Student Travel Program

Policy No. 52323625

Singapore Management University

Disclaimer-this presentation describes briefly all the benefits provided in this program. The specific terms , conditions and exclusion applicable to this insurance will be governed by the Master Policy.

Table of Contents

▪ Eligibility

▪ Scope of Coverage

▪ Benefit of Schedule

▪ General Exclusions

▪ Guideline for Claims

▪ How To File A Claim

▪ Frequently Asked Questions

SMU Student Travel

Eligibility

All undergraduates (UGs), Postgraduates (PGPs & PGRs) & Non-Graduating (NGs) students on

official travels sanctioned by the SMU.

Scope of Coverage

Provides 24 hours cover whilst on authorised school trip, including personal deviation before or after

an authorised trip (max. 60 cumulative days)

Pg 1

SMU Student Travel

Schedule of BenefitsPlan 1

(S$)

1a

Accidental Death & Permanent Disablement

Pays up to S$50,000 compensation in the event of accident death and/or permanent

disablement.

50,000

1bBurial Expenses

Additional payout in the event of accidental death.2,000

1c

Third Degree Burns

A burn resulting in the damage or destruction of the skin to its full depth and damage to the

tissues beneath.

50,000

1dSecond Degree Burns

A burn where both the epidermis and the underlying dermis are damaged.20,000

1e

Accidental Death due to Public Conveyance

Additional payout if insured member sustains bodily injury resulting in accidental death

whilst travelling as a fare-paying passenger in a Public Conveyance.

10,000

2

Medical Expenses

Covers the insured member for medical expenses incurred as a result of accident or

sickness during a trip.

TCM is covered up to $1,000

250,000

Pg 2

SMU Student Travel

Schedule of BenefitsPlan 1

(S$)

3a

Emergency Medical Evacuation

If the insured member is in a critical medical condition whilst overseas and in the opinion of

an authorized representative of ISOS, it is judged medically appropriate to move the

insured member to another location for medical treatment or return the insured member to

his country of residence

Unlimited

3b

Repatriation Expenses

If the insured member died whilst overseas, an authorized representative of ISOS, shall

make the necessary arrangement for the return of the insured member’s mortal remains to

his city of residence or usual place of residence.

Unlimited

4

Post Journey Medical Expenses

If the insured member sustains bodily injury or sickness and seek medical treatment whilst

overseas, extend to include the follow up treatment back in country of residence within 60

days after the end of the journey.

If the insured member sustains bodily injury or sickness and does not seek medical

treatment overseas, the insured member must first seek medical treatment in his country

of residence within 7 days upon return to his country of residence and subsequent medical

treatments are covered up to a maximum of 60 days after the end of the journey.

10,000

Pg 3

SMU Student Travel

Schedule of BenefitsPlan 1

(S$)

5a

Trip Cancellation

Cover the expenses (unrecoverable expenses, for charges, deposits, payment or advance

payments for travel or accommodation charges which have not been or will not be used) If

insured member is forced to cancel any part of a planned journey prior to the

commencement of the journey as the direct and necessary result of any specified cause

occurring within 30 days prior to the commencement of the planned journey.

5,000

5b

Trip Curtailment and Rearrangement

Cover the expenses (unrecoverable expenses, for charges, deposits, payment or advance

payments for travel or accommodation charges which have not been or will not be used) if

the insured member is forced to curtail or alter the itinerary of any part of a planned

journey during the course of that journey, as the direct and necessary result of any

specified cause.

Rearrangement expenses mean all reasonable travel and accommodation expenses

incurred in transporting the insured member back to the point at which the journey was

curtailed to complete the journey where it is commercially reasonable to so o provided that

such expenses do not include first class or business class airfares.

5,000

Pg 4

SMU Student Travel

Schedule of BenefitsPlan 1

(S$)

6

Travel Postponement

If a journey is postponed due to serious injury or sickness, death of a closed relative,

unexpected strike, riot or civil commotion, terrorism, adverse weather or natural

catastrophe, subpoena or jury service occurring within 30 days before the departure of the

journey.

1,000

7

Loss of Money and Travel Documents

Cover loss of money due to robbery, burglary, theft or threat of violence.

Cover financial loss as a direct result of a credit, charge or bakers card being lost or stolen

and being subsequently used fraudulently by any person other than the insured person.

