ALLIANZ TRAVEL INSURANCE MASTER POLICY STANDARD

ALLIANZ TRAVEL INSURANCE

MASTER POLICY

STANDARD CHARTERED BANK (SINGAPORE) LIMITED

JOURNEY VISA SIGNATURE CARDHOLDERS

POLICY WORDING

Allianz Insurance Singapore Pte.

Ltd.

This Travel Insurance is

underwritten by Allianz Singapore

Insurance Pte. Ltd., with services

provided by AWP Services

Singapore Pte. Ltd trading as Allianz

Travel.

79 Robinson Road, #09-01

Singapore 068897

Telephone: +65 6222 3350

www.allianz.sg

Allianz Insurance Singapore Pte. Ltd.

20230901 PW SG SCB NAC

This Travel Insurance is underwritten by Allianz Insurance Singapore Pte. Ltd., with services provided by AWP Services Singapore Pte. Ltd. trading as Allianz Travel.

POLICY WORDING

FINITION OF WORDS

This policy wording serves to disclose the terms & conditions of the

travel insurance policy underwritten by Allianz Insurance Singapore

Pte. Ltd. (AIS) with assistance services provided by AWP Services

Singapore Pte Ltd.

To understand this policy’s significant features, benefits and risks, We

advise that You read the following:

• Benefits Table outlines the maximum amounts payable and

applicable sub limits for each policy benefit

• Important Matters contains important information on Your

Eligibility for cover, Use of your personal Data, Information about

Your Insurer, Jurisdiction, and matters relating to Hospitalization

or medical evacuation

• Policy Definitions defines words with special meanings

• Policy Benefits sets out what “We will pay” as well as what “We

will not pay”

• General Exclusions that are applicable to all Sections

• Claims sets out certain obligations that You and We have, which

may determine the outcome of Your claims settlement

For customer service, please:

Call: 1 800 222 1818 (Toll-free) or +65 6222 3350

Mon – Fri, 09:00 – 17:30 (Singapore Time)

E-mail: [email protected]

For claim enquiries, please:

Call: 1 800 222 1818 (Toll-free) or +65 6222 3350

E-mail: [email protected]

To file a claim, please visit:

https://www.allianz-assistance.com.sg/claims.html

For emergency assistance during your trip, please:

Call: +65 6995 1111

This Travel Insurance is underwritten by Allianz Insurance Singapore Pte. Ltd., with services provided by AWP Services Singapore Pte. Ltd. trading as Allianz Travel.

TABLE OF BENEFITS

MAXIMUM AMOUNT PAYABLE PER PERSON

Travel Comprehensive

All sum in Singapore $

SECTION 1 – PERSONAL ACCIDENT COVER

1.1

Accidental Death and Permanent Disablement

500,000

SECTION 2 - TRAVEL ASSISTANCE SERVICES *

2.1

Emergency Medical Assistance, Evacuation and Repatriation

25,000

* Conveyance limit SGD 10M per event.

This Travel Insurance is underwritten by Allianz Insurance Singapore Pte. Ltd., with services provided by AWP Services Singapore Pte. Ltd. trading as Allianz Travel.

IMPORTANT MATTERS

ABOUT THIS POLICY WORDING

By virtue of You holding a SCB eligible credit card, the provision of

these benefits is enabled by the master insurance policy held by

Standard Chartered Bank (Singapore) Limited (hereinafter called

SCB) and issued by Allianz Insurance Singapore Pte. Ltd. (AIS)

AWP Services Singapore Pte Ltd (AWP) has been appointed by AIS to

arrange the policy and provide general advice and other services in

relation to this Policy.

SCB is the only Policyholder under the insurance policy and only they

have direct rights under the Policy against the Insurer. This

agreement does not give You direct rights under the policy of

insurance. Strict compliance with the terms and conditions of this

agreement is required if You are to receive its benefit.

This policy wording and any endorsements written by Us make up

Your contract with the Insurer. Please retain these documents in a

safe place. Under this policy wording, the maximum amount We will

pay for the total of all claims under each policy benefit is detailed in

the Table of Benefits, subject to the applicable Conveyance Limits,

deductibles and excess.

ELIGIBILITY

The benefits summarised in this document are dependent upon You

being a valid SCB Journey Visa Signature Credit Card Cardholder at

the time of any incident giving rise to a claim. SCB will give You notice

if there are any material changes to these terms and conditions or if

the policies supporting the benefits available under these

agreements are cancelled or expire without renewal on equivalent

terms.

This is Your benefit guide and agreement with Us. It contains details

of benefits, conditions and exclusions relating to SCB Journey Visa

Signature Credit Card Cardholders and is the basis on which all claims

You make will be settled.

Benefits set forth in this document are to be asserted, in accordance

with the terms and conditions provided for in this document, against

the Insurer exclusively.

USE OF YOUR PERSONAL DATA

In using these benefits You also agree We may:

a) disclose and use information about You and Your benefits –

including information relating to Your medical status and health

– to companies within the Allianz Group of companies worldwide,

Our partners, service providers and agents in order to administer

and service Your benefits, process and collect relevant payments

and for fraud prevention;

b) monitor and/ or record Your telephone calls in relation to cover

to ensure consistent servicing levels and account operation.

c) use advanced technology and well defined employee practices

to help ensure that Your information is processed promptly,

accurately and completely and in accordance with applicable

data protection law.

If You want to know what information is held about You by the

Allianz Group, please write to:

Name: AWP Services Singapore Pte Ltd

Address: 79 Robinson Road, #09-01 Singapore 068897

WHO IS YOUR INSURER?

