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TravelSmart Premier | Travel Insurance

Greater assurance with extended coverage for COVID-19

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With no additional premium needed, get up to $150,000 coverage1 expenses and emergency medical evacuation if you are diagnosed with COVID-19 during your travels. Read more

Embark on your travels with financial protection. Yes now you can – whether it’s a much-deserved holiday, that overdue adventure tour, a quick weekend getaway or essential work travel. 

Now you can be fully immersed in your travel experiences, knowing that TravelSmart Premier is providing you the protection against unexpected events –from travel delays to leisure adventurous activities accidents. 

For existing customers, we will pre-fill your details to simplify your purchase. Use the Great Eastern App to make a faster purchase today.

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Key benefits

  • Circle Image

    Extended coverage for travel inconveniences due to COVID-19

    Whether you, your relative or travel companion on the same trip is diagnosed with COVID-19, you can be assured that your coverage is extended to support cancellations and postponements. Get complete peace of mind with an automatic extension of coverage up to 30 days, without extra premium, if you are hospitalised or quarantined overseas due to COVID-19. 
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    Comprehensive worldwide protection with extensive medical coverage

    Travel with ease as you are supported with our 24-hour international emergency assistance services including up to $1 million emergency medical evacuation coverage. 

    Our plan also extends to cover medical expenses that includes Emergency Dental Treatment2, Traditional Chinese Medical (TCM) and Chiropractor treatments. 
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    Protect against unexpected travel cancellation and inconveniences

    Up to $15,000 coverage against flight cancellations and includes coverage for other travel inconveniences, like loss of baggage, non-recoverable accommodation expenses and trip disruptions due to unforeseen events. 
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    Complimentary benefits at no extra premium2

    Indulge in action-packed adventures like mountaineering, snowboarding and skydiving, knowing you are covered at no additional premium.

Your questions answered

(Applicable for Elite and Classic single trip 2-way plans and annual multi-trip plans, each trip must not exceed 90 days.)

If you are purchasing a new policy, we have extended the TravelSmart Premier policy to cover certain situations pertaining to COVID-19.
This means that for some benefits, cover is expanded to include losses occurring after COVID-19 was a known event and could reasonably have been expected to lead to a claim. For a detailed summary of what is covered or not covered for COVID-19, please refer to the policy wording.

Before purchasing the policy, please note that:
• Your Trip is under the latest permitted travel arrangement as per Singapore Government travel advisory.
• For single-trip policies and annual multi-trip policies, the extension only applies if the trip is no longer than 90 days in a row.
• The extension is applicable to Elite and Classic plans only.
• You are not serving stay home notice or quarantined due to COVID-19 or traveled to any countries other than the list of countries permitted as per Singapore Government travel advisory within 14 days before your trip started.
• If required by authorities, you must take a COVID-19 Polymerase Chain Reaction (PCR) test or any COVID-19 equivalent test approved by Singapore authorities within 72 hours before the start of your trip and you must be tested negative. Otherwise, there is no cover under section 38a - Medical expenses while overseas, section 38b - Emergency medical evacuation, section 38c - Repatriation, section 38g - Automatic extension of cover, section 38h – Overseas quarantine allowance and section 38i - Overseas hospital allowance of this extension.
• We will not cover if you, a relative, or a travel companion is diagnosed (or suspected of being infected) with Covid-19 at the point of purchase of this policy or trip.

Q1: What are the benefits provided for COVID-19 cover?

Please refer to the table below for COVID-19 coverage:
 

COVID-19 Coverage Extension Sub-limits of Main Benefit (S$)
Elite Classic Basic
Extension is applicable for single trip 2-way plans up to 90 days and annual plan policyholders.
38a  Medical expenses while overseas    





Not covered
Adult under 70 years $150,000 $50,000

Adult age 70 years or above

$50,000

$15,000
Child $150,000 $50,000
Maximum limit for family cover $400,000 $150,000
38b Emergency medical evacuation $150,000 $50,000
38c Repatriation $5,000 $5,000
38d Trip cancellation $5,000 $3,000
38e Trip postponement $2,000 $1,000
38f Trip disruption $5,000 $3,000
38g Overseas quarantine allowance (New) $100 per day

(Up to 14 days)		 $50 per day

(Up to 14 days)
38h Overseas hospitalisation allowance (New) $100 per day

(Up to 14 days)		 $50 per day

(Up to 14 days)
38i Automatic extension of cover (New) Up to 30 days Up to 30 days


Q2: Where can I find details on the latest permitted travel arrangements issued by the Singapore government?

