Yes, the policy covers your trip on Cruise to nowhere, applicable only for Essential and Ultimate plan. Please select Malaysia as destination for a cruise to nowhere from Singapore.
- Personal Banking
- Insurance
- Explorer
Explorer
Travel in the new norm with peace of mind
Why you will love this
New COVID-19 coverage for Essential and Ultimate Plans
Coverage also applies for cruises to nowhere
24-hour emergency overseas assistance
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
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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 Essential and Ultimate Plans will automatically extend to countries under the latest permitted travel arrangements. This includes the Vaccinated Travel Lane (VTL) and Reciprocal Green Lane (RGL) as per the Singapore Government travel advisory.
Kindly note that some countries may require COVID-19 insurance coverage as a condition of entry. Please ensure that you select a plan that meets the requirement of your intended destination(s). For full details of our coverage and exclusions, please refer to the Eligibility and Policy Wording.
In support of Singapore's COVID-19 vaccination efforts, you can also enjoy a premium discount for our Ultimate and Essential Plans if you have been fully vaccinated against COVID-19. Simply declare your vaccination status after selecting a plan.
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
Child
Essential Plan
Enhanced coverage
Enhanced coverage
S$25,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$150,000
Adult
Essential Plan
Enhanced coverage
Enhanced coverage
S$25,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$150,000
Elderly adult aged 70 years and above
Essential Plan
Enhanced coverage
Enhanced coverage
S$7,500
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$50,000
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
Enhanced coverage
S$25,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$150,000
Maximum limit for family cover
Essential Plan
Enhanced coverage
Enhanced coverage
S$65,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$400,000
Cost of repatriation
Essential Plan
Enhanced coverage
Enhanced coverage
S$5,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$5,000
Travel inconveniences
Essential Plan
Enhanced coverage
Enhanced coverage
S$3,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$4,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$3,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$5,000
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
Enhanced coverage
S$1 million
Ultimate Plan
Most comprehensive coverage
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
| 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 |
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
Basic coverage
S$150,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$300,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$500,000
Elderly adult age 70 and above
Starter Plan
Basic coverage
Basic coverage
S$75,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$150,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$250,000
Child
Starter Plan
Basic coverage
Basic coverage
S$45,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$90,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$150,000
Maximum aggregate limit for Family Cover
Starter Plan
Basic coverage
Basic coverage
S$375,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$750,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$1,000,000
Accidental Death on Public Transport
Adult
Starter Plan
Basic coverage
Basic coverage
S$300,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$600,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$1,000,000
Elderly adult age 70 and above
Starter Plan
Basic coverage
Basic coverage
S$150,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$300,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$500,000
Child
Starter Plan
Basic coverage
Basic coverage
S$90,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$180,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$300,000
Maximum aggregate limit for Family Cover
Starter Plan
Basic coverage
Basic coverage
S$750,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$1,500,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$2,000,000
Medical
Medical reimbursement
(a) Medical expenses incurred overseas
Adult
Starter Plan
Basic coverage
Basic coverage
S$300,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$500,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$700,000
Elderly adult age 70 and above
Starter Plan
Basic coverage
Basic coverage
S$90,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$150,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$210,000
Child
Starter Plan
Basic coverage
Basic coverage
S$120,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$200,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$280,000
Maximum aggregate limit for Family Cover
Starter Plan
Basic coverage
Basic coverage
S$1,000,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$2,000,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
$2,500,000
Medical reimbursement
(b) Medical expenses incurred in Singapore
Adult
Starter Plan
Basic coverage
Basic coverage
S$15,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$25,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$35,000
Elderly adult age 70 and above
Starter Plan
Basic coverage
Basic coverage
S$4,500
Essential Plan
Enhanced coverage
Enhanced coverage
S$7,500
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$10,500
Child
Starter Plan
Basic coverage
Basic coverage
S$6,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$10,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$14,000
Maximum aggregate limit for Family Cover
Starter Plan
Basic coverage
Basic coverage
S$50,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$100,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$125,000
Medical reimbursement
(c) Traditional Chinese Medical (TCM) treatment
Maximum Aggregate Limit for TCM visit
Starter Plan
Basic coverage
Basic coverage
S$600
Essential Plan
Enhanced coverage
Enhanced coverage
S$750
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$1,000
Maximum Aggregate Limit for (a), (b) and (c)
Adult
Starter Plan
Basic coverage
Basic coverage
S$300,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$500,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$700,000
Elderly adult age 70 and above
Starter Plan
Basic coverage
Basic coverage
S$90,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$150,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$210,000
Child
Starter Plan
Basic coverage
Basic coverage
S$120,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$200,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$280,000
Maximum aggregate limit for Family Cover
Starter Plan
Basic coverage
Basic coverage
S$1,000,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$2,000,000
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$200 per day
Maximum S$20,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$200 per day
Maximum S$30,000
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$100 per day
Maximum $7,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$100 per day