This travel insurance policy is underwritten by Allianz Insurance

Singapore Pte. Ltd. The Insurer may be referred to as “We”, “Our”

“Company” and “Us” in this policy wording.

JURISDICTION AND CHOICE OF LAW

This insurance policy document is subjected and interpreted in

accordance to the laws of the Republic of Singapore.

POLICY DEFINITIONS

“Accident”, “Accidental” or “Accidentally” means an unexpected,

unintended, unforeseeable and external event causing injury,

disablement, or death.

“Allianz Travel” means the trading name of the service provider,

AWP Services Singapore Pte Ltd located at 79 Robinson Road, #09-

01 Singapore 068897.

“Arises” or “Arising” means directly or indirectly Arising or in any

way connected with.

“Benefits Table” or “Table of Benefits” means the table listing the

benefit amounts on page1.

“Bodily Injury” means an identifiable physical Injury caused by a

sudden, violent, external, unexpected specific Event. Injury as a

result of Your unavoidable exposure to the elements shall be

deemed to be a Bodily Injury.

“Cardholder” means the holder of a covered card.

“Carrier” means any bus, coach, ferry, cruise ship, train (including

underground train, light rail and magnetic train companies) operated

by a carrier duly licensed from relevant government authorities for

the regular transportation of fare-paying passengers, including any

fixed, wing aircraft provided by a regular flight operating airline or

an air charter company; and any helicopter provided and operated

by an airline operating only between established commercial

airports or licensed commercial heliports.

“Computer System” means any computer, hardware, software, or

communication system or electronic device (including but not

limited to smart phone, laptop, tablet, wearable device), server,

cloud, microcontroller, or similar system, including any associated

input, output, data storage device, networking equipment, or

backup facility.

“Conveyance Limit” means the maximum amount that may be

claimed as the result of a single Occurrence.

”Country of Residence” means the country in which you are granted

rights of citizenship or permanent residence by the government

authorities or is a country where you spend more than 90 days in any

one year.

This Travel Insurance is underwritten by Allianz Insurance Singapore Pte. Ltd., with services provided by AWP Services Singapore Pte. Ltd. trading as Allianz Travel.

“Covered Card” means a SCB eligible credit card, including primary,

supplementary and replacement cards, issued in Singapore, the card

being valid and the account balance having been paid in accordance

with the Cardholder agreement at the time of any incident giving rise

to a claim.

“Cyber Risk” means any loss, damage, liability, claim, cost, or

expense of any nature directly or indirectly caused by, contributed

to by, resulting from, or arising out of or in connection with, any one

or more instances of any of the following:

1. Any unauthorized, malicious, or illegal act, or the threat of such

act(s), involving access to, or the processing, use, or operation of,

any Computer System;

2. Any error or omission involving access to, or the processing, use,

or operation of any compute Computer System;

3. Any partial or total unavailability or failure to access, process, use,

or operate any Computer System; or

4. Any loss of use, reduction in functionality, repair, replacement,

restoration or reproduction of any data, including any amount

pertaining to the value of such data.

“Emergency” means a sudden and unforeseen situation or condition

requiring immediate action, assessment or treatment.

“Epidemic” means a contagious disease recognized or referred to as

an epidemic by a representative of the World Health Organization

(WHO) or an official government authority.

“Event” means an Occurrence, including continuous or repeated

exposure to the Occurrence.

“Family” means Your legal spouse, legally recognized de facto son,

daughter.

“Home” means the place where You normally live in Singapore.

“Hospital” means an institution which meets all of the following

requirements: 1) it must be operated according to law; 2) it must give

24 hour medical care, diagnosis and treatment to the Sick or Injured

on an inpatient basis; 3) it must provide diagnostic and surgical

facilities supervised by Medical Practitioner; 4) registered nurses

must be on 24 hour call or duty; and 5) the care must be given either

on the Hospital’s premises or in facilities available to the Hospital on

a pre-arranged bases.

A Hospital is not a rest, convalescent, extended care, rehabilitation

or other nursing facility; a facility which primarily treats mental

Illness alcoholism, or drug addiction (or any ward, wing, or other

section of the Hospital used for such purposes); or a facility which

provides hospice care (or wing, ward, or other section of a Hospital

used for such purposes).

“Illness” means a physical condition marked by a pathological

deviation from the normal healthy state manifesting itself during

Your period of cover, excluding any Pre-existing Medical Condition.

“Injure” or “Injured” or “Injury” means bodily injury caused solely

and directly by violent, accidental, visible and external means, which

occurs during your period of cover, and occurs independently and

does not result from any illness, sickness or other bodily disease.

“Insured Person(s)” means each Standard Chartered Bank

(Singapore) Limited’s valid eligible credit card holder.

“Insurer” means Allianz Insurance Singapore Pte. Ltd. (AIS).

“Loss of Sight” means complete and permanent irrecoverable loss of

sight.

“Medical Condition(s)” means any medical or psychological disease,

Sickness, condition, Illness or Injury that has affected You.

“Medical Practitioner” means a qualified doctor of medicine or

dentist registered in the place where you received the services/ or

treatment or who is licensed and legally entitled to practice medicine

in the applicable field for which services are delivered. A medical

practitioner cannot be related to you.

“Occurrence” means a single incident or Event causing a loss.

“Overseas” means any country outside of Singapore.

“Pandemic” means an epidemic that is recognized or referred to as

a pandemic by a representative of the World Health Organization

(WHO) or an official government authority.

“Permanent Disablement” means you have lost either: all sight in

one or both eyes, or the use of a hand or foot at or above the wrist

or ankle, and the loss is for at least 12 months and in our opinion

after consultation with an appropriate medical specialist, that loss

will continue indefinitely.

