Explorer

Travel in the new norm with peace of mind

Why you will love this

New COVID-19 coverage for Essential and Ultimate Plans

Daily overseas hospitalization & quarantine allowance due to COVID-19

Automatic extension of cover with no extra premium due to COVID-19 (up to 30 days)

Who can apply

Adult above 18 years old

Child between 3 months and 18 years old or full-time student below 24 years old can apply for child coverage

Singaporean, Singapore PR or foreigner with a valid pass/work permit

 

Sign up and receive a S$20 HealthPass Wellness Store voucher Find out more

Be it for work, leisure, or to visit loved ones overseas, travel worry-free with our newly added COVID-19 coverage.

Important announcement

With effect from 5 November 2021, the COVID-19 coverage under our Ultimate and Essential plans will automatically extend to countries under the latest permitted travel arrangements as per the Singapore Government travel advisory at the point of your purchase.

Kindly note that some countries may require COVID-19 insurance coverage as a condition of entry. Please ensure you select a plan that meets the requirement of your intended destination(s). For full details of our COVID-19 coverage and exclusions, please refer to the Eligibility and Policy Wording.

Plans and coverage for

Plans and coverage for

Enjoy an enhanced COVID-19 coverage
Our Essential and Ultimate plans now include COVID-19 coverage under the Singapore Government travel advisory.

To be eligible, the following conditions must be met:

  • You have not served stay home notice, been quarantined due to COVID-19 or travelled to any countries other than the list of countries permitted as per Singapore Government travel advisory within 14 days before the commencement date of your trip.
  • If required by the authorities, you must take a COVID-19 Polymerase Chain Reaction (PCR) test or any COVID-19 equivalent test approved by Singapore authorities within 72 hours prior to the scheduled departure time of your trip and must be tested negative. Otherwise, there will be no coverage for overseas medical expenses and repatriation of mortal remains.
  • You have not been diagnosed with COVID-19 at the point of purchase.
  • You are purchasing a single trip two-way and annual multi-trip policies.

The following sub-limits apply for these coverages:

Benefits / Sum Insured (S$) Essential Plan
Enhanced coverage
Ultimate Plan
Most comprehensive coverage
Medical expenses incurred overseas
Covers the medical expenses incurred overseas if the insured is diagnosed with COVID-19 whilst overseas.
Child

S$50,000

S$150,000

Adult

S$50,000

S$150,000

Elderly adult aged 70 years and above

S$15,000

S$50,000

Maximum coverage limit for family plan

S$150,000

S$400,000

Emergency medical evacuation
Covers cost required for emergency medical evacuation expenses while overseas if insured person is diagnosed with COVID-19 overseas.
Maximum limit for each insured person

S$50,000

S$150,000

Maximum limit for family cover

S$150,000

S$400,000

Repatriation and compassionate expenses
Covers the cost of transporting Insured Person's body and ashes back to Singapore if he/she dies overseas due to COVID-19.
Cost of repatriation

S$5,000

S$5,000

Travel inconveniences
Trip interruption

(If you or a travel companion is diagnosed with COVID-19 while overseas)

S$3,000

S$4,000

Trip cancellation

(If you, a relative, or a travel companion is diagnosed with COVID-19 before your trip commences)

S$3,000

S$5,000

Trip postponement

(If you, a relative, or a travel companion is diagnosed with COVID-19 before your trip commences)

S$1,000

S$1,500

Overseas quarantine allowance

(If you are placed under mandatory quarantine by the local authorities as a result of you being diagnosed with COVID-19 while you are overseas)

S$50/day
(Up to S$700)

S$100/day
(Up to S$1,400)

Overseas hospitalization allowance

If you are hospitalized as a result of you being diagnosed with COVID-19 while you are overseas

S$50/day
(Up to S$700)

S$100/day
(Up to S$1,400)

Automatic extension of cover

If you are hospitalized or quarantined overseas as a result of you being diagnosed with COVID-19 while you are overseas

Up to 30 days

Overall limit per policy
Maximum limit per policy for all sections relating to this COVID-19 extensions

(applicable to group purchases)

S$1 million

Medical expenses incurred overseas
Covers the medical expenses incurred overseas if the insured is diagnosed with COVID-19 whilst overseas.

Child
Essential Plan
Enhanced coverage

S$50,000

Ultimate Plan
Most comprehensive coverage

S$150,000

Adult
Essential Plan
Enhanced coverage

S$50,000

Ultimate Plan
Most comprehensive coverage

S$150,000

Elderly adult aged 70 years and above
Essential Plan
Enhanced coverage

S$15,000

Ultimate Plan
Most comprehensive coverage

S$50,000

Maximum coverage limit for family plan
Essential Plan
Enhanced coverage

S$150,000

Ultimate Plan
Most comprehensive coverage

S$400,000

Emergency medical evacuation
Covers cost required for emergency medical evacuation expenses while overseas if insured person is diagnosed with COVID-19 overseas.

