Family Package 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. 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 Family Plan throughout the Policy Period must be unemployed, unmarried and under 18 years of age or up to 23 years if studying full-time in a recognized institute of higher learning. Trip Duration Single Trip Coverage The maximum length of each insured trip is 182 days. Annual Coverage The insured policy holder(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. Child Application An individual below 18 years of age applying for an individual policy is only limited to Classic plan. Commencement of Coverage Travel Cancellation (Section 16) is effective either: (a) 30 days before the 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, whichever is later Personal Accident Protection (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, or (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. Claims Procedure Main Exclusions
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