PGI Travel Insurance 2 — Questions and Answers
Question 1: What should Singapore travellers do if they need emergency medical treatment overseas?
- Wait until returning to Singapore
- Seek treatment immediately, contact the insurance company's 24-hour emergency hotline, and keep all medical receipts and reports for the claim (Correct answer)
- Only go to Singapore embassy clinics
- Self-medicate to avoid costs
Correct answer: Seek treatment immediately, contact the insurance company's 24-hour emergency hotline, and keep all medical receipts and reports for the claim
Get treatment immediately — health comes first. Contact your insurer's 24-hour assistance hotline as soon as possible. They can arrange hospital admission, guarantee payment, and coordinate evacuation if needed.
Question 2: What is 'travel disruption' or 'travel delay' coverage in Singapore travel insurance?
- Coverage for jet lag
- Compensation for expenses incurred when your departure is delayed beyond a specified period, such as meals, accommodation, and transport (Correct answer)
- Coverage for missing your flight due to oversleeping
- Coverage for traffic jams
Correct answer: Compensation for expenses incurred when your departure is delayed beyond a specified period, such as meals, accommodation, and transport
Travel delay coverage compensates for additional expenses (meals, accommodation) when your departure is delayed beyond the trigger period (typically 6 hours) due to weather, strikes, or mechanical breakdown.
Question 3: Does Singapore travel insurance cover adventure sports and activities?
- All activities are automatically covered
- Many adventure activities (scuba diving, skiing, bungee jumping) are excluded from standard policies but can be covered with add-ons or specialised plans (Correct answer)
- Adventure sports are always excluded
- Only swimming is covered
Correct answer: Many adventure activities (scuba diving, skiing, bungee jumping) are excluded from standard policies but can be covered with add-ons or specialised plans
Standard travel insurance often excludes high-risk activities. If you plan to do adventure sports, check the policy exclusions and purchase additional coverage or a specialised adventure travel plan.
Question 4: What is 'emergency medical evacuation' coverage in travel insurance?
- A free helicopter ride
- Coverage for the cost of transporting you to the nearest adequate medical facility or back to Singapore if local treatment is insufficient (Correct answer)
- Evacuation from natural disasters only
- Coverage for ambulance rides only
Correct answer: Coverage for the cost of transporting you to the nearest adequate medical facility or back to Singapore if local treatment is insufficient
Medical evacuation coverage pays for transport (air ambulance, commercial flight with medical escort) to a suitable medical facility or back to Singapore when local medical care is inadequate for your condition.
Question 5: How should Singapore travellers file a travel insurance claim?
- Claims must be filed before the trip ends
- Notify the insurer as soon as possible, complete the claim form, and submit supporting documents (receipts, medical reports, police reports, delay certificates) within the specified timeframe (Correct answer)
- Only verbal claims are accepted
- Claims can be filed anytime within 5 years
Correct answer: Notify the insurer as soon as possible, complete the claim form, and submit supporting documents (receipts, medical reports, police reports, delay certificates) within the specified timeframe
File claims promptly after the incident. Most insurers require claims within 30 days of return. Required documents include the claim form, original receipts, medical reports, police reports (for theft), and delay certificates.
Question 6: What does 'personal liability' coverage in Singapore travel insurance protect against?
- Liability for business losses
- Legal liability if you accidentally injure someone or damage their property while travelling overseas (Correct answer)
- Liability for missed flights
- Liability for lost travel documents
Correct answer: Legal liability if you accidentally injure someone or damage their property while travelling overseas
Personal liability covers your legal responsibility if you accidentally cause injury to a third party or damage their property while overseas. It pays for compensation and legal defence costs.
PGI Travel Insurance 2
What should Singapore travellers do if they need emergency medical treatment overseas?