“Pre-existing Medical Condition” means:

1. An ongoing Injury, medical or dental condition of which You

are aware, or related complication you have, or the symptoms

of which You are aware;

2. A medical or dental condition that is currently being, or has

been investigated, or treated by a health professional

(including dentist or chiropractor) at any time in the past, prior

to policy purchase;

3. Any condition for which You take prescribed medicine;

4. Any condition for which You have had surgery;

5. Any condition for which You see a medical specialist;

This definition of Pre-existing Medical Condition applies to you,

your travelling companion(s) or any other person.

“Policyholder” means Standard Chartered Bank (Singapore) Limited

(SCB) (the “Bank”).

“Reasonable” means:

• the standard level of medical or dental care given in the country

You are in;

• the standard level of accommodation and travel that You have

booked for the rest of Your Journey or, as determined by Us;

• the actions that a Reasonable person could be expected to take

in a given scenario, as determined by Us.

This Travel Insurance is underwritten by Allianz Insurance Singapore Pte. Ltd., with services provided by AWP Services Singapore Pte. Ltd. trading as Allianz Travel.

"Sick" or "Sickness" means a medical condition that is not an injury

or not a pre-existing medical condition, which first occurs during

your period of cover.

“Strike” or “Industrial Action” means any form of Industrial Action

which is carried out with the intention of stopping, restricting or

interfering with the production of goods or provision of services.

“Terrorism” means an act or acts, of any person or group(s) of

person, committed for political, religious, ideological or similar

purposes with the intention to influence any government and/or to

put the public, or any section of the public, in fear. Terrorism can

include, but not be limited to, the actual use of force or violence

and/or the threat of such use. Furthermore the perpetrators of

Terrorism can either be acting alone, or on behalf of, or in

connection with any organization(s) or governments(s).

“Trip” or “Journey” means the period which the Insured Person are

riding solely as a fare-paying passenger in or boarding on or alighting

from a scheduled Carrier or any Carrier while travelling directly to

the place of departure immediately preceding scheduled departure

or from the place of arrival immediately following scheduled arrival

of such scheduled Carrier on which the Insured Person is covered by

this policy, provided that the entire fare for travel on such scheduled

Carrier has been fully charged in advance of the scheduled departure

time to the Covered Card maintained with the Policyholder.

“We”, “Us”, “Our”, “Company” and “Insurer” means Allianz

Insurance Singapore Pte. Ltd. (AIS) or its appointed assistance

provider, AWP Services Singapore Pte Ltd

“You” and “Your” means all Insured Persons under the policy.

This Travel Insurance is underwritten by Allianz Insurance Singapore Pte. Ltd., with services provided by AWP Services Singapore Pte. Ltd. trading as Allianz Travel.

TRAVEL INSURANCE CONDITIONS

1. Only journeys for which 100% of the travel conveyance fare is paid

using the covered card are insured. If the travel conveyance fare is

incorporated as part of a travel package this requirement is

deemed satisfied provided that the total cost of the travel package

is fully charged to the covered card. The policy and the covered

card must still be in force at the time you commence your Trip.

2. All benefit amounts listed in the Benefit Table are per beneficiary

per trip unless otherwise noted.

3. These benefits will be governed by the law of Singapore.

4. You are covered worldwide for up to 90 consecutive days.

PERIOD OF COVER

Period of cover refers to the period between

• Trip start date and

• Trip end date or the date when the card account is

terminated or when these benefits are cancelled or expire,

whichever comes first

Cover will end when the card account is terminated or when these

benefits are cancelled or expire. The period you are covered while

overseas may not exceed 90 consecutive days.

The benefits commence when you leave your home or hotel, or your

place of business (whichever is the later) to commence the trip and

terminates at the time you return to your home, hotel or place of

business (whichever is the earlier) on completion of the trip.

EMERGENCY ASSISTANCE AND HOSPITALISATION

AWP Services Singapore Pte. Ltd. trading as Allianz Travel is a travel

assistance service company with its registered address at 79 Robinson

Road, #09-01 Singapore 068897 and has been appointed by us to

administer all emergency assistance and claims services and benefits

of this insurance. You may contact them in an emergency 24 hours a

day, 7 days a week.

If you are hospitalized, you or a member of your travelling party, MUST

contact our assistance team at Allianz Travel as soon as possible. If you

do not, we will not pay for these expenses or for any evacuation or

airfares that have not been approved or arranged by us.

If you are not hospitalized but you are being treated as an outpatient

and the total cost of such treatment will exceed SGD 2,000 You MUST

contact the Allianz Travel medical team. You will at your expense

furnish us with all such certificates, information and evidence as we

may require.

YOU CAN CHOOSE YOUR OWN MEDICAL PRACTITIONER

You are free to choose your own medical practitioner or we can

appoint an approved medical practitioner to see you. You must,

however, advise us of your admittance to hospital or your intended

early return to Singapore based on medical advice. To guarantee cover

you must follow set instructions from us or the Allianz Travel medical

team.

If you do not get the medical treatment you expect, we can assist you

but we and/or the agent, are not liable for anything that results from

that advice

TERRITORIAL LIMITS

The benefits mentioned in this policy wording apply to countries

worldwide outside the Country of Residence. However, We and Our

appointed Assistance Company shall not be required to provide

services under Section 2 to the Insured Person located in areas which

represent war zones or war risks or political or civil conditions such as

to make such services impossible or reasonably impracticable.

LIMITS OF INDEMNITY

The Company will reimburse Our appointed Assistance Company for

all payments made by Our appointed Assistance Company in

accordance with Section 2.

