AirAsia Insure Travel Protection (Return-Trip Plan) Whereas the Insured Person has applied for the insurance hereinafter contained and has paid the Premium as consideration for such insurance and a copy of the AirAsia Insure Travel Protection (Return-Trip Plan) Certificate of Insurance has been issued, EQ Insurance Company Limited (hereinafter referred to as the “Company”) agrees to insure individuals who purchase return flight(s) (hereinafter referred to as the “Insured Person”) from AirAsia Berhad against loss covered by Master Policy No. DTPSHQ09-01 (hereinafter referred to as the “Policy”) as set out herein and subject always to the exclusions, provisions terms and conditions contained in the Policy. POLICY DEFINITIONS These terms, wherever used in this Policy, are defined as follows Accident / Accidental An event occurring entirely beyond control and caused by violent, external and visible means which causes Bodily Injury. AirAsia Airways The legally authorised representative of AirAsia Berhad having jurisdiction at the place of any event or loss. AirAsia Airway Air Carrier Any fixed-wing aircraft provided and operated by AirAsia Berhad duly licensed for the regular transportation of farepaying passengers and operating only between established commercial airports. Bodily Injury Injury suffered by the Insured Person anywhere in the world caused solely and directly by violent accidental external and visible means and shall exclude bodily injury caused by sickness, disease or medical disorder and/or disease, sickness or illness caused by bodily injury and/or cause gradually operating upon the Insured. Certificate of Insurance The confirmation of insurance coverage which is electronically generated upon the on-line purchase of the AirAsia Insure Travel Protection (Return-Trip Plan). Civil War Armed opposition between two or more parties belonging to the same country where the opposing parties are of different ethnic, religious or ideological groups. This definition includes armed rebellion, revolution, sedition, insurrection, coup d’état, and the consequences of martial law. Clinic An establishment licensed to provide western medical treatment and diagnosis but is not legally authorized to provide room and board for sick persons. Epidemic A sudden severe outbreak of disease that spreads rapidly and affects, within a very short period, an inordinately large number of people within a geographical region. For example, SARS. First Departure Date The date the Insured Person is booked on a departure flight on an insured Scheduled Flight. This date is concurrent with the insurance Policy commencement date. Hospital A place that, (i) operates primarily for the care and treatment of sick or injured persons; (ii) has a staff of one or more physicians available at all times; (iii) provides 24 hour nursing services and at least one registered professional nurse on duty at all times; (iv) has organised diagnostic and surgical facilities whether on premises or in facilities available to the hospital on a pre-arranged basis; (v) is not, except incidentally, a clinic, nursing home, rest home or convalescent home for the aged, or similar institution; and (vi) is registered as a hospital under the applicable law.
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Immediate Family Member Insured Person’s (i)legal spouse; (ii)legal, adoptive and/or biological children; (iii)children-in-law; (iv)siblings; (v)siblings-in-law; (vi)parents; (vii)parents-in-law; (viii)grandparents; (ix)grandchildren; (x)legal guardian; (xi)ward; (xii)step or adopted children; (xiii)step parents; (xiv) aunts; (xv)uncles; (xvi)nieces; (xvii)nephews, who resides in Insured Person’s principal country of residence. Insured Person AirAsia Guest whom an Air Ticket has been purchased and who has been issued with an AirAsia Insure Travel Protection (Return-Trip Plan) Certificate of Insurance for that scheduled flight(s). In-Patient A person who is confined in Hospital or Medical Establishment as registered in-patient on the recommendation of a physician according to Standard Medical Practice for a period suitable for treatment of the Injury. Injury Bodily injury caused solely and directly by an Accident within 90 days from the date of such Accident. Medical Establishment An establishment which can provide room, board and medical services to injured and sick persons and registered as Medical Establishment under the applicable law. Medical Necessity Medical services which meet the following conditions:(i) are in conformity with the diagnosis and treatment of the Injury suffered by the person being treated; (ii) there is a clear medical indication according to Standard Medical Practice of western medicine; (iii) are not provided simply for the convenience of the person being treated or his/her family or the service provided; and (iv) conform to standard medical treatment and is a necessity for the Injury suffered by the person being treated. Out-Patient A person who receives medical treatment in an Out-Patient or Emergency Department of a Hospital, Medical Establishment or Clinic, but there is no medical necessity according to the Standard Medical Practice for such person to be hospitalised as an In-Patient. Qualified Medical Practitioner A person qualified by degree in western medicine who is licensed under any applicable laws and acting within the scope of his/her license and training. Furthermore, the attending or consulting Qualified Medical Practitioner cannot be an Insured Person, the Insured Person’s spouse, a person booked to accompany the Insured Person on the trip, or an Immediate Family Member of the Insured Person. Medical Expenses Expense incurred overseas within 90 days of sustaining Injury which the Insured Person paid to a Qualified Medical Practitioner, Hospital and/or ambulance service for medical surgical, x-ray, Hospital or nursing treatment including the cost of medical supplies and ambulance hire and including the cost of dental treatment where such treatment is necessarily incurred to restore sound and natural teeth and is caused by an Accident. All treatment including specialist treatment must be prescribed or referred by a Qualified Medical Practitioner in order for expenses to be reimbursed under this Policy and will not exceed the usual level of charges for similar treatment, medical service or supplies in the location where the expenses were incurred had this insurance not existed. The Company will indemnify the Insured Person for follow-up treatment in Singapore within 30 days from date of return for any Injury sustained whilst overseas, provided the initial treatment is received during the overseas trip up to 10% of the Accidental Medical Reimbursement Limit. Pandemic An outbreak of infectious disease, which meets the following criteria set by World Health Organisation (WHO), that spreads through population across a large region or worldwide. (i) Emergence of a disease new to a population. (ii) Agents infect humans, causing serious illness. (iii) Agents spread easily and sustainably among humans.
