PROTECTION

AIA GROUP TRAVEL CARE

All Sorted:
Essential Protection
for Business Travel

With AIA Group Travel Care, your team members can travel
the world with one less thing to worry about. Let them
embark on their next overseas assignment knowing that
they’ll be safeguarded by our comprehensive protection.

aia.com.sg
01 | PROTECTION AIA GROUP TRAVEL CARE

Total Protection for Business Travellers

Let your team members travel for business without any hassle. Whether they are an occasional business traveller
or a corporate globetrotter, you’ll get the flexibility to choose the essential travel coverage that suits them.
With AIA Group Travel Care, they can focus on their tasks abroad while staying protected with these benefits.

Key Benefits

International SOS Comprehensive Assistance

• 24-hour helpline for travel, medical and
emergency assistance.
Covers Pre-existing Conditions1 • Cashless facility on medical expenses incurred
Insured person affected by these conditions during hospitalisation whilst travelling.
must be insured for twelve (12) months under
this policy and/or the previous group travel
insurance company in Singapore,
subject to General Exclusions.

BEFORE
AFTER

Covers Personal Deviation

Instant coverage before, during and after
Full Terrorism Coverage
a business trip, up to 31 days.
AIA will pay additional 15% of the sum
assured for accidental death due to
terrorism act, up to S$75,000.

Automatic Extension of Coverage Period

Option for Leisure Travel & Automatically extends cover by up to 30 days
Dependant Coverage without additional premium if Insured Person
is hospitalised and quarantined overseas.

Home Leave Extension (For Business Only)

Extends home leave by up to 30 days to cover an
overseas trip to the insured person’s home country
whilst on annual leave from his/her employment duties.

Annual Premiums Per Insured Member (in SGD) Silver Gold Platinum
Regional – business only 134 160 225
Worldwide – business only 162 200 255
Regional – business and leisure 161 192 270
Worldwide – business and leisure 194 240 306
Regional – Australia, Bangladesh, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Korea, Laos, Macau, Malaysia,
Myanmar, Nepal, New Zealand, Pakistan, the Philippines, Sri Lanka, Taiwan, Thailand and Vietnam.
Worldwide – Regional countries and the Rest of the World
Excluded countries – Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan or Syria.
1
Please refer to contract for full definition of pre-existing condition.
 AIA GROUP TRAVEL CARE PROTECTION | 02

Comprehensive coverage
Summary of Benefits Silver Gold Platinum
Sum Insured (S$) Sum Insured (S$) Sum Insured (S$)

Section A: Personal Accident Benefits

1A. Accidental Death & Permanent Disablement

Covers the Insured Person in the event of Accidental Death
and Disablement.
200,000 300,000 500,000
1B. Enhanced Accidental Death Cover due to a Terrorist Act
Additional 15% of sum insured for accidental death due to a
Terrorist Act, up to S$75,000.

2. Accidental Burns Benefit

Covers the Insured Person for serious burns in the event of 200,000 300,000 500,000
an Accident.

3. Fracture Benefit
Pays for fractures suffered in an Accident. Payout will be in 3,000 4,000 5,000
accordance with the Schedule of Compensation.

4. Child Education Fund

Pays a lump sum education fund in the event the Insured 25,000 25,000 25,000
Person suffers a loss of life due to an Accident.

5. Common Carrier Cover

Covers the Insured Person in the event of Accidental Death 20,000 30,000 50,000
while travelling in a public transport.

6. Comatose State
Pays a lump sum in the event the Insured Person is in a coma
20,000 30,000 50,000
within 30 days of the date of the commencement of the
Injury due to an Accident.

Section B: Medical Related Expenses Benefits

7. Medical Expenses
Covers Medical Expenses incurred as a result of Injury or 200,000 300,000 500,000
Sickness whilst travelling.

8. Return Expenses
Covers Medical Expenses incurred for treatment or 20,000 30,000 50,000
follow-up treatment in Singapore up to 60 days.

9. Treatment by Traditional Chinese Medicine (TCM)

Covers Traditional Chinese Medicine expenses incurred whilst
overseas and follow-up treatment in Singapore within 60 days
500 750 1,000
of return to Singapore. If no Traditional Chinese Medicine
treatment was sought overseas, Insured Person must seek
such treatment within 10 days of return to Singapore.

10. Daily Hospital Benefit

Pays S$200 for every 24 hours the Insured Person is 6,000 8,000 10,000
hospitalised overseas.

