Overseas StudentCare

Key benefits

1

Worldwide coverage

2

Study loan repayment benefit

3

Comprehensive covers during holidays during term break

4

Rental vehicle excess cover

5

24-hour assistance helpline

We have got your needs covered

Compare our plans in details, you'll definitely find something that suits you

Accident & Health

Personal Accident - Insured adult (Maximum payable)
Covers permanent disablement or death following accidental bodily injury

Benefit Limit (Per Person per year¹)

S$200,000

Personal Accident - Insured child (< 18 years)(Maximum payable)
Covers permanent disablement or death following accidental bodily injury

Benefit Limit (Per Person per year¹)

S$50,000

Passive War Extension
Covers death or bodily injury sustained by you through war-like operations provided that you are not directly or indirectly involved in such activities

Benefit Limit (Per Person per year¹)

Covered

Criminal Assault
Covers accidental death or permanent disablement suffered as a result of criminal assault whilst overseas

Benefit Limit (Per Person per year¹)

S$100,000

Medical Expenses (following Accident)
Reimburses medical expenses arising from accidental bodily njury sustained overseas including treatment by a Chinese physician, physiotherapist, and chiropractor

Benefit Limit (Per Person per year¹)

S$15,000

Travel

Travel Delay
Pays S$50 for each full 6 consecutive hours if the departure of scheduled transport is delayed whilst overseas. We will pay a maximum limit of S$50 for travel delay in Singapore if the delay is in excess of 6 full consecutive hours

Benefit Limit (Per Person per year¹)

S$500

Baggage Delay
Pays S$50 for each full 6 consecutive hours if the insured person’s checked-in baggage is delayed whilst overseas. We will pay a maximum limit of S$50 for baggage delay in Singapore if the delay is in excess of 6 full consecutive hours

Benefit Limit (Per Person per year¹)

S$500

Loss of Travel Documents
Pays for the cost of replacing your travel documents whilst overseas as a result of theft, violence or natural disaster including the additional travel and hotel accommodation expenses incurred

Benefit Limit (Per Person per year¹)

S$500

Loss or Damage to Personal Baggage
Covers loss or damage sustained overseas to personal baggage due to theft or misdirection whilst in the care, custody, and control of a scheduled transport provider. Maximum of S$200 payable in respect of each item or set or pair of items

Benefit Limit (Per Person per year¹)

S$1,000

Hospital Visit

Covers the travel expenses incurred by you to return to your home country to visit your immediate family member who is hospitalised for more than 5 consecutive days
Covers the travel and accommodation expenses incurred by a relative or friend to visit you if you are hospitalised overseas for more than 5 consecutive days

Hospital Visit

Covers the travel expenses incurred by you to return to your home country to visit your immediate family member who is hospitalised for more than 5 consecutive days
Covers the travel and accommodation expenses incurred by a relative or friend to visit you if you are hospitalised overseas for more than 5 consecutive days

Benefit Limit (Per Person per year¹)

S$5,000

Compassionate Visit

Covers the cost of travel expenses incurred by you to return to your home country in the event of the death of your immediate family member
Covers the cost of travel and accommodation expenses incurred by a relative or friend to assist in the repatriation arrangement of the insured’s mortal remains

Compassionate Visit

Covers the cost of travel expenses incurred by you to return to your home country in the event of the death of your immediate family member
Covers the cost of travel and accommodation expenses incurred by a relative or friend to assist in the repatriation arrangement of the insured’s mortal remains

Benefit Limit (Per Person per year¹)

S$5,000

Emergency Assistance

Emergency Medical Evacuation (24 hours)
In the event that you require emergency medical treatment unavailable locally, this benefit covers your medical evacuation to a more appropriate medical facility.
Liberty Helpline: (65) 6636 1131

Benefit Limit (Per Person per year¹)

Unlimited

24-hour Medical and Travel Assistance
If you require medical or travel assistance whilst overseas, you may contact Liberty Helpline: (65) 6636 1131 for 24-hour assistance anytime, anywhere

Benefit Limit (Per Person per year¹)

Covered

Liberty China Card
Waiver of hospital admission deposit at designated hospitals in Hong Kong, China, and Taiwan

Benefit Limit (Per Person per year¹)

Covered

Quarantine Following Infectious Diseases
Pay S$100 for each complete day of quarantine (up to max 14 days) whilst on a trip overseas or within 7 days upon returning to Singapore

Benefit Limit (Per Person per year¹)

S$1,400

Bail Bond Facility
Provides assistance in arranging a bail bond following your arrest for a bailable offence whilst overseas.
Liberty Helpline: (65) 6636 1131

Benefit Limit (Per Person per year¹)

Covered

Repatriation of Mortal Remains
Covers the cost of transporting insured’s mortal remains from the place of insured’s death to his/her home country or the cost of a local burial at the place of death

Benefit Limit (Per Person per year¹)

Unlimited

Property

Overseas Home Guard
Covers loss or damage due to fire, natural disaster or theft (consequent upon actual forcible and violent entry of or exit from the premises) of household contents and your personal belongings including handheld devices, stored at your permanent overseas residence

Maximum payable in respect of:

each item or set or pair items (including handheld devices) up to S$200
laptop/computer/notebook up to S$1,000

Overseas Home Guard
Covers loss or damage due to fire, natural disaster or theft (consequent upon actual forcible and violent entry of or exit from the premises) of household contents and your personal belongings including handheld devices, stored at your permanent overseas residence

Maximum payable in respect of:

each item or set or pair items (including handheld devices) up to S$200
laptop/computer/notebook up to S$1,000

