J3travel.com ::: AIG Insurance

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 coverage, you can choose your plan from the widest range of benefits and services.

Your AIG Assist Advantage

35 great travel benefits including:

Unlimited Medical & Accident Dental Expenses For Premier Plan NEW!
Takes care of your deposit in the event of a Travel Agency financial collapse NEW!
Covers medical expenses incurred overseas due to Pregnancy related sickness NEW!
War inclusion NEW!
Kidnap & Hostage NEW!
Looks after you when you are hospitalized in Singapore NEW!
Baggage and Travel Delay claim whilst you are in Singapore NEW!
Reimburse you for your mobile telephone call charges incurred overseas for medical services NEW!
Compensate you for loss of jewellery if you are robbed whilst travelling NEW!
Automatic Extension of Policy due to Hospitalization / Quarantine NEW!
Covers all ages - from babies to senior citizens.
Reimburse your approved claims from the first dollar.
Reassure you with up to S$1,000,000 protection whilst travelling on public transport overseas.
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 you children's needs with Child Education Grant.
Protect you while you enjoy leisure amateur supporting sports, such as scuba diving, water sports, winter sports, skydiving, mountaineering, rock-climbing and trekking.

One hotline for all your needs

You'll feel more secure when you know help is just a phone-call away. Whether it's a medical emergency or information about your destination, one easy number is all you need for:

24-hour Medical & Emergency Assistance
24-hour Travel Information

When overseas, call collect through the local operator and we'll take care of your phone charges.

Get yourself covered

With its comprehensive coverage, many travelers rely on AIG Assist every year to meet their travel protection needs. You too can put yourself and your family under the worldwide protection of AIG Assist and travel with peace of mind.

Details to know

Family Plan

Single Trip Coverage: For 1 or 2 adults travelling with any number of children. The 2 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 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 throughout the Policy Period must be unmarried and under 18 years of age or up to 23 years if studying full-time in a recognized institute of higher learning.

Tip Duration

Single Trip Coverage: The maximum length of each insured trip is 182 days.
Annual Coverage: The insured policyholder(s) will be covered for an unlimited number of trips made during the Policy Period. The maximum length of each insured trip is 90 days.

Commencement of Coverage

Travel cancellation (Section 16) is effective either:

    (a) 30 days before the date of departure

    (b) from the date of purchase which must be at least 7 days before the departure date for this benefit to
          respond, whichever is later.
Personal Accident Protection Scheme (Section 13) commences 3 hours before the insured person(s) leave(s) Singapore and cease(s) whenever any of the following occurs first:

    (a) when the period specified in the policy has expired

    (b) when the insured person(s) return(s) to his/her/their permanent place of residence

    (c) within 3 hours upon arrival back in Singapore

Duplicate & Refund Coverage

If the insured person is covered by more than 1 policy underwritten by the company for the same trip, the company will consider the person to be insured only under the Policy which provides the highest benefit level.
No refund of premium is allowed once the Policy has been issued.

Main Exclusive

AIDS, mental or nervous disorders, suicide or self-inflicted injuries
Childbirth
Gemstones
Flight duty ( except as a passenger) or manual work
Any pre-existing condition for which the insured person

   (a) received medical treatment, diagnosed consultation or prescribed drugs

OR

   (b) had a condition (for which medical advice or treatment was recommended by a qualified medical practitioner) which was not covered within a 12-month-period preceding the effective date of the Policy.

Premiums (S$)

ASEAN	Malaysia, Indonesia, Thailand, Philippines, Myanmar, Vietnam, Cambodia, Laos, Brunei

Length of trip (days)	Premier		Superior		Classic
Length of trip (days)	Individual	Family	Individual	Family	Individual	Family

1 - 3	44	98	29	65	22	45
4-6	55	131	36	85	27	60
7-10	74	168	49	112	33	75
11-14	99	222	65	148	45	98
15-18	120	266	78	180	58	120
19-22	134	312	89	208	68	129
23-27	150	343	99	228	78	155
28-31	162	376	108	255	89	176
Each Additional Week	32	62	18	40	13	29
Annual Plan	NA	NA	NA	NA	NA	NA

ASIA	ASEAN, China, Hong Kong, Macau, Taiwan, Korea, Australia, New Zealand, Japan, India

Length of trip (days)	Premier		Superior		Classic
Length of trip (days)	Individual	Family	Individual	Family	Individual	Family

1 - 3	60	131	40	85	29	65
4-6	72	163	48	109	35	85
7-10	99	226	66	150	46	108
11-14	121	272	81	180	57	135
15-18	142	322	95	215	68	152
19-22	162	368	108	245	79	170
23-27	181	399	121	266	88	187
28-31	196	417	130	278	99	208
Each Additional Week	40	76	25	50	19	35
Annual Plan	430	830	290	530	NA	NA

Worldwide	ASEAN, Asia & the rest of the world including Sri Lanka, Nepal, Tibet & Mongolia

Length of trip (days)	Premier		Superior		Classic
Length of trip (days)	Individual	Family	Individual	Family	Individual	Family

1 - 3	84	187	56	128	39	88
4-6	103	228	69	152	56	119
7-10	120	267	80	178	70	152
11-14	154	352	105	235	90	199
15-18	183	403	122	269	103	225
19-22	209	462	139	308	123	270
23-27	226	507	150	338	139	305
28-31	243	548	162	365	150	335
Each Additional Week	43	102	29	68	23	48
Annual Plan	600	999	390	690	NA	NA

Comprehensive Coverage

Summary of Coverage	Maximum Benefit (S$)