Maximum S$1,000
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$10,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$15,000
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$10,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$15,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$20,000
Emergency medical evacuation
Covers all Appointed Assistance Company emergency medical evacuation expenses
Starter Plan
Basic coverage
Basic coverage
S$1,000,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$1,000,000
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$50,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$100,000
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$1,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$2,000
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$100
Essential Plan
Enhanced coverage
Enhanced coverage
S$200
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$1,000,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$1,000,000
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$5,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$10,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$15,000
Maximum aggregate limit for Family Cover
Starter Plan
Basic coverage
Basic coverage
S$15,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$30,000
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$500
Essential Plan
Enhanced coverage
Enhanced coverage
S$1,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$1,500
Maximum aggregate limit for Family Cover
Starter Plan
Basic coverage
Basic coverage
S$1,500
Essential Plan
Enhanced coverage
Enhanced coverage
S$3,000
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$1,500
Essential Plan
Enhanced coverage
Enhanced coverage
S$3,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$4,000
Maximum aggregate limit for Family Cover
Starter Plan
Basic coverage
Basic coverage
S$4,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$7,500
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$5,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$10,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$15,000
Maximum aggregate limit for Family cover
Starter Plan
Basic coverage
Basic coverage
S$15,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$30,000
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$150
Essential Plan
Enhanced coverage
Enhanced coverage
S$200
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$300
Maximum aggregate limit for Family Cover
Starter Plan
Basic coverage
Basic coverage
S$400
Essential Plan
Enhanced coverage
Enhanced coverage
S$500
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$150
Essential Plan
Enhanced coverage
Enhanced coverage
S$200
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$300
Maximum aggregate limit for Family Cover
Starter Plan
Basic coverage
Basic coverage
S$400
Essential Plan
Enhanced coverage
Enhanced coverage
S$500
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$100 Every 6 Hours
Maximum S$1,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$100 Every 6 Hours
Maximum S$2,000
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$100 Every 6 Hours
Maximum S$500
Essential Plan
Enhanced coverage
Enhanced coverage
S$100 Every 6 Hours
Maximum S$500
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$250 Every 6 Hours
Maximum S$7,500
Essential Plan
Enhanced coverage
Enhanced coverage
S$250 Every 6 Hours
Maximum S$7,500
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$7,500
Essential Plan
Enhanced coverage
Enhanced coverage
S$10,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$15,000
Maximum aggregate limit for Family Cover
Starter Plan
Basic coverage
Basic coverage
S$15,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$30,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$40,000
Personal liability
Legal liability to third party any one occurrence and in the aggregate
Starter Plan
Basic coverage
Basic coverage
S$500,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$1,000,000
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$3,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$5,000
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$350
Essential Plan
Enhanced coverage
Enhanced coverage
S$500
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$1,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$2,000
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$3,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$5,000
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$200 Every 6 Hours
Maximum S$1,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$200 Every 6 Hours
Maximum S$1,000
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
Maximum S$200
Essential Plan
Enhanced coverage
Enhanced coverage
Maximum S$200
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
Maximum S$200
Maximum Aggregate Limit for Baggage Loss, Personal Money and Travel Documents
Starter Plan
Basic coverage
Basic coverage
S$3,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$5,000
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$200 Every 6 Hours
Maximum S$5,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$200 Every 6 Hours
Maximum S$5,000
Ultimate Plan
Most comprehensive coverage
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
Basic coverage
S$100,000
Essential Plan
Enhanced coverage
Enhanced coverage
S$100,000
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
S$100,000
Automatic extension of cover
Extends the cover automatically without additional premium under specified circumstances
Starter Plan
Basic coverage
Basic coverage
Covered
Essential Plan
Enhanced coverage
Enhanced coverage
Covered
Ultimate Plan
Most comprehensive coverage
Most comprehensive coverage
Covered
Leisure adventurous activities
Covers activities listed in the Policy
Starter Plan
Basic coverage
Basic coverage
Not covered
Essential Plan
Enhanced coverage
Enhanced coverage
Not covered
Ultimate Plan
Most comprehensive coverage
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
| 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.
Enjoy up to 35% off Essential and Ultimate Plans
Enjoy up to 35% off Essential and Ultimate Plans
For vaccinated travellers, get 35% off when you purchase a single trip plan, or 10% off an annual plan.
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.
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
Common questions
More questions and answersI’m going on cruise to nowhere, does the policy cover me if I contacted COVID-19 while on board the cruise?
Can I purchase Explorer Travel Insurance without the COVID-19 coverage?
The COVID-19 coverage will automatically apply when you purchase an Explorer Single Trip under the Essential and Ultimate Plan from 5 November 2021. If you are looking for Explorer Travel Insurance without the COVID-19 coverage, you may choose the Starter Plan.
Will I still receive COVID-19 coverage if my destination has been suspended from the permitted travel arrangement?
No, the COVID-19 coverage is only applicable if your trip is under the permitted travel arrangements as per the Singapore Government travel advisory at the point of your trip commencement.
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 is diagnosed negative for COVID-19.