Benefit Limit (Per Person per year¹)

S$3,000

Liability

Personal Liability
Insures against third-party claims for bodily injury or property damage caused by your negligence whilst overseas. Our liability for all compensation payable in respect of any one occurrence and in the aggregate shall not exceed the Benefit Limit

Benefit Limit (Per Person per year¹)

S$300,000

Rental Vehicle Excess Cover
Covers the excess or deductible which you may be legally liable to pay in respect of accidental loss or damage to a rental vehicle whilst overseas

Benefit Limit (Per Person per year¹)

S$1,000

Student Assistance

Study Interruption
Covers tuition fees paid in advance for the current semester in the event you are unable to continue your studies overseas for the remaining part of the semester due to your hospitalisation, terminal illness or death of an immediate family member

Benefit Limit (Per Person per year¹)

S$10,000

Study Loan Repayment
Covers the outstanding study loan which you are liable to pay in the event of your accidental death

Benefit Limit (Per Person per year¹)

S$5,000

Sponsor Protection
Covers the unpaid tuition fees in the event of accidental death or permanent disablement of your sponsor named in the policy, who is responsible for paying the tuition fees

Benefit Limit (Per Person per year¹)

S$15,000

¹The same limit applies for policies which are less than 1 year
The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions.

Optional Benefits

Medical Expenses (following Accident or Illness)
Covers hospital & surgical expenses incurred due to an injury sustained or illness contracted whilst overseas

Option A
(Benefit Limit - Per person per year¹)

S$25,000²

Option B
(Benefit Limit - Per person per year¹)

S$50,000²

Option C
(Benefit Limit - Per person per year¹)

S$100,000²

Medical Expenses (following Accident or Illness)
Covers hospital & surgical expenses incurred due to an injury sustained or illness contracted whilst overseas

Maximum payable in respect of:

Hospital & surgical expenses incurred if you are hospitalised within 5 days upon return to Singapore if medical treatment was not sought overseas

Medical Expenses (following Accident or Illness)
Covers hospital & surgical expenses incurred due to an injury sustained or illness contracted whilst overseas

Maximum payable in respect of:

Hospital & surgical expenses incurred if you are hospitalised within 5 days upon return to Singapore if medical treatment was not sought overseas

Option A
(Benefit Limit - Per person per year¹)

S$5,000

Option B
(Benefit Limit - Per person per year¹)

S$5,000

Option C
(Benefit Limit - Per person per year¹)

S$5,000

Medical Expenses (following Accident or Illness)
Covers hospital & surgical expenses incurred due to an injury sustained or illness contracted whilst overseas

Maximum payable in respect of:

Medical Expenses incurred for outpatient treatment of illness whilst overseas (Excess of S$100 per visit)

Medical Expenses (following Accident or Illness)
Covers hospital & surgical expenses incurred due to an injury sustained or illness contracted whilst overseas

Maximum payable in respect of:

Medical Expenses incurred for outpatient treatment of illness whilst overseas (Excess of S$100 per visit)

Option A
(Benefit Limit - Per person per year¹)

S$1,000

Option B
(Benefit Limit - Per person per year¹)

S$1,500

Option C
(Benefit Limit - Per person per year¹)

S$2,000

Study Interruption
Covers tuition fees paid in advance for the current semester in the event you are unable to continue your studies overseas for the remaining part of the semester due to your hospitalisation, terminal illness or death of an immediate family member

Option A
(Benefit Limit - Per person per year¹)

S$5,000

Option B
(Benefit Limit - Per person per year¹)

S$10,000

Option C
(Benefit Limit - Per person per year¹)

S$15,000

² Aggregate Limit applicable to Medical Expenses (following Accident or Illness)
¹ The same limit applies for policies which are less than 1 year

The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions.

Annual Premium for Standard Lives only (SG$)

Individual

3 months

Premium Payable

S$203.87

Option A

S$65.60

Option B

S$167.54

Option C

S$341.13

6 months

Premium Payable

S$305.81

Option A

S$152.40

Option B

S$320.94

Option C

S$600.51

1 year

Premium Payable

S$407.74

Option A

S$198.82

Option B

S$493.53

Option C

S$926.50

Family Plan4

3 months

Premium Payable

N.A.

Option A

N.A.

Option B

N.A.

Option C

N.A.

6 months

Premium Payable

S$687.31

Option A

S$342.14

Option B

S$723.64

Option C

S$1,348.37

1 year

Premium Payable

S$916.41

Option A

S$489.49

Option B

S$1,102.11

Option C

S$2,084.12

⁴Family refers to you, your legal spouse and up to 3 of your children

Premiums above include prevailing GST

Discount³

2 Years

Discount

5%

3 Years and Above

Discount

7.5%

³Discount is applicable when policy is incepted for 2 years or more

Notes

Eligibility

You must be:
between 15 to 45 years of age
a Singapore citizen, Singapore permanent resident or foreigner holding a valid Singapore student pass
registered as a full-time student with an overseas educational institution or participating in a student exchange program or industrial attachment overseas as arranged by your educational institution in Singapore

Major Exclusions

This policy will not cover any loss, injury, illness, damage or legal liability arising directly or indirectly from:

illegal or unlawful acts
suicide or self-inflicted injury
HIV and related conditions
pregnancy or childbirth and related complications
participation in professional and/or competitive sports
pre-existing conditions
mental and nervous disorders
travel in, to or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan, Syria, and Lebanon

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 (sgservicecenter@libertymutual.com) or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).