Cover loss or damage to the travel documents (passport, visas or travel tickets)

300

8

Personal Property & Baggage (including golfing equipment & portable computer)

Cover the loss or damage to the personal property and baggage (subject to wear & tear

and depreciation or at the option to reinstate or repair such articles)

Limit of any one item - $500

1,000

Pg 5

SMU Student Travel

Schedule of BenefitsPlan 1

(S$)

9

Travel Delay

If the departure of the public conveyance in which the insured person has arranged to

travel is delayed for more than 6 hours due to event leading to airspace or airport closure,

strike or industrial action, civil commotion, terrorism, adverse weather or natural

catastrophe, mechanical breakdown / derangement of the public conveyance (excluding

taxi), bomb threat, grounding of a public conveyance as a result of mechanical or

structure defects, discovery of a suspicious object as declared by the relevant authorities.

$200 per every 6 hourly

1,000

10

Baggage Delay

If the insured member’s check-in baggage is delayed due to misdirection in delivery for

more than 6 hours, a sum of $200 will be paid out for every 6 hourly.

1,000

11

Personal Liability

Indemnify against all sums which the insured member shall become legally liable to pay

as compensation in respect of death or harm, accidental property damage as a result of

an occurrence happened

500,000

Pg 6

SMU Student Travel

Schedule of BenefitsPlan 1

(S$)

12

Emergency Travel Expenses

If the insured member is confined for more than 5 consecutive days in a hospital and no

adult member of his family is with him, CHUBB will indemnify a reasonable travel and

accommodation expenses necessarily incurred by 2 relatives or friends of the insured

person to visit and stay with him, until the insured member is medically fit to return to his

country of residence

10,000

13

Travel Misconnection

If insured member misses a connecting flight due to late arrival of the incoming flight or any

event leading to airspace or airport closure and no alternative transportation is made

available by the Public Conveyance, CHUBB will pay $200 for every 6 hours of delay.

1,000

14

Overbooked Flight

If an insured member is denied boarding on a confirmed flight due to overbooking and no

alternative transportation is made available by the Public Conveyance to the insured

member, CHUBB will pay $200 to the insured member.

200

15

Emergency Mobile Phone Charges

If the insured member needs to contact iSOS for assistance in an emergency situation,

CHUBB will indemnify the mobile phone charges incurred to contact CHUBB Assistance up

to $200.

200

Pg 7

SMU Student Travel

General Exclusions

This policy does not cover or indemnify any amount, directly or indirectly, caused by, as a consequence of, in

connection with or is contributed to by any of the following:

1. Declared or undeclared War or any act of War, foreign invasion, Civil War, rebellion, revolution or insurrection.

2. Any intentional self-injury, suicide, reckless misconduct or any illegal or criminal act committed by the insured

member.

3. The insured member undertaking any journey against the advice of a Physician or for the purpose of seeking

medical attention.

4. Any pre-existing condition unless the insured person has been insured continuously under any group or corporate

hospital and surgical insurance policy (excluding individual medical schemes paid by using Medisave Account

under the Central Provident Fund or in partial payment made in cash by the insured member) for at least 12

months immediately prior to the date that the insured member is added to the Policy If at any point after this 12

months period, the insured member changes his employer, this exclusion shall not apply so long as the date that

this insured member is added into the policy occurs within 30 date of the termination of his previous employment.

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SMU Student Travel

General Exclusions

5. Training for and/or participating in professional sport of any kind;

6. The Insured member engaging in testing of any kind of conveyance; works onboard docked or sailing vessels,

offshore oil rigs and offshore platform or mining; handling of explosives or diving activities.

7. Any congenital anomalies.

8. Any loss or damage which could have been avoided by the exercise of reasonable care by the insured member.

9. Any condition which results from or is a complication of pregnancy, childbirth, miscarriage (except Accidental

Miscarriage not attributed to any natural causes and/or sickness) or abortion, intoxication by alcohol, or drugs not

prescribed by a physician.

10. Cosmetic surgery, dental treatment and other elective treatments.

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SMU Student Travel

Guideline For Claims

Immediately report to the relevant parties or authorities (such as police, airlines, travel agent, hotel) and obtain written

confirmation of the loss or damage sustained.

Retain all relevant information / documents (such as police report, airline’s irregularity or loss or damage / flight or

baggage delay report, medical reports, original detailed bills / receipts), damaged items and photographs as well as

witnesses’ particulars (if any) to substantiate your claim.