POLICY BENEFITS

SECTION 1 – PERSONAL ACCIDENT COVER

In the event that You suffer Injury while travelling as a fare-paying

passenger on board any common Carrier during the Journey which

within180 days of its happening is the sole cause of Your death or

permanent disablement as certified by a Medical Practitioner.

For the purpose of this Section, common Carrier includes taxi service,

but excludes rented vehicle, vehicle on hire, tour coach or any mode

of transportation that is chartered or arranged for the tour.

Sum Insured

(up to)

Each Insured Person up to 80 years old at the

commencement of the Journey

$ 500,000

Table of Compensation

Death

100% of the

Sum Insured

Permanent Total Disablement for which

satisfactory proof has been given to the

Company that the total disablement has

been continued for twelve (12) months

from the date of the Injury and will in all

probability continue for the remainder of

the Insured Person’s life and prevent the

Insured Person from attending to any

kind of business, profession or

occupation

Total and irrecoverable loss of sight in

one or both eyes

Loss by physical severance at or above

the wrist or ankle or the total and

permanent loss of use of an entire hand,

arm, foot or leg

If You suffer Injury that results in more than one of the results

described in 1 to 4 above, the maximum We will pay is 100% of the

Sum Insured in total. In relation to accidental death, we will pay the

capital benefit to the estate of the deceased.

We will not pay for expenses caused by any other reason than injury.

You must check “General Exclusions Applicable to All Sections” for

other reasons why we will not pay.

This Travel Insurance is underwritten by Allianz Insurance Singapore Pte. Ltd., with services provided by AWP Services Singapore Pte. Ltd. trading as Allianz Travel.

SECTION 2 – TRAVEL ASSISTANCE SERVICES

TERMS AND LIMITATIONS APPLICABLE TO SECTION 2

By using Allianz Travel, you accept that solely Allianz Travel makes

decisions and organization of the appropriate and necessary

assistance measures.

a) Allianz Travel’s decisions are taken solely in Your medical interest.

b) Allianz Travel doctors contact the local medical facilities and, if

needed, Your usual doctor to collect information allowing Allianz

Travel to take the decisions best suited to your health condition.

c) Any refusal on your part to comply in part or in full with the

decisions taken by Allianz Travel means You exempt us from any

liability concerning the consequences of such an initiative and You

will then lose all rights under this policy from the point you refused

to comply with the decisions taken by Allianz Travel.

d) Allianz Travel is entitled to the right to decide the means of

evacuation and repatriation and the final destination according to

your health condition and the treatment needed by You.

e) The means of evacuation and repatriation assistance are based on

Allianz Travel opinion of Your Medical Condition and will include

the arrangement of necessary transportation vehicles, necessary

medical escorts and any other medically necessary items, at the

discretion of Allianz Travel. Necessary transportation vehicles can

be air ambulance, road ambulance, commercial airline, railway or

any other appropriate means.

f) Expenses incurred in the repatriation of mortal remains include

service and material fees for embalming, preservation, cremation,

delivery and cinerary casket.

g) Allianz Travel interventions are carried out under the national and

international laws and regulations. Allianz Travel services are

subject to the required authorizations by the relevant authorities.

h) Allianz Travel and the Insurer cannot be held liable for delays in,

or prevention of, the agreed services resulting from a case of force

majeure or from Events such as Strikes, riots, civil commotion,

restrictions to free circulation, sabotage, terrorist attacks, civil or

foreign war, and any consequences of a source of radioactivity or

of any other Act of God.

i) You must transfer ownership of any transport tickets to Allianz

Travel and You must undertake to send the unused transport

tickets back to Allianz Travel or reimburse Allianz Travel with the

amount recovered from the organization having issued the

transport tickets.

j) Allianz Travel reserves the right to amend or upgrade the

transport tickets in order to deliver the assistance detailed under

this section. Any benefits will be transferred to Us. Allianz Travel

at its option will deduct the value of the unused transportation

ticket from any claim amount payable to You.

SECTION 2.1 – EMERGENCY MEDICAL ASSISTANCE, EVACUATION AND

REPATRIATION

We will arrange and pay (upon confirmation from the Policyholder)

for the following assistance services if you Injure yourself or become

Sick (including being diagnosed with an Epidemic or Pandemic disease

such as COVID-19) whilst Overseas:

a) Access (including transportation costs) to a Medical Practitioner

for Emergency medical treatment.

b) Any urgent messages which needs to be passed on to your Family

or employer in the case of an Emergency.

c) Provide written guarantees for payment of reasonable expenses

for emergency hospitalization.

d) Your medical transfer or evacuation if you must be transported to

the nearest hospital for emergency medical treatment.

e) Your repatriation back to Singapore if you are sick or injured

overseas with appropriate medical supervision.

We will also arrange and pay for reasonable costs of either an overseas

funeral or overseas cremation or for the reasonable costs for

repatriating your remains back to your home country, in the event of

your death while overseas.

The maximum aggregate limit payable by under Section 2 in respect of

each Insured Person shall not exceed S$25,000 per Event for all the

services and benefits under Section 2, except for those costs

specifically stated to be borne by You.

We will not pay for expenses:

a) Incurred for services provided by another party for which You are

not liable to pay, or any expenses already included in the cost of a

scheduled Trip.

b) For a service not approved and arranged by Allianz Travel, or an

authorized representative of Allianz Travel, provided always that

we reserve the right to waive this exclusion in the event that you

or your travel companion cannot for reasons beyond your control

to notify Allianz Travel during an emergency medical situation. In

any event, we reserve the right to reimburse you only for those

expenses incurred for service which Allianz Travel would have

provided under the same circumstances.

c) Incurred if you do not take the advice of Allianz Travel.

d) Incurred in Singapore.

e) Relating to funeral services or cremation or bringing your remains

back to your home country unless it has been first approved by Us.