Maximum limit for each insured person
Essential Plan
Enhanced coverage

S$50,000

Ultimate Plan
Most comprehensive coverage

S$150,000

Maximum limit for family cover
Essential Plan
Enhanced coverage

S$150,000

Ultimate Plan
Most comprehensive coverage

S$400,000

Repatriation and compassionate expenses
Covers the cost of transporting Insured Person's body and ashes back to Singapore if he/she dies overseas due to COVID-19.

Cost of repatriation
Essential Plan
Enhanced coverage

S$5,000

Ultimate Plan
Most comprehensive coverage

S$5,000

Travel inconveniences

Trip interruption

(If you or a travel companion is diagnosed with COVID-19 while overseas)

Essential Plan
Enhanced coverage

S$3,000

Ultimate Plan
Most comprehensive coverage

S$4,000

Trip cancellation

(If you, a relative, or a travel companion is diagnosed with COVID-19 before your trip commences)

Essential Plan
Enhanced coverage

S$3,000

Ultimate Plan
Most comprehensive coverage

S$5,000

Trip postponement

(If you, a relative, or a travel companion is diagnosed with COVID-19 before your trip commences)

Essential Plan
Enhanced coverage

S$1,000

Ultimate Plan
Most comprehensive coverage

S$1,500

Overseas quarantine allowance

(If you are placed under mandatory quarantine by the local authorities as a result of you being diagnosed with COVID-19 while you are overseas)

Essential Plan
Enhanced coverage

S$50/day
(Up to S$700)

Ultimate Plan
Most comprehensive coverage

S$100/day
(Up to S$1,400)

Overseas hospitalization allowance

If you are hospitalized as a result of you being diagnosed with COVID-19 while you are overseas

Essential Plan
Enhanced coverage

S$50/day
(Up to S$700)

Ultimate Plan
Most comprehensive coverage

S$100/day
(Up to S$1,400)

Automatic extension of cover

If you are hospitalized or quarantined overseas as a result of you being diagnosed with COVID-19 while you are overseas

Essential Plan
Enhanced coverage

Up to 30 days

Ultimate Plan
Most comprehensive coverage

Up to 30 days

Overall limit per policy

Maximum limit per policy for all sections relating to this COVID-19 extensions

(applicable to group purchases)

Essential Plan
Enhanced coverage

S$1 million

Ultimate Plan
Most comprehensive coverage

S$1 million

Choose from 3 travel insurance plans

Explorer offers you coverage with reimbursement for inconveniences, disruptions and medical expenses incurred while travelling.

Please refer to the table below for the Individual Cover limits. The limits under Family Cover are subject to the Individual Cover limits under the same plan for each Insured Person.

Coverage Starter Plan
Basic coverage
Essential Plan
Enhanced coverage
Ultimate Plan
Most comprehensive coverage
Death

Accidental Death and Permanent Disablement

Adult

S$150,000

S$300,000

S$500,000

Elderly adult age 70 and above

S$75,000

S$150,000

S$250,000

Child

S$45,000

S$90,000

S$150,000

Maximum aggregate limit for Family Cover

S$375,000

S$750,000

S$1,000,000

Accidental Death on Public Transport

Adult

S$300,000

S$600,000

S$1,000,000

Elderly adult age 70 and above

S$150,000

S$300,000

S$500,000

Child

S$90,000

S$180,000

S$300,000

Maximum aggregate limit for Family Cover

S$750,000

S$1,500,000

S$2,000,000

Medical

Medical reimbursement

(a)  Medical expenses incurred overseas

Adult

S$300,000

S$500,000

S$700,000

Elderly adult age 70 and above

S$90,000

S$150,000

S$210,000

Child

S$120,000

S$200,000

S$280,000

Maximum aggregate limit for Family Cover

S$1,000,000

S$2,000,000

$2,500,000

Medical reimbursement

(b)  Medical expenses incurred in Singapore

Adult

S$15,000

S$25,000

S$35,000

Elderly adult age 70 and above

S$4,500

S$7,500

S$10,500

Child

S$6,000

S$10,000

S$14,000

Maximum aggregate limit for Family Cover

S$50,000

S$100,000

S$125,000

Medical reimbursement

(c)  Traditional Chinese Medical (TCM) treatment

Maximum Aggregate Limit for TCM visit

S$600

S$750

S$1,000

Maximum Aggregate Limit for (a), (b) and (c)

Adult

S$300,000

S$500,000

S$700,000

Elderly adult age 70 and above

S$90,000

S$150,000

S$210,000

Child

S$120,000

S$200,000

S$280,000

Maximum aggregate limit for Family Cover

S$1,000,000

S$2,000,000

S$2,500,000

Hospital cash

(a)  Hospital confinement

Hospital Confinement Overseas Each Insured Person in respect of each full day of Hospital Confinement

S$200 per day

Maximum S$20,000

S$200 per day
Maximum S$30,000

S$200 per day

Maximum S$40,000

Hospital Confinement in Singapore upon immediate return from Overseas Each Insured Person in respect of each full day of Hospital Confinement

