Travel Insurance

Policyholder shall mean Australia and New Zealand Banking Group Limited Singapore Branch whose registered address is at 20 Cecil Street, Level 23, Equity Plaza, Singapore 049705.

Insured Person(s) shall mean any Personal Credit Cardmember, his/her spouse and his/her dependent children under the age of 25 years.

Dependent Child(ren) shall mean the legitimate, unemployed and unmarried child(ren) below 18 years of age (up to 25 years if studying full time in a recognised institution of higher learning).

Accident shall mean a sudden, unforeseen and fortuitous event.

Injury shall mean bodily Injury which is sustained by an Insured Person while this Policy is in force and is caused by an Accident solely, directly and independently of any other causes.

Serious Injury or Serious Sickness whenever applied to the Insured Person, is one who requires treatment by a Physician and which results in the Insured Person being certified by that Physician as being unfit to travel or continue with his/her original trip outside Singapore. When applied to the Immediate Family Member, it will mean Injury or Sickness certified as being a danger to life by a Physician and which results in the Insured Person's discontinuation of the Immediate Family Member's his/her original trip outside Singapore.

Sickness means any noticeable change in the physical health of an Insured Person due to a medical condition contracted, commencing or first manifesting whilst on a trip outside Singapore in which the Insured Person seeks the care of a Physician to treat the Sickness for which the claim is made provided the Sickness is not a Pre-Existing Condition and the nature of the Sickness is not excluded from this Policy.

Physician means a registered and qualified medical practitioner licensed under any applicable laws and acting within the scope of his/her license and training. The attending Physician must not be the Insured Person, business partner or the Insured Person's spouse, a person booked to accompany the Insured Person on the trip outside Singapore, or a person who is related to the Insured Person in any way.

Common Carrier means any bus, coach, taxi, ferry, hovercraft, hydrofoil, ship, train, tram or underground train provided and operated by a carrier duly licensed for the regular transportation of fare-paying passengers, and any fixed-wing aircraft provided and operated by an airline or an air charter company which is duly licensed for the regular transportation of fare-paying passengers and any helicopter provided and operated by an airline which is duly licensed for the regular transportation of fare-paying passengers and operating only between established commercial airports or licensed commercial heliports, and any regularly scheduled airport limousine operating on fixed routes and schedules.

Immediate Family Member refers to the Insured Person’s spouse, child, parent, parent-in-law, grandparent, grandchild, brother, sister, niece, nephew, aunt, uncle, brother-in-law or sister-in-law who are residing in Singapore.

Travel Companion refers to one (1) person who is booked to accompany an Insured Person on the entire trip outside Singapore.

Death and permanent disablement as specified under this section from bodily Injury sustained outside Singapore caused solely by an Accident, resulting within twelve (12) months of the occurrence of the bodily Injury and provided also that the full travel fare for the Insured Person has been charged to the cardholder's Personal Credit Card, whilst the Insured Person is

I. riding solely as a passenger, not a crew member, in boarding or alighting from an aircraft (including whilst being at the airport or terminal to board such an aircraft/helicopter) provided and operated by an airline or an air charter company which is duly licensed for the regular transportation of fare-paying passengers and any helicopter provided and operated by an airline which is duly licensed for the regular transportation of farepaying passengers and operating only between established commercial airports or licensed commercial heliports. 
Regularly scheduled airline flight shall include any extra flights operated by scheduled carriers on regular routes.
II. The duration of the trip outside Singapore is not exceeding 90 days from the date of departure.

The insurance coverage for the Insured Person shall operate only when he or she is taking a trip any where in the world outside Singapore during the period of insurance but not exceeding 90 days from the date of departure and only when he or she is riding solely as a fare-paying passenger in, boarding or alighting from a common air carrier provided that the entire airfare for travel has been fully charged and or invoiced in advance of the scheduled departure time to his or her Personal Credit  Card.

The Company will pay to the Insured Person up to the aggregate applicable to the Personal Credit  Card limit for the purchase of essential clothing and requisites within 96 hours of arrival at the scheduled destination for loss of personal baggage sustained overseas.

The loss must be reported to the police or relevant authority such as Airline management having jurisdiction at the place of the loss within 24 hours from the incident. Any claim must be accompanied by written documentation from such authorities.