For the latest permitted travel arrangements issued by the Singapore government, please visit ICA Safe Travel website at https://safetravel.ica.gov.sg/.

Q3: If the destination that I am going to has been suspended from the latest permitted travel arrangement as per the Singapore authorities, will I still be covered for the COVID-19 extension if I proceed with the trip?

No, the COVID-19 extension is only applicable if your trip is under the permitted travel arrangements as per the Singapore Government travel advisory at the point of your trip commencement.

Q4: If I have already departed for my trip before the permitted travel arrangement was suspended by the Singapore authorities, will I still be covered for the COVID-19 extension?

Yes, you will still be covered under the COVID-19 extension in view that the permitted travel arrangement was suspended after you have departed for your trip.

Q5: Will the policy cover my loss if I need to cancel my trip due to being diagnosed with COVID-19?

We will pay for any non-recoverable travel, accommodation expenses and/or cost of entertainment tickets that were paid in advance due to the cancellation of your trip if you are diagnosed with COVID-19 in Singapore within 30 days prior to the scheduled departure date of your trip.
Please note that reimbursement of any travel and/or accommodation expenses redeemed using mileage points, holiday points or any reward schemes is excluded. If the policy is purchased less than seven days before your departure date, the Trip Cancellation benefit will only apply upon death due to COVID-19.

 

Q6: Will the policy cover my loss if I need to postpone my trip due to being diagnosed with COVID-19?

We will pay for any non-recoverable administrative charges arising from your travel and accommodation expenses that were paid in advance due to the postponement of your trip if you are diagnosed with COVID-19 in Singapore within 30 days prior to the scheduled departure date of your trip.
Please note that reimbursement of any travel and/or accommodation expenses redeemed using mileage points, holiday points or any reward schemes is excluded.

 

Q7: I want to cancel my travel plans because I'm afraid to travel due to COVID-19. Am I covered?

Trip cancellation due to concern or fear of travel because of COVID-19, is not covered under the policy.

 

Q8: Can I claim for compensation if my flight is delayed by airline following instruction or recommendation by the government due to COVID-19 situation?

Flight delay by airline following instruction or recommendation of the government due to COVID-19 situation does not fall under the policy coverage.

Q9: If I contracted COVID-19 while traveling overseas, can I claim for medical expenses incurred?

We will reimburse the overseas medical expenses incurred up to 90 consecutive days from the date you are diagnosed with COVID-19.
Please note that the policy will not cover your overseas medical expenses incurred if you are travelling against the advice of the Government or any local authority at the destination.

 

Q10: Will the policy cover my loss if I am diagnosed with COVID-19 during my trip and as a result, I am unable to continue with the trip?

We will pay up to the sub-limit that applies to your selected plan for the reasonable extra travel expenses or the cost of the unused portion of non-recoverable travel expenses (economy class), accommodation costs and entertainment tickets (for admission to theme parks, musicals, plays, theatre or drama performances, concerts or sports events) that you paid in advance if you are forced to change any part of your trip as a direct result of you, a relative on the same trip, or a travel companion being diagnosed with COVID-19 by a medical practitioner while you are overseas.

 

Q11: Will my policy be automatically extended in the event that I am hospitalised overseas or quarantined due to COVID-19?

We will automatically extend your period of insurance with no extra premium for up to 30 days if you are hospitalized or quarantined overseas as a direct result of you being diagnosed with COVID-19 by a medical practitioner while you are overseas.

 

Q12: If I am quarantined overseas, am I entitled to any overseas quarantine allowance under my travel insurance

We will pay you a cash benefit up to the limit that applies to your selected plan for each full 24-hour period of quarantine, if you are placed under mandatory quarantine by the local authorities as a direct result of you being diagnosed with COVID-19 by a medical practitioner while you are overseas.
Quarantine benefit is payable for quarantine at designated facility which is legally recognized by respective countries’ legislation.

 

Q13: If I am hospitalised overseas, am I entitled to any hospital allowance under my travel insurance?

We will pay you a cash benefit that applies to your selected plan for each full 24-hour period that you are in hospital overseas as an inpatient as a direct result of you being diagnosed with COVID-19 by a medical practitioner while you are overseas.

Q14: If I contracted COVID-19 upon my return to Singapore, can I claim for medical reimbursement?

The policy is designed to protect you during your overseas journey. If you are diagnosed with COVID-19 within Singapore, after your journey, your policy will not cover the costs of any medical expenses incurred locally.