S$100 per day

Maximum $7,000

S$100 per day

Maximum S$1,000

S$100 per day

Maximum S$1,500

Hospital cash

(b)  Hospital visitation/compassionate visit

Pays travelling and hotel accommodation expenses incurred by one relative/friend if the Insured Person is hospitalised for more than 5 days or is deceased whilst Overseas

S$10,000

S$15,000

S$20,000

Hospital cash

(c) Child companion

Pays travelling and hotel accommodation expenses incurred by one relative/friend to accompany the Insured Person's children back to Singapore following the hospitalisation of the Insured Person whilst Overseas

S$10,000

S$15,000

S$20,000

Emergency medical evacuation

Covers all Appointed Assistance Company emergency medical evacuation expenses

S$1,000,000

S$1,000,000

S$1,000,000

Repatriation of mortal remains

A. Covers all Appointed Assistance Company expenses incurred in returning the remains of the Insured Person who suffered loss of life during the Trip to Singapore

S$50,000

S$100,000

S$150,000

B. Burial of Mortal Remains Pay the reasonable expenses incurred for the funeral if the Insured Person suffers injury during the Trip which within ninety (90) days of its happening is the sole cause of his/her death

S$1,000

S$2,000

S$3,500

Emergency telephone charges

Pays actual mobile phone charges incurred for engaging the services of our Appointed Assistance Company for which a claim has been admitted under Accidental Death and Disablement, Accidental Death on Public Transport or Hopsital visitation/Compassionate Visit or Child Companion benefit

S$100

S$200

S$300

Maximum aggregate limit

Maximum Aggregate Limit for Emergency Medical evacuation, Repatriation of mortal remains, Hospital Visitation/Compassionate Visit, Child Companion and Emergency Telephone Charges

S$1,000,000

S$1,000,000

S$1,000,000

Travel

Trip cancellation

Reimburses irrecoverable travel and accommodation expenses paid in advance if the Trip is cancelled

S$5,000

S$10,000

S$15,000

Maximum aggregate limit for Family Cover

S$15,000

S$30,000

S$40,000

Trip postponement

Reimburses administrative charges for travel and accommodation expenses paid in advance if the Trip is postponed

S$500

S$1,000

S$1,500

Maximum aggregate limit for Family Cover

S$1,500

S$3,000

S$4,000

Trip interruption

Covers the unused portion of the Trip due to Hospitalisation of the Insured Person

S$1,500

S$3,000

S$4,000

Maximum aggregate limit for Family Cover

S$4,000

S$7,500

S$10,000

Trip curtailment

Reimburses irrecoverable or additional travel and accommodation expenses incurred or forfeited after the commencement of the Trip

S$5,000

S$10,000

S$15,000

Maximum aggregate limit for Family cover

S$15,000

S$30,000

S$40,000

Overbooked flight

Fails to board the aircraft whilst Overseas due to overbooking of the flight in which a confirmed reservation had been received from the airline and no alternative transportation is made available

S$150

S$200

S$300

Maximum aggregate limit for Family Cover

S$400

S$500

S$750

Travel missed connection

Confirmed onward travel connection whilst Overseas is missed at the transfer point due to the late arrival of Your incoming confirmed connecting scheduled Common Carrier and no onward transportation is made available

S$150

S$200

S$300

Maximum aggregate limit for Family Cover

S$400

S$500

S$750

Travel delay

Insured Person's flight is delayed due to events specified in the Policy which prevents the Insured Person from continuing his/her Journey and the Insured Person is delayed from arriving at his/her planned destination by at least six (6) consecutive hours while Overseas

S$100 Every 6 Hours

Maximum S$1,000

S$100 Every 6 Hours

Maximum S$2,000

S$100 Every 6 Hours

Maximum S$3,000

Flight delay by at least six (6) consecutive hours while in Singapore

S$100 Every 6 Hours

Maximum S$500

S$100 Every 6 Hours

Maximum S$500

S$100 Every 6 Hours

Maximum S$500

Delay due to hijack

Insured Person's flight is delayed due to Hijack which prevents the Insured Person from continuing his/her Journey and the Insured Person is delayed from arriving at his/her planned destination by at least six (6) consecutive hours

S$250 Every 6 Hours

Maximum S$7,500

S$250 Every 6 Hours

Maximum S$7,500

S$250 Every 6 Hours

Maximum S$7,500

Maximum Aggregate limit for Trip Interruption, Trip Curtailment, Overbooked Flight, Travel Missed Connection, Travel Delay and Delay due to Hijack

Individual

S$7,500

S$10,000

S$15,000

Maximum aggregate limit for Family Cover

S$15,000

S$30,000

S$40,000

Personal liability

Legal liability to third party any one occurrence and in the aggregate

S$500,000

S$1,000,000

S$1,000,000

Baggage loss

Covers loss or damage to baggage, clothing and personal effects. Maximum S$500 for any one article or a pair or a set of articles, S$1,000 in the aggregate for laptop computer, netbook and tablet and S$500 in the aggregate for handphones and spectacles