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Pre-Existing Condition Any disease (and complications), symptom or disorder suffered by the Insured Person within 12-month period preceding the effective date of the Policy which would cause an ordinary prudent person to seek diagnosis, care or treatment or cause a Qualified Medical Practitioner to provide diagnosis, care or treatment. Public Places A place to which the general public has access, for example (but not limited to) airports, shops, restaurants, hotel foyers, parks, beaches, golf courses, driving ranges, public buildings and like places. Public Transport Any regularly scheduled mode of transportation provided and operated by a duly licensed carrier and meant for the local public interest to move around and which is recognized by respective countries (bus, ferry, hovercraft, hydrofoil, ship, train, tram or underground train). This excludes all modes of transportation that are chartered or arranged as part of a tour, even if the services are regularly scheduled. Common air carrier is treated as Public Transport in this policy. Standard Medical Practice An international standard practice of western medicine leading to proper treatment for patients according to medical necessity and records on the Injury, examination results, autopsy results or any other record (if any). Scheduled Flight Commercial flights scheduled by AirAsia Berhad, it being always understood that by AirAsia Berhad has at all times the requisite and valid licences or similar authorisations for scheduled air transportation and landing rights for farepaying passengers as issued by the relevant authorities in the country in which it operates, and that in accordance with such authorisation, maintain and publish schedules and tariffs for passenger service between named airports. In addition, departure times, transfers and destination points shall be established by reference to the Insured Person’s Scheduled Flight ticket. Serious Sickness Sickness certified as being life threatening and requiring immediate treatment by a Qualified Medical Practitioner and which results in the Insured Person or Immediate Family Member being certified by that Qualified Medical Practitioner as unfit to travel or to continue with his/her original Trip. Sickness A symptom, disorder, illness or disease by the Insured Person Time Any reference to a time or a date in the policy context or in the context of a coverage period refers to Singapore time. Travel Assist Provider A company providing services for Insured Person while abroad, such as medical care advice, emergency medical evacuation and repatriation service. Travel Companion A person who has travel bookings to accompany an Insured Person on the Trip Trip A journey undertaken by an Insured Person travelling on AirAsia Airways Air Carrier and is limited within the boundary of the specific country where the Insured Person disembarks from an AirAsia Airways Air Carrier.
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PERIOD OF INSURANCE Commencement of Cover Except for Trip Cancellation benefit, the cover commences upon the Insured Person’s checking in for departure of a AirAsia Airways flight in the itinerary which includes the time the Insured Person is inside any airport premises for the purpose of commencement or continuation of the same Scheduled Flight. The cover for Trip Cancellation benefit commences on the date the Travel Insurance for Commercial Airline’s Guest is purchased by the Insured Person. Expiry of Cover The cover ends upon safe disembarkation of the Insured Person at the end of the scheduled return flight provided this falls within 30 days of the First Departure Date. The insurance shall terminate automatically on the 31 days of the First Departure Date stated in the flight itinerary even if the return flight has not begun.
BENEFITS Schedule of Benefits Section 1
Personal Accident Benefit
Section 2
Travel Inconvenience Benefits
Section 3
Section 4
Sum Insured S$40,000
(a)
Trip Cancellation
Up to total original flight cost
(b)
Trip Curtailment
Up to total original flight cost
(c)
On Time Guarantee
(d)
Flight Delay
Up to S$600 (S$75 per 6 hr delay period)
(e)
Public Transport Delay
Up to S$600 (S$75 per 6 hr delay period)
(f)
Flight Misconnection
Up to S$200 (S$100 per 6 hr delay period)
(g)
Baggage and Personal Effects
(h)
Baggage Delay
S$100 (for delay more than 2 hours)
Up to S$800 (any one item S$200) Up to S$200 (S$100 per 6 hr delay period)
Emergency Medical and Evacuation Expenses (a)
Accidental Medical Reimbursement
S$10,000
(b)
Emergency Medical Evacuation & Mortal Remains Repatriation
S$40,000
24-Hours Worldwide Emergency Assistance
Included
Section 1 - Personal Accident Benefits In the event of an Accident happening during the period of insurance, if the Insured Person suffers bodily Injury which results in his death or disablement, the Company will, subject to the exclusions, limitations, provisions, terms and conditions of the Policy, pay compensation as provided in the Table of Compensation below and Schedule of Benefits:Sum Insured Per Insured Person (a) Insured Person (Between 2 years old and before attaining 76 years old)
S$40,000
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(b)
Insured Person (Infants below 2 years old and travelling together with an insured adult)
S$4,000
Table of Compensation Events
Percentage of Sum Insured
1
Accidental Death
100%
2
Permanent Total Disablement lasting at least 12 consecutive months from the date of accident or there is a clear medical indication that the Insured Person is disabled totally and permanently
100%
3
Permanent and incurable paralysis of all limbs
100%
4
Permanent Total Loss of Sight in both eyes
100%
5
Loss of or Permanent Total Loss of use of two limbs
100%
6
Permanent Total Loss of Speech and Hearing
100%
7
Permanent Total Loss of Hearing in both Ears
75%
8
Permanent Total Loss of Hearing in one Ear
15%
9
Permanent Total Loss of Sight in one eye
50%
10
Loss of or Permanent Total Loss of use of one Limb
50%
Provided that:(a)
such death or disablement occurs within Ninety (90) calendar days immediately after the date of Accident causing such death or disablement;
(b)
the maximum compensation for which the Company shall be liable during the period of insurance in respect of one Insured Person is 100% of the Sum Insured specified for Personal Accident Benefits. If the amount of compensation paid by the Company under this section is still less than the total Sum Insured, the coverage provided by the Company shall be equal to the remaining amount of the Sum Insured until the expiry of the period of insurance;
(c)
loss of limb means loss by complete and permanent physical severance of a hand at or above wrist or of a foot at or above the ankle or total functional disablement of these organs and where there is clear medical indication confirming permanent loss of use;
(d)
loss of sight means the entire and permanent irrecoverable loss of sight
(e)
loss of Hearing means permanent irrecoverable loss of hearing where:If a dB = Hearing loss at 500 Hertz If b dB = Hearing loss at 1,000 Hertz If c dB = Hearing loss at 2,000 Hertz If d dB = Hearing loss at 4,000 Hertz 1/6 of (a_2B+2C+d) are above 80 dB
(f)
Total Disablement means Injury of a permanent nature which solely and directly totally disables and prevents an Insured Person from attending to any business, occupation of any and every kind or he/she has no business or occupation, from attending to his usual duties.
