Key benefits
Newly introduced no-frills travel insurance plan with affordable coverage for budget-conscious travelers
Provides the essential coverage to ensure peace of mind while travelling
Covid-19 cover under Overseas Medical Expenses, Emergency Medical Evacuation & Repatriation of Mortal Remains
Worldwide 24-Hour Emergency Medical and Travel Assistance
TourCare Essential
Introducing the simplified and budget-friendly version of our popular travel insurance, TourCare Plus. Designed for smart and budget-conscious travellers, TourCare Essential covers the essential aspects of travel while still providing reliable coverage. Select 1 of the 3 plans under TourCare Essential and travel with peace of mind, knowing that you have the perfect insurance for your upcoming travels.
Personal Accident Coverage
Medical Expenses Coverage
Travel Inconvenience Compensation
Emergency Medical Evacuation & Repatriation of Mortal Remains
24-Hour Medical & Travel Assistance
We have got your needs covered
Compare our plans and choose the one that suits you
Description
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
Personal Accident
(Double Indemnity for Road Accident)
Compensates for Accidental death or permanent disablement following Accidental bodily injury
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual Age 75 years & below
- Per Individual Age 76 to 85 years
- Per Insured Child (<25 years)
Lite
(Maximum Coverage S$)
- S$100,000
- S$20,000*
- S$20,000
Savvy
(Maximum Coverage S$)
- S$150,000
- S$30,000*
- S$30,000
Xtra
(Maximum Coverage S$)
- S$200,000
- S$50,000*
- S$50,000
Overseas Medical Expenses
Pays for medical and hospital expenses incurred whilst abroad as a result of Sickness or Injury including treatment by Chinese Physician, Chiropractor and/or Physiotherapy (on referral basis) up to S$200 (Lite Plan) and S$300 (Savvy & Xtra Plan) per person per Trip
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual Age 75 years & below
- Per Individual Age 76 to 85 years
- Per Family
Lite
(Maximum Coverage S$)
- S$50,000
- S$10,000*
- S$200,000
Savvy
(Maximum Coverage S$)
- S$100,000
- S$20,000*
- S$400,000
Xtra
(Maximum Coverage S$)
- S$150,000
- S$30,000*
- S$600,000
Medical Expenses Incurred upon return
to Singapore
Follow-up treatment within 31 days from return date (following discharge from Overseas Hospital) or treatment sought within 24 consecutive hours from time of return to Singapore (if initial treatment was not sought overseas) and up to a maximum of 31 days from date of first medical treatment in Singapore. Including treatment by Chinese Physician, Chiropractor and/or Physiotherapy (on referral basis) up to S$300 per person per Trip
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual Age 75 years & below
- Per Individual Age 76 to 85 years
- Per Family
Lite
(Maximum Coverage S$)
- N.A.
- N.A.
- N.A.
Savvy
(Maximum Coverage S$)
- S$10,000
- S$500*
- S$40,000
Xtra
(Maximum Coverage S$)
- S$15,000
- S$1,000*
- S$60,000
Overseas Hospital Visit
Pays for the cost of transportation of one relative or friend if the insured is hospitalised for more than 5 consecutive days whilst Overseas
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- N.A.
- N.A.
Savvy
(Maximum Coverage S$)
- S$1,000
- S$2,000
Xtra
(Maximum Coverage S$)
- S$2,000
- S$4,000
Additional Accommodation Expenses
Pays for the hotel accommodation incurred by one relative or friend if the insured is hospitalised for more than 5 consecutive days whilst Overseas, up to a limit of S$300 per day (Savvy Plan) or S$500 per day (Xtra Plan)
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- N.A.
- N.A.
Savvy
(Maximum Coverage S$)
- S$1,500
- S$1,500
Xtra
(Maximum Coverage S$)
- S$2,000
- S$2,000
Overseas Compassionate Visit
Pays for the cost of transportation of one relative or friend to assist in the preparation of the mortal remains
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- N.A.
- N.A.
Savvy
(Maximum Coverage S$)
- S$1,000
- S$2,000
Xtra
(Maximum Coverage S$)
- S$2,000
- S$4,000
Child Guard
Pays for the cost of returning unattended child back to the home country or country of residence
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- N.A.
- N.A.