Promptly notify all loss or damage to CHUBB Claims Representative. In any event, written notice must be given within

30 days after the occurrence or loss. To ensure prompt processing of your claim, please submit a completed claim

form together with the supporting documentation as soon as possible. If in doubt, please contact the hotline.

To enable claims to be dealt with promptly, the claimant is advised to submit all available supporting documents which

are summarized below, without delay. Any documents required that are missing when completing the claim form can

be submitted at a later date when the documents are available.

Please retain a copy of all materials for your records and submit all claims with supporting documents to CHUBB. You

will be contacted if additional information or documentation is required.

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SMU Student Travel

Travel Claims:✓ Completed claim form

✓ Air tickets and all boarding passes

✓ Travel itinerary

Medical Expenses Claims✓ Original Detailed Pre-Medical / Final hospitalisation / Post-Medical bills

✓ In-patient Discharge Summary, Detailed Medical Report / Memo from Attending Physician on the type of

illness or injury sustained

✓ Police or Accident Report (if any)

Permanent Disablement✓ Original detailed invoices from attending Physician, hospital, clinic

✓ Medical reports or certification from attending Physician(s)

✓ Police or Accident Report (if any)

✓ Documentary Proof of the Commencement Date of Employment and confirming that the Claimant is a

student of the Policyholder prior to the time of Incident (e.g. Certified True Copy of Pay Slip)

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SMU Student Travel

Accidental Death✓ Certified true copy of death certificate

✓ Original medical reports / attending physician’s statement

✓ Police report / accident report / newspaper report, if any

✓ Coroner’s report and / or postmortem report, if available

✓ Certified true copy of Grant of Letters of Administration or Grant of Probate and Estate

✓ Duty Schedule (not required if payment is made to Named Insured i.e. Employer)

✓ If married with child / children, certified copy of marriage certificate and birth certificate of each dependant

child as defined in the policy in respect of Family Security Benefit (if applicable).

✓ Documentary Proof of the Commencement Date of Employment and confirming that

✓ the Deceased was a student of the Policyholder prior to the time of death (e.g. Certified True Copy of Pay

Slip).

✓ If death occurred overseas, please attach burial / cremation documentation and letter from Immigration &

Checkpoints Authority (ICA) confirming the invalidation of Deceased’s

✓ Singapore NRIC / Passport.

✓ Documents must be authenticated

✓ by either of the following:

➢ Singapore Embassy in the country of death;

➢ Singapore Consulate; or

➢ Notary Public.Pg 12

SMU Student Travel

Trip Cancellation / Postponement✓ Certified true copy of death certificate or

✓ Medical reports and / or other original documents (or certified copies) as evidence of the injury or sickness

✓ Proof of relationship to Insured Person

✓ Original invoice / receipts from airline, travel agent or hotel as evidence of the cancellation or administration /

change / rebooking charges incurred

Trip Curtailment✓ Certified true copy of death certificate or

✓ Medical reports and / or other original documents (or certified copies) as evidence of the injury or sickness

✓ Proof of relationship to Insured Person

✓ Original invoice / receipts from airline, travel agent or hotel evidencing non-recoverable deposits for travel

fare and hotel accommodation

✓ Original invoices / receipts of additional accommodation and travelling expenses incurred

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SMU Student Travel

Loss of Personal Money and Travel Documents✓ Original bills / receipts for replacement of personal documents

✓ A copy of the police report

✓ Any document (such as ATM withdrawal slips, money exchange receipts) to substantiate loss of cash.

✓ The loss or damage must be reported to the police or relevant authority having jurisdiction where the loss or

damage occurred, within twenty-four (24) hours from the incident.

Loss or Damage to Personal Baggage / Property✓ Original purchase bills / receipts for lost or damaged property

✓ Photographs of damaged items and the original repair bills / receipts

✓ Copy of the police report

✓ If loss occurred in the custody of the airline or airport:

➢ Property Irregularity Report from the airline, and

➢ Written confirmation from the airline on any compensation payable or paid

✓ The loss or damage must be reported to the police or relevant authority having jurisdiction where the loss or

damage occurred, within twenty-four (24) hours from the incident.