(g)
Loss of Speech means the disability in articulating any 3 of the 4 sounds which contribute to the speech such as labial sounds, the alveololabial sounds, the palatal sounds and the velar sounds or total loss of vocal cord or damage of speech center in the brain resulting in aphasia.
Exclusions applicable to Section 1 This Insurance does not cover any Injury arising from or in consequence of the following:(1)
While the Insured Person is engaging or participating in a brawl.
(2)
While the Insured Person is committing a felony or being arrested or resisting an arrest.
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(3)
While the Insured is operating or serving as crew member in any aircraft.
(4)
Miscarriage.
(5)
Bacterial infection except pyrogenic infection or tetanus or rabies which occurs through an accidental cut or wound.
(6)
Any act of the Insured Person while under the influence of intoxicating liquor or drugs. “Under the influence of intoxicating liquor” shall apply to the case when a blood test shows at least 150 mg. Percent of alcohol.
(7)
While the Insured Person is engaging in any kind of race involving motorized vehicles, boat, horse-racing, competitive skiing and jet-skiing, competitive skating, professional boxing, parachuting (except for life-saving purpose), while boarding or alighting from or travelling on a balloon or glider.
(8)
While the Insured Person is boarding or alighting from or travelling in an aircraft not licensed for regular transportation of passengers and not operated by a commercial airline.
Section 2 - Travel Inconvenience Benefits This Section is not applicable to accompanying infants below 2 years old. (a)
Trip Cancellation The Company shall reimburse the Insured Person up to the maximum limit as specified for Trip Cancellation in the Schedule of Benefit for any unused and non-refundable portion of the AirAsia Airways Air Ticket fare if at the time of scheduled departure, the Insured Person’s trip is cancelled due to any of the following occurring within 30 days before the date of departure of the Trip. (i)
Death or Serious Injury or Serious Sickness or compulsory quarantine of the Insured Person, the Insured Person’s Immediate Family Member or Travel Companion;
(ii)
Witness summons or jury service of the Insured Person.
Provided that this insurance is effective only if it is purchased before the Insured Person becomes aware of any circumstances which could lead to the cancellation of his/her trip. Exclusions applicable to Section 2(a) (1) The Company shall not be liable for any loss resulting directly or indirectly (in whole or in part) from:(a) cancellation by AirAsia Airways. (b) any loss or damage covered by any other existing insurance or which will be refunded by an airline, travel agency or any travel service provider. (c) any loss or damage caused by government regulations or control, or bankruptcy, insolvency or any payment default of the travel agency or carrier and which leads to travel cancellation. (2)
The Company will not pay for any loss should this insurance be purchased less than 24 hours before the date of departure (with the exception death or Serious Injury resulting from Accidents only of the Insured Person’s, the Insured Person’s Immediate Family Member or Travel Companion).
N.B. This Policy will only pay for any claim either under Section 2(a) or Section 2(b), but not for both sections (b)
Trip Curtailment The Company shall reimburse the Insured Person up to the maximum limit as specified for Trip Curtailment in the Summary of Benefit for the additional expenses incurred by the Insured Person for airfare (economy class) and tax and fuel charges already included in the airfare, if the Insured Person has to return to Singapore from overseas due to the occurrence of any of the following events:(i)
Death or Hospitalisation of the Insured Person due to Serious Sickness or serious Injury;
(ii)
Death of Insured Person’s Immediate Family Member or Travel Companion residing in Singapore;
(iii)
Hospitalisation of Insured Person’s Immediate Family Member residing in Singapore due to Serious Sickness or serious Injury
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(iv)
Natural disasters (such as typhoon or earthquake) which prevent the Insured Person from continuing with the Trip;
(v)
Unexpected strike, riot or civil commotion beyond the Insured Person’s control;
(vi)
Quarantine of the Insured Person’s upon Medical advice
Coverage under this section is effective only if the coverage is purchased before the Insured Person becomes aware of any circumstances which could lead to such Trip Curtailment. Exclusions applicable to Section 2(a) and Section 2(b) The Company shall not be liable for Trip Curtailment expenses arising from or in consequence of the following:(1)
when the Trip Curtailment or Trip Cancellation is due to the Insured Person’s mental or nervous disorders including but not limited to insanity;
(2)
AIDS or when blood test indicates the presence of HIV and other AIDS-related diseases.
(3)
Pandemic and Epidemic
(4)
Venereal disease or any sexually transmitted disease
N.B. This Policy will only pay for any claim either under Section 2(a) or Section 2(b), but not for both sections.
