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Travel with ease of mind
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AIG Assist™ lets you travel the world in complete freedom, knowing you have the most comprehensive protection. Be it for a short business trip or extended family holiday, single-journey or annual converage, you can choose your plan from the widest range of benefits and services.
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Your AIG Assist Advantage
35 great travel benefits including:
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- Unlimited Medical & Accident Dental Expenses For Premier Plan.
- Takes care of your deposit in the event of a Travel Agency financial collapse.
- Covers medical expenses incurred oversea due to Pregnancy related sickness.
- War Inclusion.
- Kidnap & Hostage
- Looks after you when you are hospitalised in Singapore.
- Baggage and Travel Delay claim whilst you are in Singapore.
- Reimburse you for your mobile telephone call charges incurred overseas for medical services.
- Compensate you for loss of jewellery if you are robbed while travelling.
- Automatic Extension of Policy due to Hospitalization/Quarantine.
- Covers all ages - from babies to senior citizens.
- Reimburses your approved claims from the first dollar!
- Lifestyle Assist coverage such as Golf Advantage and Pet Care.
- Provides Protection for unlimited trips on the Annual Plan
- Includes all your eligible children, regardless of number, under the Family Plan.
- Gives you unlimited Emergency Medical Evacuation and Repatriation Cover.
- Acts of Terrorism are not excluded.
- Takes care of your rental vehicle excess up to $750.
- Provides cover for your household contents whilst you are away.
- Protects your children's needs with Child Education Grant.
- Protects you while you enjoy leisure amateur sporting sports such as scuba diving, water sports, winter sports, skydiving, mountaineering, rock-climbing and trekking.
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SUMMARY OF COVERAGES |
MAXIMUM
BENEFIT
S$ |
| OVERSEAS MEDICAL ASSIST |
Premier |
Superior |
Classic |
| Section 1 |
Medical and Accidental Dental Expense Incurred Overseas
Covers outpatient and hospitalization, medical expenses incurred overseas due to Sickness or Injury. Accidental Dental Expenses during the Trip.
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| Insured Person before the attainment of 70 years and below |
Unlimited |
$500,000 |
$250,000 |
| Insured Person upon attainment of 70 years and above |
$100,000 |
$100,000 |
$100,000 |
| Insured Child before the attainment of 18 years or 23 years if studying full time in a recognized institution of higher learning |
$200,000 |
$200,000 |
$200,000 |
| Section 2 |
Medical Expenses incurred in Singapore
Covers for medical treatment or follow-up treatment in Singapore.
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| Insured Person before the attainment of 70 years and below |
$50,000 |
$25,000 |
$12,500 |
| Insured Person upon attainment of 70 years and above |
$5,000 |
$2,500 |
$1,000 |
| Insured Child before the attainment of 18 years or 23 years if studying full time in a recognized institution of higher learning |
$10,000 |
$10,000 |
$10,000 |
| Section 3 |
Medical Expenses - Women Benefit |
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| Incurred overseas due to Pregnancy Related Sickness. |
$8,000 |
$5,000 |
$2,000 |
| Section 4 |
Treatment by Traditional Chinese Medicine |
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| Covers Traditional Chinese Medicine(TCM) treatment from a recognized (TCM) physician. |
$500 |
$300 |
$100 |
| Section 5 |
Overseas Hospital Income |
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| Pays S$200 for every complete day the Insured Person Is Hospitalized in Singapore. |
$50,000 |
$30,000 |
$10,000 |
| Section 6 |
Hospital Income in Singapore |
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| Pays $100 for every complete day the Insured Person is hospitalised in Singapore. |
$1,000 |
$1,000 |
$500 |
| Section 7 |
Emergency Medical Evacuation |
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| Covers all AIAS Emergency Medical Evacuation expenses. |
Unlimited |
Unlimited |
$500,000 |
| Section 8 |
Repatriation |
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| Covers all AIAS expenses incurred in returning the remains of the Insured Person who suffered loss of life during the trip, to Singapore. |
Unlimited |
Unlimited |
$30,000 |
| Section 9 |
Direct Repatriation |
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| Covers all AIAS expenses incurred in returning the remains of the Insured Person who suffered loss of life during the trip to the Country of Origin or Home Country. |
Unlimited |
$30,000 |
$15,000 |
| Section 10 |
Hospital Visitation |
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| Pays for the incidental expenses of one Relative or Friend if the Insured Person cannot be evacuated and requires hospitalization for more than 5 days. |
$10,000 |
$5,000 |
$3,000 |
| Section 11 |
Compassionate Visit |
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| Pays for the incidental expenses of one Relative or Friend to assist in repatriation arrangement of the Insured Person's remains if necessary. |
$10,000 |
$5,000 |
$3,000 |
| Section 12 |
Child Guard |
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| Pays for one Relative or Friend to accompany the children home following hospitalization of the Insured Person. |
$10,000 |
$5,000 |
$3,000 |
| Section 13 |
Emergency Telephone Charges |
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| Reimburse the Insured for telephone charges Incurred in Contacting American International Assistance Service (AIAS) for 24 hour medical assistance. |
$250 |
$100 |
$100 |
| Section 14 |
Automatic Extension of Policy Period |
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| Cover you for automatic extension of this policy up to 30 days without additional premium due to hospitalization and quarantine. |
YES |
YES |
YES |
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| PERSONAL ACCIDENT ASSIST |
| Section 15 |
Accidental Death & Permanent Disablement
Covers death and disablement arising from an Accident during the Trip.
