You are eligible for this policy if you meet the following criteria:

a) You are ordinarily Singapore resident; and
b) You will purchase your policy in Singapore before you start your trip;
c) You intend to return to Singapore after your trip; and
d) the departure date on your policy reflects the date you are originally scheduled to begin your travel, as shown on your travel itinerary.

The policy is issued in Singapore and is subject to the Insurance Act (Cap 142) (the “Act”) and all rules, regulations, subsidiary legislation and government orders enacted thereunder. The Act provides that you are treated as being ordinarily resident in Singapore if:

a)     You are a citizen of Singapore, unless you have resided outside Singapore continuously for 5 or more years preceding the application date of the policy and are not currently residing in Singapore;
b)     You are a permanent resident, unless you have resided in Singapore for less than a total of 183 days in the 12 months preceding the application date of the policy;
c)     You have a work pass or permit required under the Employment of Foreign Manpower Act (Cap. 91A), unless you have resided in Singapore for less than a total of 183 days in the 12 months preceding the application date of the policy; or
d)     You have a pass or permit required under the Immigration Act (Cap. 133) that has duration longer than 90 days and you have resided in Singapore continuously for at least 90 days in the 12 months preceding the application date of the policy.

If you do not satisfy any one of the aforesaid definitions of being “ordinarily resident in Singapore”, you must notify us immediately.

The insurance will be invalid if we have previously informed you that we do not want to insure you (anymore). In this case, we will refund any premium paid by you.

If requested by us, you will need to prove your eligibility by providing us with documentation including but not limited to:
i)      a copy of your passport; or
ii)     Singapore residency documents; or
iii)    a copy of your current visa; or
iv)    other official documents confirming your right to reside in Singapore; and
v)     a copy of your travel itinerary.

1. Can I buy Allianz Travel Protect policy if I am not a resident of Singapore?
No, we will only insure individuals who legally reside in Singapore, who are Singapore Citizens, Permanent Residents as well as holder of employment passes, work permits, students’ passes or dependent’s passes.

2. What is an Individual Plan?
Individual plan covers for you and the people travelling with you as per your Certificate of Insurance period.

3. How Benefits are applied for Individual Plans
Maximum Benefits stated, including sub-limits are per insured named on the Certificate of Insurance.

4. What is a family plan?
Family means one (1) or two (2) adults travelling with at least one accompanied child. The two adults need not be related, but the child(ren) must be the legal child or ward in the case of a legal guardian, grandchild, siblings, nephew, niece or cousin of either one of the adults. You must depart from and return to Singapore together at the same time as a family.

5. How Benefits are applied for Family Plans?
Maximum Benefits stated, including sub-limits, are per insured adult named on the Certificate of Insurance. Dependent children share the benefits within the insured adults’ limits unless expressly stated otherwise.

For example, the maximum total limit per insured adult for baggage is $5,000. If two insured adults are travelling with two dependent children, the maximum amount claimable for baggage will be $10,000.

6. What happens after the application has been completed?
After the premium has been paid by credit card, a confirmation email comprised of the Certificate of Insurance and Policy Wordings will be sent to you within 4 hours of your purchase. The Certificate of Insurance contains your policy number that you must quote for Allianz to render assistance promptly.

7. When does the cover period commence and end for each trip?
Your policy’s coverage effective date and coverage end date are shown on your Certificate of Insurance. Your policy is effective at 00:00 (SGT) on the day after you pay the full premium. Cover is only provided for events that occur while your policy is in effect. 

8. Are there exclusions in the policy?
Yes. Kindly refer to the General Exclusion stated in the Policy Wording. Some exclusions and conditions are specific to individual sections and general exclusions and conditions apply to the policy overall. There is also a health declaration with health exclusions that apply to the emergency medical expenses, cancellation, curtailment and personal accident sections of cover.

Please read the Policy Wording carefully to ensure you have the cover you need.