(c)
On Time Guarantee In the event the scheduled AirAsia Airways Air Carrier as defined in which the Insured Person had arranged to travel is delayed for more than two (2) consecutive hours from the original scheduled Time specified in the itinerary supplied to the Insured Person, caused solely by carrier operator, the Insured Person will be paid the actual airfare and charges up to the maximum limit of S$100. Exclusions applicable to Section 2(c) This Insurance does not cover any loss arising from:(1)
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;
(2)
the failure of the Insured Person to check in according to the itinerary supplied to him/her;
(3)
strike or industrial action existing on the date the flight is arranged;
(4)
delay caused by circumstances which beyond AirAsia Berhad control such as bad weather, air traffic control, airport closure, strikes and acts of God.
N.B This Policy will only pay for any claim under any one of Section 2(c), Section 2(d), Section 2(e) or Section 2(f), but not more than one (1) of the sections. (d)
Flight Delay In the event the scheduled AirAsia Airways Air Carrier as defined in which the Insured Person had arranged to travel is delayed for at least six (6) consecutive hours from the original scheduled Time specified in the itinerary supplied to the Insured Person, and this delay is due to strike or industrial action of the airline employees, inclement weather, mechanical breakdown, derangement or structural defects of a AirAsia Airways Air Carrier, the Company will pay the Insured Person a flat fee of S$75.00 for every six (6) consecutive hours of delay up to the maximum limit of S$600.00. The period of delay shall be calculated from the original scheduled departure time of the Scheduled Flight until the commencement of the first available alternative flight offered by the airline. A letter from the airline management or its handling agents confirming the duration and reason of such delay shall suffice as proof for purposes of claim for this benefit. Page 7
Exclusions applicable to Section 2(d) The Company shall not be liable for any loss arising from:(1)
the failure of the Insured Person to check in according to the itinerary supplied to him/her
(2)
the failure of the Insured Person to obtain written confirmation from the airline management or its handling agents of the number of hours delayed and the reason for such delay
(3)
strike or industrial action existing on the date of the Trip is arranged
(4)
the late arrival of the Insured Person at an airport (except for late arrival caused by a strike or an industrial action).
(5)
AirAsia crew rotation.
N.B This Policy will only pay for any claim under any one of Section 2(c), Section 2(d), Section 2(e) or Section 2(f), but not more than one (1) of the sections.
(e)
Public Transport Delay In the event the scheduled Public Transport as defined in which the Insured Person had arranged to travel in overseas is delayed for at least six (6) consecutive hours from the original scheduled Time specified in the itinerary supplied to the Insured Person, and this delay is due to strike or industrial action, inclement weather, mechanical breakdown/derangement or structural defects of public transport, the Company will pay the Insured Person a flat fee of S$75.00 for every six (6) consecutive hours of delay up to the maximum limit of S$600.00 during the Policy period. Exclusions applicable to Section 2(e) The Company shall not be liable for any loss arising from:(1)
the failure of the Insured Person to check in according to the itinerary supplied to him/her.
(2)
the failure of the Insured Person to obtain written confirmation from the carriers or their handling agents of the number of hours delayed and the reason for such delay.
(3)
strike or industrial action existing on the date of the Trip is arranged.
N.B This Policy will only pay for any claim under any one of Section 2(c), Section 2(d), Section 2(e) or Section 2(f), but not more than one (1) of the sections. (f)
Flight Misconnection In the event the Scheduled Flight is missed at the transfer point due to the late arrival of the Insured Person’s incoming connecting Scheduled Flight and no onward Scheduled Flight is available within six (6) consecutive hours from the scheduled time of connecting departure, the Company will pay the Insured Person a flat fee of S$100.00 for every six (6) consecutive hours of delay up to the maximum limit of S$200.00, if it is due to any of the following event: (i)
Adverse weather condition
(ii)
Accident to the incoming connecting Scheduled Flight
(iii)
Mechanical breakdown/derangement and structural defect to the incoming connecting Scheduled Flight aircraft
Exclusions applicable to Section 2(f) The Company shall not be liable for any loss arising from:(1)
the failure of the Insured Person to check in according to the itinerary supplied to him/her
(2)
the failure of the Insured Person to obtain written confirmation from the airline management or its handling agents of the number of hours delayed and the reason for such delay
(3)
strike or industrial action existing on the date of the Trip is arranged Page 8
(4)
the late arrival of the Insured Person at an airport (except for late arrival caused by a strike or an industrial action).
(5)
AirAsia crew rotation.
(6)
the late arrival of the Insured Person because the onward Schedule Flight is not in the same airport as the incoming connecting Schedule Flight
N.B This Policy will only pay for any claim under any one of Section 2(c), Section 2(d), Section 2(e) or Section 2(f), but not more than one (1) of the sections. (g)
Baggage and Personal Effects The Company will indemnify the Insured Person for loss or damage to baggage or personal effects (which includes clothing and personal effects worn or carried on the Insured Person, in suitcases and like receptacles) of the Insured Person during a trip up to the maximum limit as specified for Baggage and Personal Effects in the Schedule of Benefits in consequence of the following:(i)
While the baggage or personal effects is under the care and control of the staff of the hotel or carrier company, the loss or damage must be substantiated by written documentation from the hotel or carrier management;
(ii)
If the baggage and personal effects is taken from the Insured Person by force or coercion by another person, such loss or damage must be reported to the police having jurisdiction at the place of loss within 24 hours from the incident. Any claim must be accompanied by written documentation from the police.