The Insured Person must take every possible step to ensure that their baggage or personal effects are not left unattended.

2.1 Exclusions

1. The following classes of property are excluded from coverage: animals, motor vehicles (including accessories), motorcycles, boats, motors, any other conveyances, snow skis, fruits, foodstuff, household effects, antiques, artifacts, paintings, objects of art, computers (including software and accessories with the exception of Lap-Top Computers as provided herein above), manuscript, jewellery, watches, contact or corneal lenses, securities or souvenirs.  
2. Loss or damage caused by wear and tear, gradual deterioration, moths, vermin, inherent vice or damage sustained due to any process or while actually being worked upon resulting therefrom.  
3. Loss or damage to hired or leased equipment and loss of or damage to property resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, or action taken by Governmental Authorities in hindering, combating or defending against such an occurrence, seizure or destruction under quarantine or customs regulations, confiscation by order of any Government or Public Authority or risk of contraband or illegal transportation or trade. 
4. Loss or damage to property insured under any other insurance policy, or reimbursed by any other carrier, hotel or any other party.  
5. Loss to Insured Person's baggage sent in advance, mailed or shipped separately.  
6. Loss to Insured Person’s baggage left unattended in any public place or as a result of the Insured Person’s failure to take due care and precautions for the safeguard and security of such property.  7. Loss of business goods or samples or equipment of any kind.  
8. Loss of data recorded on tapes, cards, discs or otherwise.  
9. Loss of cash and bank notes, bonds, coupons, stamps, negotiable instruments, title deeds, manuscripts, securities of any kind or travel documents.  
10. Mysterious disappearance.

The insurance coverage for the Insured Person shall operate only when he or she is taking a trip any where in the world outside Singapore during the period of insurance but not exceeding 90 days from the date of departure and only when he or she is riding solely as a fare-paying passenger in, boarding or alighting from a common air carrier provided that the entire airfare for travel has been fully charged and or invoiced in advance of the scheduled departure time to his or her Personal Credit Card.

In the event that the scheduled flight in which the Insured Person had arranged to travel is delayed for at least 6 consecutive hours from the time specified in the itinerary supplied to the Insured Person due to strike/industrial action, adverse weather condition, mechanical breakdown/derangement and structural defect of public conveyance, this section will pay up to S$100 for every full 6 consecutive hours of delay and up to the benefit level under this Section.

3.1 Exclusions

The Company will not pay for any loss
1. Arising from failure of the Insured Person to check in according to the itinerary supplied to him/her, and obtain written confirmation from the carriers or their handling agents of the number of hours delayed and the reason for such delay.  
2. Arising from strike or industrial action existing on the date the Trip is arranged.

The insurance coverage for the Insured Person shall operate only when he or she is taking a trip any where in the world outside Singapore during the period of insurance but not exceeding 90 days from the date of departure and only when he or she is riding solely as a fare-paying passenger in, boarding or alighting from a common air carrier provided that the entire airfare for travel has been fully charged and/or invoiced in advance of the scheduled departure time to his or her Credit card.

The Company will pay for loss of travel and/or accommodation expenses paid in advance by the Insured Person and for which the Insured Person is legally liable and which are not recoverable from any other source consequent upon the cancellation of the trip outside Singapore occurring within 30 days before the date of commencement of such trip (the departure date), up to the S$100.00, due to the following
a. death or Serious Injury or Serious Sickness or compulsory quarantine of the Insured Person, the Insured’s Immediate Family Members or Travel Companion, business partner or co-director who is resident in Singapore or place of regular employment.  
b. Unexpected outbreak of strike, riot or civil commotion or natural disasters (typhoon, earthquake etc) arising from circumstances beyond Insured Person’s control at the planned destination.  
c. Serious damage to the Insured Person’s principal residence from fire, flood or similar natural disaster (typhoon, earthquake etc) within 7 Days before the departure date, which requires the Insured Person’s presence on the premises on the departure date or  
d. Witness summons or jury service of the Insured Person.

