Family Plan
• Single Trip Coverage: 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 Coverage: 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 trip made during the Policy Period.
• Children under any Plan throughout the Policy Period must be unmarried and under 18 years of age or up to 23 years if studying full-time in a recognised institute of higher learning.
Trip Duration
• Single Trip Coverage: The maximum length of each insured trip is 182 days.
• Annual Coverage: The Insured Policyholder(s) will be covered for an unlimited number of trips made during the Policy Period. The maximum length of each insured trip is 90 days.
Commencement of Coverage
• Travel Cancellation (Section 18) is effective either: (a) 30 days before the date of departure, or (b) from the date of purchase which must be at least 7 days before the departure date 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.
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 7 Pregnancy (except Section 3).
• Gemstones.
• Flight duty (except as a passenger) or manual work.
• Any pre-existing condition for which the Insured Person (a) received medical treatment, diagnosed consultation or prescribed drugs, or (b) had a condition (for which medical advice or treatment was recommended by a qualifiedmedical practitioner) which was not covered within a 12-month period preceding the effective date of the Policy. Complete details of policy exclusions are listed in the Policy.
Country Exclusion
American Home Assurance Company, Singapore Branch 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, Sudan or Syria.
Complete details of policy exclusions are listed in the Policy. |