Allianz Travel will not be held liable for any delays in, or prevention of,

the agreed services resulting from a case of force majeure or from

events such as strikes, riots, civil commotion, and restriction to free

circulation, sabotage, terrorist attacks, civil or foreign war, and any

consequences of a source of radioactivity or of any act of God.

You must check “General Exclusions Applicable to All Sections” for

other reasons why we will not pay

OVERALL COMPENSATION LIMIT

The maximum liability of the Company in respect of all Insured

Persons travelling in one conveyance shall not exceed the Conveyance

Limit of $ 10,000,000 or the total amount of Compensation payable in

respect of such Insured Persons, whichever is the lesser.

If the total amount of all claims for Insured Persons travelling in one

conveyance exceeds the Conveyance Limit, the

Company’s liability in respect of each of such Insured Persons will be

a rateable proportion of the benefits due in respect of that person.

GENERAL EXCLUSIONS

The Company will not be liable for any claims, damages, losses, death

or disablement, Injury, Illness or liability directly or indirectly caused

by, or in connection with, or arising from:

This Travel Insurance is underwritten by Allianz Insurance Singapore Pte. Ltd., with services provided by AWP Services Singapore Pte. Ltd. trading as Allianz Travel.

1. Any known Event.

2. Sexually transmitted disease, HIV (Human Immunodeficiency

Virus) and/or any HIV related Illness including AIDS (Acquired

Immune Deficiency Syndrome) and/or any mutant derivative or

variations thereof howsoever caused.

3. An Epidemic or Pandemic, or the threat of an Epidemic or

Pandemic, except when and to the extent that an Epidemic or

Pandemic is expressly referenced in and covered under Section 2.1

– Emergency Medical Assistance, Evacuation and Repatriation..

4. Pregnancy, childbirth, miscarriage, abortion or menopause.

5. Suicide or attempted suicide, intentional self-inflicted Injury or any

act which could reasonably be considered as exposure to danger

(except when undertaken in an attempt to save human life),

insanity, or whilst You are under the influence of intoxicating

liquor, drugs or other substance abuse (other than drugs taken

under medical supervision and not for the treatment of drug

addiction).

6. Any Pre-existing Medical Condition or physical conditions of any

Insured Person which has required consultation or treatment

including any recurring, chronic or continuing Illness or condition

during the twelve (12) month period before the commencement

of the Journey. Medical or physical conditions upon which a claim

has been made on a previous Journey shall be deemed a Pre-

existing Medical Condition with regard to subsequent Journey.

7. You engaging in or practising for

a) Flying or other aerial activities except travelling as a fare paying

passenger in a properly licensed, regular scheduled commercial

airline operating between established and licensed commercial

airports.

b) Rafting or canoeing involving white water rapids, bungee jumping,

sky diving, paragliding, jet skiing, underwater activities involving

artificial breathing apparatus, winter sports and activities including

skiing, snowboarding, the use of bobsleigh or skeleton, hunting,

pot-holing, mountaineering or rock climbing that ordinarily

requires the use of ropes or guides and extreme sports which

involve speed, height, danger, a high level of physical exertion,

highly specialised gear or spectacular stunts.

c) Taking part in or practising for speed or time trials, competitions,

sprints or racing of any kind, or as a professional sportsperson

(where one could earn income, remuneration or sponsorship from

engaging in such sport or activity) or any organised team football.

d) Manual work of any kind unless You inform Us when applying for

the insurance and it is accepted by Us in writing.

e) Taking part in expeditions or the crewing of a vessel from one

country to another or engaging in active service in the armed

forces of any nation.

8. You engaging in naval, military, air force, civil defence or police

services or operations, testing of any kind of conveyance, whilst

engaged in off-shore or in mining, aerial photography or handling

of explosives, ammunitions or firearms, travelling as an operator

or crew member of any public Carriers.

9. Any wilful, malicious, criminal or unlawful acts committed by You

and/or the Insured Person or any person acting on Your and/or

the Insured Person’s behalf.

10. Any prohibitions or regulations by any government or local

authority.

11. Any consequential loss not specified in the Policy.

Additionally:

12. We will not pay for expenses:

a) The cost of any elective (non-Emergency) treatment or surgery,

including exploratory tests, which are not directly related to the

Illness or Injury which necessitated Your admittance into Hospital.

b) Any form of cosmetic surgery or treatment.

c) Any expenses in respect of normal dental inspection and/or

treatment or in obtaining dentures or eye glasses or the like or

hearing aids or prosthesis and corrective devices.

d) Treatment or service provided by a health spa, convalescent or

nursing Home or any rehabilitation centre.

e) Any claim if You are under treatment not recommended by or

undertaken by a Medical Practitioner.

f) Any claim if You are travelling against the advice of a Medical

Practitioner or for the purpose of obtaining medical treatment

while overseas.

12. War & Terrorism Exclusion

This Policy does not cover:

Death, disability, loss, damage, destruction, any legal liabilities, cost or

expense including consequential loss of whatsoever nature, directly or

indirectly caused by, resulting from or in connection with any of the

following regardless of any other cause or Event contributing

concurrently or in any other sequence to the loss;

a) War, invasion, act of foreign enemy, hostilities or warlike

operations (whether war is declared or not), civil war, rebellion,

revolution, insurrection, civil commotion assuming the

proportions of or amounting to any uprising, military or usurped

power; or

b) Any Act of Terrorism including but not limited to

(i) the use or threat of force, violence and/or

(ii) harm or damage to life or to property (or the threat of such

harm or damage) including, but not limited to, nuclear

radiation and/or contamination by chemical and/or biological

agents, by any person(s) or group(s) of persons, committed for

political, religious, ideological or similar purposes, expressed

or otherwise, and/or to put the public or any section of the

public in fear; or

c) Any action taken in controlling, preventing, suppressing or in any

way relating to (a) or (b) above.

