss: Actual loss or damage to any type of property, including intellectual property, as a result of kidnapping and hostage situations.

As a condition prior to assuming liability, the Insurer requires:

1. Proof of Event: Clear evidence that the event has taken place.
2. Immediate Notification: Prompt oral and written notification of the incident and regular updates on any ongoing activities during the event.
3. Law Enforcement Involvement: If it is in your best interest, notify the relevant national or other appropriate law enforcement agency with jurisdiction over the matter.

If you, the Insured Person, is unable to complete the return leg of your planned trip due to:

1. Serious Bodily Injury or Serious Illness affecting you, or
2. Unavoidable delays of the scheduled Public Conveyance caused by strike, adverse weather, or mechanical issues,

Your insurance coverage will be extended automatically. This extension lasts for up to seven (7) consecutive days at no extra cost. However, you must provide relevant documents proving the situation to the Insurer.

The Insurer provides coverage for death or permanent disablement resulting from any Act of Terrorism. Compensation will be paid up to the limit specified in the Table of Benefits.

Free Travel Assistance Service

As part of the Insurer’s service, you can access the following assistance services provided by AGA:

1. Travel Information And Emergency Assistance Services
2. Pre-Trip Information Services
3. Inoculation Requirements & Visa Requirements
4. 24-hours Emergency General Travel Assistance (English & Mandarin)
5. Embassy Referral
6. Loss Luggage Assistance
7. Loss Passport Assistance
8. Emergency Message Transmission Assistance
9. Interpreter Referral
10. Telephone Medical Advice
11. Medical Service Provider Referral
12. Arrangement of Appointment with Local Doctors
13. Arrangement of Hospital Admission
14. Guarantee of Medical Expenses Incurred
15. Monitoring Medical Condition during Hospitalisation with the Attending Physician

To access these services, simply dial +65 6415 8694, the Emergency Services Hotline, and provide your policy number. Consultation with AGA is free. Any third-party costs and expenses incurred are covered under this Policy, subject to the terms and conditions outlined.

The Insurer will compensate you for loss or damage to your Home Contents within your Home caused solely and directly by a fire or burglary during your Trip.

This section specifically pertains to Tiq Travel Insurance Pre-Ex Plans and applies exclusively to single return trips lasting up to thirty (30) days.

For any claim under Section 28, you or your representative must promptly contact AGA when circumstances permit.

To qualify for Tiq Travel Insurance Pre-Ex Plan cover, you must meet the following criteria:

1. You must adhere to your treating doctor’s advice regarding all pre-existing medical conditions. This includes not refusing or delaying any monitoring, medical appointments, tests, medications, treatments, or surgeries.
2. You must not have any medical condition or symptoms for which you have not consulted a doctor, or for which they are awaiting medical tests, results, diagnoses, treatments, or surgeries.
3. In the last 12 months, you must not have had any pre-existing medical condition that necessitated:

• Multiple visits to a hospital’s Accident and Emergency Department.
• Inpatient stays in a hospital for more than three consecutive days.

• Multiple inpatient stays in a hospital

What is Covered

During a trip outside Singapore, if you, the Insured Person, experiences an acute onset of a pre-existing medical condition, the Insurer will extend the benefits under the following sections:

Section 2 – Medical Expenses Incurred Overseas: Covers medical expenses you incurred by up to thirty (30) days from the date of the acute onset of the pre-existing medical condition during the trip.

Section 4 – Overseas Hospital Income: Provides coverage for overseas hospital expenses incurred due to the acute onset of a pre-existing medical condition during the trip.

Section 10 – Emergency Medical Evacuation: Covers expenses related to emergency medical evacuation necessitated by the acute onset of a pre-existing medical condition during the trip.

Section 11 – Repatriation of Mortal Remains: Covers the expenses for repatriating mortal remains to Singapore, if the acute onset of a pre-existing medical condition results in demise during the trip.

The maximum amount payable for the sections extended under this Section 28 is specified in the Table of Benefits. Please note that these limits are sub-limits of the respective sections extended and are not in addition to the limits stated in each section.

Exclusion to Section 28

In addition to the General Exclusions (pages 35-36), this Section does not cover claims arising from:

1. Any pre-existing medical condition that worsens within thirty (30) days before the trip’s commencement, necessitating specialist consultation, investigative tests, surgery, altered treatment, medication, or dosage adjustments. (Note: Routine changes for lowering blood cholesterol are exempt.)
2. Terminal illness, regardless of whether the diagnosis occurred before or after obtaining this insurance.
3. Outpatient medical treatments are not covered under this section.
4. Medical expenses incurred in Singapore are not part of the coverage.