FREQUENTLY ASKED QUESTIONS  

Q	What is special about the Premier Plan?
	For a small investment, Premier Plan offers comprehensive benefits. You will receive unlimited protection for medical expenses whilst overseas, double indemnity of as much as $1,000,000 for accidental death due to Public Transport, unlimited evacuation benefits as well as many benefits as listed.
Q	How soon can I activate AIGAssist™ ?
	Travel Guard can be activated up to 30 days prior to departure from Singapore.
Q	How can I activate AIGAssist™ if I am departing over the weekends / after office hours?
	Please apply via www.nexusriskmgt.com   Please remember to furnish your credit card number and expiry date.
Q	Can an authorised representative apply for Travel Guard on my behalf after my departure from Singapore?
	No! Please activate Travel Guard BEFORE you depart Singapore.
Q	When is the coverage for the Travel Guard policy effective?
	The "Travel Cancellation" benefit is effective 30 days before your departure or on your date of application, whichever is later.  "Accidental Death & Disablement" benefit will be effective 3 hours before you depart Singapore. The coverage of these 2 benefits end on whichever of the following events occurs first:  a) the expiry of the period specified in the Policy  b) your return to your place of permanent residence or  c) within 3 hours upon your arrival in Singapore   All other benefits will be provided only when you are abroad.
Q	I'm holding a one-way ticket, can I purchase AIGAssist™?
	YES! However, please take note that :  * you must leave Singapore directly to your country of residence  * you are covered only within airport transit area during stopovers/ transfers
Q	Can I buy more than one Travel Guard policy for the same trip ?
	You can only be covered by ONE Travel Guard policy for the same trip.
Q	Can I continue my medical treatment for injury sustained overseas,after my return to Singapore ?
	Yes! You have a maximum of thirty (30) days to continue treatment in Singapore or up to a maximum sum of S$50,000 for Premier Plan or S$25,000 for Superior Plan or S$12,500 for Classic Plan, whichever occurs first. The Maximum amount payable for Insured Persons above 70 years of age is up to S$5,000 for Premier Plan or S$2,500 for Superior Plan or S$1,000 for Classic Plan.
Q	If I was ill overseas but did not seek medical treatment, can I do so upon my return to Singapore ?
	Yes ! You may seek treatment in Singapore within one week of return to Singapore. You have a maximum of thirty (30) days to continue treatment in Singapore or up to a maximum sum of S$50,000 for Premier Plan or S$30,000 for Superior Plan or S$12,500 for Classic Plan, whichever occurs first. The maximum amount payable for Insured Persons over 70 years of age is up to S$5,000 for Premier Plan or S$2,500 for Superior Plan or S$1,000 for Classic Plan.
Q	Can I seek treatment from a herbalist, acupuncturist or bonesetter ?
	Yes. Such medical expense is payable up to a maximum of $500 per Accident.
Q	Are dental expenses covered ?
	Accidental dental expenses are covered, i.e. dental treatment that is necessarily incurred to restore sound and natural teeth following an Accident.
Q	I am pregnant, am I covered overseas for any pregnancy-related matters?
	Yes, the policy will cover pregnancy-related issues, please refer to policy terms and conditions for exclusions
Q	I have booked a trip and now cannot travel because my employer has cancelled my leave - am I covered for travel cancellation?
	No, the policy provides coverage in the following events :  Death, Serious Injury or Serious Sickness or compulsory quarantine of Insured, spouse, child, parent, parent-in-law, grandparent, grandparent-in-law, grandchild, brother, sister, brother-in-law, sister-in-law, travel companion.  Unexpected outbreak of strike, riot, civil commotion at planned destination  Serious damage to your residence from fire, flood or similar disaster within one week from departure  Witness summons or jury service of Insured
Q	What are the circumstances that I will be covered for travel curtailment ?
	AIGAssist™ will provide coverage if you need to disrupt your trip and return to Singapore due to any of these circumstances:  Upon suffering from a serious Injury or a Serious Sickness.  Hijacking of the aircraft in which you are on board as a passenger  The unexpected death or Injury or Sickness of your spouse, child, parent, parent-in-law, grandparent, grandparent-in-law, grandchild, brother, sister, brother-in-law, sister-in-law, travel companion.  Natural disaster  (typhoon, earthquake, etc) which prevent you from continuing your Trip.  Unexpected outbreak of strike, riot, civil commotion.  This coverage shall extend to include expenses defined above resulting from extension of Trip due to quarantine upon medical advice.
Q	I have booked a trip to the U.S.A. but cannot get an entry visa, am I covered?
	No, prohibition and regulations of countries are excluded.
Q	What is covered under "Hospital Visitation" ?
	If the Insured is hospitalised overseas for more than 5 days and his medical condition forbids evacuation, and no adult family member is with him, the insurance will pay the reasonable travel and hotel accommodation expenses incurred by one relative or friend of the Insured to stay with him until he returns to Singapore.
Q	The country where I was travelling suddenly devalued their currency and I am now $800 worse off - can I claim for the loss?
	No, the Policy only covers you for loss of money due to theft, burglary or robbery.
Q	What should I do if I lose money whilst abroad ?
	You should report to the local police within 24 hours after the incident.
Q	If my belongings are left outside on a bench while I am in a queue are they covered if stolen?
	No, you did not take all reasonable care of the property and it was left unattended.
Q	If I send a suitcase back to Singapore early, will it be covered?
	No, unaccompanied baggage that is not checked in with the airline you are flying with is not covered.
Q	The original article was stolen while on the trip and the replacing article was lost a few days later - is the second article also covered?
	Yes, provided proof of purchase and proof or loss can be provided for both occurrences.
Q	Is Baggage Delay at Singapore airport covered?
	No, You are covered only for baggage delays that occur overseas.
Q	What does this benefit cover?
	If you select the Superior Plan, you will receive this Bonus Cover which protects you against loss or damage to the household Contents caused by fire to your residence that was left vacant throughout the Trip. The maximum amount payable per household is $5,000.
Q	Will "Double Indemnity" apply to death resulting from a motorcycle / bicycle accident?
	No, Accidental Death & Disablement benefit will apply in these cases.
Q	How do you define "Relative" under the Hospital Visitation and Child Guard benefits?
	"Relative" refers to your spouse, child, parent. parent-in-law, grandparent, parent-in-law, great grandparent, great grandparent-in-law, grandchild, brother, sister, niece, nephew, auntie or uncle.
Q	Are sports such as mountaineering and rock climbing covered under AIGAssist™?
	All leisure amateur sports, including mountaineering, rock-climbing, winter and water sports covered at No extra premium. Participation in any professional sports or in any sport whereby the Insured Person(s) would or could earn or receive remuneration, donation, sponsorship or award of any kind is excluded.
Q	Are premiums refundable?
	No refund of premiums will be allowed once the Travel Guard policy has been activated.
Q	How do I submit a Claim?
	Click to see CLAIM procedure