Singtel Travel Protect Insurance New Customers

Overview

This document outlines the Singtel Travel Insurance Campaign (“Campaign”) organised by Consumer Journeys Pte. Ltd. (“CJPL”), a subsidiary of Singapore Telecommunications Limited (“Singtel”), exclusively for Singtel Travel Protect Policy Holders who have not previously purchased it and successfully buy a Singtel Travel Protect insurance policy during the Campaign Validity Period. Great Eastern General Insurance Limited (“GEG”) is the Insurer, and CJPL is the corporate agent. CJPL may be remunerated by GEG for sales. Purchase signifies agreement to these terms and conditions.

Validity and Provision Details for Campaign

Campaign Validity Period: 24 July 2025 00:00 to 10 August 2025 23:59 (GMT+8).

Eligibility requires signing up for Travel Insurance. Participants receive promotions for eligible purchases, not combinable with other offers.

The Campaign is limited to the first 1000 new Customers. Participants can use the promo code once.

General Terms

CJPL and GEG may change, discontinue, or withdraw promotions and T&Cs without notice. Promotions are non-exchangeable, non-transferable, with no cash alternative. CJPL is not liable for damaged, lost, or defaced promotions. All promotions are provided "as is," with disclaimed warranties. CJPL is not responsible for the quality or aspects of third-party products/services. Neither CJPL, Singtel, nor GEG are liable for direct or indirect losses. CJPL and GEG reserve the right to investigate fraud, suspend participation, or disqualify non-compliant customers. Customers agree to provide feedback. All decisions by CJPL/GEG are final.

Data Protection and Privacy

Participation implies consent for Singtel and affiliates to collect, process, and use personal data for campaign administration, subject to Singtel's Data Protection Policy (https://www.singtel.com/data-protection) and General Terms & Conditions (https://www.singtel.com/personal/terms). Customers authorize CJPL to use their details for promotional purposes. These T&Cs are governed by Singapore law, with disputes subject to Singaporean courts.

Last revision date: 24 July 2025

Singtel Daily Travel Protect - Policy Conditions

This document details the Singtel Daily Travel Protect policy. Read it with the schedule or certificate of insurance for full understanding. Contact us or your insurance intermediary for questions or changes affecting cover. The cover is based on your proposal form information, which must be accurate. The policy outlines the contract terms, and in return for premiums, provides cover during the insurance period, provided terms are met. Keep policy documents safe. We aim for high customer care standards; contact us if expectations are unmet.

Contents Summary

The document covers Important Conditions, Definitions, Policy Coverage (including Medical Expenses, Personal Accident, Emergency Evacuation, Repatriation, Trip Cancellation, Baggage/Money Loss, Golfer's Cover, Bank Card Fraud, Phone Charges, Mobile Phone Replacement, Bill Protect, Data Rescue, Adventurous Activities, Car Breakdown Towing), Liability Limits, General and Specific Exclusions, General and Claim Conditions, and a Summary of Benefits.

Important Conditions

Policy validity requires good health, no prior knowledge of claim circumstances, trip start/end in Singapore, application before trip commencement, and adherence to age limits for children. Previous insurance refusals must be disclosed. The policy is not for commutes and must cover the entire trip duration.

Definitions

Key terms such as Accident, Appointed assistance company, Area of travel, Baggage, Illness, Injury, Major event, Manual work, Medical expenses, Medical practitioner, Natural disaster, Overseas, Policy, Pre-existing condition, Public transport, Relative, Serious illness/injury, Travel companion, and Trip are defined.

What the Policy Covers

• Section 1 - Medical expenses overseas: Up to S$100,000 for overseas medical costs.
• Section 2 - Personal accident: Up to S$100,000 for death, permanent total disability, or permanent loss.
• Section 3 - Emergency medical evacuation: Up to S$500,000 for evacuation or repatriation.
• Section 4 - Repatriation: Up to S$10,000 for transporting remains.
• Section 5 - Trip cancellation or postponement: Up to S$1,000 for cancellations due to specific events (death, illness, major event, home damage, court summons).
• Section 6 - Loss of or damage to baggage and money: Up to S$1,500 total, with sublimits for items like laptops, mobile phones, and money.
• Section 7 - Golfer's cover: Covers golf equipment loss/damage (up to S$500), green fees (up to S$250), and hole-in-one (up to S$250).
• Section 8 - Fraudulent use of a bank card: Up to S$1,000 for financial loss from lost/stolen cards.
• Section 9 - Emergency phone charges: Up to S$150 for emergency calls.
• Section 10 - Replacement mobile phone: Repair or replacement of mobile phone (up to S$100 value).
• Section 11 - Bill protect: Reimburses mobile bills up to S$100/day (max S$500) for overseas hospitalization.
• Section 12 - Data rescue: Up to S$100 for data expenses due to travel delays.
• Section 13 - Adventurous leisure activities: Covers specified activities.
• Section 14 - Car breakdown towing costs: Up to S$500 for towing in Johor/Malacca.

Overall limit of liability: S$5,000,000.

General Exclusions

Exclusions include war, contamination, strikes, riots, government actions, sanctions, mental disorders, self-harm, dental treatment (unless accident-related), pregnancy, travel against medical advice, certain sports (unless specified), motorcycling (with conditions), manual work, consequential loss, fraud, terrorism, and infectious diseases. Specific exclusions apply to various sections, covering areas like pre-existing conditions, property protection, specific items, wear and tear, and more.

General Conditions

Key conditions include awareness of circumstances before policy purchase, no premium refund upon cancellation, use of Singapore dollars, age determination for claims, disclaimer on assistance company services, policy priority for multiple Singtel policies, automatic cover termination for non-payment, fitness for travel, governing law (Singapore), interpretation of policy documents, adherence to terms, non-contribution clause (except Section 2), mandatory notification of changes, premium payment warranty, reasonable care, and consent for information usage. Cover must be taken out before leaving Singapore.

Claim Conditions

Claims are subject to arbitration for disputes. No admission of liability without permission. Fraudulent claims void cover. Medical examinations may be required. Benefits are paid to the insured or legal representatives (or assistance company for specific sections). Proof of loss must be provided promptly. The insurer has rights of recovery. Written notice of claims is required.

The policy is protected under the Policy Owners' Protection Scheme (SDIC).

Summary of Benefits

A summary table details the maximum limits for each benefit section, such as Medical Expenses Overseas (S$100,000) and Personal Accident (S$100,000).

Terms & Conditions and Important Notes

By purchasing, you consent to personal data release to Great Eastern General Insurance Limited (GE) for policy administration and contact. GE may share data with affiliates and partners for marketing. Changes to consent/data must be directed to GE. Singtel is not liable for claims arising from your application or GE's data use. Singtel Daily Travel Protect is underwritten by GE. T&Cs are available on the Singtel website and governed by Singapore law. This document is product information, not an insurance contract. Seek advice from a qualified adviser if needed. Information is accurate as of 19 August 2024.

Eligibility and Commencement of Cover

Eligibility: Insured persons must be domiciled in Singapore (Singaporean, PR, or Foreigner with valid passes like Employment Pass, Work Permit, etc.).

Commencement of Cover: Cover begins upon application acceptance by GEG and full premium payment.