11. Overseas Compassionate Visit

Pays incidental expenses for the visit by an immediate
6,000 8,000 10,000
family member or friend if the Insured Person requires
hospitalisation for more than 5 days whilst overseas.

12. Emergency Medical Evacuation

Covers all Emergency Medical Evacuation expenses arranged as charged as charged as charged
by the Company or its authorised representative.
03 | PROTECTION AIA GROUP TRAVEL CARE

Summary of Benefits Silver Gold Platinum

Sum Insured (S$) Sum Insured (S$) Sum Insured (S$)

13. Repatriation Expenses

Covers all Repatriation Expenses incurred in returning the
as charged as charged as charged
mortal remains of the Insured Person, to Singapore, arranged
by the Company or its authorised representative.

14. Direct Repatriation Expenses

Covers all Direct Repatriation Expenses incurred in
returning the mortal remains of the Insured Person, as charged as charged as charged
to his/her Home Country arranged by the Company or
its authorised representative.

Section C: Travel Inconvenience Benefits

15. Travel Delay including Bomb Threat

Pays S$250 for each 6 full consecutive hours of delay up to 1,000 1,000 1,000
specified limit whilst overseas or in Singapore.

16. Trip Curtailment Expenses

Covers additional travel or accommodation expenses or board 5,000 8,000 10,000
incurred or forfeited after the commencement of the Trip.

17. Trip Rearrangement Expenses

Covers reasonable travel or accommodation expenses
incurred by Insured Person to return to the place or 5,000 8,000 10,000
country within 90 days at which the original Overseas Trip
was curtailed.

18. Trip Cancellation Expenses

Covers loss of irredeemable travel and accommodation
5,000 8,000 10,000
expenses paid in advance and occurring up to 30 days
prior to departure.

19. Travel Misconnection Expenses

Covers expenses incurred as a result of misconnection
1,000 1,000 1,000
scheduled conveyance for at least 6 consecutive hours,
pays S$200 for each full 6 continuous hours of delay.

20. Flight Overbooking

Pays S$200 in the event you fail to board the scheduled
flight due to overbooking although you have a confirmed 200 200 200
reservation from the airline and no alternative transport
is made available within 6 hours.

21. Flight Diversion

Pays S$200 for each 6 full consecutive hours if your flight
has been diverted to another destination whilst overseas 1,000 1,000 1,000
due to adverse weather conditions, bomb threat and other
insured perils.

22. Employee Replacement Expenses

Pays the cost of sending out a replacement employee to 5,000 5,000 5,000
continue the business trip.

23. Baggage Delay

Pays S$250 for each full 6 consecutive hours that the
1,000 1,000 1,000
Insured Person’s baggage is delayed whilst overseas or
upon arrival in Singapore.
 AIA GROUP TRAVEL CARE PROTECTION | 04

Summary of Benefits Silver Gold Platinum

Sum Insured (S$) Sum Insured (S$) Sum Insured (S$)

24. Loss or Damage of Personal Baggage and Property

Covers loss or damage to baggage, clothing, personal effects
2,000 3,000 5,000
and golfing equipment (Max. S$1,000 for any one article or
pair or set of articles).

25. Loss of Personal Money and Travel Documents including

Credit Card Fraud
Pays the Insured Person’s travel and hotel expenses including 2,000 3,000 5,000
cost of obtaining replacement passports, travel tickets and
other relevant travel documents. Applicable limits apply.

26. Replacement of Keys and Lock

300 300 300
Pays the cost of key and lock replacements following a loss.

27. Hijacking
Pays S$750 for every 24 hours the Insured Person is delayed 10,000 10,000 10,000
due to an act of Hijacking.

28. Kidnap
Pays S$750 for every 24 hours the Insured Person 10,000 10,000 10,000
is Kidnapped.

29. Credit Card Indemnity

Pays the outstanding credit bill incurred during the Trip
5,000 5,000 5,000
in the event of an Accidental Death or Disablement of the
Insured Person during the Trip.

Section D: Other Benefits

30. Legal Fees

Pays the legal costs and expenses incurred as a result
of dealing with claims for compensation against a third 15,000 15,000 15,000
party causing the Insured Person’s Accidental Death or
Disablement during the Overseas Trip.

31. Bail Bond Facility

Provides assistance in arranging a bail bond if the Insured 15,000 15,000 15,000
Person is arrested following a road accident during a Trip.

