What's covered and who can benefit

Get all the answers you need on our travel insurance coverage. Can't find what your answers? Send us an email.

What plan type should I get?

Individual Plan if you're travelling alone.

Group Plan if traveling with 1 or more friends/ relatives. You get to enjoy a group discount when your group size is more than 2.

Family Plan if travelling with your spouse and children. You can include up to 4 children who are aged between 15 days and 18 years old or until 24 years old if they are unmarried and in full-time tertiary education.

What are the countries in zone "Asia" and "Worldwide" for your Annual Travel Plans?

For Asia:

Australia	Brunei	Cambodia	China (excluding Tibet and Mongolia)
Hong Kong	India	Indonesia	Japan
Laos	Macau	Malaysia	Myanmar
New Zealand	Philippines	South Korea	Sri Lanka
Taiwan	Thailand	Vietnam

Australia	Brunei
Cambodia	China (excluding Tibet)
Hong Kong	India
Indonesia	Japan
Laos	Macau
Malaysia	Myanmar
New Zealand	Philippines
South Korea	Sri Lanka
Taiwan	Thailand
Vietnam

For Worldwide: Those listed above and all other countries.

Please note that we do not cover you for the following countries: Afghanistan, Democratic Republic of Congo, Democratic Republic of Somalia, Iran, Iraq, Libya, Nepal, North Korea, Sudan, Syria, Yemen.

I’m going to include my family on my travel policy. Do I get a discount?

Yes, you get a special family package rate for taking the family travel insurance plan which covers you, your spouse and up to 4 children who are aged between 15 days and 18 years old or up to 24 years old if they are unmarried and in full-time tertiary education. Your children can go free on the Family Plan with you and your spouse.

What happens if my flight is delayed and I've only got a single trip cover? Will I still be covered if I don't get back to Singapore when planned?

We'll automatically extend your policy up to 30 days regardless of annual or single trip cover, if your flight is delayed or you are injured and you can't get back home on your scheduled date.

Is there a limit to the number of days I can travel on a single trip policy?

Our single trip plans can cover you for trips up to 90 days.

Is there a limit to the number of trips I can take if I have your annual policy?

Our annual plan covers you for all travel taken within a 12 month period. There's no limit to the number of trips you can take so long as each trip is no more than 90 days.

How much cover should I get?

That will depend entirely on your needs and considerations. Factors to consider:

• How much your family would need without your salary to support them should you become disabled or involved in a fatal accident?
• How much expense you need to cover for you and/or your family in case of trip delay or cancellation based on the hotel and flight you booked?
• What are the necessary coverage you need and what would you want to add on for greater peace of mind?

How is my insurance premium calculated?

Your premium is calculated based on a number of factors including duration, destination, extreme sports, number of travellers. Your premium is also based on the level of coverage you choose.

Am I covered if my flight is cancelled or delayed and I'm stranded overseas because of a natural disaster such as a volcanic eruption?

We will help pay you if your trip is disrupted or you become stranded because of natural disasters or if there has been an unexpected civil commotion that prevents you from continuing with the scheduled trip. You are also covered for additional hotel stays incurred on your return to Singapore.

What if I wish to cancel or amend my trip after an act of terror has happened at the destination that I'm planning to travel to?

In the case of an act of terror happening near to where you intend to travel to, and within 50km of your booked accommodation, we understand that you may decide to cancel, curtail, or amend your insured trip. We will pay for any irrecoverable transport and accommodation expenses for which you have paid or are contracted to pay if you decide to cancel, curtail or amend the trip. The incident must take place after you have booked the trip and within 30 days before you were due to start the insured trip for you to be able to cancel or amend the trip.

We will also pay such costs if you have already travelled and there is an attack within 50km of your booked accommodation and you wish to return back to Singapore early.

If I'm hospitalized overseas, and I wish for my family member to be with me, will my plan cover them as well?

We understand that when you travel on your own, having a family member or friend with you overseas after you fell sick or are injured during the trip, makes the hospitalization stay feel more bearable. We will pay up to the policy limits, the cost of reasonable return economy class transport and reasonable hotel accommodation expenses to allow one family member or friend to travel to be with you if you are hospitalised for at least five continuous days overseas.

I'm taking part in a sporting activity overseas e.g. skiing, scuba diving or trekking, will I be covered?

