• Family Plan
• Trip Duration
• Commencement of Coverage
• Duplicate & Refund Coverage
• Main Exclusions
• PRE-EXISTING MEDICAL CONDITION
• Country Exclusion

Family Plan
• Per Trip:For 1 or 2 adults travelling with any number of children. The 2 adults need not be related but each child must be related to either of the insured adults. The family must travel and return together.

• Annual Multi-Trip:For a legally married couple and any number of children. Each child must be accompanied by either of the insured adults under this plan for any trips made during the Policy Period. Couple can travel separately.

• Child or Children shall mean an unmarried person or persons under 18 years of age or below 23 years of age if such person(s) is enrolled to study full-time in a recognized institution of learning or higher learning during the Policy period.

 
Trip Duration
• Per Trip means one trip which does not exceed 182 consecutive days.

• Annual Multi-Trip means multi trips over the annual period specified in the policy schedule where each trip shall not exceed 90 consecutive days from the date of departure to the date of return to Singapore.

 
Commencement of Coverage
• Travel Cancellation (Section 18) is effective either: (a) 60 days before the date of departure, or (b) from the date of purchase of the policy which must be at least 3 days before the departure date (excluding the date of departure) for this benefit to respond, whichever is later.

• Personal Accident Protection (Section 15) commences 3 hours before the Insured Person(s) leave(s) Singapore and cease(s) whenever any of the following occurs first: (a) when the period specified in the policy has expired, (b) when the Insured Person(s) return(s) to his/her/their permanent place of residence, or (c) within 3 hours upon arrival back in Singapore.

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Duplicate & Refund Coverage
• If the Insured Person is covered by more than 1 Policy underwritten by the Company for the same trip, the Company will consider the person to be insured only under the Policy which provides the highest benefit level.

• No refund of premium is allowed once the Policy has been issued.

 
Main Exclusions
• AIDS; mental or nervous disorders; suicide or self-inflicted injuries.
• Childbirth & Pregnancy (except Section 3 and Section 7).
• Gemstones.
• Flight duty (except as a passenger) or manual work.

 
PRE-EXISTING MEDICAL CONDITION means any condition for which:
a) You received medical treatment, diagnosis, consultation or prescribed drugs within a twelve (12) month period preceding the commencement of a Trip; or

b) Medical advice or treatment was recommended by a Medical Practitioner within a twelve (12) month period preceding the commencement of a Trip; or

c) A reasonable person in the circumstances would be expected to be aware of within a twelve (12) month period preceding the commencement of a Trip.

 
Country Exclusion
Chartis Singapore Insurance Pte. Ltd. will not cover any loss, injury, damage or legal liability arising directly or indirectly from travel in, to, or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan or Syria.

Note: Please refer to the Policy for the specific terms, conditions and exclusions.

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