Do you know…?

Premium is the SAME regardless if you activate your travel policy 1 day or 1 month before the trip, but majority of travellers miss out from benefits such trip cancellation, trip postponement, closure of travel agent, etc. Find out why?

Key Differences Between Chartis Travel Guard and NTUC Travel Insurance

Overseas Hospital Income

• Travel Guard - Pays $200 for every complete day You are hospitalised overseas; up to $10,000 for Classic Plan, $30,000 for Superior and $50,000 for Premier Plan (Section 5).

• NTUC - Pays S$100 (up to $5,000 for Classic) and $200 (up to $10,000 for Deluxe) of hospital confinement up to 50 days (Benefits 7).

Emergency Telephone Charges

• Travel Guard - Reimburses You for telephone charges incurred by use of Your or a third party’s personal mobile phone or of a phone using a standard LAN Line in contacting Travel Guard for 24-hour medical assistance (Section 13).

• NTUC – Reimburse telephone charges incurred for personal mobile phone. NO payment shall be made for calls via any fixed telephone line or LAN line (Benefits 22).

Personal Accident

• Travel Guard – Cover commences 3 hours before the time You leave Your permanent place of residence or office for a direct journey to the place of embarkation in Singapore and to the intended destination(s) overseas (Section 15).

• NTUC – The cover for an Insured Person commences from the time an Insured Person leaves his/her place of residence or business to proceed directly to the place of embarkment in Singapore to commence travel to the intended destination(s) (General Conditions 1.1).

Trip Cancellation

• Travel Guard – Trip Cancellation benefit starts 60 days prior to departure date (Section 18).

• NTUC - Trip Cancellation benefit starts 30 days prior to departure date (Benefits 11).

Child/Children’s Definition

• Travel Guard – Unmarried person or persons not older than 18 years of age or below 23 years of age if such person(s) is studying full-time or enrolled to study full-time in a recognized institution of learning or higher learning during the Policy period (Part I Policy Definitions).

• NTUC - Child shall mean a person age from 30 days to below 21 years (Part V Definitions).

General Conditions/Exclusions

• Travel Guard – “protects you while you enjoy leisure amateur sporting sports, such as scuba diving, water sports, winter sports, skydiving, mountaineering, rock-climbing and trekking” Chartis Travel Guard

• NTUC – Does NOT cover claims for loss or liability directly or indirectly caused by or arising from:
  “engaging in any hazardous activities/sports including but not limited to caving, potholing, rock climbing (except on man-made walls) or mountaineering necessitating the use of ropes, any underwater activities involving the use of underwater breathing apparatus, sky diving, cliff diving, bungee jumping, BASE (Building, Antenna, Span, Earth) jumping, para gliding, hang gliding, parachuting, white water rafting, dragon boating, hunting, horse riding, polo, show jumping, mountain biking unless otherwise agreed in writing by us, but not including the following activities carried out for leisure under the supervision of a licensed guide or instructor: hot air balloon ride whilst airborne, ice or winter sports, hiking or trekking” General Exclusions l.

  The following activities/risks can be covered (under NTUC travel insurance) by payment of an additional premium:

  Activities	Additional Premium
  Mountaineering (East and West Malaysia) Underwater activity involving the use of breathing apparatus Motorcycling	50% loading 25% loading 25% loading

  (more information can be found in http://www.income.com.sg/insurance/Travel/premium.asp)

Disclaimer:
The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the relevant products and services, but are provided solely for general informational purposes; please refer to the actual policy or the relevant product or services agreement. Information last updated on 18 Feb 2011.