Savvy
(Maximum Coverage S$)
- S$1,000
- S$2,000
Xtra
(Maximum Coverage S$)
- S$2,000
- S$4,000
Hospital Daily Income Benefit (Overseas)
Pays for each 24-hour period of Overseas Hospital confinement up to a limit of S$100 per day subject to a maximum of 50 days (Savvy Plan) or a maximum of 150 days (Xtra Plan)
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- N.A.
- N.A.
Savvy
(Maximum Coverage S$)
- S$5,000
- S$5,000
Xtra
(Maximum Coverage S$)
- S$15,000
- S$15,000
Hospital Daily Income Benefit (Singapore)
Pays for each 24-hour period of hospital confinement (more than 5 consecutive days) upon immediate return to Singapore up to a limit of S$50 per day subject to a maximum of 5 days (Savvy Plan) or a maximum of 10 days (Xtra Plan)
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- N.A.
- N.A.
Savvy
(Maximum Coverage S$)
- S$250
- S$250
Xtra
(Maximum Coverage S$)
- S$500
- S$500
Medical Expenses for Pregnancy-Related Sickness
Pays for medical expenses for pregnancy related Sickness
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- N.A.
- N.A.
Savvy
(Maximum Coverage S$)
- S$1,000
- S$1,000
Xtra
(Maximum Coverage S$)
- S$2,000
- S$2,000
24-hour Medical Assistance
On referral or arrangement basis
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
Liberty Helpline
Savvy
(Maximum Coverage S$)
Liberty Helpline
Xtra
(Maximum Coverage S$)
Liberty Helpline
Emergency Telephone Expenses
Pays for telephone charges as a result of a medical emergency
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- S$100
- S$100
Savvy
(Maximum Coverage S$)
- S$100
- S$100
Xtra
(Maximum Coverage S$)
- S$100
- S$100
Emergency Medical Evacuation
Covers all expenses for emergency medical evacuation coordinated by Liberty Helpline:
(65) 6636 1131
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual Age 75 years & below
- Per Individual Age 76 to 85 years
- Per Family
Lite
(Maximum Coverage S$)
- S$100,000
- S$50,000*
- S$150,000
Savvy
(Maximum Coverage S$)
- Unlimited
- S$100,000*
- Unlimited
Xtra
(Maximum Coverage S$)
- Unlimited
- S$100,000*
- Unlimited
Repatriation of Mortal Remains
Covers for the cost of transporting Insured’s mortal remains or local burial at the place of death
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual Age 75 years & below
- Per Individual Age 76 to 85 years
- Per Family
Lite
(Maximum Coverage S$)
- S$10,000
- S$5,000*
- S$10,000
Savvy
(Maximum Coverage S$)
- Unlimited
- S$10,000*
- Unlimited
Xtra
(Maximum Coverage S$)
- Unlimited
- S$10,000*
- Unlimited
Personal Liability
Insures against third party claims for bodily injury or property damage caused by insured’s negligence whilst Overseas
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- S$250,000
- S$250,000
Savvy
(Maximum Coverage S$)
- S$500,000
- S$500,000
Xtra
(Maximum Coverage S$)
- S$500,000
- S$500,000
Trip Cancellation / Postponement
Pays for the non-refundable portion of travels costs paid in advance or administrative charges incurred due to Unforeseen Circumstances.
The maximum amount We will pay under Trip Postponement is S$300 (Lite Plan) or S$1,000 (Savvy & Xtra Plan) Per Individual/Per Family
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- S$1,000
- S$3,000
Savvy
(Maximum Coverage S$)
- S$3,000
- S$6,000
Xtra
(Maximum Coverage S$)
- S$5,000
- S$10,000
Trip Curtailment
Pays for the pro-rata amount for each complete day of the planned Trip lost due to Unforeseen Circumstances
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- S$1,000
- S$3,000
Savvy
(Maximum Coverage S$)
- S$3,000
- S$6,000
Xtra
(Maximum Coverage S$)
- S$5,000
- S$10,000
Alternative Trip Arrangement
Pays the additional travel cost incurred for alternative transportation to continue the planned Trip if the scheduled transport is cancelled or delayed for more than 24 hours
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- N.A.
- N.A.
Savvy
(Maximum Coverage S$)
- S$500
- S$1,000
Xtra
(Maximum Coverage S$)
- S$500
- S$1,000
Trip Disruption
Pays for the pro-rata amount for each complete day of the planned Trip lost if the insured person is hospitalised Overseas for more than 5 consecutive days
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- N.A.