If the Company alleges that by reason of this Exclusion, any loss,

damage, cost or expense is not covered by this insurance the burden

of proving the contrary shall be upon the Insured Person.

13. Institute Radioactive Contamination, Chemical, Biological,

Biochemical and Electromagnetic Weapons Exclusion.

This clause shall be paramount and shall override anything contained

in this insurance inconsistent therewith:

In no case shall this insurance cover loss damage liability or expense

directly or indirectly caused by or contributed to by, or Arising from

This Travel Insurance is underwritten by Allianz Insurance Singapore Pte. Ltd., with services provided by AWP Services Singapore Pte. Ltd. trading as Allianz Travel.

a) Ionising radiations from or contamination by radioactivity from

any nuclear fuel or from any nuclear waste or from the combustion

of nuclear fuel.

b) The radioactive, toxic, explosive or other hazardous or

contaminating properties of any nuclear installation, reactor or

other nuclear assembly or nuclear component thereof.

c) Any weapon or device employing atomic or nuclear fission and/or

fusion or other like reaction or radioactive force or matter.

d) The radioactive, toxic, explosive or other hazardous or

contaminating properties of any radioactive matter. The Exclusion

in this sub-clause does not extend to radioactive isotopes, other

than nuclear fuel, when such isotopes are being prepared, carried,

stored, or used for commercial, agricultural, medical, scientific or

other similar peaceful purposes.

e) Any chemical, biological, bio-chemical, or electromagnetic

weapon.

14. Political Risks Exclusion

This Policy does not cover loss or damage occasioned directly or

indirectly by or through or in consequence of any of the following

Occurrences namely:

a) Permanent or temporary dispossession resulting from confiscation

nationalisation commandeering or requisition by any lawfully

constituted authority

b) Permanent or temporary dispossession of any property resulting

from the unlawful acquisition of such property by any person

provided that the Company is not relieved of any liability to the

Insured Person in respect of physical damage to the property

Insured occurring before dispossession or during temporary

dispossession which Is otherwise covered by this Policy.

c) The destruction of property by order of any public authority.

In any action suit or other proceeding where the Company alleges that

by reason of the provisions above any loss destruction or damage is

not covered by this insurance the burden of proving that such loss

destruction or damage is covered shall be upon the Insured Person.

15. This policy does not cover Cyber Risk.

16. Sanction Exclusion

This policy does not cover any loss or expenses with respect to Iran,

North Korea, Syria, Sudan or Cuba.

For the avoidance of doubt no (re)Insurer shall be deemed to provide

cover and no (re)Insurer shall be liable to pay any claim or provide any

benefit hereunder to the extent that the provision of such cover,

payment of such claim or provision of such benefit would expose that

(re)Insurer to any sanction, prohibition or restriction under United

Nations resolutions or the trade or economic sanctions, laws or

regulations of the European Union, United States of America and/or

any other applicable national economic or trade sanction law or

regulations.

17. Force Majeure

Your claim Arises from, or is anyway related to force majeure unless

the benefit specifically offers coverage.

GENERAL CONDITIONS

The Policy, the Schedule and any amendments thereto shall be read

together as one contract and any word or expression to which a

specific meaning has been attached in any part of the Policy or the

Schedule shall bear such specific meaning wherever it may appear.

1. COMMUNICATION IN WRITING

Every notice or communication to be given or made under this Policy

shall be delivered in writing to Us.

2. RENEWAL

This Policy may be renewed from year to year by mutual agreement

between the Policyholder and the Insurer.

3. CLAIMS PROCEDURE

a) Notice shall be given by You to Us as soon as possible of the

happening of any Event in respect of which a claim is to be made.

b) You shall at Your own expense furnish Us such certificates

information and evidence as We may reasonably require.

c) In respect of a claim under Section 1 of the Policy

i. You shall as soon as possible after the happening of any Event

in respect of which a claim is to be made procure and follow

medical advice from a duly registered Medical Practitioner.

ii. As often as required, You shall submit to medical examination

on behalf of Us at its own expense.

4. FRAUD

If You or anyone acting for You makes a claim under this Policy

knowing the claim to be dishonest, fraudulent or intentionally

exaggerated in any way, We will not pay the claim and all benefits

under this Policy shall be forfeited. We reserve the right to notify the

Police of any such claim.

5. NON-ASSIGNMENT AND DISCHARGE

We will not recognise or be affected by any notice of trust, charge or

assignment relating to this Policy. The receipt of You, or Your legal

personal representatives or of any person(s) to whom any benefit is

expressed to be payable shall in all cases effectively discharge Our

liability.

6. OTHER INSURANCE

If any loss damage or legal liability covered under this Policy is also

covered by any other insurance, We shall not be liable under this Policy

except for any excess beyond the amount payable under such other

insurance.

7. PREMIUM ADJUSTMENT

If the premium for this Policy has been calculated on any estimates

furnished by the Policyholder, the Policyholder shall keep an accurate

record containing all particulars relative to it and shall at all times allow

the Insurer to inspect such record. The Policyholder shall within one

calendar month from the expiry date of each Period of Insurance

furnish to the Insurer such particulars and information as the Insurer

may require. The premium for such Period of Insurance shall then be

adjusted and the difference paid by or allowed to the Policyholder as

the case may be subject to receipt and retention of any minimum

premium applicable.