S$3,000

S$5,000

S$7,500

Personal money

A. Loss of Money Covers loss of money due to robbery, burglary, theft or natural disasters

S$350

S$500

S$750

B. Fraudulent Credit Card Usage Pays the financial loss whilst Overseas due to unauthorized charges being made from the Insured Person's Payment Card

S$1,000

S$2,000

S$3,500

Travel documents

Pays the replacement cost for passports, travel tickets and other relevant travel documents

S$3,000

S$5,000

S$7,500

Baggage delay

Insured Person's checked-in Baggage is delayed whilst Overseas for at least six (6) consecutive hours

S$200 Every 6 Hours

Maximum S$1,000

S$200 Every 6 Hours

Maximum S$1,000

S$200 Every 6 Hours

Maximum S$1,000

Insured Person's checked-in Baggage is delayed whilst in Singapore for at least six (6) consecutive hours

Maximum S$200

Maximum S$200

Maximum S$200

Maximum Aggregate Limit for Baggage Loss, Personal Money and Travel Documents

S$3,000

S$5,000

S$7,500

Others

Kidnap and Hostage

Pays for every six (6) hours if the Insured Person is kidnapped whilst travelling Overseas

S$200 Every 6 Hours

Maximum S$5,000

S$200 Every 6 Hours

Maximum S$5,000

S$200 Every 6 Hours

Maximum S$5,000

Terrorism extension

Applies to Accidental Death and Disablement, Accidental Death on Public Transport, Medical expenses incurred overseas and Emergency Medical Evacuation section of the policy only if they occur as a result of an Act of Terrorism (Excluding use of biological, chemical agents or nuclear devices)

S$100,000

S$100,000

S$100,000

Automatic extension of cover

Extends the cover automatically without additional premium under specified circumstances