Q15: Who can purchase TravelSmart Premier?

In order to qualify for travel insurance from Great Eastern, you must meet the following criteria:
• You are a Singaporean or Singapore Permanent Resident; or foreigner with a valid Employment Pass, Work Permit, Dependant’s Pass, Student’s Pass or Long Term Social Visit Pass residing in Singapore.
• You are at least 18 years old at the time of purchase (only required if you are the applicant).
• You are not travelling contrary to the advice of a qualified medical practitioner or for the purpose of obtaining medical treatment.
• You bought the policy before you leave Singapore on your trip.

 

Q16: What is the difference between TravelSmart Premier Basic, Classic and Elite Plans?

The differences are in the policy features and maximum amounts payable per person per trip in the event of a claim. For the best cover and highest protection, we suggest you choose Elite plan. You can view the travel policy document and compare the amounts payable for each of the policy features, to help you choose a suitable plan.

 

Q17: Who is considered Family under TravelSmart Premier?

For Single Trip Policies, Family means:
• An adult and/or his/her spouse and unlimited number of biological or legally adopted children; or
• One (1) or two (2) adults who are not related by marriage and a maximum of four (4) children who must be at least family related (i.e. biological or legally adopted child or ward, sibling, grandchild, niece, nephew or cousin) to any one of the adults; and
All insured persons under the Single Trip Family Cover must depart from and return back to Singapore together at the same time as a Family.

For Annual Multi-Trip Policies, Family means:
• An adult and/or his/her spouse and unlimited number of biological or legally adopted children; and
• The insured persons under the family cover are not required to travel together on a journey. However, child insured person under the age of ten (10) years must be accompanied by a parent or adult guardian for any trip made during the period of insurance.

 

Q18: What do I indicate as the Period of Insurance?

You will need to indicate the start date and end date of your trip for the Period of Insurance. The start and end date will be based on Singapore time.
• Start date: The date you are departing from Singapore (e.g. If you are departing from Singapore on 04 Dec 2020 23:50, you should indicate the Start Date as 04 Dec 2020).
• End date: The date you are arriving in Singapore (e.g. If you are arriving in Singapore on 05 Dec 2020 00:30, you should indicate the End Date as 05 Dec 2020).

 

Q19: Can I purchase TravelSmart Premier for my child who is traveling on a student exchange program or field trip?

Yes, child below 18 years old can apply for any plans under an individual cover, provided the proposal is made in the parent or adult guardian's name.
Child below 10 years old must be accompanied by an adult (parent or guardian) for the entire trip.
Please note that child benefits apply.

 

Q20: Can I purchase travel insurance if I am already overseas?

No, you will need to purchase your travel insurance before setting off for your overseas trip from Singapore. We strongly encourage you to purchase early before departure as our travel insurance provides pre-journey coverage as well.

 

Q21: If I have pre-existing illness, can I still purchase travel insurance?

Yes, you may still buy the policy. However, please note that the policy does not cover any loss, damage or liability directly or indirectly arising as a result of any pre-existing medical condition. For more information, please refer to your policy documents.

 

Q22: I will be travelling to more than two countries and will be back to Singapore before flying to the next country (e.g. Singapore > Bangkok > Singapore > Seoul> Singapore). Can I purchase one single trip policy for the entire journey in this case?

Sounds like a great trip! In this case, you will need to buy 2 separate single trip policies because the coverage for a single trip policy ends when you return to Singapore. Alternatively if you travel more than 3 times a year, an annual policy would be recommended as your insurance costs will be considerably cheaper compared to buying a single trip travel policy each and every time.

 

Q23: I’m travelling to more than one country during my trip. Can I still get a policy?

Yes, please select all destinations on your itinerary.

 

Q24: If I am travelling overseas to seek medical treatment, can I take up travel insurance?

Our policy covers people who are travelling overseas for business or for holiday. It is not intended to cover people who are travelling to seek medical treatment.

 

Q25: If I am only travelling one-way, will I be able to purchase travel insurance?

Yes, please select one-way trip. Your cover will cease when you arrive at your place of residence or workplace in the destination country within 4 days, or 3 hours after you have cleared immigration in the destination country, whichever is earlier.

 

Q26: Does the policy cover business travel?

Yes. Your policy will cover you for business travel except for
• any loss, damage or liability arising as a result of manual or hazardous work;
• travel relating to your job as a licensed tour guide or staff of a travel agency;
• you taking part in naval, military, air force, civil defence or police training, duties, services or operations.
For more information, please refer to the policy document.