Provided that all items must be owned by or in the custody of or which is loaned or entrusted to the Insured Person. At sole discretion of the Company, the Company may make payment or reinstate or repair subject to due allowance for depreciation and wear and tear. Depreciation may not be applied to electronic items that are purchased less than 1 year from the date of the Accident if the Insured Person can produce supporting document (i.e. original receipts or original warranty cards) for claims. Where any item consists of articles in a pair or set, the Company shall not be liable to pay more than the proportionate value of any particular part or parts which may be lost, without reference to any special value which such article may have a part of such pair or set. The Company may at its option elect to either repair or replace any part, to restore the pair or set to its value before the loss or pay the difference between the cash value of the loss or damage of covered baggage and personal effects before and after the loss. Exclusions applicable to Section 2(g) (1) This insurance does not cover:(a) animals (b) automobiles and automobile equipment, trailers and caravans, boats and other means of transport equipment (including accessories) (c) contraband, illegal transportation or trade. (d) documents, identity papers, credit and payment cards, stored value card, cash cards, Ez link cards, transport tickets, cash, , bank notes, coins, promissory notes, bonds, coupons, stocks and securities (e) hired or leased equipment (f) eye glasses, contact lenses, hearing aids, prosthetic limbs, wheelchair, artificial teeth or dental bridge (g) household goods (i.e. property which a person will not generally take with him/her whilst on a trip including clothing not needed during a trip, cooking utensils, home appliances, furniture). (h) computers including handheld computers and personal digital assistants. (i) musical instruments, objects of art, antiques, collector’s items, jewellery such as diamond, gold, silver including golden articles, gem stones, watches, silverware and souvenirs (souvenir refers to any item which serves as a symbol or reminder of an event or place or any item sold or given as souvenir). (j) perishables and consumables (k) loss or damage of goods or samples (l) loss or damage of data recorded on tapes, software, discs or otherwise. Page 9
(m) (n)
(o) (p)
ski sets, snow skis, bicycles, sailboards, golf clubs, tennis rackets and other sporting equipment except whilst checked in as baggage when the baggage is left unattended by the Insured Person on any conveyance or public place or any loss or damage as a result of the Insured Person’s failure to take due care and precaution for the safety of such property. Loss or damage to Insured Person’s baggage and its contents, which are sent in advance, items mailed or shipped separately. Loss or damage to property which is recoverable from other source, insured under any other insurance policy or is refundable by any carrier, hotel or airline.
(2)
The Company shall not be liable for any loss or damage resulting from:(a) breakage of brittle or fragile articles, cameras, musical instruments, radios and such similar property (b) confiscation or expropriation by order of any government or public authority (c) criminal acts (d) gradual deterioration or wear and tear (e) moths, insects or vermin (f) inherent vice or damage (g) mysterious disappearance (h) transportation of contraband or illegal trade (i) seizure whether for destruction under quarantine or custom regulation or not (j) damage sustained from any process of repair, cleaning or adjustment made by the Insured Person.
(3)
The Company shall not be liable for more than S$200 any one item/article or pair or set of article.
Special Conditions applicable to Section 2(g) (1) The Insured Person must report the loss or damage to the police or responsible officer of the aircraft, vessel or conveyance on which he/she is travelling and obtain a written documentation of such loss or damage from such authority unless the Insured Person cannot do so due to circumstances beyond his/her control.
(h)
(2)
The Insured Person must take all reasonable precautions for the safety of the insured property. Any loss or damage to any insured property must be reported immediately to the police, hotel or carrier management or any authority having jurisdiction at the terminal of destination.
(3)
The Insured Person must take every possible step to ensure that their baggage and personal effects are not left unattended.
(4)
In the event of any payment under this insurance, the Company shall be subrogated to all the Insured Person’s rights of recovery against any person or organisation and the Insured Person shall execute and deliver instruments and papers and do whatever that is necessary to secure such rights.
N.B.
This Policy will only pay for claim either under Section 2(g) or Section 2(h), but not for both section.
Baggage Delay In the event the checked-in baggage accompanying the Insured Person has been delayed, misdirected or temporarily misplaced by the AirAsia Airways Air Carrier, the Company will pay the Insured Person a flat fee of S$100.00 for every six (6) consecutive hours of delay after the Insured Person’s arrival at the baggage pick-up point of the scheduled destination overseas, up to the maximum limit of S$200.00. Exclusions applicable to Section 2(h) The Company shall not be liable for any loss arising from:-
N.B.
(1)
the failure of the Insured Person to report the baggage delay to the airline management
(2)
the confiscation or detention of baggage by customs, immigration and/or public authorities
(3)
the delay of baggage on your return journey to Singapore
(4)
the failure of the Insured Person to obtain written confirmation from the airline management or its handling agents of the number of hours delayed and the reason for such delay
This Policy will only pay for claim either under Section 2(g) or Section 2(h), but not for both section.
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Section 3 - Emergency Medical and Evacuation Expenses (a)
Accidental Medical Reimbursement If the Insured Person is involved in an Accident which on a trip which require medical treatment in a hospital either as an In-Patient or Out-Patient, the Company will indemnify the Insured Person up to the maximum limit for Accident Medical Expenses Reimbursement as specified in the Schedule of Benefits which are all reasonably and necessary expenses actually incurred for such medical treatment, according to medical necessity, and Standard Medical Practice If the Insured Person is entitled to a refund of all or part of the expenses from any person or any other source, the Company will only pay the amount of Accident Medical Expenses over and above the refunded amount up to the Accident Medical Expenses Reimbursement as specified in the Schedule of Benefits. The Company will indemnify the Insured Person for follow-up treatment in Singapore within 30 days from date of return for any Injury sustained whilst overseas, provided the initial treatment is received during the overseas Trip up to 10% of the Accidental Medical Reimbursement limit.