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| Insured Person before the attainment of 70 years and below |
$500,000 |
$200,000 |
$150,000 |
| Insured Person upon attainment of 70 years and above |
$200,000 |
$100,000 |
$50,000 |
| Insured Child before the attainment of 18 years or 23 years if studying full time in a recognized institution of higher learning |
$100,000 |
$100,000 |
$50,000 |
| Section 16 |
Public Transport Double Cover
Accidental Death benefit is doubled in the event of the Insured Person’s death while traveling in a Public Transport including Common Air Carrier
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| Insured Person before the attainment of 70 years and below |
$1,000,000 |
$400,000 |
NA |
| Insured Person upon attainment of 70 years and above |
$400,000 |
$200,000 |
NA |
| Insured Child before the attainment of 18 years or 23 years if studying full time in a recognized institution of higher learning |
$200,000 |
$200,000 |
NA |
| Section 17 |
Child Education Grant |
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| Pays for each legally dependent child (below 23 years) studying as a full-time student in a recognized institution of learning as a result of accidental loss of life of the Insured Person |
$5,000 |
$5,000 |
NA |
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| TRAVEL & LIFESTYLE ASSIST |
| Section 18 |
Travel Cancellation |
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| Covers loss of unredeemable travel and accommodation expenses paid in advance and occurring up to 30 days prior to departure from Singapore. |
$15,000 |
$10,000 |
$5,000 |
| Section 19 |
Travel Postponement |
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| Covers additional administrative charges for travel and accommodation expenses paid in advance and occurring up to 30 days prior to departure from Singapore. |
$2,000 |
$1,000 |
$500 |
| Section 20 |
Loss of Travel Deposit |
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| Covers you for the loss of travel deposit in the event of financial collapse of a Singapore registered Travel agent. |
$500 |
$250 |
NA |
| Section 21 |
Travel Curtailment including Aircraft Hijacking |
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| Covers additional travel or accommodation expenses incurred or forfeited after the commencement of the trip. |
$15,000 |
$10,000 |
$5,000 |
| Section 22 |
Travel Interruption |
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| Cover the unused portion of the trip due to hospitalization of the Insured Person. |
$8,000 |
$5,000 |
$3,000 |
| Section 23 |
Personal Baggage including Laptop Compute |
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| Covers loss or damage to baggage, clothing, personal effects, Laptop Computers (Max. $500 for any one article or pair or set of articles. Max. for Laptop Computer is $1,000). |
$5,000 |
$5,000 |
$3,000 |
| Section 24 |
Jewellery Coverage |
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| Compensate the loss of jewellery whilst overseas due to robbery or theft |
$750 |
$500 |
NA |
| Section 25 |
Baggage Delay |
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| Pays $200 for each full 8 consecutive hours that the Insured Person's baggage is delayed whilst overseas and in Singapore. |
$1,000 |
$1,000 |
$1,000 |
| Section 26 |
Travel Documents |
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| Pays the Insured Person's travel and hotel expenses including cost of obtaining replacement passports, travel tickets and other relevant travel documents. Loss of money due to theft is also covered (max. $300). |
$5,000 |
$5,000 |
$3,000 |
| Section 27 |
Travel Delay |
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| Pays $100 for each full 8 consecutive hours of delay whilst overseas and in Singapore. |
$1,000,000 |
$1,000,000 |
$1,000,000 |
| Section 28 |
Travel Misconnection |
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| Covers expenses incurred as a result of misconnection of conveyance |
$500 |
$200 |
$200 |
| Section 29 |
Kidnap & Hostage |
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| Pays $250 for loss of Income for every 24 hours the Insured is kidnapped whilst travelling overseas |
$10,000 |
$5,000 |
$3,000 |
| Section 30 |
Personal Liability |
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| Covers the Insured Person against liability to third parties or damage to their property caused by his/her negligence. |
$1,000,000 |
$1,000,000 |
$500,000 |
| Section 31 |
Golf Advantage |
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| a) Damage or Loss of Golfing Equipment |
$750 |
$500 |
$500 |
| b) Hole-in-One |
$250 |
NA |
NA |
| Section 32 |
Home Guard |
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| Pays for damage (due to fire) to household contents per household of the residence which was left vacant for the full duration of the trip |
$5,000 |
$5,000 |
NA |
| Section 33 |
Rental Vehicle Excess |
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| Pays for the cost of the insurance excess of a car rented by the Insured Person if it is involved in an accident |
$750 |
$500 |
NA |
| Section 34 |
Pet Care |
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| Pays $50 for each full 8 consecutive hour's delay of returning flight to Singapore; to cover additional cost incurred by the Insured Person in having placed his/her cat or dog in a kennel/cattery or pet hotel |
$500 |
$250 |
NA |
| Section 35 |
Cover in the event of Terrorism |
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| Section 1 through 34 of this policy are applicable if they occur as the result of an Act of Terrorism whilst the Insured is Overseas |
YES |
YES |
YES |
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Premium
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ASEAN
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Malaysia, Indonesia, Thailand, Brunei,
Philippines, Myanmar, Vietnam,
Cambodia, Laos
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Premier
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Superior
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Classic
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Length of Trips
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Individual
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Family
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Individual
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Family
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Individual
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Family
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1 - 3 days
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44
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98
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29
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65
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22
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45
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4 - 6 days
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55
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131
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36
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85
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27
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60
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7 - 10 days
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74
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168
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49
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112
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33
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75
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11 - 14 days
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99
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222
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65
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148
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45
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98
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15 - 18 days
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120
