Travel insurance coverage is usually limited to the period of your travel. However, some insurance companies may offer various combinations of protection to cater to the specific needs of customers, including long-term annual policies if you are a frequent traveler.
 
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Personal effects
 
Check with your insurance company on the personal effects that can be covered under travel insurance as the coverage differs between insurance companies.
 
 
Beneficiary
 
You are advised to nominate a beneficiary and ensure that your beneficiary is aware of the travel insurance policy that you have purchased.
 
Medical and emergency assistance
 
It is important to check whether your insurance company provides 24-hour emergency hotline service.
 
Multiple insurance
 
If you have purchased more than one travel insurance policy, in the event of your demise and disablement, you or your beneficiary as the case may be, will be compensated for each policy. However, for certain losses such as medical expenses which are compensated on reimbursement basis, you will only be compensated once for the actual loss suffered.
 
Foreign affiliates
 
Ensure that your insurance company has a good network of foreign affiliates which can provide you with the necessary assistance when required.
 
 
 
     
 
     
  Insurance companies offer different benefits in their travel insurance policies. Some of them might even offer better benefits than stated here. This is just a general guide for you to understand the terms used.  
     
  This is just a general guide for what is usually meant when these terms are used.  
     
 
 
 
Personal accident
 
You are normally covered for death and total permanent disablement for a period within 365 days after the occurrence of the accident. The compensation will be paid according to a scale of benefits and may differ from one insurance company to another.
 
Loss of travel deposit or curtailment of journey
 
You will be reimbursed for expenses incurred due to loss of travel or accommodation expenses paid due to cancellation or curtailment of the journey.
 
Loss of passport
 
 
You will be reimbursed for additional hotel charges, travel and other expenses incurred n the country you visited, while obtaining the replacement of a lost passport. Such loss must be reported to the police within 24 hours.
 
Delayed baggage
 
If your baggage is lost or misplaced for at least 12 hours from the time of arrival at your destination, you will be reimbursed for expenses incurred to purchase essential items of clothing or personal effects.
 
Hijacking
 
The insurance company may make daily payments up to a specified maximum number of days, if your journey is interrupted for more than 12 hours due to an act of hijack.
 
 
Medical and related expenses
 
Coverage for hospitalisation, hospital or surgical expenses, outpatient medical expenses, as well as daily allowances up to a maximum number of days, should you be hospitalised for more than 24 hours.
 

Loss of baggage, personal effects
and money

 
 
This covers accidental loss or damage to your baggage, clothing, personal effects, and even money, caused by the carrier.
 
Personal liability
 
Should you cause accidental bodily injury to a third party or loss or damage to the property of a third party, the insurance company will indemnify you for the legal liability.
 
Travel delay
 
You will be paid a sum of money, according to a schedule, if your flight or voyage is delayed for more than 12 hours due to reasons beyond your control.
 
Repatriation
 
In the event of accidental death of the insured, the insurance company will reimburse the insured’s legal representative for the cost of returning the remains home.
 
 
     
 
     
  You can take a travel policy for you and/or your family members. If you purchase a family policy, coverage for each family member is apportioned from the total sum insured.

The scope of cover and scale of benefits differ between insurance companies. You should shop around and compare the policies available to ensure that you purchase a policy which best meets your requirements.
 
     
     
  While travel insurance protects you and your belongings while abroad, there are some exclusions that are not generally covered by your policy. These include:  
     
 
War risks
Suicide and insanity
AIDS
Provoked murder or assault
Childbirth or miscarriage
Hazardous sports
 
     
  In addition, there are exclusions involving events such as baggage delay and loss of baggage and personal effects due to seizure or destruction under quarantine or custom regulation.

You are advised to always read carefully and understand your policy exclusions. If you do not understand something in your policy, ask the insurance agent or your insurance company for an explanation.
 
     
 
     
  You should submit the claim form with all supporting documents such as the original policy, the medical report, police report and any relevant documents to support the claim as soon as possible to the insurance company. You should check the time frame for claim notification stipulated in the policy.  
     
What you should do in the event of damage/loss
     
 
1.Contact the medical and emergency assistance hotline
Certain travel policies cover 24-hour emergency hotline service which provides you with access to assistance such as medical advice, referrals, medical evacuations and travel related matters such as lost passport and baggage.
2.Notify the authorities
If your insured belongings are lost or damaged, you must take all reasonable measures to protect, save and recover them, and must also promptly notify the local police, hotel, transportation company or transportation terminal authorities, whichever is applicable.
3.Notify your insurance company as soon as possible
  In the event of a loss, you must notify your insurance company immediately or as soon as reasonably possible.  
 
 
 
 
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For better understanding of these benefits, please download our booklet on travel insurance, or contact an insurance company about the benefits and policies they offer.