Exclusions applicable to Section 3(a) The coverage under this insurance does not cover the following expenses:(1)
Treatment or correction of any congenital defect.
(2)
Health or rest care, convalescence, any medical examination and treatment not related to the Injury.
(3)
Miscarriage.
(4)
Non-western medical treatment including alternative treatment i.e. acupuncture, natural therapy, massage and chiropractic therapy.
(5)
Artificial limbs and aids such as walking stick, eyeglasses, hearing aid, speech device, all kind of cardiac stimulator.
(6)
Dental care unless necessitated by an injury caused by an Accident, excluding dental restoration, orthodontic, crowning, scaling, filling services or denture fitting but including the expenses for dental treatment necessitated by Accident to sound and natural teeth.
(7)
Medical service or surgery expenses relating to an Injury incurred in order to gain the benefit provided under this Policy.
(8)
Cosmetic treatment to correct any physical defects and cosmetic surgery, unless necessitated by an Injury caused by an Accident to restore such organ’s function.
(9)
Medical expenses incurred when the attending physician is the Insured Person or the Insured Person’s Immediate Family Member.
(10)
Inoculation or vaccination except for rabies after being wounded by an animal and for tetanus after an Injury.
(11)
Injury sustained while the Insured Person is engaging or participating in a brawl.
(12)
Injury sustained while the Insured Person is committing a felony or being arrested or resisting an arrest.
(13)
Injury sustained while the Insured is operating or serving as crew member in any aircraft.
(14)
Injury sustained whiles the Insured Person under the influence of intoxicating liquor or drugs. “Under the influence of intoxicating liquor” shall apply to the case when a blood test shows at least 150 mg. Percent of alcohol.
(15)
Injury sustained while the Insured Person is engaging in any kind of race involving motorized vehicles, boat, horse-racing, competitive skiing and jet-skiing, competitive skating, professional boxing, parachuting (except for life-saving purpose), while boarding or alighting from or travelling on a balloon or glider.
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(16)
Injury sustained while the Insured Person is boarding or alighting from or travelling in an aircraft not licensed for regular transportation of passengers and not operated by a commercial airline.
(b)(i) Emergency Medical Evacuation In the event of a sudden and unforeseen Injury suffered by the Insured Person during a trip in overseas and if in the opinion of the appointed Travel Assist Provider or an authorised representative of the appointed Travel Assist Provider, it is judged medically appropriate transfer the Insured Person to another location for medical treatment or to return the Insured Person to Singapore, the Company shall pay directly to the appointed Travel Assist Provider the expenses charged by appointed Travel Assist Provider or an authorised representative of the appointed Travel Assist Provider for such evacuation which may include air ambulance, surface ambulance, railroad or any other appropriate means up to S$40,000.00. All decision as to the means of transportation will be made by the appointed Travel Assist Provider or an authorised representative of the appointed Travel Assist Provider, and will be based upon medical severity of the Insured Person’s condition and/or medical necessity. Covered expenses are expenses for services provided and/or arranged by the appointed Travel Assist Provider or an authorised representative of the appointed Travel Assist Provider for the transportation, medical services and medical supplies necessarily incurred as a result of an emergency medical evacuation of an Insured Person. Exclusions applicable to Section 3(b)(i) The coverage under this section does not include Emergency Medical Evacuation expenses arising from or in consequence of the following:(1)
Any expenses incurred for services provided by another party for which the Insured Person is not liable to pay or any expenses already included in the cost of a scheduled trip.
(2)
Any expenses for a service not approved or arranged the appointed Travel Assist Provider or an authorised representative of the appointed Travel Assist Provider, unless the Insured Person or his/her travelling companion cannot for reasons beyond their control notify the appointed Travel Assist Provider or an authorised representative of the appointed Travel Assist Provider during an emergency medical situation and such extra expenses can be justified. In any event, the Company reserves the right to reimburse the Insured Person only for those expenses incurred for services which the appointed Travel Assist Provider or an authorised representative of the appointed Travel Assist Provider would have provided under the same circumstances and up to the limit specified in the Schedule of Benefits.
(b)(ii) Mortal Remains Repatriation In the event that the Insured Person dies within 30 days after having sustained a sudden and unforeseen Injury in overseas, the Company shall pay for the relevant expenses necessarily incurred i.e. cost of the casket, embalming, cremation and religious rites at the place of death, including any expenses for the return of the Insured Person’s mortal remains to Singapore arranged by the appointed Travel Assist Provider or an authorised representative of the appointed Travel Assist Provider. The Company shall pay directly to the appointed Travel Assist Provider or an authorised representative of the appointed Travel Assist Provider up to the limit specified in the Schedule of Benefits. Exclusions applicable to Section 3(b)(ii) The coverage under this section does not include repatriation expenses arising from or in consequence of the following:(1)
Any expenses incurred for services provided by another party for which the Insured Person is not liable to pay or any expenses already included in the cost of a scheduled trip for which the travel agency or the carrier company is liable.
(2)
Any repatriation expenses incurred for services not approved or arranged by the appointed Travel Assist Provider or an authorised representative of the appointed Travel Assist Provider.
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Section 4 - 24-Hours Worldwide Emergency Assistance Whilst the Insured Person is travelling overseas, the Insured Person may place a reverse-charge call to the Company’s appointed Travel Assist Provider which provides the Insured Person a 24-Hours Worldwide Emergency Medical Assistance Services.