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266
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78
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180
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58
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120
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19 - 22days
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134
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312
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89
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208
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66
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129
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23 - 27 days
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150
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343
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99
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228
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78
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155
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28 - 31 days
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162
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376
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108
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255
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89
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176
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Each additional week
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32
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62
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18
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40
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13
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29
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Annual Plan (valid for 1 yr)
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NA
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NA
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NA
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NA
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NA
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NA
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| ASIA |
Asean, China, Hong Kong, Macau,
Taiwan, Korean, Australia,
New Zealand, Japan, India
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Premier |
Superior |
Classic |
| Length of Trips |
Individual |
Family |
Individual |
Family |
Individual |
Family |
| 1 - 3 days |
60 |
131 |
40 |
85 |
29 |
65 |
| 4 - 6 days |
72 |
163 |
48 |
109 |
35 |
85 |
| 7 - 10 days |
99 |
226 |
66 |
150 |
46 |
108 |
| 11 - 14 days |
121 |
272 |
81 |
180 |
57 |
135 |
| 15 - 18 days |
142 |
322 |
95 |
215 |
68 |
152 |
| 19 - 22days |
162 |
368 |
108 |
245 |
79 |
170 |
| 23 - 27 days |
181 |
399 |
121 |
266 |
88 |
187 |
| 28 - 31 days |
196 |
417 |
130 |
278 |
99 |
208 |
| Each additional week |
40 |
76 |
25 |
50 |
19 |
35 |
| Annual Plan |
430 |
830 |
290 |
530 |
NA |
NA |
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WORLDWIDE
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Asean, Asia and the Rest of the
World including Sri Lanka, Nepal,
Tibet , Mongolia
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Premier
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Superior
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Classic
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Length of Trips
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Individual
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Family
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Individual
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Family
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Individual
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Family
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1 - 3 days
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84
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187
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56
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128
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39
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88
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4 - 6 days
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103
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228
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69
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152
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56
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119
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7 - 10 days
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120
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267
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80
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178
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70
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152
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11 - 14 days
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154
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352
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105
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235
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90
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199
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15 - 18 days
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183
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403
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122
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269
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103
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225
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19 - 22days
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209
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462
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139
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308
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123
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270
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23 - 27 days
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226
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507
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150
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338
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139
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305
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28 - 31 days
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243
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548
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162
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365
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150
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335
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Each additional week
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43
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102
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29
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68
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23
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48
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Annual Plan
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600
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999
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390
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690
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NA
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NA
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Important Matters
Family Plan
• Single Trip Coverage:
For 1 or 2 Adults travelling with any number of children. The two Adults need not be related but each child must be related to either of the insured adults. The family must travel and return together.
