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Personal
 
 

Unisure Leisure Travel

The below is provided for general information only and is not a contract of insurance. Full details of the terms, conditions and exclusions of the insurance are provided in the policy contract and will be sent to you upon acceptance of your application by UOI.

You may wish to seek advice from a qualified advisor before making a commitment to purchase the product. In the event that you choose not to seek advice from a qualified adviser, you should consider carefully whether the product is suitable for you.

To find out more about this product, please contact our Underwriting Department at 6222 7733 or email your enquiry to us for follow up.

Table of Benefits (With effect from 10 September 2018)
Benefits Maximum Limit Per Plan
unless otherwise stated
Platinum
(S$)
Gold
(S$)
Silver
(S$)
1. Accidental Death and Permanent Total Disablement 
(a) Adult age below 70 years old 350,000 250,000 150,000
(b) Adult age 70 years old and above  125,000 100,000 75,000
(c) Child  100,000 100,000 50,000
(d) Aggregate Limit for Family Plan  1,000,000 750,000 400,000
2. Personal Accident Double Indemnity while on Public Conveyance or Natural Disaster event 
(a) Adult age below 70 years old  700,000 500,000 300,000
(b) Adult age 70 years old and above  250,000 200,000 150,000
(c) Child 200,000 200,000 100,000
(d) Aggregate Limit for Family Plan 2,000,000 1,500,000 800,000
3. Child’s Education Fund 20,000 20,000 No Cover
    Benefit for each Child 5,000 5,000 No Cover
4. Medical and Accidental Dental Expenses Incurred Overseas
(a) Adult age below 70 years old  750,000 500,000 250,000
(b) Adult age 70 years old and above  200,000 150,000 75,000
(c) Child  200,000 200,000 150,000
(d) Aggregate Limit for Family Plan  2,000,000 1,500,000 750,000
5. Medical Expenses Incurred Upon Return to Singapore
(a) Adult age below 70 years old  35,000 20,000 10,000
(b) Adult age 70 years old and above  15,000 10,000 5,000
(c) Child  35,000 20,000 10,000
(d) Aggregate Limit for Family Plan  100,000 50,000 30,000
6. Traditional Chinese Medicine and/or Chiropractic Treatment Expenses
Limit for Per Individual 500 300 200
Aggregate Limit for Family Plan 1,000 600 400
7. Emergency Mobile Phone Charges 300 200 100
8. Hospital Confinement Allowance (Overseas & Singapore) 25,000 20,000 15,000
Limit for each Insured Person for each complete day 250 200 150
9. Emergency Medical Evacuation and Repatriation
(a) Adult age below 70 years old  Unlimited Unlimited Unlimited
(b) Adult age 70 years old and above  150,000 150,000 75,000
(c) Child  Unlimited Unlimited Unlimited
10. Repatriation Expenses for Mortal Remains 
(I) Repatriation of mortal remains or funeral expenses excluding
     Pre-existing Condition
(a) Adult age below 70 years old Unlimited Unlimited Unlimited
(b) Adult age 70 years old and above Unlimited Unlimited Unlimited
(c) Child Unlimited Unlimited Unlimited
(II) Repatriation of mortal remains or funeral expenses arising out of, from or due to Pre-existing Condition
(a) Adult age below 70 years old 50,000 50,000 No Cover
(b) Adult age 70 years old and above 35,000 35,000 No Cover
(c) Child 50,000 50,000 No Cover
11. Compassionate Visit 10,000 5,000 3,000
12. Child Help 10,000 5,000 3,000
13. Trip Cancellation
15,000 10,000 5,000
Sub-limit for Trip Postponement 2,000 1,000 500
Sub-limit for Unutilised Entertainment Ticket 1,000 500 200
Sub-limit for Cancellation due to bankruptcy or insolvency of Travel Agent 5,000 3,000 1,500
14. Trip Curtailment 15,000 10,000 5,000
Sub-limit for Unutilised Entertainment Ticket 1,000 500 200
15. Travel Delay
(a) While Overseas – Delay for each full 6 consecutive hours
(i) For Per Individual 100 100 100
(ii) For Family Plan 250 250 250
(b) Upon Return to Singapore – Lump Sum for Delay more than 6 consecutive hours
(i) For Per Individual 100 100 100
(ii) For Family Plan 250 250 250
Maximum Limit for Per Individual 1,600 1,200 1,000
Maximum Limit for Family Plan 4,000 3,000 2,500
16. Flight Deviation 1,000 1,000 1,000
Limit for each full 6 consecutive hours 100 100 100
17. Travel Misconnection 300 200 100
18. Overbooked Scheduled Public Conveyance 200 150 100
19. Baggage & Personal Effects 8,000 5,000 3,000
Limit for Single / Pair or Set of Article 800 800 500
Limit for Laptop Computer and Mobile Device 1,000 1,000 1,000