Q27: What is the maximum period of coverage for an overseas trip?

• For Single Trip Policy: 182 consecutive days for Classic/ Elite Plan and up to 30 consecutive days for Basic Plan.
• For an Annual Multi-Trip Policy: 90 consecutive days for Classic/ Elite Plan and up to 30 consecutive days for Basic Plan.

 

Q28: When will the coverage for my travel policy start?

Our pre-journey benefits provide coverage for trip cancellation and postponement 30 days before your departure date or policy issuance date, whichever is later. For all other benefits, the coverage starts after departure from Singapore.

 

Q29: I am stranded in a country and my policy is expiring. Can it be extended?

The Policy will be automatically extended (all plans except Basic Plan) without any additional premium for:
• Up to a maximum of 30 days if you are hospitalised and quarantined overseas as advised by the attending medical practitioner.
• Up to a maximum of 7 days if:
a) The conveyance in which you are travelling is delayed through no act or omission of you.
b) The airport or seaport is closed due to adverse weather conditions, strike, riot or civil commotion with the result that the Trip is not completed when the Period of Insurance ceases.

 

Q30: What are some of TravelSmart Premier’s general exclusions?

TravelSmart Premier does not cover any loss, injury or damage arising if:
• You have a pre-existing medical condition.
• You are not fit to travel or are travelling against the advice of a doctor.
• Any strike, riot, civil commotion, dangerous health threat, natural disaster or any events in the destination you are traveling to which a government or any relevant authority issued a public warning or statement about before you left Singapore.
Please refer to the policy wording for the full list of exclusions.

 

Q31: Are any countries excluded from coverage?

TravelSmart Premier does not cover any travel in, to, or through UN sanction list of countries such as:
• Cuba
• Iran
• Syria
• Crimea Region
• North Korea

 

Q32: Does TravelSmart Premier cover adventurous activities?

If you have purchased the Elite or Classic plan, the Policy covers accidental injury or death when you participate in these activities for leisure purposes and under guidance and supervision of qualified guides or instructors of the local licensed tour operator:
• Bungee jumping;
• Canoeing or white water rafting with a qualified guide and below Grade 4 (of International Scale of River Difficulty);
• Dog Sledding;
• Hang gliding;
• Helicopter or airplane rides for sightseeing;
• Hot air balloon rides for sightseeing;
• Jet skiing;
• Mountaineering at mountains or trekking below the height of four thousand (4,000) metres above sea level;
• Paragliding;
• Parasailing;
• Skiing or snowboarding all within official approved areas of a ski resort;
• Sky diving;
• Underwater activities involving artificial breathing apparatus for diving up to a maximum depth of thirty (30) metres and insured holds a PADI certification (or similar recognised diving qualification) and is diving with a buddy who holds a PADI certification (or similar recognised diving qualification) or with a qualified diving instructor;
• Zip-lining, Zip-riding.

 

Q33: Does being pregnant affect my travel insurance cover?

We will pay for your necessary medical treatment outside Singapore within the stipulated policy limits for pregnancy-related sicknesses. However, this is not applicable if treatment is sought in home country or for a one way trip policy.

 

Q34: Am I covered for emergency medical treatment including air ambulance to get me home?

Yes, if the treating doctor and our medical emergency assistance provider agree that an air ambulance is necessary, you will be covered up to the limits shown in your policy.

 

Q35: Who decides when emergency evacuation is necessary?

This decision will be made by consultation between the treating doctor and our medical emergency assistance provider. Please call our 24-hour Emergency Assistance Hotline at +65 6708 7453 for assistance.

 

Q36: If I have misplaced my receipts/ documents, can I still claim for loss of personal items?

It is important that you keep the original documentation and receipts for any items that you intend to make a claim for, as this will provide a more accurate assessment of their value. If not, your claim may be affected.

 

Q37: What should I do if any of my belongings are lost or stolen? Is a police report required?

You need to report the theft or loss to the police within 24 hours of discovering it, and ask them for a report in writing. If applicable, report the theft or loss to your airline, transport company or hotel and ask them for a report in writing. These documents will be required when you are making a claim.

Q38: What should I do if I fall sick or encounter an accident abroad?

Please contact our 24-hour Emergency Assistance Services if you need emergency medical assistance while travelling.
 

•  Phone (Hotline) : (65) 6708 7453

•  WhatsApp : +1 888 831 7667

•  Click-to-Call

 

Q39: How do I file for a claim?