Overseas Medical Assist	Premier	Superior	Classic

Section 1. Medical & Accident Dental Expenses Incurred Overseas Insured person before the attainment of 70 years and below Insured person upon attainment of 70 years and above Insured child before the attainment of 18 years or 23 years if studying full time in a recognized institution of higher learning	Unlimited $100,000 $200,000	$500,000 $100,000 $200,000	$250,000 $100,000 $200,000
Section 2. Medical Expenses Incurred in Singapore Insured person before the attainment of 70 years and below Insured person upon attainment of 70 years and above Insured child before the attainment of 18 years or 23 years if studying full time in a recognized institution of higher learning	$50,000 $5,000 $10,000	$25,000 $2,500 $10,000	$12,500 $1,000 $10,000
NEW! Section 3. Medical Expenses - Women Benefit Insured overseas due to Pregnancy Related Sickness	$8,000	$5,000	$2,000
NEW! Section 4. Treatment by Traditional Chinese Medicine (TCM) Covers Traditional Chinese Medicine (TCM) treatment from a recognized (TCM) Physician	$500	$300	$100
Section 5. Overseas Hospital Income Pays $200 for every complete day the Insured person is hospitalized overseas	$50,000	$30,000	$10,000
NEW! Section 6. Hospital Income in Singapore Pays $100 for every complete day the Insured person is hospitalized in Singapore	$1,000	$1,000	$500
Section 7. Emergency Medical Evacuation Covers all American International Assistance Services (AIAS) Emergency Medical Evacuation expenses	Unlimited	Unlimited	$500,000
Section 8. Repatriation 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 Covers all AIAS expenses incurred in returning the remains of the Insured person who suffered loss of life during the trip to home country	Unlimited	$30,000	$15,000
Section 10. Hospital Visitation Pays for the incidental expenses for the visit of one relative of friend if the Insured person cannot be evacuated and requires hospitalization for more than 5 days whilst overseas.	$10,000	$5,000	$3,000
Section 11. Compassionate Visit Pays for the incidental expenses of sending one relative or friend if assistance is required to assist in repatriation arrangement of the Insured person's remains	$10,000	$5,000	$3,000
Section 12. Child Guard Pays for one relative or friend to accompany the Insured person's children home following hospitalization of the insured person	$10,000	$5,000	$3,000
NEW! Section 13. Emergency Telephone Charges Reimburses telephone charges for Medical related services in contacting American International Assistance Services (AIAS)	$250	$100	$100
NEW! Section 14. Automatic Extension of Policy Period Covers automatic extension of this policy up to 30 days without additional premium due to hospitalization or quarantined of the insured person	Yes	Yes	Yes
Personal Accident Assist	Premier	Superior	Classic
NEW! Section 15. Accidental Death & Permanent Disablement Insured person before the attainment of 70 years and below Insured person upon attainment of 70 years and above Insured child before the attainment of 18 years or 23 years if studying full time in a recognized institution of higher learning	$500,000 $200,000 $100,000	$200,000 $100,000 $100,000	$150,000 $50,000 $50,000
Section 16. Public Transport Double Cover Insured person before the attainment of 70 years and below Insured person upon attainment of 70 years and above Insured child before the attainment of 18 years or 23 years if studying full time in a recognized institution of higher learning	$1,000,000 $400,000 $200,000	$400,000 $200,000 $200,000	NA NA NA
Section 17. Child Education Grant Pays for each legally dependent child (before the attainment of 23 years and below) 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
Travel Assist	Premier	Superior	Classic
Section 18. Travel Cancellation Covers loss of irredeemable 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 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
NEW! Section 20. Loss of Travel Deposit Covers the insured for loss of travel deposit in the event of financial collapse of a Singapore registered Travel Agent	$500	$250	N/A
Section 21. Travel Curtailment including Aircraft Hijacking 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 Covers 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 Computer Covers loss or damage to baggage, clothing, personal effects, Laptop Computer (max. $500 for any one article or pair set of articles. Max. for laptop is $1,000)	$5,000	$4,000	$3,000
NEW! Section 24. Jewellery Coverage Compensates the loss of jewellery whilst overseas due to robbery	$750	$500	NA
Section 25. Baggage Delay 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 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 Pays $100 for each full 8 consecutive hours of delay whilst overseas and in Singapore	$1,000	$1,000	$1,000
Section 28. Travel Misconnection Covers expenses incurred as a result of misconnection of conveyance	$500	$200	$200
NEW! Section 29. Kidnap & Hostage 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 Abroad Covers the Insured person against	$1,000,000	$1,000,000	$500,000
Lifestyle Assist	Premier	Superior	Classic
Section 31. Golf Advantage Covers you for damage or loss of golfing equipment Covers you for entertainment expenses in achieving Hole-In-One	$750 $250	$500 NA	$500 NA
Section 32. Home Guard Pays for damage (due to fire) to household contents of the Insured person's residence which was left vacant for the full duration of the trip	$5,000	$5,000	NA
Section 33. Rental Vehicle Excess 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 Pays $50 for each full 8 consecutive hours' delay of returning flight to Singapore to cover additional cost incurred in the Insured person having placed his/her cat or dog in a kennel/cattery or pet hotel	$500	$250	NA
NEW! Section 35. Cover in the event of Terrorism Sections 1 through 34 of this policy are applicable if they occur as the result of an Act of Terrorism whilst the Insured person is overseas.	Yes	Yes	Yes

The above mentioned is not a contract of insurance. The specified details applicable to the insurance are set out in the Certificate of Insurance which is the operative document.