General Exclusions Applicable to All Sections This insurance does not cover:(1)
payment which would violate a government prohibition or regulation ;
(2)
death or Injury directly or indirectly occasioned by war, invasion, act of foreign enemy, or hostilities or warlike operation (whether war be declared or not), mutiny, Civil War, rebellion, riot, strike, civil commotion, revolution, coup d’état, insurrection, conspiracy, military or usurped power, martial law or stage of siege, any of the events or causes which determine the proclamation or maintenance of martial law or state of siege, seizure, quarantine or customs regulations or nationalization by our under the order of any government or public or local authority;
(3)
delay, seizure, confiscation, destruction, requisition, retention or detention by customs or any other government or public authority or official ;
(4)
any violation or attempt of violation of laws or resistance to arrest by appropriate authority;
(5)
members of the armed forces whilst on duty or whilst engaging in or taking part in naval, military or air force service or operations or participating in operations of an offensive nature planned or conducted by any civil or military authorities against bandits, terrorists or other elements ;
(6)
the Insured Person being employed as a manual worker, whilst engaged in offshore or in mining, aerial photography or handling of explosives or ammunition, or firearms ;
(7)
any serious physical Injury or disability resulting directly or indirectly from, attributed to or accelerated by the use, release, or escape of nuclear of nuclear materials that directly or indirectly results in nuclear reaction or radiation or radioactive contamination; or the dispersal or application of pathogenic or poisonous biological or chemical materials; or the release of pathogenic or poisonous biological or chemical materials. For purposes of this exclusion, serious physical Injury means physical injury that involves a substantial risk of death and/or protracted and obvious physical disfiguration, and/or protracted loss of or impairment of the function of a bodily member or an organ ;
(8)
suicide, attempted suicide or any intentional self-inflicted injuries acted upon by the Insured Person to him/herself whether sane or insane ;
(9)
any Pre-Existing Medical Conditions ;
(10)
mysterious disappearance ;
(11)
while the Insured Person is driving or riding as a passenger on a motorcycle, riding or driving in any race, participating in any professional sports or in any sports in which the Insured Person would or could earn or receive remuneration, donation, sponsorship, award or certificate of any kind ;
(12)
treatment of alcoholism or drug abuse or any other complications arising therefrom or any drug related accident ;
(13)
psychosis, mental or nervous disorders or sleep disturbance disorders ;
(14)
Acquired Immune Deficiency Syndrome (AIDs) or any complications associated with infection by any Immune Deficiency Virus (HIV) (for the purpose of this Policy, the definition of AIDs shall be that used by the World Health Organisation in 1987, or subsequent revision by the World Health Organisation of that definition; infection shall be deemed to have occurred where blood or other relevant test(s) indicate in the opinion of the Company either the presence of any Human Immune Deficiency Virus or Antibodies to such Virus) ;
(15)
any Injury sustained while serving as a crew member of any aircraft except as a fare-paying passenger in any aircraft having a current and valid air worthiness certification issued by the appropriate authority of the country of its registry ;
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(16)
when the Insured Person is not fit to travel or is travelling against the advice of a Qualified Medical Practitioner ;
(17)
any loss , Injury ,damage or legal liability arising directly or indirectly from travel in, to or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan or Syria;
(18)
any loss, Injury, damage or legal liability suffered or sustained directly or indirectly by an Insured Person if that Insured Person is :(a) a terrorist ; (b) a member of a terrorist organisation ; or (c) a purveyor of nuclear, chemical or biological weapons ; (d) a narcotics trafficker ;
(19)
Any loss resulting directly and indirectly (in whole or in part) from: (a) Pandemic; (b) epidemic
GENERAL CONDITIONS Entire Contract This Certificate of Insurance contains terms and conditions for the insurance coverage and benefits provided herein which shall always be subject to the terms and conditions of the Master policy bearing number DTPSHQ09-01. Observance of Insurance Terms and Conditions The due observation and fulfillment of terms and conditions of this insurance in so far as they relate to anything to be done or complied with by the Insured Person shall be binding upon the Insured Person as if he/she is the Insured and shall be conditions precedent to any liability of the Company to make any payment under this Policy. Misrepresentation in Application The benefits shall not be payable and the Policy, at the option of the Company, shall be considered voidable in the event:(1) there is a failure to disclose or misrepresentation of any fact with respect to the Insured Person that is material to the insurance provided hereunder which is required to be furnished as evidence of insurability ; and/or (2)
in all cases of fraud.
Alterations The Company reserves the right to amend the terms and provisions of the Policy and may at any time be amended and changed by written agreement between the Company and AirAsia Berhad. Any amendment to the Policy shall be binding on all persons whether insured under the Policy prior to, during, or after the effective date of the amendment. No alteration in the Policy shall be valid unless approved by an authorised representative of the Company and such approval is endorsed hereon. Fitness for Travel At the time of incepting this insurance, the Insured Person must be medically fit to travel and not be aware of any circumstances which could lead to cancellation or disruption of the Trip, otherwise any claim is not payable. Duplication of Insurance Cover In the event that an Insured Person is covered under more than one travel insurance policy, underwritten by the Company for the same Trip, the Company will consider the person to be insured only under the policy provides the highest benefit level. Currency of Payment Payment of any claim covered under this Policy shall be made in Singapore Dollars (S$) or its equivalent in any other currency at the prevailing rate of exchange as declared by Central Bank at the time of effecting payment if so required by the Insured Person or his/her permitted legal personal representatives.