This Travel Insurance is underwritten by Allianz Insurance Singapore Pte. Ltd., with services provided by AWP Services Singapore Pte. Ltd. trading as Allianz Travel.

8. CANCELLATION

We may cancel this Policy by sending sixty (60) days’ notice by

registered letter to the Policyholder at its last known address and in

such Event will return to the Policyholder the premium paid less the

pro rata portion thereof for the period the Policy has been in force.

The Policy may be cancelled at any time by the Policyholder by giving

sixty (60) days’ notice to Us and provided no claim has arisen during

the then current Period of Insurance the Policyholder shall be entitled

to a return of premium paid on a pro-rated basis less the period the

Policy has been in force and subject to any adjustment of premium

required by the terms or conditions of this Policy.

9. TERMINATION OF AN INSURED PERSON’SCOVER

The cover of an Insured Person under this Master Policy will terminate

immediately in any of the following circumstances, whichever first

occurs:

a) When the Master Policy is terminated;

b) When the Standard Chartered Bank (Singapore) Limited’s eligible

credit card Program is terminated; or

c) When You (the holder of Standard Chartered Bank (Singapore)

Limited’s eligible credit card) cease to hold such credit card.

The cancellation of the Policy under General Condition 8 or

termination of an Insured Person’s cover under General Condition 9

shall not prejudice a covered claim Arising prior to such cancellation

or termination for the Insured Person concerned.

10. ARBITRATION

If any difference shall arise as to the amount to be paid under this

Policy (liability being otherwise admitted) such difference shall be

referred to an arbitrator to be appointed in accordance with the

statutory provisions on arbitration for the time being in force.

Where any difference is by this condition to be referred to arbitration

the making of an award shall be a condition precedent to any right of

action against the Insurer.

Unless any such action or suit be commenced within six (6) months of

the making of an award the Insurer shall not be liable to make any

payment in excess of the amount of the award.

11. DATA PRIVACY NOTICE

It is hereby declared that as a condition precedent to the liability of

the Company, the Policyholder and each Insured Person have agreed

that any personal information in relation to the Insured Person

provided by the Policyholder and the Insured Person to the Company

may be held, used and disclosed to enable the Company or individuals

/ organisations associated with the Company or any independent third

party (within or outside of Singapore) to

a) process, assess or deal with any matter Arising from the Policy

and/or

b) provide all services related to this Policy.

12. GOVERNING LAW & JURISDICTION

The policy is to be construed according to the laws of the Republic of

Singapore. The parties submit themselves to the exclusive jurisdiction

of the Courts of Singapore for the resolution of any conflict or dispute

relating to the Policy save where the circumstances are governed by

the Arbitration clause of the Policy.

13. COMMENCEMENT OF ARBITRATION OR COURT ACTION

If the Insurer shall offer an amount in settlement or disclaim liability

for any claim under this Policy and such claim shall not within twelve

(12) calendar months from the date of such offer or disclaimer have

been referred to arbitration under the provision contained in the

Policy or where liability is in dispute, been made subject to pending

court action then the claim shall for all purposes be deemed to have

been abandoned and shall not then be recoverable under this Policy.

14. DUE OBSERVANCE

The due observance and fulfilment of the terms provisions and

conditions of this Policy insofar as they relate to anything to be done

or not to be done by the Policyholder or Insured Person or other

claimant and the truth of the statements and answers in the proposal

shall be conditions precedent to any liability of the Insurer to make

any payment under this Policy.

15. EXCLUSION OF RIGHTS UNDER THE CONTRACTS (RIGHTS OF

THIRD PARTIES) ACT

A person who is not a party to this Policy contract shall have no right

under the Contracts (Rights of Third Parties) Act to enforce any of its

terms. For avoidance of doubt, the Insurer and the Policyholder are

the only parties to this Policy contract.

16. POLICY ALTERATIONS

We reserve the right to vary the terms conditions and exclusions of the

Policy by giving the Policyholder 30 days’ written notice of any such

variation subject to the proposed amended terms being agreed by the

Policyholder. The changes as agreed between Us and the Policyholder

are binding on all the Insured Persons without notice.

CLAIMS

AWP Services Singapore Pte Ltd (AWP) is authorized by Allianz

Insurance Singapore Pte. Ltd. (AIS) to also provide claims handling

services as Our agent, not as Your agent. AWP acts under an

agreement with the Insurer which means that AWP can handle claims

and make recommendations of claim settlements to the Insurer and is

jointly referred to as “We”, “Our” and “Us” in this policy wording for

this purpose only.

REASONABLE PRECAUTIONS

You must do everything reasonably possible to prevent a loss from

occurring, or when a loss has occurred, ensure that the loss is

minimized. If You do not, We can reduce Your claim by the amount of

prejudice We have suffered, or reject Your entire claim.

HOW TO MAKE A CLAIM

As soon as practicable, and in any case within 30 days after the date of

Occurrence of an Event which may give rise to a claim, You must give

written notification to Us.

If You do not, We can reduce Your claim by the amount of prejudice

We have suffered because of the delay.

You must give Us any information We reasonably ask for to support

Your claim at Your expense, such as but not limited to police reports,

valuations, medical reports, car rental agreement, car insurance policy

and claim result, original receipts, proof of ownership, or proof of an

item’s age. If required, We may ask You to provide translations of Your

documents into English at Your expense to enable Us assess Your

claim.