Will I receive a premium refund if I decide not to proceed with my trip?
Cancellation for single trip two-way travel policy: The policyholder may cancel this policy at any time prior to the commencement of this policy coverage and the cancellation will apply from the date we receive the notice of cancellation. We will refund the premium paid excluding the S$25 administrative charge. However, there will be no refund if we receive the notice of cancellation on or after your trip departure date.
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
More information
View pricing plans
Look through our various plans before making your purchase
Alternatively, you may contact us at +65 6586 7411.
Terms and conditions governing Explorer Promotion
- Discounts shall apply on plans purchased online. Offer ends 31 March 2020.
- No other promotion shall be applied together with the above discount on Single Trip and Annual Plans.
- OCBC Bank reserves the right at its sole and absolute discretion to terminate the promotion or make changes to the promotion or any of these terms and conditions at any time without notice.
- The decision of OCBC Bank on all matters relating to this promotion shall be final and binding.
Sub-limits are part of the original limit for each coverage. They do not provide extra coverage, but set a maximum to cover a specific loss. For non-COVID-19 coverage, the coverage amount will be as per existing coverage plan.
Trip interruption
Covers non-refundable travelling and accommodation expenses, as well as any change in entertainment tickets paid in advance because you are hospitalised overseas for more than 5 days after being diagnosed with COVID-19 by a medical practitioner.
Trip cancellation
Covers the irrecoverable travel (on economy class), accommodation expenses and/or cost of entertainment tickets that were paid in advance if the trip is cancelled due to the insured being diagnosed with COVID-19 in Singapore within 30 days prior to the trip commencement.
Trip postponement
Covers the irrecoverable administrative charges of travel, accommodation expenses and/or cost of entertainment tickets that were paid in advance if the trip is postponed due to the insured being diagnosed with COVID-19 in Singapore within 30 days prior to the trip commencement.
Attention: Claims Department
Great Eastern General Insurance Limited
1 Pickering Street, #01-01
Great Eastern Centre,
Singapore 048659
Note: Retain all original receipts and documents for the next 6 months in case they are required for further investigation.
Family plan
- Single Trip Policy: shall mean an Adult and/or his/her spouse and unlimited number of biological or legally adopted children, OR any one or two adults who are not related by marriage and a maximum of four children who must be least Family related (i.e. biological or legally adopted Child or ward, sibling, grandchild, niece, nephew or cousin) to any one of the Adults.
- Annual Trip Cover: shall mean an Adult and/or his/her spouse and unlimited number of biological or legally adopted Children.
We will only reimburse the overseas medical expenses incurred up to 90 consecutive days from the date you are diagnosed with COVID-19 by a medical practitioner.
If you pass away overseas within 30 days from the date you are diagnosed with COVID-19 by a medical practitioner.
Important notes
The above is for general information only. It is not a contract of insurance. It does not constitute an offer to buy an insurance product or service. It is also not intended to provide any insurance or financial advice. The precise terms and conditions of the plans are specified in the insurance policy contract. Explorer is underwritten by Great Eastern General Insurance Limited, a wholly-owned subsidiary of Great Eastern Holdings Limited and member of the OCBC Group. Explorer is not a bank deposit or obligation of, or guaranteed by OCBC Bank.
No representation or warranty whatsoever (including without limitation any representation or warranty as to accuracy, usefulness, adequacy, timeliness or completeness) in respect of any information (including without limitation any statement, figures, opinion, view or estimate) provided herein is given by OCBC Bank and it should not be relied upon as such. OCBC Bank does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time. All information presented is subject to change without notice. OCBC Bank shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein.
Claims arising from events that have already occurred or made known to public via authorities or media before your application will not be covered.
Information presented as at 5 November 2021.
Policy Owner's Protection Scheme
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the General Insurance Association (GIA) or SDIC websites (www.gia.org.sg or www.sdic.org.sg).
Policy Owners’ Protection Scheme
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the General Insurance Association (GIA) or SDIC websites (www.gia.org.sg or www.sdic.org.sg).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.
You are leaving the OCBC Bank's website to access Great Eastern's website.
By clicking on "Proceed", you acknowledge the following:
- You have chosen not to seek advice on the suitability of this product. You should consider if this product is suitable for your financial circumstances or needs.
Clinics offering PCR swab tests
StarMed
- 12 Farrer Park Station Road, #05-01, Singapore 217565, Tel: +65 6322 6333
OneCare Medical
- 4 Woodlands Street 12, #02-57, Singapore 738623, Tel: +65 6363 2919
- 1 Raffles Place, #05-15/16, Singapore 048616, Tel: +65 6532 2692
- 315 Upper Changi Road, #01-01, Singapore 467347, Tel: +65 6970 0813
- Blk 449 Clementi Avenue 3, #01-241 Lot C, Singapore 120449, Tel: +65 6970 9300
- 15 Petir Road, #01-66 Bukit Panjang Integrated Transport Hub, Singapore 678270, Tel: +65 6518 4055