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Compensation Limit The compensation limit is that expressed in the Table of Compensation and Schedule of Benefits. Ages All ages referred to in this Policy shall be the age of the Insured Person at his/her last birthday. In any claim, the age of the Insured Person will be determined as at the date of Injury or Sickness with reference to the birth date. Notice and Procedures of Claims Upon the happening of any event which may give rise to a claim, the Insured Person, the beneficiary or their representative, as the case may be, shall:(1) notify the Company in writing of any loss or damage as soon as practicable and in any case within 30 days of the occurrence of any event which may give rise to a claim under the policy. In the event of death, immediate notice shall be given to the Company, unless it can be shown that it is not reasonably possible to give such notice and that notice was given as soon as reasonably possible. (2)
furnish to the Company, at the Insured Person’s or the beneficiary’s or their representative’s own costs and expenses., the following documents:-
Claim for Accidental Death (a) Claim form as prescribed by the Company (b) Death Certificate (c) Copy of Autopsy Report (d) Copy of Police Report (e) Copy of the Insured Person’s Identity Card with “Dead” stamp (f) Copy of the beneficiary’s Identity card Claim for Accidental Disability (a) Claim form as prescribed by the Company (b) Qualified Medical Practitioner’s Report confirming total permanent disability (c) Copy of the Insured Person’s Identity Card or Passport. Claim for Trip Cancellation (a) Claim form as prescribed by the Company (b) Letter from the airline stating the amount charged by the airline (c) Medical certificate, if the trip has to be cancelled due to serious Injury or Serious Sickness of the Insured Person or Insured Person’s Immediate Family Member. (d) Copy of Death Certificate, if the trip has to be cancelled due to death of the Insured Person or Insured Person’s Immediate Family Member. Claim for Flight Delay and On Time Guarantee (a) Claim form as prescribed by the Company (b) Copy of the air ticket and boarding passes (c) Written notice from the airline responsible for such flight (d) Written notice from the airline confirming that the delay has actually occurred. Claim for Baggage or Personal Effects (a) Claim form as prescribed by the Company (b) Written document from the carrier management (c) Description and prices of the lost or damaged items (d) Police Report, if the loss or damage occurs under threat or use of violence Proof of Loss Written proof of loss must be furnished to the Company at its said office within Ninety (90) days from the date of loss. Failure to furnish such proof within the time required shall not invalidate or reduce any claim if it was not reasonable possible to give proof within such time provided such proof is furnished as soon as possible and in no event, except in the absence of legal capacity, later than one (1) year from the time proof is otherwise required. Effect of Fraud Any fraud, misstatement or concealment in respect of this insurance or any claim hereunder shall render the insurance coverage and benefits provided herein null and void.
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Medical Examination The Insured Person shall at his/her expense furnish to the Company all such certificates, information and evidence as may be required by the Company and the Insured Person shall whenever reasonably required to do so, arrange to submit to medical examination by Qualified Medical Practitioners appointed by the Company. In the event of death of the Insured Person, provided it is not forbidden by law, the Company shall be entitled to have a postmortem examination at its own expense, and notice shall, where practicable, 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 Person’s Qualified Medical Practitioner, the opinion of the Company’s doctor shall prevail and be binding on the Insured Person or his/her estate as the case may be. To Whom Indemnity is Payable Indemnity for the Insured Person’s loss of life is payable to his estate. All other indemnities of this Policy are payable to the Insured Person except under Section 3(a) Accidental Medical Reimbursement and Section 3(b) Emergency Medical Evacuation & Mortal Remains Repatriation. Under Section 3(a) Accidental Medical Reimbursement, in the event funds for emergency medical treatment are guaranteed to the provider of healthcare by the appointed Travel Assist Provider or their authorised representative, indemnities will be payable directly to the provider of healthcare. Indemnity for expenses under Section 3(a) Accidental Medical Reimbursement which the Insured Person incurs directly will be payable to him. Under Section 3(b) - Emergency Medical Evacuation & Mortal Remains Repatriation, the benefits will be paid directly to the provider of service as indicated in the Section. Interests No indemnity from the Company shall carry any interest. Receipts The Company shall not be abided by any notice or any trust charge, a lien, assignment or other dealing with the Certificate of Insurance. The receipt by the Insured Person for any compensation payable herein shall in all cases be effectual discharge of liability of the Company. Rule of Refund The Company will not allow any refund of premium once the Policy is issued. Cancellation The Company may cancel this Policy at any time by written notice delivered to the Insured Person or mailed to his last address shown by the records of the Company stating when thereafter such cancellation shall be effective. In the event of such cancellation, the Company will return promptly the pro rata unearned portion of any premium paid by the Insured Person. Such cancellation shall be without prejudice to any claim originating prior thereto. Right of Recovery In the event authorisation of payment and/or payment is made by the Company by which Policy liability is not engaged, the Company reserves the right to recover from the Insured Person or his legal representative for the full sum paid. Contracts (Right of Third Parties) A person who is not a party to this Policy shall have no right under the Contracts (Rights of Third Parties) Act to enforce any of its terms. Arbitration Clause (1) Any dispute, difference or question in which may arise at any time hereafter between the Company and the Insured Person or his legal personal representatives in relation to the true construction of the Policy or the rights of liabilities of the parties hereto shall be referred to arbitration in Singapore and Singapore law shall apply thereto. (2) The arbitration shall be heard by a single arbitrator to be agreed by the parties hereto within 14 days of the commencement of the arbitration. In default of agreement, the arbitrator shall be appointed in accordance with and subject to the provisions of Arbitration Act (Cap 10) or any statutory modification or re-enactment thereof for the time being in force. Arbitration proceedings shall be conducted in accordance with the Rules of the Singapore International Arbitration Centre.
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Governing Law This Policy shall be governed by and interpreted in accordance with Singapore law. The Singapore Courts shall have non-exclusive jurisdiction. Condition Precedent The Company shall not be liable under this Policy unless the Insured Person or his/her representative, as the case may be, has complied with all the terms and condition of this Policy.
April 2012
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