Covered

Covered

Covered

Leisure adventurous activities

Covers activities listed in the Policy

Not covered

Not covered

Not covered

Death

Accidental Death and Permanent Disablement

Adult
Starter Plan
Basic coverage

S$150,000

Essential Plan
Enhanced coverage

S$300,000

Ultimate Plan
Most comprehensive coverage

S$500,000

Elderly adult age 70 and above
Starter Plan
Basic coverage

S$75,000

Essential Plan
Enhanced coverage

S$150,000

Ultimate Plan
Most comprehensive coverage

S$250,000

Child
Starter Plan
Basic coverage

S$45,000

Essential Plan
Enhanced coverage

S$90,000

Ultimate Plan
Most comprehensive coverage

S$150,000

Maximum aggregate limit for Family Cover
Starter Plan
Basic coverage

S$375,000

Essential Plan
Enhanced coverage

S$750,000

Ultimate Plan
Most comprehensive coverage

S$1,000,000

Accidental Death on Public Transport

Adult
Starter Plan
Basic coverage

S$300,000

Essential Plan
Enhanced coverage

S$600,000

Ultimate Plan
Most comprehensive coverage

S$1,000,000

Elderly adult age 70 and above
Starter Plan
Basic coverage

S$150,000

Essential Plan
Enhanced coverage

S$300,000

Ultimate Plan
Most comprehensive coverage

S$500,000

Child
Starter Plan
Basic coverage

S$90,000

Essential Plan
Enhanced coverage

S$180,000

Ultimate Plan
Most comprehensive coverage

S$300,000

Maximum aggregate limit for Family Cover
Starter Plan
Basic coverage

S$750,000

Essential Plan
Enhanced coverage

S$1,500,000

Ultimate Plan
Most comprehensive coverage

S$2,000,000

Medical

Medical reimbursement

(a)  Medical expenses incurred overseas

Adult
Starter Plan
Basic coverage

S$300,000

Essential Plan
Enhanced coverage

S$500,000

Ultimate Plan
Most comprehensive coverage

S$700,000

Elderly adult age 70 and above
Starter Plan
Basic coverage

S$90,000

Essential Plan
Enhanced coverage

S$150,000

Ultimate Plan
Most comprehensive coverage

S$210,000

Child
Starter Plan
Basic coverage

S$120,000

Essential Plan
Enhanced coverage

S$200,000

Ultimate Plan
Most comprehensive coverage

S$280,000

Maximum aggregate limit for Family Cover
Starter Plan
Basic coverage

S$1,000,000

Essential Plan
Enhanced coverage

S$2,000,000

Ultimate Plan
Most comprehensive coverage

$2,500,000

Medical reimbursement

(b)  Medical expenses incurred in Singapore

Adult
Starter Plan
Basic coverage

S$15,000

Essential Plan
Enhanced coverage

S$25,000

Ultimate Plan
Most comprehensive coverage

S$35,000

Elderly adult age 70 and above
Starter Plan
Basic coverage

S$4,500

Essential Plan
Enhanced coverage

S$7,500

Ultimate Plan
Most comprehensive coverage

S$10,500

Child
Starter Plan
Basic coverage

S$6,000

Essential Plan
Enhanced coverage

S$10,000

Ultimate Plan
Most comprehensive coverage

S$14,000

Maximum aggregate limit for Family Cover
Starter Plan
Basic coverage

S$50,000

Essential Plan
Enhanced coverage

S$100,000

Ultimate Plan
Most comprehensive coverage

S$125,000

Medical reimbursement

(c)  Traditional Chinese Medical (TCM) treatment

Maximum Aggregate Limit for TCM visit
Starter Plan
Basic coverage

S$600

Essential Plan
Enhanced coverage

S$750

Ultimate Plan
Most comprehensive coverage

S$1,000

Maximum Aggregate Limit for (a), (b) and (c)

Adult
Starter Plan
Basic coverage

S$300,000

Essential Plan
Enhanced coverage

S$500,000

Ultimate Plan
Most comprehensive coverage

S$700,000

Elderly adult age 70 and above
Starter Plan
Basic coverage

S$90,000

Essential Plan
Enhanced coverage

S$150,000

Ultimate Plan
Most comprehensive coverage

S$210,000

Child
Starter Plan
Basic coverage

S$120,000

Essential Plan
Enhanced coverage

S$200,000

Ultimate Plan
Most comprehensive coverage

S$280,000

Maximum aggregate limit for Family Cover
Starter Plan
Basic coverage

S$1,000,000

Essential Plan
Enhanced coverage

S$2,000,000

Ultimate Plan
Most comprehensive coverage

S$2,500,000

Hospital cash

(a)  Hospital confinement

Hospital Confinement Overseas Each Insured Person in respect of each full day of Hospital Confinement
Starter Plan
Basic coverage

S$200 per day

Maximum S$20,000

Essential Plan
Enhanced coverage

S$200 per day
Maximum S$30,000

Ultimate Plan
Most comprehensive coverage

S$200 per day

Maximum S$40,000

Hospital Confinement in Singapore upon immediate return from Overseas Each Insured Person in respect of each full day of Hospital Confinement
Starter Plan
Basic coverage

S$100 per day

Maximum $7,000

Essential Plan
Enhanced coverage

S$100 per day

Maximum S$1,000

Ultimate Plan
Most comprehensive coverage

S$100 per day

Maximum S$1,500

Hospital cash

(b)  Hospital visitation/compassionate visit

Pays travelling and hotel accommodation expenses incurred by one relative/friend if the Insured Person is hospitalised for more than 5 days or is deceased whilst Overseas
Starter Plan
Basic coverage

S$10,000

Essential Plan
Enhanced coverage

S$15,000

Ultimate Plan
Most comprehensive coverage

S$20,000

Hospital cash

(c) Child companion

Pays travelling and hotel accommodation expenses incurred by one relative/friend to accompany the Insured Person's children back to Singapore following the hospitalisation of the Insured Person whilst Overseas
Starter Plan
Basic coverage

S$10,000

Essential Plan
Enhanced coverage

S$15,000

Ultimate Plan
Most comprehensive coverage

S$20,000

Emergency medical evacuation

Covers all Appointed Assistance Company emergency medical evacuation expenses
Starter Plan
Basic coverage

S$1,000,000

Essential Plan
Enhanced coverage

S$1,000,000

Ultimate Plan
Most comprehensive coverage

S$1,000,000

Repatriation of mortal remains

A. Covers all Appointed Assistance Company expenses incurred in returning the remains of the Insured Person who suffered loss of life during the Trip to Singapore
Starter Plan
Basic coverage

S$50,000

Essential Plan
Enhanced coverage

S$100,000

Ultimate Plan
Most comprehensive coverage

S$150,000

B. Burial of Mortal Remains Pay the reasonable expenses incurred for the funeral if the Insured Person suffers injury during the Trip which within ninety (90) days of its happening is the sole cause of his/her death
Starter Plan
Basic coverage

S$1,000

Essential Plan
Enhanced coverage

S$2,000

Ultimate Plan
Most comprehensive coverage

S$3,500

Emergency telephone charges

Pays actual mobile phone charges incurred for engaging the services of our Appointed Assistance Company for which a claim has been admitted under Accidental Death and Disablement, Accidental Death on Public Transport or Hopsital visitation/Compassionate Visit or Child Companion benefit
Starter Plan
Basic coverage

S$100

Essential Plan
Enhanced coverage

S$200

Ultimate Plan
Most comprehensive coverage

S$300

Maximum aggregate limit

Maximum Aggregate Limit for Emergency Medical evacuation, Repatriation of mortal remains, Hospital Visitation/Compassionate Visit, Child Companion and Emergency Telephone Charges
Starter Plan
Basic coverage