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SMU Student Travel

Travel Delay✓ Written confirmation from airline on: reason(s) and duration of delay; details of scheduled and actual

departure flights

Baggage Delay✓ Airlines’ Property Irregularity Report or delay report from airline

✓ Acknowledgement or written confirmation from airline or hotel confirming receipt or return of baggage

Travel Misconnection / Overbooked Flight✓ Written confirmation from airline on: reason(s) and duration of delay; details of scheduled and actual

departure flights

For all other sections or benefits under the Policy which are not listed above, please contact CHUBB Claim Hotline

in the event of a claim if you need assistance.

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SMU Student Travel

How To File A ClaimPlease submit your claims within thirty (30) days of the occurrence of any event, which may give rise to a claim under

this Policy.

For claims below S$1,000, submit via the link below (Key in policy number & claims information / details):-

https://www.chubbclaims.com/ace/sg-en/welcome.aspx

Any queries, email to general mailbox @ Travelclaims.sg@chubb.com

CHUBB Claims hotline: 6299 0988

ISOS’ 24-hours Alarm Centre: +65 6336 0122

For claims above $1,000, complete the claim form with the required supporting documents to the following address:

CHUBB Insurance Singapore Limited

138 Market Place

#11-01 CapitaGreen

Singapore 048946

Attention to: Claims DepartmentPg 16

Frequently Asked Questions (FAQs)

Q1. Am I covered on the way to and from the airport in Singapore?

Ans : Yes, you are covered when you leave the place of residence and on the way to the airport or 3 hours before the

schedule departure time, whichever is later. The cover will terminate when you return directly to the place of

residence or 3 hours after the scheduled arrival time, whichever is earlier.

Q2. What is the duration of each trip?

Ans: 183 consecutive days (including personal deviation)

Q3. What is personal deviation?

Ans: Personal deviation means personal vacation taken by an insured member immediately before, during or

immediately after an authorized trip and within the applicable territorial limits that the insured member is

covered, up to a maximum cumulative of 60 days.

Q4. Which country is not covered under the travel program?

Ans: Country on war, as well as sanction countries (Iran, Syria, Cuba, North Korea, North Sudan and Crimea)

Q5. What is the timeframe for me to submit claims?

Ans: Standard practice is within 30 days.

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Frequently Asked Questions (FAQs)

Q6. If I am overseas for more than 6 months, can I submit the claims?

Ans: Yes, you may submit the claims via the CHUBB claim portal first even the amount is more than $1,000 and submit

the hardcopy once returned to Singapore.

Q7. If my medical report is in foreign language, can I submit the document?

Ans: Yes. CHUBB may reserves the right to request for an English translated document.

Q8. If required to translate the language, can I request the university overseas to assist and can CHUBB

accept?

Ans: Yes.

Q9. Can I purchase additional cover?

Ans: Yes, you can purchase additional cover via this link https://www.chubbtravelinsurance.com.sg/

Q10. How does CHUBB reimburse me if I do not have a local bank account?

Ans: CHUBB will T/T the payment to your overseas bank account. All the bank charges to facilitate this fund transfer

are not covered under the policy.

Q11. If I have submitted a claim and while processing, I have returned to my home country, can CHUBB T/T the

payment to my account?

Ans: Yes. All the bank charges to facilitate this payment are not covered under the policyPg 18

Frequently Asked Questions (FAQs)

Q12. I am pregnant. Wil I be covered while I am overseas.

Ans: No, the policy does not cover any pregnancy related issues (except accidental miscarriage not attributed to any

natural causes and/or sickness).

Q13. Is dental treatment covered while I am overseas?

Ans: No, dental treatment is not covered except for accidental injury ( Dental charges to restore sound and natural

teeth resulting from an accident).

Q14. What is “Specified Cause”?

Ans: Specified Cause means any of the followings:

a. Insured member’s death, or bodily injury or sickness sustained by him and rendering him unfit to travel in the

opinion of a physician.

b. Death of a closed relative or bodily injury or sickness necessitating him to be confined to a hospital.

c. Compulsory quarantine, jury service, subpoena, or hijack.

d. Unexpected Strike, Riot or Civil Commotions, Terrorism, adverse weather or Natural Catastrophe arising out

of circumstances beyond the control of the insured member.

e. The insured member’s residence or country od residence becoming uninhabitable resulting from fire, storm,

flood, theft, subsidence or malicious damage.

Q15. Are Act of Terrorism covered?

Ans: Yes, this policy is extended to cover terrorism ( including Nuclear, Chemical or Biological Terrorism)Pg 19

Thank You