Platinum Travel Insurance
Comprehensive worldwide travel insurance for you, your immediate family, your Supplementary Platinum Members and their immediate family, from the moment you book with your Platinum Card®
View FAQs for travel insurance coverage in relation to Covid-19.
IMPORTANT INFORMATION: Descriptions of the Platinum Card insurance coverages are provided on this Web site for informational purposes only. The Terms and Conditions provide complete coverage information and supersede all other sources.
Covers the costs of unused travel, accommodation, excursions and leisure activities that have been paid for or pre-booked and are non-refundable, or if you are charged a fee to change your trip, up to S$10,000, if you cancel or postpone your trip due to:
(a) you, or your Close Relative, or a person you are traveling with, or a person you are visiting for the main purpose of the trip, having an accident or being taken ill before the trip.
(b) you being subpoenaed as a witness other than in a professional or advisory capacity. Reimbursement will be for claimed expenses which have been charged to your Card.
- a) Claims less than S$150.
- b) Claims arising directly or indirectly from circumstances known to the Insured Person prior to booking his Trip.
- c) Claims arising from any condition (i) for which a Doctor was consulted or for which treatment or medication was prescribed or (ii) the manifestation or symptoms of which a reasonable person in the circumstances would be expected to be aware of, prior to the Insured Person booking his Trip or his Card Commencement Date, whichever the more recent.
- d) Additional costs incurred if the Insured Person fails to notify the providers of his travel, accommodation, excursions and leisure activities immediately if it is necessary that he cancels his Trip.
- e) Claims where the Insured Person is unable to supply a medical certificate from a Doctor confirming the medical condition which made it necessary to cancel his Trip.
Covers the costs of unused travel, accommodation, excursions and leisure activities that have been paid for or pre-booked and are non-refundable of up to S$10,000, if you cut short your trip due to you, or your Close Relative, or a person you are traveling with, or a person you are visiting for the main purpose of the trip, having an accident or being taken ill before the trip. It also provides cover for any reasonable travel expenses (on the same basis as the original booking) for you to return to your Country Of Residence. Reimbursement will be for claimed expenses which have been charged to your Card.
- a) Claims less than S$150.
- b) Claims arising directly or indirectly from circumstances known to the Insured Person prior to leaving on his Trip.
- c) Additional costs incurred if the Insured Person fails to notify the providers of his travel, accommodation, excursions and leisure activities immediately if it is necessary that he cuts short his Trip.
- d) Claims where the Insured Person is unable to supply a medical certificate from a Doctor confirming the medical condition which made it necessary to cut short his Trip.
Up to S$400 per person (S$800 per family) for additional travel, refreshment and accommodation costs prior to your actual departure if your flight is delayed, cancelled or overbooked and no alternative flight is made available within 4 hours.
- a) Additional costs where the airline has offered alternative travel arrangements and this has been refused.
- b) Private charter flights where the Insured Persons are the only passengers.
- c) Where an Insured Person voluntarily accepts compensation from the airline in exchange for not traveling
on an overbooked flight. - d) Where no costs are incurred in relation to additional travel, refreshment and/or accommodation.
- e) Failure to provide appropriate receipts in relation to additional travel, refreshment and/or accommodation.
a. an Insured Person’s money or travel documents kept on his person at all times, locked in a safe or in a locked storage area of a vehicle are lost, stolen or damaged, We will reimburse him:
i. up to S$1,250 for his loss, if he is aged 16 years and above;
ii. up to S$100 for their loss, he is aged below 16 years.
b. an Insured Person’s personal belongings other than money and travel documents (whether taken along or purchased on their Trip) are lost, stolen or damaged, We will reimburse him the replacement or repair cost of any item:
i. up to S$1,500 per item or any pair or set of items which are complementary or used together;
ii. up to S$1,500 in total for valuables including jewelry, watches, precious metals and precious stones.
- a) If an Insured Person’s personal belongings are lost, stolen or damaged during a Trip, We will provide advice and assistance Insured Person to return to his Country Of Residence. To obtain such assistance, the Insured Person must contact Us at the designated telephone number. Assistance may be provided by our appointed agent.
- b) Our total aggregate liability under this Section 7 is subject to an overall limit of S$12,500 per person per Trip.
- c) We will only reimburse an Insured Person for claimed expenses which have been charged to his Card (unless the establishment concerned refused to accept payment via the Card).
- d) We will not be liable in respect of the following:
- Claims less than S$150.
- Normal wear and tear.
- Lost, stolen or damaged personal belongings where the Insured Person has failed to take sufficient care of them or has left them unsecured or outside their reach.
- Loss or theft not reported to the police or provider of travel or accommodation services within 48 hours and a report obtained.
- Damage to personal belongings whilst in the care of a transport provider which has not been reported within 48 hours and a report obtained.
- Theft and damage of vehicles or items in a vehicle where there is no evidence of break in.
- Any documents other than travel documents.
- Any documents other than travel documents.
- Damage to fragile or brittle items.
- Household goods.
- Theft from a roof or boot luggage rack, other than theft of camping equipment.
- In respect of money, any shortages due to errors and currency fluctuations.
- Watches, jewelry, cameras, video cameras and computer equipment in checked-in baggage.