Claims submission can be submitted via our online travel claim portal here. Kindly submit full particulars and full facts of the claim including its occurrence, detailed circumstances and extent of loss, with any supporting documents as soon as reasonably possible but no later than 30 days after the incident. For more details, please refer to this page.

For general enquiries:
Please contact our Customer Service Hotline at 6248 2888, Mondays to Fridays, 9am to 5.30pm (excluding public holidays) or email us GICare-sg@greateasterngeneral.com.

Alternatively, you can inform your servicing agent who can also assist you with the claim.

Q40: Will I receive a premium refund if I decide not to proceed with my Trip?

• Cancellation for Single Trip Policy:
The policyholder may cancel this Policy at any time prior to the commencement of this Policy coverage and the cancellation will apply from the date we receive the notice of cancellation. We will refund the premium paid less S$25 administrative charge. However, there will be no refund if we receive the notice of cancellation on or after your trip departure date.

• Cancellation for Annual Multi-Trip Policy:
If this Policy is issued as an annual multi-trip Policy, it may be terminated by either party by giving 1 month’s written notice. If this Policy is terminated by us, a pro-rata refund of premium will be granted to the Insured for the remaining part of the Policy Period. If the Insured terminates this Policy, the refund of premium will be based on the following scale:

Policy Is In Force

 Percent of Annual Premium Refundable
Up to 60 days 60%
Between 61 and 120 days 40%
Between 121 and 180 days 20%
More than 180 days Nil

 

Q41: Can I amend the start date of my travel policy?

Unfortunately, it is not possible to amend the start date. The existing policy would need to be cancelled and replaced with a new policy. Please note that you cannot cancel a short-term travel policy once you have passed the designated start date.

 

Q42: What type of changes do we need to tell you about?

You will need to inform us of any changes to the information completed when taking out travel insurance from us. This will include, but not be limited to: your name, your travelling companion details, details of your children, trip details including region to be visited and duration of trip, and any other additional information that might impact on your risk either before or while travelling.

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Understand the details before buying

With effect from 15/10/2021, COVID-19 coverage will be extended under Elite and Classic plans automatically to countries under the latest permitted travel arrangements as per Singapore Government travel advisory. Kindly note that some countries may require COVID-19 insurance coverage as a condition of entry. Please ensure you select a plan that meet the requirement of your intended destination(s). For full details of the COVID-19 coverage, please refer to the brochure and FAQ.

1 COVID-19 extension is applicable up to 90 days each trip for Elite and Classic single trip 2-way plans and annual multi-trip plans.

2 Not applicable for Basic Plan.

 

  1. The above is for general information only. It is not a contract of Insurance. Please refer to the policy documents for the precise terms and conditions of the insurance plan.
  2. This policy is subject to the Premium Before Cover Warranty Clause, which requires the premium to be paid and received on or before the inception date of the Policy.
  3. This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of bene­fits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the General Insurance Association (GIA) or SDIC websites (www.gia.org.sg or www.sdic.org.sg).
  4. TravelSmart Premier is underwritten by Great Eastern General Insurance Limited, a wholly-owned subsidiary of Great Eastern Holdings Limited and a member of the OCBC Group.

Information correct as at 22 June 2022.

Promotion

Lunar New Year Special, till 12 February 2025

Sign up now to enjoy:
Plan Type Campaign Discount Campaign Offer Minimum Spend Purchase Channel(s)
Single  Trip 45%
(Classic and Elite
plans only)

 

 S$18 e-angbao*
(in 1,800 GREAT Dollars)		 S$100 nett Great Eastern App only
Annual Plan 15%
(Classic and Elite
plans only)		 S$38 e-angbao*
(in 3,800 GREAT Dollars)		 No minimum spend Great Eastern App and other online sales platform

^ Discounts are valid until 31 March 2025. Applicable for new policy sign up(s) excluding renewal(s). 
Replacement policies will not be eligible. Campaign code must be keyed in to be eligible for the discount.
*e-angbao promotion will be valid till 12 February 2025. e-angbao will be credited in GREAT Dollars via the Great Eastern Rewards account.

Click here for the full terms and conditions.

45% off^ Single trip Classic and Elite plans (promo code: TSP45S),

PLUS receive additional S$18 e-angbao* for purchases via the Great Eastern App with a minimum spend of S$100 nett.

15% off^ Annual Classic and Elite plans (promo code: TSP15A),

PLUS receive additional S$38 e-angbao* for purchases via the Great Eastern App and other online sales platform with no minimum spend.

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