PGI Travel Insurance 2

Question 1

What should Singapore travellers do if they need emergency medical treatment overseas?

Accepted Answer

Seek treatment immediately, contact the insurance company's 24-hour emergency hotline, and keep all medical receipts and reports for the claim

Answer

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?

Accepted Answer

Compensation for expenses incurred when your departure is delayed beyond a specified period, such as meals, accommodation, and transport

Answer

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?

Accepted Answer

Many adventure activities (scuba diving, skiing, bungee jumping) are excluded from standard policies but can be covered with add-ons or specialised plans

Answer

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?

Accepted Answer

Coverage for the cost of transporting you to the nearest adequate medical facility or back to Singapore if local treatment is insufficient

Answer

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?

Accepted 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

Answer

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.

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PGI Travel Insurance 2