32. Personal Liability

Covers the Insured Person against liability to third parties
1,000,000 1,000,000 1,000,000
for their Accidental Death or Injury or Accidental loss or
damage to their property caused by his/her negligence.

33. Vehicle Excess Waiver

Covers the insurance excess payment on the vehicle hired 500 500 500
by the Insured Person whilst on an Overseas Trip.

34. Emergency Telephone Charges

Covers the mobile telephone charges for contacting
200 200 200
AIA Singapore or its authorised representative on medical
related services.

35. Funeral Expenses

Covers the funeral expenses of the Insured Person following 2,000 2,000 2,000
an Accidental Death.
 AIA GROUP TRAVEL CARE PROPOSAL FORM

WARNING: In accordance with Section 25(5) of the Insurance Act, as may be amended from time to time, you are to fully and
faithfully disclose in this Application Form all facts which you know, or ought to know, failing which you may receive nothing
from the policy and/or the policy issued may be void.

SUBMISSION DOCUMENTS REQUIRED

 Group Corporate Travel Proposal Form (Total of 4 pages)
 ACRA/Bizfile (Latest copy of not more than 12 months old)
 MAS 314 (Form) List of Authorised Signatories and Beneficial Owners*
 Excel Template for Members Census Reporting*

* Forms can be downloaded from https://eben.aia.com.sg/en/my-aia/login/information-library.html

Click on Administration > MAS 314 List of Authorised Signatory and Beneficial Owners
Click on Administration > Excel Template for Member Census Reporting

COMPANY PARTICULARS

Name of Company (herein the policyholder):

Nature of Business:

Mailing Address: Postal Code:

Authorised Person In Charge:

Contact Details: Office/Fax No.:

Mobile No.:
Email Address:

Total Number of Employees:

COMMENCEMENT OF INSURANCE COVERAGE

(DD/MM/YYYY)
Effective Date:

OPTIONAL BENEFITS TO AIA GROUP TRAVEL CARE

AIA Vitality Membership (S$48 per year per insured Member) Employee Only Employee and Spouse

Page 1 of 4
 GROUP TRAVEL CARE BASIS OF COVERAGE

Please indicate the classification of employee and selected Group Travel Care Plan, Plan Type and Geographical
Zone in the below table.

Classification of Employee Group Travel Care Plan Plan Type Geographical Zone
e.g. All Directors Only/ Silver/Gold/ Business Only/ Regional/
All Managers Only Platinum Business & Leisure Worldwide

MODE OF PAYMENT

 Cheque to be made payable to “AIA Singapore Private Limited”

Bank/Cheque No.: ________________________________________________ Amount S$: ____________________

 Payment by Credit Card Amount S$: ____________________

Name of Cardholder (as printed on card): _____________________________________________________________

Type of Card: Visa  Mastercard  Amex 

Credit Card Number:

Card Expiry Date: MM YY

Note: For Visa/Mastercard, the Cardholder must be “Director” as stated in the company’s ACRA. For Amex, only corporate
cards starting with “3762” and “3769” are allowed. No third-party credit card is allowed.

Page 2 of 4
 CARDHOLDER’S AUTHORISATION
1. I, the Cardholder identified on this form hereby authorise AIA Singapore Private Limited (“AIA Singapore”) to charge the
aforesaid card and the issuer of the said card to pay the premium due under this application, including any additional
premiums payable after the submission of this application.
2. I hereby authorise, agree and consent to AIA Singapore to use and/or disclose any information collected and/or held
(whether contained in this form or otherwise obtained) to its associated individuals/organisations and/or independent
third parties, within or outside Singapore with regard to any matters pertaining to this form/aforesaid Policies. I hereby
specifically waive any right to bring a claim of any nature against AIA Singapore, its associated individuals/organisations
and/or independent third parties within or outside Singapore, in respect of any above-mentioned disclosure and/or any
disclosure in the nature described above.
3. Should payment not be successfully effected pursuant to this authorisation for any reason, AIA Singapore shall under
no circumstances be held responsible or liable in any manner whatsoever including any subsequent expiry of the policies
due to late or non-payment of premiums.
4. This authorisation shall be binding and remain valid, notwithstanding death of the Cardholder, irrespective whether or
not this form/aforesaid policies are accepted by AIA Singapore. A photocopy of this authorisation shall be effective and
valid as original.