We offer you the option of including coverage for Extreme Sports and Activities with your annual policy - recreational activities perceived as involving a high degree of risk. When you have opted and paid for the Extreme Sports and Activities optional benefit then you will be covered up to the limits listed under the travel insurance plan you purchased when participating in the following sports or activities:

• winter sports such as skiing and snowboarding
• hiking or trekking up to 4,000m in altitude (without ropes or specialist equipment)

If you have opted and paid for the extreme sports and activities optional benefit, you will be covered up to the limits listed under the travel insurance plan you purchased when participating in the following sports or activities (with appropriate safety gears and equipment):

Winter Sports Activities Skiing, Snowboarding, Snow tubing, Snow rafting, Tobogganing, Snow Shoeing, Sleigh rides, Sledging
On recognised piste, organised by a licensed operator, accompanied by a licenced guide and within official area of a ski resort.
Winter Sports Activities	Skiing Snowboarding Snow tubing Snow rafting Tobogganing Snow Shoeing Sleigh rides Sledging	On recognised piste, organised by a licensed operator, accompanied by a licenced guide and within official area of a ski resort.
	Glacier walking Snowmobile	Organised by a licensed operator and accompanied by a licensed guide at all times.
Water Sports Activities	Diving	Up to 30 metres only with the use of artificial breathing apparatus
	White and black water rafting	Up to grade 4 equivalent and with a licensed guide only
	Canoeing / Kayaking	Up to grade 4 equivalent
	Cave/River tubing	Under supervision of a licensed guide at all times only
	Dinghy sailing	Leisure only and within 5 mile limit of the coastline or on inland waters
	Yachting	Leisure only and within 12 mile limit of the coastline or on inland waters
	Jet boating / Kite boating	Passenger only and organised by a licensed operator only
	Jet Ski Sea walking Sail boarding Wake boarding Body boarding Kite boarding Paddle boarding Wind surfing Water Surfing Flow Riding Water skiing Dragon boating	Organised by a licensed operator only
Aerial Sports Activities	Parachuting Sky diving Paragliding Parascending Hang gliding Bungee jumping	Obtained appropriate license requirements, organised by a licensed operator and accompanied by a licensed guide at all times.
Land Sports Activities	Hiking or trekking up to 4,000 metres in altitude	Organised by a licensed operator and accompanied by a licensed guide at all times.
	Caving Pot holing Mountaineering Rock climbing (indoor / outdoor)
	All-terrain vehicle (ATV) Go Karting Sand Buggy

We do not cover the following even if you have opted and paid for the extreme sports and activities optional benefit:

• any contact sports such as martial arts, boxing or other similar activities;
• organised races or competition where you are competing against others including but not limited to as marathon, biathlon, triathlon, iron-man race, cycling and obstacle races;
• sports tours where you are competing against other teams in contact sports (e.g. rugby);
• sports where you are participating as a professional or for any incentive or reward;
• speed time trial or any form of race;
• any activity, including trekking or hiking, above 4,000m in altitude;
• any activity involving motorised vehicle of any kind other than all-terrain vehicle (ATV), go-kart, sand buggy or Jet ski
• BASE jumping, wing suit flying or other similar activities;
• ski jumping, bobsleigh, skeleton and heli-skiing or other similar activities;
• acting against the rules and safety procedures required or recommended by guide or operator;
• taking part in any of the activities without a licenced guide where we have said they are required.

I am going overseas to receive medical treatment, will I be covered?

We do not cover people who have been advised by a medical practitioner not to travel or anyone who is travelling on a trip to receive medical treatment.

Are there any countries where I won't be covered?

We do not cover you for the following countries: Afghanistan, Democratic Republic of Congo, Democratic Republic of Somalia, Iran, Iraq, Libya, Nepal, North Korea, Sudan, Syria, Yemen.

I will be bringing my sports equipment as part of my trip, will my equipment be covered?

As part of your trip, you may choose to include the Sports Equipment Optional Benefit as part of your annual policy to help cover for loss, theft or accidental damage to your equipment whilst overseas on an insured trip e.g. your skis, snowboard, scuba equipment, golf clubs.

I’m bringing my foreign domestic helper (maid) along for a family trip. Will she be covered under the family travel insurance plan?

You may choose to include your contracted foreign domestic helper as an Optional Benefit under your family travel insurance plan when she is travelling with your family. We will pay for any losses you incur e.g. medical expenses, medical evacuation & repatriation, emergency phone charges, trip cancellation, or curtailment or delay. This policy will only kick in after you have exhausted the coverage under your compulsory maid cover where applicable (e.g. for medical matters) and you must prove you have done so. Any claims resulting from your maid will count towards ‘Per Family Limit’ specified in each of the sections covered

Can I add COVID-19 Travel optional benefit ?

COVID-19 Travel optional benefit is only available for Single Trip policy up to a maximum of 90 days per trip duration. See our COVID-19 FAQs.

For complete information, see our Policy Documents & Wording
DirectAsia Travel Insurance Policy Details