Covers your money or travel documents kept on you at all times, locked in a safe or in a locked storage area of a vehicle during your trip which are lost, stolen or damaged:
(i) up to S$1,250 if you are aged 16 years and above;
(ii) up to S$100, if you are aged below 16 years.
It also provides cover for the replacement or repair cost of your personal belongings (whether taken along or purchased on your trip) during your trip which are lost, stolen or damaged:
(i) up to S$1,500 per item or any pair or set of items which are complementary or used together;
(ii) up to S$1,500 in total for valuables including jewelry, watches, precious, metals and precious stones. The total amount reimbursable is subject to an overall limit of S$25,000 per person per trip. Reimbursement will be for claimed expenses which have been charged to your Card (unless the establishment concerned refused to accept payment via your Card).
- a)Claims less than S$150.
- b)Normal wear and tear.
- c)Lost, stolen or damaged personal belongings where the Insured Person has failed to take sufficient care of them or has left them unsecured or outside his reach.
- d)Loss or theft not reported to the police or provider of travel or accommodation services within 48 hours and a report obtained.
- e)Damage to personal belongings whilst in the care of a transport provider which has not been reported within 48 hours and a report obtained.
- f)Theft and damage of vehicles or items in a vehicle where there is no evidence of break in.
- g)Any documents other than travel documents.
- h)Damage to fragile or brittle items.
- i)Household goods.
- j)Theft from a roof or boot luggage rack, other than theft of camping equipment.
- k)In respect of money, any shortages due to errors and currency fluctuations.
- l)Watches, jewelry, cameras, video cameras and computer equipment in checked-in baggage.
Provides assistance and benefits for medical treatment, transport hospital, travel home after treatment, dental treatment, friend or relative's visit, hospital cash benefit, extended stay, convalescence, dependant child's return home, replacement colleague, reimbursement of pre-paid expenses for winter sports, reimbursement of pre-paid expenses for golf, search and rescue. Reimbursement will be for claimed expenses which have been charged to your Card (unless the establishment concerned refused to accept payment via your Card), up to a specified limit for each benefit.
a)Claims less than S$150.
b)Costs not approved in advance by the Insurer.
c)Treatment that Our medical
advisor considers can be reasonably delayed until the return of the Insured Person to his Country Of Residence.
d)Medical and dental treatment within his Country Of Residence.
e)Costs after the date Our medical advisor tells the Insured Person that he should return to his Country Of Residence.
f)Costs where the Insured Person has refused to follow the advice of the Insurer's medical advisor.
g)Treatment or costs incurred for cosmetic reasons unless the Insurer's medical advisor agrees that such treatment is necessary as a result of a medical emergency.
h)Treatment that was planned before the Insured Person’s Trip.
i)Treatment or costs for sexually transmitted diseases.
j)Costs directly or indirectly relating to HIV (Human Immunodeficiency Virus) or any HIV related illness.
k)Coffins or urns in excess of those which meet international airline standards.
l)Treatment that can be provided free or at a reduced cost by a state benefit provider or equivalent.
If an accident occurs during your trip which results in death, total disablement or permanent loss within 365 days, you or your estate will be paid:
- if the accident occurred while you are not on a Public Conveyance, S$100,000;
- if the Accident occurred while you are on a Public Conveyance:
(i) S$500,000 for the Permanent Loss of any limb or of sight in one eye.
(ii) S$1,000,000 for death or Total Disablement or the Permanent Loss of any two Limbs or of sight in two eyes, or of speech or hearing.
For your Dependant Child under 16 years of age, he
or his estate will be paid:
- If the accident occurred while he was not on a Public Conveyance, S$10,000;
- If the accident occurred while he was on a Public Conveyance:
(i) S$50,000 for the Permanent Loss of any Limb or of sight in one eye.
(ii) S$100,000 for death or Total Disablement or the Permanent Loss of any two Limbs or of sight in two eyes, or of speech or hearing.
- a)Willful or intentional acts.
- b)Not following the Insurer's medical advisor’s advice or instructions.
- c)Participating in Special Sports.
- d)Engaging in paid work other than in a purely managerial or administrative capacity.
- e)Self-inflicted injuries except
when trying to save human life. - f)Injuries caused by negligence or failure to follow the laws and regulations of the country of travel.
- g)Phobias, emotional, mental or depressive illnesses of any type.
- h)Suicide or attempted suicide.
- i)Injuries or accidents which occur while under the influence of alcohol (above the local legal driving limit) or drugs unless prescribed by a registered medical practitioner.
- j)Pre-existing Conditions.
- k)Any condition or complication which arises solely from pregnancy, childbirth, miscarriage or abortion.
- l)Traveling against the advice of a Doctor.
- m)Industrial action which has commenced or has been announced prior to booking a Trip.
- n)Trips in, or booked to, countries where a government agency has advised against traveling or which are officially under embargo by the United Nations.
- o)Any fraudulent, dishonest or criminal act committed by an Insured Person or by anyone with whom he is in collusion.
- p)Confiscation or destruction of personal belongings by any Government, customs or public authority.
- q)Terrorist activities except whilst on a Public Conveyance.
- r)War, hostilities or participation in fighting (except in self-defense).
- s)Biological, chemical, nuclear or radioactive incidents.
To view the full Terms and Conditions, click here