- N.A.
Savvy
(Maximum Coverage S$)
- S$2,000
- S$4,000
Xtra
(Maximum Coverage S$)
- S$3,000
- S$5,000
Travel / Flight Misconnection
Pays for the full 6 consecutive hours of scheduled transport delayed while Overseas
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- N.A.
- N.A.
Savvy
(Maximum Coverage S$)
- S$150
- S$150
Xtra
(Maximum Coverage S$)
- S$200
- S$200
Travel Delay
Pays S$100 for each full 6 consecutive hours if departure of the scheduled transport is delayed whilst Overseas
- Lite Plan
Pays maximum limit of S$100 for travel delay in Singapore if delay is in excess of 6 full consecutive hours
- Savvy and Xtra Plan
Pays maximum limit of S$150 for travel delay in Singapore if delay is in excess of 6 full consecutive hours
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- S$500
- S$500
Savvy
(Maximum Coverage S$)
- S$800
- S$800
Xtra
(Maximum Coverage S$)
- S$1,000
- S$1,000
Flight Diversion
Pays S$100 for each full 6 consecutive hours if the scheduled flight is diverted whilst Overseas
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- N.A.
- N.A.
Savvy
(Maximum Coverage S$)
- S$500
- S$500
Xtra
(Maximum Coverage S$)
- S$1,000
- S$1,000
Travel Overbooking
Covers accommodation, meal and travel expenses if the insured person is unable to board the scheduled flight due to overbooking
Lite
(Maximum Coverage S$)
__
Savvy
(Maximum Coverage S$)
__
Xtra
(Maximum Coverage S$)
S$200
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- N.A.
- N.A.
Savvy
(Maximum Coverage S$)
- S$100
- S$200
Xtra
(Maximum Coverage S$)
- S$150
- S$300
Emergency Purchases
Pays for emergency purchase of essential personal items if insured person’s baggage is stolen or permanently lost
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- N.A.
- N.A.
Savvy
(Maximum Coverage S$)
- S$250
- S$500
Xtra
(Maximum Coverage S$)
- S$250
- S$500
Baggage Delay
Pays S$100 for each full 6 consecutive hours if insured person's checked-in baggage is delayed whilst Overseas
- Lite Plan
Pays maximum limit of S$100 for baggage delay upon return to Singapore if delay is in excess of 6 full consecutive hours.
- Savvy and Xtra Plan
Pays maximum limit of S$150 for baggage delay upon return to Singapore if delay is in excess of 6 full consecutive hours.
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- S$500
- S$500
Savvy
(Maximum Coverage S$)
- S$800
- S$800
Xtra
(Maximum Coverage S$)
- S$1.000
- S$1,000
24-hour Travel Assistance
On referral or arrangement basis
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
Liberty Helpline
Savvy
(Maximum Coverage S$)
Liberty Helpline
Xtra
(Maximum Coverage S$)
Liberty Helpline
Loss of Personal Money
Covers for loss of money whilst Overseas as a result of a robbery, burglary/theft or due to
Natural Disaster
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- S$100
- S$200
Savvy
(Maximum Coverage S$)
- S$150
- S$300
Xtra
(Maximum Coverage S$)
- S$200
- S$400
Loss of Travel Documents
Pays for the cost of replacing the insured person’s travel documents including the additional travel and hotel accommodation expenses incurred
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- S$500
- S$1,000
Savvy
(Maximum Coverage S$)
- S$1,000
- S$3,000
Xtra
(Maximum Coverage S$)
- S$2,000
- S$4,000
Loss of or Damage to Baggage & Personal Effects
- Lite Plan
Covers loss, damage or stolen baggage and personal effects sustained Overseas including golfing equipment and laptop computer (maximum of S$250 for each item or set of pair of items including laptop computer)
- Savvy and Xtra Plan
Covers loss, damage or stolen baggage and personal effects sustained Overseas including golfing equipment and laptop computer (maximum of S$500 for each item or set of pair of items; maximum of S$1,000 for laptop computer)
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- S$500
- S$1,000
Savvy
(Maximum Coverage S$)
- S$1,000
- S$2,000
Xtra
(Maximum Coverage S$)
- S$2,000
- S$4,000
Rental Vehicle Excess Cover
Covers for the excess or deductible which insured person may legally liable to pay in
respect of accidental loss or damage to rental vehicle
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- N.A.