• Annual Coverage:
For a legally married couple and any number of their children. Each child must be accompanied by either of the insured adults under this plan for any trips made during the policy period.
Children under any Plan thoughout the Policy Period must be unmarried and under I8 years of age or up to 23 years if studying full-time in a recognised institution of higher learning.
Trip Duration
• Single Trip Coverage
Maximum length of each insured Trip is 182 days.
• Annual Coverage
The Insured Policyholder (s) will be covered for unlimited number of trips made during the policy period. The maximum length of each insured Trip is 90 days.
Commencement of Coverage
• Travel Cancellation Cover (see Section 16) is effective either:
(a) 30 days before date of departure or
(b) from the date of purchase which must be at least 7 days before the departure date for this benefit to respond, which is later.
•Personal Accident Protection(Section 13) commences three (3) hours before the Insured Person(s) leaves Singapore and ceases on whichever the following occurs first:
(a) the expiry of the period specified in the Policy
(b) the insured Person’s return to his/her permanent place of residence
(c) within three (3) hours upon arrival in Singapore
Duplicate & Refund Coverage
• If the Insured Person(s) is covered more than one travel policy underwritten by the company for the same trip, the company will consider the person to be insured only under the policy which provide the highest benefit level.
• No refund of premium will be allowed once the policy is issued.
Claims Procedures
To ensure prompt processing of your claim, it is important that you submit a completed claim form with the original or a copy of your Insurance Certificate together with all supporting documentation. You should always retain copies for your record.
Main Exclusions
• AIDS: mental or nervous disorders: suicide or self-inflicted injury;
• Pregnancy or childbirth;
• Gemstones;
• Flight duty (except as a passenger) or manual work.
• Any pre-existing conditions for which Insured Person
(i) received medical treatment, diagnosis consultation or prescribed drugs, or
(ii) a condition for which medical advice or treatment was recommended by a Qualified Medical Practitioner within a twelve (12) month period preceding the effective date of the Policy is not covered.
Complete details of policy exclusions are listed in the Policy
About American Home Assurance Company
American International Group, Inc. (AIG) is the world’s leading international insurance and financial services organization, with operations in more than 130 countries and jurisdictions. AIG member companies serve commercial, institutional and individual customers through the most extensive worldwide property-casualty and life insurance networks of any insurer. In the United States, AIG companies are the largest underwriters of commercial and industrial insurance and AIG American General is a top-ranked life insurer. AIG’s global businesses also include retirement services, financial services and asset management. AIG’s financial services businesses include aircraft leasing, financial products, trading and market making. AIG’s growing global consumer finance business is led in the United States by American General Finance. AIG also has one of the largest U.S. retirement services businesses through AIG SunAmerica and AIG VALIC, and is a leader in asset management for the individual and institutional markets, with specialized investment management capabilities in equities, fixed income, alternative investments and real estate. AIG’s common stock is listed in the U.S. on the New York Stock Exchange and ArcaEx, as well as the stock exchanges in London, Paris, Switzerland and Tokyo.
Enquiries/Application
Tel: 1800- 419-3000 Fax: (65) 6835-7406
Visit us at: http://www.aig.com.sg
Accident & Health Department
AIG Building 22 Martin Road Singapore 239058
Mon-Fri, 9:00am - 5:00pm
Visit American Home Assurance Company
All information contained herein are correct at the time of sending and are subject to changes without notice.
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