20. Baggage Delay
(a) While Overseas – Delay for each full 6 consecutive hours
(i) For Per Individual 200 200 100
(ii) For Family Plan 400 400 200
(b) Upon Return to Singapore – Lump Sum for Delay more than 6 consecutive hours
(i) For Per Individual 200 200 100
(ii) For Family Plan 400 400 200
Maximum Limit for Per Individual 1,200 1,200 1,000
Maximum Limit for Family Plan 2,400 2,400 2,000
21. Personal Money and Travel Documents 7,000 5,000 3,000
Sub-limit for Personal Money 500 500 300
22. Fraudulent Credit Card Usage 500 500 250
23. Personal Liability 1,000,000 1,000,000 500,000
24. Hijack 10,000 5,000 3,000
Limit for each full 12 consecutive hours 250 250 150
25. Kidnap and Hostage 10,000 5,000 3,000
Limit for each full 12 consecutive hours 250 250 150
26. HomeSure (per household) 5,000 5,000 3,000
Sub-limit for Single / Pair or Set of Article 500 500 500
Sub-limit for burglary 1,000 1,000 500
27. Rental Vehicle Excess 1,000 500 No Cover
28. Terrorism
Covers all Sections up to the maximum benefit amount, excluding nuclear, chemical and biological terrorism
Covered Covered Covered
All amounts shown in Singapore Dollars (SGD).
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Important Details
Eligibility for Cover
  • The applicant must be domiciled in Singapore.
  • The applicant must be a Singapore Citizen or Permanent Resident of Singapore or has a valid Employment Pass or Work Permit to work in Singapore or have a Dependent Pass or Long Term Visit Pass.
  • Family Plan consists of you and your spouse with any number of your children. The family must be travelling together throughout the same travel period.
  • Child means a fully dependent child under the age of 18 years or up to 23 years who is studying full-time in a recognised institution of higher learning and is not married nor in any employment at the time of purchase of this Certificate of Insurance and/or Policy.
  • The trip must not be for the purpose of seeking medical treatment.
Other Enrolment Information
  • Age shall mean the age of the Insured or Insured Person on his/her next birthday on the start date of the Period of Insurance stated in the Certificate of Insurance and/or Policy.
  • An adult shall mean a person who is age 18 years old and above at the commencement of the Trip.
  • Male who is serving National Service or waiting for enlistment is construed as an Adult.
  • Annual Multi-Trip Individual Plan is available for Insured Person who is above the age of 21 years old and up to 65 years old.
Commencement of Coverage
  • All trips must start and end in Singapore.
  • Travel Insurance must be purchased before commencement of trip from Singapore.
Maximum Duration of Trip(s)
  • Single Trip: Up to 185 days.
    Inadequate period of insurance for Single Trip Plan may prejudice the validity of insurance cover
  • Annual Multi-Trip: Multi-trips, subject to maximum 90 days per Trip
Calculation of Premium
If the same Trip involves travel to a few countries and to different zones, the premium to be charged shall be based on the furthest zone
Refund and Cancellation Policy
In the event the Insured wishes to cancel the policy after successful payment, it will be subject to an administrative charge of S$25 for each Insured Person for Individual Plan and S$25 for each Family Plan. For Annual Multi-Trip Plan, it will be subject to the short term rate as stated in the policy wording.
Main Exclusions
  • Participation in any professional sports or in games whereby the Insured Person would earn remunerations sponsorship or income of any kind.
  • Pregnancy including childbirth, caesarean operation, abortion, miscarriage (and all complications thereon) except miscarriage due to an accident.
  • Mental illness or psychiatric disorder, AIDS or related diseases, self-inflicted injury or illness
  • Pre-existing condition unless specifically covered
  • War and kindred risks and government acts
  • Nuclear/Chemical/Biological Terrorism Exclusion (LSW 1176)
  • Exposure to nuclear hazards
For the full list of Exclusions, you can request a copy of the specimen Policy from UOI.
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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 your insurer or visit the GIA / LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

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