S$1,000,000

Essential Plan
Enhanced coverage

S$1,000,000

Ultimate Plan
Most comprehensive coverage

S$1,000,000

Travel

Trip cancellation

Reimburses irrecoverable travel and accommodation expenses paid in advance if the Trip is cancelled
Starter Plan
Basic coverage

S$5,000

Essential Plan
Enhanced coverage

S$10,000

Ultimate Plan
Most comprehensive coverage

S$15,000

Maximum aggregate limit for Family Cover
Starter Plan
Basic coverage

S$15,000

Essential Plan
Enhanced coverage

S$30,000

Ultimate Plan
Most comprehensive coverage

S$40,000

Trip postponement

Reimburses administrative charges for travel and accommodation expenses paid in advance if the Trip is postponed
Starter Plan
Basic coverage

S$500

Essential Plan
Enhanced coverage

S$1,000

Ultimate Plan
Most comprehensive coverage

S$1,500

Maximum aggregate limit for Family Cover
Starter Plan
Basic coverage

S$1,500

Essential Plan
Enhanced coverage

S$3,000

Ultimate Plan
Most comprehensive coverage

S$4,000

Trip interruption

Covers the unused portion of the Trip due to Hospitalisation of the Insured Person
Starter Plan
Basic coverage

S$1,500

Essential Plan
Enhanced coverage

S$3,000

Ultimate Plan
Most comprehensive coverage

S$4,000

Maximum aggregate limit for Family Cover
Starter Plan
Basic coverage

S$4,000

Essential Plan
Enhanced coverage

S$7,500

Ultimate Plan
Most comprehensive coverage

S$10,000

Trip curtailment

Reimburses irrecoverable or additional travel and accommodation expenses incurred or forfeited after the commencement of the Trip
Starter Plan
Basic coverage

S$5,000

Essential Plan
Enhanced coverage

S$10,000

Ultimate Plan
Most comprehensive coverage

S$15,000

Maximum aggregate limit for Family cover
Starter Plan
Basic coverage

S$15,000

Essential Plan
Enhanced coverage

S$30,000

Ultimate Plan
Most comprehensive coverage

S$40,000

Overbooked flight

Fails to board the aircraft whilst Overseas due to overbooking of the flight in which a confirmed reservation had been received from the airline and no alternative transportation is made available
Starter Plan
Basic coverage

S$150

Essential Plan
Enhanced coverage

S$200

Ultimate Plan
Most comprehensive coverage

S$300

Maximum aggregate limit for Family Cover
Starter Plan
Basic coverage

S$400

Essential Plan
Enhanced coverage

S$500

Ultimate Plan
Most comprehensive coverage

S$750

Travel missed connection

Confirmed onward travel connection whilst Overseas is missed at the transfer point due to the late arrival of Your incoming confirmed connecting scheduled Common Carrier and no onward transportation is made available
Starter Plan
Basic coverage

S$150

Essential Plan
Enhanced coverage

S$200

Ultimate Plan
Most comprehensive coverage

S$300

Maximum aggregate limit for Family Cover
Starter Plan
Basic coverage

S$400

Essential Plan
Enhanced coverage

S$500

Ultimate Plan
Most comprehensive coverage

S$750

Travel delay

Insured Person's flight is delayed due to events specified in the Policy which prevents the Insured Person from continuing his/her Journey and the Insured Person is delayed from arriving at his/her planned destination by at least six (6) consecutive hours while Overseas
Starter Plan
Basic coverage

S$100 Every 6 Hours

Maximum S$1,000

Essential Plan
Enhanced coverage

S$100 Every 6 Hours

Maximum S$2,000

Ultimate Plan
Most comprehensive coverage

S$100 Every 6 Hours

Maximum S$3,000

Flight delay by at least six (6) consecutive hours while in Singapore
Starter Plan
Basic coverage

S$100 Every 6 Hours

Maximum S$500

Essential Plan
Enhanced coverage

S$100 Every 6 Hours

Maximum S$500

Ultimate Plan
Most comprehensive coverage

S$100 Every 6 Hours

Maximum S$500

Delay due to hijack

Insured Person's flight is delayed due to Hijack which prevents the Insured Person from continuing his/her Journey and the Insured Person is delayed from arriving at his/her planned destination by at least six (6) consecutive hours
Starter Plan
Basic coverage

S$250 Every 6 Hours

Maximum S$7,500

Essential Plan
Enhanced coverage

S$250 Every 6 Hours

Maximum S$7,500

Ultimate Plan
Most comprehensive coverage

S$250 Every 6 Hours

Maximum S$7,500

Maximum Aggregate limit for Trip Interruption, Trip Curtailment, Overbooked Flight, Travel Missed Connection, Travel Delay and Delay due to Hijack

Individual
Starter Plan
Basic coverage

S$7,500

Essential Plan
Enhanced coverage

S$10,000

Ultimate Plan
Most comprehensive coverage

S$15,000

Maximum aggregate limit for Family Cover
Starter Plan
Basic coverage

S$15,000

Essential Plan
Enhanced coverage

S$30,000

Ultimate Plan
Most comprehensive coverage

S$40,000

Personal liability

Legal liability to third party any one occurrence and in the aggregate
Starter Plan
Basic coverage

