Travel Insurance Flashcards

What should Singapore travellers do if they need emergency medical treatment overseas?

Answer: Seek treatment immediately, contact the insurance company's 24-hour emergency hotline, and keep all medical receipts and reports for the claim

Get treatment immediately — health comes first. Contact your insurer's 24-hour assistance hotline as soon as possible. They can arrange hospital admission, guarantee payment, and coordinate evacuation if needed.

What is 'travel disruption' or 'travel delay' coverage in Singapore travel insurance?

Answer: Compensation for expenses incurred when your departure is delayed beyond a specified period, such as meals, accommodation, and transport

Travel delay coverage compensates for additional expenses (meals, accommodation) when your departure is delayed beyond the trigger period (typically 6 hours) due to weather, strikes, or mechanical breakdown.

Does Singapore travel insurance cover adventure sports and activities?

Answer: Many adventure activities (scuba diving, skiing, bungee jumping) are excluded from standard policies but can be covered with add-ons or specialised plans

Standard travel insurance often excludes high-risk activities. If you plan to do adventure sports, check the policy exclusions and purchase additional coverage or a specialised adventure travel plan.

What is 'emergency medical evacuation' coverage in travel insurance?

Answer: Coverage for the cost of transporting you to the nearest adequate medical facility or back to Singapore if local treatment is insufficient

Medical evacuation coverage pays for transport (air ambulance, commercial flight with medical escort) to a suitable medical facility or back to Singapore when local medical care is inadequate for your condition.

How should Singapore travellers file a travel insurance claim?

Answer: Notify the insurer as soon as possible, complete the claim form, and submit supporting documents (receipts, medical reports, police reports, delay certificates) within the specified timeframe

File claims promptly after the incident. Most insurers require claims within 30 days of return. Required documents include the claim form, original receipts, medical reports, police reports (for theft), and delay certificates.

What does 'personal liability' coverage in Singapore travel insurance protect against?

Answer: Legal liability if you accidentally injure someone or damage their property while travelling overseas

Personal liability covers your legal responsibility if you accidentally cause injury to a third party or damage their property while overseas. It pays for compensation and legal defence costs.