4.1 Exclusions

The company will not be liable for any claim arising from or in respect of or due to any of the following
1. Any loss caused directly or indirectly by a cancellation caused by the Common Carrier.  
2. Any loss that is covered by any other existing insurance scheme, government program or which will be paid or refunded by a hotel, airline, travel agent or any other provider of travel and/or accommodation.  
3. Any loss caused directly or indirectly by government regulations or control or  
4. Should this insurance be purchased less than 7 days before the departure date (with the exception of death or Serious Injury resulting from Accidents only of the Insured Person, the Insured Person's Immediate Family Member or Travel Companion).

The Company will not pay under any section of this policy for loss or liability directly or indirectly arising as a result of
1. Any act of war, act of a foreign enemy, civil war, revolution, insurrection or military power. 
2. Any illegal or unlawful intentional act by the Insured Person or confiscation, detention, destruction by customs or other authorities. Any breach of government regulation or any failure by the Insured Person to take reasonable precautions to avoid a claim under the Policy following the warning of any intended strike, riot or civil commotion through or by general mass media. 
3. Any prohibition or regulations by any government.  
4. The Insured Person not taking all reasonable efforts to safeguard his property or to avoid injury or minimize any claim under the Policy.  
5. Riding or driving in any kind of race, participating 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; and air travel (other than as a fare-paying passenger in any properly licensed private and/or commercial aircraft or other mode of conveyance or transportation.  
6. Pregnancy or childbirth, and any injury or sickness associated with pregnancy or childbirth.  
7. Suicide or attempted suicide or intentional self-inflicted injury, while sane or insane.  
8. Any Pre-existing Condition as specifically defined Policy Definitions.  
9. Sexually transmitted diseases, AIDS, HIV infections and AIDS related infections.  
10. Mental and nervous or sleep disorders, including but not limited to insanity.  
11. The Insured Person engaging in naval, military, airforce service or operations, or testing of any kind of conveyance, being employed as a manual worker, whilst engaging in offshore or mining, aerial photography or handling of explosives.  
12. Mysterious disappearance.  
13. When the Insured Person(s) is/are not fit to travel or are travelling against the medical advice of a Qualified Medical Practitioner.

1. Exposure and Disappearance

When by reason of any accident covered by this Policy the Insured Person is exposed to the elements and as the result of such exposure suffers an Event for which compensation is otherwise payable hereunder such Event will be covered under the terms of this Policy. If the body of the Insured Person has not been found within one year after the date of disappearance, sinking or wrecking of the aircraft or other conveyance either on the ground or at sea in which the Insured Person was travelling at the time of the Injury and under such circumstances as would otherwise be covered hereunder, it will be presumed that the Insured Person suffered loss of life resulting from bodily injury caused by an accident covered by this Policy at the time of such disappearance, sinking or wrecking provided that the person(s) whom such sum is paid shall sign an undertaking to refund such sum to the Company if the Insured Person is subsequently found to be living.

2. Strike, Riot and Civil Commotion

This Policy is extended to cover the Insured Person against death or Injury as a result of Strike, Riot, Civil Commotion.The Company shall not be liable for any claim arising out of or in connection with the Insured Person’s own participation or provocation of any such act or if such act could reasonably have been avoided by the Insured Person.

3. Unprovoked Hijack, Murder and Assault

This Policy is extended to cover the Insured Person against death or Injury as a result of Strike, Riot, Civil Commotion. The Company shall not be liable for any claim arising out of or in connection with the Insured Person’s own participation or provocation of any such act or if such act could reasonably have been avoided by the Insured Person. This Policy is extended to cover the Insured Person against death or Injury as a result of being a victim of hijack, murder or assault. The Company shall not be liable for any claims arising out of or in connection with Insured Person's own participation or provocation of any such act.

4. Drowning and Suffocation

This Policy is extended to cover the Insured Person against death or Injury as a result of drowning or suffocation by poisonous fumes, gas or smoke. The Company shall not be liable for any claim for such Injury arising out of or in connection with the Insured Person's own wilful or intentional act.

5. Benefit Provision

An insured person can only be covered under one such plan for a trip.