- N.A.
Savvy
(Maximum Coverage S$)
- S$500
- S$500
Xtra
(Maximum Coverage S$)
- S$1,000
- S$1,000
Closure of Travel Agent
Pays for loss of travel related expenses paid in advance as a result of financial collapse or default of the travel agent in Singapore
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- S$1,000
- S$2,000
Savvy
(Maximum Coverage S$)
- S$2,000
- S$4,000
Xtra
(Maximum Coverage S$)
- S$4,000
- S$8,000
Home Guard
Covers for loss or damage to the household contents in Singapore residence due to fire whilst residence was left vacant for full duration of trip
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- N.A.
- N.A.
Savvy
(Maximum Coverage S$)
- S$1,000
- S$1,000
Xtra
(Maximum Coverage S$)
- S$2,000
- S$2,000
Hijack Benefit
Pays an allowance if the aircraft in which the insured person is traveling is hijacked for more than 12 consecutive hours.
Limit per 12–hour period of S$50 (Savvy Plan) or S$100 (Xtra Plan).
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- N.A.
- N.A.
Savvy
(Maximum Coverage S$)
- S$500
- S$1,000
Xtra
(Maximum Coverage S$)
- S$1,000
- S$2,000
Automatic Extension
Automatically extends for 7 days if Trip is delayed due to Accident, Sickness suffered by insured person or delay by scheduled airline
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
7 days
Savvy
(Maximum Coverage S$)
7 days
Xtra
(Maximum Coverage S$)
7 days
Disruption / Withdrawal of Hotel Services
Pays S$100 for each 24-hour period in the event of disruption or withdrawal of hotel services as a result of strike or riot at the travel destination
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- N.A.
- N.A.
Savvy
(Maximum Coverage S$)
- S$200
- S$200
Xtra
(Maximum Coverage S$)
- S$200
- S$200
Kidnap Benefit
Pays S$100 for each 24-hour period in the event that the insured person is held hostage
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- N.A.
- N.A.
Savvy
(Maximum Coverage S$)
- S$500
- S$1,000
Xtra
(Maximum Coverage S$)
- S$1,000
- S$2,000
Terrorism Extension
Covers death or bodily injury, loss or damage in the event of terrorism including the use of Nuclear, Chemical and/or Biological weapons whilst Overseas
(Not Applicable to Section 13, 14 & 15)
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
Covered
Savvy
(Maximum Coverage S$)
Covered
Xtra
(Maximum Coverage S$)
Covered
Quarantine Following Infectious Diseases Including Covid-19
Pays S$50 for each complete day of quarantine whilst on a Trip Overseas or within 7 days upon returning to Singapore
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual
- Per Family
Lite
(Maximum Coverage S$)
- N.A.
- N.A.
Savvy
(Maximum Coverage S$)
- S$250
- S$500
Xtra
(Maximum Coverage S$)
- S$350
- S$700
Overseas Medical Expenses; Emergency Medical Evacuation & Repatriation of Mortal Remains (due to Covid-19)
Pays for expenses incurred Overseas for medical, hospital, emergency medical evacuation and repatriation of mortal remains if the insured is diagnosed with Covid-19
Lite
(Maximum Coverage S$)
Savvy
(Maximum Coverage S$)
Xtra
(Maximum Coverage S$)
- Per Individual Age 75 years & below
- Per Individual Age 76 to 85 years
- Per Family
Lite
(Maximum Coverage S$)
- S$30,000
- S$10,000*
- S$60,000
Savvy
(Maximum Coverage S$)
- S$50,000
- S$20,000*
- S$100,000
Xtra
(Maximum Coverage S$)
- S$75,000
- S$30,000*
- S$150,000
Looking for coverage for pre-existing conditions or more comprehensive coverage? Check out TourCare Plus
- *Reduced limit applies to insured person from age 76 to 85 years under Individual or Family plan
- The amounts listed in the benefits table are the maximum coverage payable for each benefit
- The Per Family amount is the aggregate amount. We will pay under the Family cover during any one Trip. Each Insured Person in the Family plan will still be subjected to the Per Individual amount as shown in the above benefits table
The information provided here is a summary. Please refer to the actual policy wordings for the full terms, conditions and exclusions.
Get in touch
If you have any questions regarding this product, don’t hesitate to reach out via our contact form.