S$500,000

Essential Plan
Enhanced coverage

S$1,000,000

Ultimate Plan
Most comprehensive coverage

S$1,000,000

Baggage loss

Covers loss or damage to baggage, clothing and personal effects. Maximum S$500 for any one article or a pair or a set of articles, S$1,000 in the aggregate for laptop computer, netbook and tablet and S$500 in the aggregate for handphones and spectacles
Starter Plan
Basic coverage

S$3,000

Essential Plan
Enhanced coverage

S$5,000

Ultimate Plan
Most comprehensive coverage

S$7,500

Personal money

A. Loss of Money Covers loss of money due to robbery, burglary, theft or natural disasters
Starter Plan
Basic coverage

S$350

Essential Plan
Enhanced coverage

S$500

Ultimate Plan
Most comprehensive coverage

S$750

B. Fraudulent Credit Card Usage Pays the financial loss whilst Overseas due to unauthorized charges being made from the Insured Person's Payment Card
Starter Plan
Basic coverage

S$1,000

Essential Plan
Enhanced coverage

S$2,000

Ultimate Plan
Most comprehensive coverage

S$3,500

Travel documents

Pays the replacement cost for passports, travel tickets and other relevant travel documents
Starter Plan
Basic coverage

S$3,000

Essential Plan
Enhanced coverage

S$5,000

Ultimate Plan
Most comprehensive coverage

S$7,500

Baggage delay

Insured Person's checked-in Baggage is delayed whilst Overseas for at least six (6) consecutive hours
Starter Plan
Basic coverage

S$200 Every 6 Hours

Maximum S$1,000

Essential Plan
Enhanced coverage

S$200 Every 6 Hours

Maximum S$1,000

Ultimate Plan
Most comprehensive coverage

S$200 Every 6 Hours

Maximum S$1,000

Insured Person's checked-in Baggage is delayed whilst in Singapore for at least six (6) consecutive hours
Starter Plan
Basic coverage

Maximum S$200

Essential Plan
Enhanced coverage

Maximum S$200

Ultimate Plan
Most comprehensive coverage

Maximum S$200

Maximum Aggregate Limit for Baggage Loss, Personal Money and Travel Documents
Starter Plan
Basic coverage

S$3,000

Essential Plan
Enhanced coverage

S$5,000

Ultimate Plan
Most comprehensive coverage

S$7,500

Others

Kidnap and Hostage

Pays for every six (6) hours if the Insured Person is kidnapped whilst travelling Overseas
Starter Plan
Basic coverage

S$200 Every 6 Hours

Maximum S$5,000

Essential Plan
Enhanced coverage

S$200 Every 6 Hours

Maximum S$5,000

Ultimate Plan
Most comprehensive coverage

S$200 Every 6 Hours

Maximum S$5,000

Terrorism extension

Applies to Accidental Death and Disablement, Accidental Death on Public Transport, Medical expenses incurred overseas and Emergency Medical Evacuation section of the policy only if they occur as a result of an Act of Terrorism (Excluding use of biological, chemical agents or nuclear devices)
Starter Plan
Basic coverage

S$100,000

Essential Plan
Enhanced coverage

S$100,000

Ultimate Plan
Most comprehensive coverage

S$100,000

Automatic extension of cover

Extends the cover automatically without additional premium under specified circumstances
Starter Plan
Basic coverage

Covered

Essential Plan
Enhanced coverage

Covered

Ultimate Plan
Most comprehensive coverage

Covered

Leisure adventurous activities

Covers activities listed in the Policy
Starter Plan
Basic coverage

Not covered

Essential Plan
Enhanced coverage

Not covered

Ultimate Plan
Most comprehensive coverage

Not covered

The limits under Family Cover are subject to limits under the same plan for each Insured Person.

Boost your coverage with optional add-ons
Sometimes, your basic travel coverage isn’t enough. That’s why we have 4 add-on options to cater to your travel needs.

Optional add-ons Coverage
Sports equipment cover
Covers loss of golf, diving, skiing, snowboarding and wakeboarding equipment - Maximum S$500 for any one article or a pair or a set of articles

S$1,500

Top-up cover for laptop computer, netbook and tablet under baggage loss
Additional S$1,000 coverage for loss or damage to your laptop computer, netbook and tablet

S$1,000

Rental vehicle excess
Pays the cost of the insurance excess of a car rented by the insured person if it is involved in an accident

S$1,500

Home contents
Pays for any damage due to fire to household contents of the insured Person's residence which was left vacant for the full duration of the trip

S$10,000

Sports equipment cover

Covers loss of golf, diving, skiing, snowboarding and wakeboarding equipment - Maximum S$500 for any one article or a pair or a set of articles
Optional add-ons

S$1,500

Top-up cover for laptop computer, netbook and tablet under baggage loss

Additional S$1,000 coverage for loss or damage to your laptop computer, netbook and tablet
Optional add-ons

S$1,000

Rental vehicle excess

Pays the cost of the insurance excess of a car rented by the insured person if it is involved in an accident
Optional add-ons

S$1,500

Home contents

Pays for any damage due to fire to household contents of the insured Person's residence which was left vacant for the full duration of the trip
Optional add-ons

S$10,000

promotions

Sign up and receive a S$20 HealthPass Wellness Store voucher

Use the S$20 voucher to offset fitness packages, health screenings, and more on the HealthPass by OCBC app.