1. Entire Contract

This Policy is used in conjunction with the Schedule, Endorsements and attached papers, if any. The Policy, Schedule, Endorsements, Proposal Form, Declaration and attached papers together with other statement in writing shall be read together as one contract. Any word or expression to which a specific meaning has been ascribed in any part of the Schedule attached shall bear specific meaning wherever it may appear. In the event of a conflict, the terms, conditions or provisions of the Schedule attached shall prevail. No statement made by the applicant for insurance not included herein shall void the insurance cover or be used in any legal proceedings hereunder. No agent has the authority to change or waive any provisions of the insurance. No change of provisions shall be valid unless approved by an executive officer of the Company and such approval be endorsed hereon.

2. Age Limit

Coverage is extended to Insured Persons up to the age of 70 years for adult and 18 years for dependent child(ren) (up to 25 years if studying full time in a recognized institution of higher learning).

3. Claim Forms

The Company, upon receipt of a claim will furnish to the Insured Person such forms as are usually furnished by it for filing proof of loss. If such forms are not furnished within 15 days after giving such notice the Insured Person shall be deemed to have complied with requirements of this clause but the Insured Person is still required to comply with General Condition 6 hereof.

4. Proof of Loss

Written proof of loss including original receipts, invoices and all other relevant documents must befurnished to the Company within 60 days after date of such loss. Failure to furnish such proof within the time required shall not invalidate nor reduce any claim for which it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible and not later than180 days from the time proof is otherwise required.

5. Subrogation

In the event of any payment under this Policy, the Company shall be subrogated to all the Policyholder/Insured Person's rights of recovery against any person or organisation and the Policyholder/Insured Person shall execute and deliver instruments and papers and do whatever else is necessary to secure such rights. The Policyholder/Insured Person shall take no action after the loss to prejudice such rights.

6. Medical Examination and Treatment

The Insured Person shall at the expense of the Insured furnish to the Company all such certificates, information and evidence as may be required by the Company and the Insured shall wheneverreasonable required to do so, arrange for the Insured Person to submit to medical examination by Physicians appointed by the Company. In the event of death of the Insured Person, where it is not forbidden by law, the Company shall be entitled to have a post-mortem examination at its own expense,and notice shall, where practical, be given to the Company before internment or cremation, stating the name and place of any inquest appointed. In the event of any conflict of opinion between the Company’s doctors and the Insured’s registered medical practitioner, the opinion of the Company’s doctors shall prevail and be binding on the Insured Person.

7. Conduct of Claims

The Insured Person shall not without the consent in writing of the Company repudiate liability, negotiate or make admission, offer promise or make payment in connection with any occurrence or claim to which the Policy applies. The Company shall be entitled if it so desires to take over and conduct in the name of the Insured Person the defence of any claims or to prosecute in the name of the Insured Person at its own expense for its own benefit any claim for indemnity or damage or otherwise against any person and shall have discretion in the conduct of any proceedings and in the settlement of any claim. The Insured Person shall give all such information and assistance as the Company may require.

8. To whom Indemnities are Payable

Indemnity for loss of life of the Insured Person is payable to the estate of the Insured Person. All other indemnities are payable to the Insured Person.

9. Arbitration

Any dispute, difference or question which may arise at any time hereafter between the Company and the Insured Person or his legal personal representatives touching the true construction of the Policy or the rights or liabilities of the parties hereto shall be referred to the decision of a single arbitrator in Singapore to be agreed upon by the parties or in default of agreement for 14 days to be appointed in accordance with and subject to the provisions of the Arbitration Act, Cap. 10 of Singapore or any statutory modification or re-enactment thereof for the time being in force.

10. Legal Actions

An Award given in an arbitration pursuant of General Condition 9 herein shall be a condition precedent to any liability of the Company or any right of action against the Company.

11. Conveyance Limit

The Company's maximum liability in respect of Part I / Section 1 of this Policy shall be limited to S$10,000,000 on any one aircraft or other conveyance as defined at any one time. In the event where the total amount of compensation payable is more than S$10,000,000 the amount payable to each Insured Person shall be proportionately reduced so that the total sum payable by the Company shall remain at S$10,000,000.

12. Complaince with Policy Provisions

Failure to comply with any of the provisions contained in the Master Policy shall invalidate all claims here under.

13. Master Policy

Full details of the specific terms, conditions, exclusions, provisions and limitations applicable to this Certificate of Insurance are set out in the Master Policy No. 5010002663.