This Travel Insurance is underwritten by Allianz Insurance Singapore Pte. Ltd., with services provided by AWP Services Singapore Pte. Ltd. trading as Allianz Travel.

If You cannot provide the requested support document, then We can

reject Your claim.

You must co-operate with Us at all times in relation to the provision of

supporting evidence and such other information as We may

reasonably require.

a) For all claims, provide the transaction of the Covered Card to

prove the purchases

b) For Hospital claims, contact Us as soon as possible. We will require

You to submit a medical report clearly outlining the diagnosis of

the Medical Condition, any relevant past medical history and the

required treatment plan.

c) For damage or permanent loss of Your Luggage report it

immediately to the police or the Carrier within 24 hours and obtain

a written statement of Your report including any offer of

settlement that they may make.

Please note that We will never pay more than Your actual loss.

CLAIMS PROCESSING

We endeavour to process Your claim within 10 working days of Us

receiving a completed claim form and all necessary documentation. If

We need additional information, a written request will be sent to You

within 10 working days. We will pay all claims in Singapore Dollars. The

rate of currency exchange that will apply is the rate at the date of loss

Occurrence. No indemnity from Us will carry any interest.

TO WHOM INDEMNITIES ARE PAYABLE

Indemnity for Your loss of life is payable to Your estate. All other

indemnities of this Policy are payable to You. All the relevant claim

forms should be completed and submitted by You, If not, an

authorization letter signed by You is required to proof that others have

the right to make a claim instead of You.

In the Event upon investigation, AWP discovers that the individual

whom AWP has rendered assistance to is not a valid SCB eligible credit

card Cardholder and/or is not eligible for the benefits. AWP reserves

the right to demand for payment from You, the Cardholder for the full

costs of assistance rendered to said recipient of benefits.

YOU MUST NOT ADMIT FAULT OR LIABILITY

In relation to any claim under this policy You must not admit that You

are at fault, and You must not offer or promise to pay any Money, or

become involved in litigation, without Our approval.

YOU MUST HELP US TO RECOVER ANY MONEY WE HAVE PAID

If We have a claim against someone in relation to the Money We have

to pay under this policy, You must do everything You can to help Us

do that in legal proceedings. If You are aware of any third party that

You or We may recover Money from, You must inform Us of such third

party.

If You intend to commence legal proceedings to recover Your costs or

seek compensation against a third party, You must inform Us as soon

as possible.

We will apply any Money We recover from someone else under a right

of subrogation in the following order:

1. To Us, Our administration and legal costs Arising from the

recovery.

2. To Us, an amount equal to the amount that We paid to You under

the policy.

3. To You, Your uninsured loss (less Your excess).

4. To You, Your excess.

Once We pay Your total loss We will keep all Money left over.

If We have paid Your total loss and You receive a payment from

someone else for that loss or damage, You must pay Us the amount of

that payment up to the amount of the claim We paid You.

If We pay You for permanently lost, stolen or damaged property and

You later recover the property or it is replaced by a third party, You

must pay Us the amount of the claim We paid You.

If We pay Your claim and You receive a payment from someone else

for the same costs, fees or expenses, You must pay Us the amount of

that payment up to the amount of the claim We paid You.

We may seek reimbursement from You if You receive a payment from

any other source for any amount of the claim We paid You.

IF YOU CAN CLAIM FROM ANYONE ELSE, WE WILL ONLY MAKE

UP THE DIFFERENCE

If You can make a claim against someone in relation to a loss or

expense covered under this policy and You do not get paid the full

amount of Your claim, We will make up the difference. You must claim

from them first.

SUBROGATION

At Our discretion, We may start, control and settle legal proceedings

for Our own benefit in Your name to recover compensation or secure

indemnity from any party in respect of anything covered by this policy.

We may do so in Your name and on Your behalf. You also consent to

Us seeking to recover any Money We have paid to You from a third

party.

You must help Us to do this, even if We have not yet paid Your claim,

and even if the amount We pay is less than full compensation for Your

loss.

DUPLICATION OF COVER

In the Event that You are covered under more than one policy for the

same loss underwritten by other companies, including Us, You must

seek compensation from other companies before submitting Your

claim to Us. We will reimburse the balance if You do not get full

compensation from other companies.

AGE

In the Event of any claim, the age of the Insured Person will be

determined as at the date of Injury or Illness with reference to their

date of birth.

ARBITRATION

If We admit liability for a claim but there is a dispute as to the amount

to be paid, the dispute will be referred to an arbitrator. The arbitrator

will be appointed jointly by You and Us in accordance with the law at

the time. You may not take legal action against Us over the dispute

before the arbitrator has reached a decision.

This Travel Insurance is underwritten by Allianz Insurance Singapore Pte. Ltd., with services provided by AWP Services Singapore Pte. Ltd. trading as Allianz Travel.

IMPORTANT- The Insured and Insured Person are requested to read

this Policy. If any error or misdescription be found, the Policy should

be returned to the issuing office for correction.

CONTACT DETAILS

For customer service, please:

Call: 1 800 222 1818 (Toll-free) or +65 6222 3350

Mon – Fri, 09:00 – 17:30 (Singapore Time)

E-mail: [email protected]

For claim enquiries, please:

Call: 1 800 222 1818 (Toll-free) or +65 6222 3350

E-mail: [email protected]

To file a claim, please visit:

https://www.allianz-assistance.com.sg/claims.html

For emergency assistance during your trip, please:

Call: +65 6995 1111

This Travel Insurance is underwritten by Allianz Insurance Singapore Pte. Ltd., with services provided by AWP Services Singapore Pte. Ltd. trading as Allianz Travel.