Promotion is valid till 31 July 2022. Terms and conditions apply.

Apply now

Enjoy up to 35% off Essential and Ultimate Plans

Enjoy up to 35% off Essential and Ultimate Plans

Simply key in the campaign code to enjoy the discount:
10% discount for annual plan – TAA10A
35% discount for single trip plan – TAS35S

Book a pre-departure swab test at S$110

Book a pre-departure swab test at S$110

Get your COVID-19 pre-departure Polymerase Chain Reaction (PCR) swab test at S$110. Available at selected clinics for all Explorer policy holders. Subjected to prevailing GST.

Find out more

Emergency help overseas
24-hour emergency assistance
Call our 24-hour emergency assistance hotline at +65 6339 2155 for travel and medical assistance. This includes translation assistance, medical advice, arrangement of hospital admission, emergency medical evacuation and more.
How to claim
Claim in 3 easy steps

1

Download and print the claim form. Complete the relevant sections

2

Attach all original receipts and relevant supporting documents.

3

Email your claim or mail it to the claims department.
Before you apply
I was diagnosed with COVID-19 and have fully recovered, am I able to purchase Explorer with COVID-19 coverage?

Yes, you are able to purchase the plan as long as you have fully recovered and are diagnosed as negative for COVID-19.

Will a self-administered test kit be sufficient to prove I am negative from COVID-19 before my departure?

We will follow all vaccination, pre-departure tests and post-arrival tests requirements imposed by the authorities.

For some countries, self-administered ART, PCR or other self-test kit will not be accepted for pre-departure COVID-19 test to fly out of Singapore.

You must make an appointment from the list of MOH-approved COVID-19 test providers found on MOH website (https://www.moh.gov.sg/licensing-and-regulation/regulations-guidelines-and-circulars/details/list-of-COVID-19-swab-providers).

Before my trip departure, I received an SMS that I am with a close contact of a positive COVID-19 case. Will the policy cover my trip cancellation?

The COVID-19 Trip Cancellation coverage is claimable if you are forced to cancel your trip within the 30 days that it was due to start as a result of you, a relative, or a travel companion being diagnosed with COVID-19 by a medical practitioner in Singapore.

Will I still receive COVID-19 coverage if my destination has been suspended from the permitted travel arrangement?

No. COVID-19 is only applicable should the trip is permitted under the latest permitted travel arrangement as per Singapore Government travel advisory.

You may refer to https://safetravel.ica.gov.sg/ for more information on the latest travel advisories issued by the Singapore government.

Is there any rule on authorized medical facility to certify that I am diagnosed with COVID-19 while overseas? Will a hard copy of medical certificate or receipt be required if the insured person is diagnosed and hospitalized overseas due to COVID-19?

A medical practitioner has to diagnose that you are positive with COVID-19 while overseas. You are required to provide us with supporting documents such as Inpatient Discharge Summary Report (IPDS), doctor’s memo or diagnosis indicated on the Medical Certificate.

A Medical practitioner is a person who is registered and legally qualified as a doctor, has a medical degree in Western medicine, and is authorized by the medical licensing authority of the relevant country to provide the medical or surgical services their licence and training relate to.

The medical practitioner cannot be the insured or an insured person, or:

  • their husband, wife or unmarried partner;
  • their business partner, employer, employee or agent;
  • their travel companion; or
  • any person who is related to an insured person or the insured in any way, including by marriage or adoption.
If I contracted COVID-19 upon my return to Singapore, am I covered under the policy?

The policy is designed to protect you during your overseas journey. If you are diagnosed with COVID-19 upon arriving in Singapore, after your journey, you will not be covered by the policy.

More questions and answers

Eligibility requirements

Minimum age

18 years old

Nationality

Singaporeans, Singapore PRs and foreigners with a valid pass/work permit

Child coverage

Children aged between 3 months and 18 years old and full-time students below 24 years old can apply for child coverage


View pricing plans

Look through our various plans before making your purchase

Alternatively, you may contact us at +65 6586 7411.

Via OCBC Online Banking

More convenience with prepopulated personal details when you buy insurance via OCBC Online Banking. Choose to pay with your OCBC Savings/Current Account or OCBC Credit/Debit Card.

or

Via Great Eastern

By clicking on "Apply now", you will be leaving the OCBC Bank website to Great Eastern's website. OCBC Bank has no control over this website and is not responsible for its contents.