_______________________________________ _________________________
Cardholder’s Signature (as per Credit Card) Date (DD/MM/YYYY)

TERMS AND CONDITIONS

The Applicant hereby agrees and declares, on behalf of itself and any other person of persons, firm or corporation, who may
have or claim any interest in any insurance on this Application:
1. No statement, information or agreement made by/to or given by/to the person soliciting/taking this Application or any other
persons, shall be binding on AIA Singapore Private Limited (“AIA”), unless presented to AIA in writing and approved by an
authorised officer of AIA.
2. The statements and answers contained in this Application, together with those contained in any required form including
enrolment form, questionnaire or amendment of the Applicant, the statements and answers of the Applicant’s employees
and their dependants contained in any required form, or medical report, and any required supporting documents
(collectively the “Information”) are full, complete, true and correct and that no Information has been withheld. The
Applicant further agrees that the Information shall form the basis of the contract between the parties hereto, and that the
Information together with the group policy (including without limitation its riders, endorsements and any amendments
thereto) shall constitute the entire contract between the parties. The Applicant understands that if any of the Information
is not full or complete or true or correct, the group policy issued hereunder may be void and the
Applicant/policyholder/employee/dependant as the case may be, may receive nothing from the group travel policy.
3. AIA shall assume no liability whatsoever and the group policy will only be effective after this Application and required
forms, questionnaires or amendments have been completed by the Applicant, and its employees and their dependants,
with the Application being accepted by AIA and the first premium fully paid for.
4. I/We hereby authorise, agree and consent to:
a) Persons and organisations, whether within or outside Singapore, including but not limited to medical sources, hospitals,
doctors, other healthcare professionals, laboratories, regulator, dispute resolution centres and insurers, their
associated person/organisations, my/our or the insured person’s
employers or financial service providers, or their third party service providers or representatives
(collectively “Third Parties”) disclosing and releasing to AIA, its associated
persons/organisations, its and their third party service providers and its and their representatives, whether within or
outside Singapore (collectively “AIA Persons”), any information concerning the policy owner and the insured person(s)
at any time, including all personal data and information, medical information, medical history, consultation history and
notes, prescriptions, treatments, descriptions of medical services rendered, and any employment and financial information,
including the taking of copies of such records (collectively “Personal Data”), relevant for the Purpose (defined below);
b) the AIA Persons sharing the scope of sub-clause (a) above, along with any of the Personal Data, with any relevant Third
Parties to procure their disclosure and release of additional relevant Personal Data for the Purpose;
c) the AIA Persons, including their approved medical examiners or laboratories, performing any necessary medical
assessments and examinations and tests to determine, assess and evaluate the health of the insured person(s);
d) the AIA Persons collecting, using, disclosing, storing, retaining and/or processing (collectively, “Using”/”Use”) the
Personal Data for the Purpose; and
e) waive any right (on my own behalf of the insured person(s) where applicable, in respect of which I/we represent and
warrant that the insured person(s) have granted me/us authority to so waive) to bring a claim of any nature against any

Page 3 of 4
 TERMS AND CONDITIONS (Continued)
Where I/we are not the insured person, I/we represent and warrant that I/we have obtained the consent of the insured
person(s), expect to the extent such consent is not required under relevant laws: (i) to collect their Personal Data; (ii) to
disclose their Personal Data to the AIA Persons; and (iii) for the AIA Persons and Third Parties to Use any of their Personal Data
in the manner and for the purposes described in this Clause. I/We hereby agree to indemnify AIA Persons for all losses and
damages that AIA Persons may suffer in the event that I/we are in breach of any representation and warranty provided by
me/us herein. In this Clause, “Purpose” means any of the purposes described in the AIA Personal Data Policy, including but not
limited to processing of this form, to provide subsequent advice or services to me/us or the insured person in relation to any
existing or future policy/policies/programmes that I/we may hold/participate with AIA. This authorisation shall bind my/our
successors and assignees, and remains valid, notwithstanding death, irrespective of whether or not my/our Application/form is
accepted by AIA. A photocopy of this authorisation shall be valid and effective as the original.
5. The Applicant is not insolvent, or is unable to pay its debts as they become due, or making any assignment or arrangement
for the benefit of its creditors, or is ceasing or threatening to cease to carry on its business.
6. AIA is entitled not to accept or process this Application or accept an employee or dependant under the group policy should
the Applicant or such employee or dependant be found to be a Prohibited Person, meaning a person/entity (including any
director or direct/indirect shareholder or person having executive authority therein) subject to any laws, regulations and/or
sanctions administered by any regulatory authorities in any country, which have the effect of prohibiting AIA from providing
insurance coverage, transacting business with or otherwise offering any economic benefits to the Applicant/policy owner
or such employee or dependant or any other beneficiary under the group travel policy, and the decision of AIA shall be final.
7. In the event AIA becomes aware subsequently that the Applicant/policy owner/insured employee/insured dependant has
become a Prohibited Person, AIA may block and/or terminate the relevant policy, and/or remove such insured employee or
insured dependant from coverage under the group policy with immediate effect, and shall not thereafter be required to
transact any business with the Applicant/policy owner/insured employee/insured dependant or any other beneficiary in
connection with the group policy, including but not limited to, making or receiving any payments under the group policy.
The Applicant/policy owner, as an entity, also agrees as an ongoing obligation to notify AIA in writing as soon as possible of
any change in its directors or direct/indirect shareholders or persons having executive authority therein.
8. By signing this Application, the Applicant confirms that AIA Financial Services Consultant/Insurance Representative has
solicited insurance business from the Applicant in the Republic of Singapore and that the signing of this Application has
taken place in the Republic of Singapore.