Get in touch
If you have any questions regarding this product, don’t hesitate to reach out via our contact form.
Notes
The Policy is available to Singapore Citizens, Permanent Residents of Singapore or foreigners with valid Employment Pass, Work Permit, Dependent Pass or Student Pass permanently residing in Singapore. The Policy does not cover any person under the age of 6 months or over the age of 85 years
- Family
- For Single Trip Policies – Maximum 2 adults traveling with no limit on the number of Children. The 2 insured adults need not be related but the child(ren) must belong to only one of the insured adults
- For Annual Travel Policies – For an insured, legal spouse and any number of Children. The Child(ren) must be accompanied by either one of the insured adults for any trips made during the Period of Insurance
- Child insured under a Family plan refers to dependent Child under the age of 21 years who is unmarried and unemployed or up to 25 years of age who is in continuous full-time education in a recognized institution of higher learning. Their sum insured under Section 1 – Personal Accident will be reduced to S$20,000 (Lite Plan), S$30,000 (Savvy Plan) or S$50,000 (Xtra Plan) - Single Trip Policy
A Period of Insurance for a specified Trip which begins from the Commencement Date and ends on the Expiry Date and the duration of the Trip shall not exceed 120 days. No refund of premium is allowed once the Policy has been issued. - Annual Travel Policy
The maximum length of each Trip Overseas for an Annual Travel Policy is 90 days. There is no limit on the number of Trips made during the Period of Insurance. We will refund the premium based on short-term rate, subject to no claims made under the Policy. - One-way Trip Policy
Coverage ceases upon the Expiry Date stated on the Policy Schedule/Certificate of Insurance or upon Insured Person reaching his/her place of residence or business at the final destination shown on the ticket, whichever is the earlier - Area of Travel
- ASEAN - Malaysia, Brunei, Indonesia, Thailand, Laos, Cambodia, Vietnam and Philippines
- Asia Pacific - ASEAN, China, Hong Kong, Taiwan, Macau, Japan, India, Sri Lanka, Pakistan, Australia, New Zealand, Mongolia, Tibet, Bhutan, South Korea, Nepal, Maldives, East Timor and Bangladesh
- Worldwide - Worldwide including ASEAN and Asia Pacific but excludes travel to, within and/or transit through any of the following countries: Afghanistan, Belarus, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Lebanon, Myanmar, North Korea, Russia, Sudan, Syria, Venezuela, Crimea, Donbas - Donetsk, Kherson, Luhansk and Zaporizhzhia regions, Ukraine
- Trip must start and end in Singapore (Single Trip Policy and Annual Travel Policy). Cover must be purchased before departing Singapore
- The Insured Person must not be traveling against the advice of any Medical Practitioner or for the purpose of seeking medical treatment
- We do not cover:
- Pre-Existing Conditions
- known events which have already happened or have been made known by media or relevant authorities
- Trips undertaken against travel advisory issued by local/Overseas government or health authorities
- if the Insured Person is aware or ought to be aware of any circumstances which could lead to possible claim under the Policy prior to purchasing the Policy or arranging the Trip
- Extreme Sports/Activities and/or any professional sports or any sporting activities where Insured Person would or could earn or receive remuneration, donation, sponsorship, award, certificate or financial rewards of any kind
- Coverage must be effected before leaving Singapore.
- If the insured person has more than one travel insurance policy underwritten by Us for the same Trip, we will only be liable for the Policy which provides the highest benefit level.
- Annual Travel Policy is not available to those person age above 75 years old.
- Coverage is extended to persons on business Trips engaging in professional, administrative, managerial, clerical & non-manual work solely in offices or similar non-hazardous places. The Policy does not cover any person engaged in manual work
- Sum insured under Section 1 – Personal Accident is reduced to S$20,000 (Lite Plan), S$30,000 (Savvy Plan) or S$50,000 (Xtra Plan) for children age 17 years and below if the Child is insured under Individual plan
- Trip Cancelation/Postponement (Section 16) and Closure of Travel Agent (Section 31) coverage commences 30 days and 60 days respectively before the Commencement Date or on the Policy issuance date, provided that it was purchased 3 days before the departure date (date of departure inclusive), whichever is later
- If the Insured Person has more than one travel insurance Policy underwritten by Us for the same Trip, we will only be liable for the Policy which provides the highest benefit level
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).
Please refer to the table here for a comparison between TourCare Essential and TourCare Plus.