WARNING: If a material fact is not disclosed in this Application, any insurance coverage issued to you may not be valid. If you are
in doubt as to whether a fact is material, you are advised to disclose it. This includes any information that you may have provided
to the AIA Financial Services Consultant(s)/Insurance Representative(s) but was not included in this Application. Please check
to ensure you are fully satisfied with the information declared in this Application. Additionally, and without prejudice to the
parties’ rights and obligations whether under law or otherwise, following the submission of this Application, you must continue
to disclose any and all material facts that may arise or which have changed from the information you had provided.

Authorised Signatory & Company Stamp NRIC/FIN No. Date (MM / DD / YYYY) Designation

AIA Financial Services Consultant’s (FSC) / Insurance Representative’s Details

FSC’s Details Insurance Representative’s (Broker/ For Official Use
Financial Advisor’s) Details
Name of FSC:
Policy Number:
HP No.: Name of Broker/Financial Advisor (FA):

Agency & FSC Code:

FSC RNF Code: Financial Institution:

Approval:
Name of Agency: SP-:

Alexandra # Tampines #
HP No.:
I declare that I have the following Certifications

(please tick where applicable):

Signature of Broker/FA:
BCP, PGI
Date:
Signature of FSC:

Date:

FSC Supervisor’s Details

Name of FSD/FSAD/FSM/AM:

Agency & FSD/FSAD/FSM/AM Code:

FSD/FSAD/FSM/AM RNF Code:

Page 4 of 4
 AIA Singapore

Corporate Solutions
3 Tampines Grande
AIA Tampines, #07-00
Singapore 528799
F : (65) 6538 5603 / 6538 4340

AIA.COM.SG

Real change to health begins at

AIAVitality.com.sg
This form is to be completed by Policyholders of Employee Benefits insurance policies.

Date: __________________________

Company / Policyholder Name: ____________________________________________________________________________

IMPORTANT: It is compulsory to complete the sections below and to provide the requested documents, in compliance
with MAS Notice 314 - Prevention of Money Laundering and Countering the Financing of Terrorism.

Please ensure that relevant documents are attached and the sections below are duly completed.

1. A copy of the most recent ACRA search report to verify the legal existence of the policyholder and showing information
on its directors and shareholders/owners.
2. Information on beneficial owners of policyholder not disclosed in ACRA search report (if any).*
3. Information on the authorized signatories who sign the application form / insurance proposal acceptance form.
4. Information on natural persons having executive authority.
-------------------------------------------------------------------------------------------------------------------------------------------------------------------------

INFORMATION ON AUTHORIZED SIGNATORIES & NATURAL PERSONS HAVING EXECUTIVE AUTHORITY

“Natural persons having executive authority” in a company include the Chairman and Chief Executive Officer; for a partnership it
refers to the partner and/or manager.

Please provide the following details:

Full Name
Date of Birth
(including alias and/or former NRIC/Passport No. Nationality Designation
(DD/MM/YY)
name, if any)

I/We confirm that all information captured in this form is accurate and up-to-date. I/we will inform my financial consultant, broker
or AIA Singapore as and when there are changes to the authorized signatories, natural persons having executive authority,
shareholders/owners, beneficial owners and / or directors.

I/We understand and agree that AIA Singapore is entitled not to accept or process this application should I/we be found to be a
Prohibited Person, meaning a person or entity (including any director or direct / indirect shareholder or person having executive
authority or natural persons appointed to act on my behalf or my beneficial owners or beneficiaries’ beneficial owners therein)
subject to any laws, regulations and/or sanctions administered by any regulatory authorities in any country, which have the effect
of prohibiting AIA Singapore from providing insurance coverage, transacting business with or otherwise offering any economic
benefits to me/us or any other beneficiary under the relevant Policy, and the decision of AIA Singapore shall be final. I/We further
agree that in the event that AIA Singapore becomes aware subsequently that I/we have become a Prohibited Person, AIA
Singapore may block and/or terminate the relevant Policy, including but not limited to, making or receiving any payments under
the relevant Policy. As an ongoing obligation, I/we will immediately inform AIA Singapore if there are any changes to the identities,
status/constitution/establishment, particulars and identification documents of these persons.

__________________________________ _____________________________________________
Signature
Name & NRIC No of Authorized Signatory Company (Policyholder) Stamp

*Not applicable to companies listed on a stock exchange.

Page 1 of 1 CS-SM-MAR2016
AIA Singapore Private Limited (Reg. No. 201106386R)
IMPORTANT NOTES
• Eligibility: All full-time actively-at-work employees, directors, partners and proprietors are eligible, subject to AIA’s approval.
Maximum entry age of 69 (Age last birthday)
Renewable age up to 74 (Age last birthday)
Dependants of employees are also eligible for all coverage:
a) Spouse of an Insured Person.
b) Child of an Insured Person, provided such child is at least 2 weeks old and under 25 years of age, unmarried and unemployed.
• Policy is subjected to S$10 million coverage per conveyance.
• Maximum length of each Business trip is 183 days and Leisure trip is 90 days.
• For Standard Class 1 & 2 Risks only.
Class 1 Risks – Clerical, administrative or other similar non-hazardous occupations.
Class 2 Risks – Occupations where some degree of risk is involved, e.g. supervision of manual workers, totally administrative job
in an industrial environment.
• Group Travel is available to companies with a minimum of 3 to a maximum of 30 employees.
• Employee headcount less than 15 is on named basis, 15 employees or above can be administered on headcount basis.
• For benefits section 15., 16., 17., 21., for the same event, this Policy shall only pay for the claim from one of these Sections as
determined by AIA.
• Notwithstanding the payouts in each of the Sections above, the total payout by the Company on the Insured Person over the
Period of Insurance shall not exceed the specified limit applicable to the Selected Plan.
• Premium rates are not guaranteed and may be increased at policy renewal at the full discretion of the Company.
This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) (“AIA”). All insurance applications
are subject to AIA’s underwriting and acceptance. This is not a contract of insurance. The precise terms and conditions of this plan,
including exclusions whereby the benefits under your policy may not be paid out, are specified in the policy contract. You are
advised to read the policy contract.
Information is correct as at 1 May 2019. Protected up to specified limits by SDIC. This advertisement has not been reviewed by
the Monetary Authority of Singapore.

GENERAL EXCLUSIONS
The following shall not be payable under any Section of this Policy for loss or liability directly or indirectly arising as a result of:
1. Travel in, to, or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan or Syria;
2. An Insured Person being;
(a) A terrorist;
(b) A member of a terrorist organisation;
(c) A narcotics trafficker; or
(d) A purveyor of nuclear, chemical or biological weapons;
3. Loss of or damage resulting from wilful, malicious or unlawful act or negligence of the Insured Person;
4. Any act of War, act of a foreign enemy (whether declared or not), civil war, invasion, revolution, insurrection use of military
power or usurpation of government or military power;
5. Any action taken by any government authority including confiscation, seizure, destruction and restriction;
6. The Insured Person not taking all reasonable efforts to safeguard his/her property or to avoid Injury or minimise any claim
under the Policy;
7. Riding or driving in any kind of race, participating in any professional sports or in any sport whereby the Insured Person
would or could earn or receive remuneration, donation, sponsorship, award or certificate of any kind and air travel
(other than as a fare-paying passenger in any properly licensed private and/or commercial aircraft or other mode of
conveyance or transportation);
8. Pregnancy or childbirth, and any Injury or Sickness associated with pregnancy, childbirth or venereal disease;
9. Any illegal or unlawful act by the Insured Person;
10. Suicide or attempted suicide or intentional self-injury or provoked assault or intoxication or drugs;
11. The Insured Person employed on merchant vessels, engaging in naval, military, airforce or civil defence personnel or operations
or testing of any kind of conveyance or being employed as a manual worker or whilst engaging in offshore activities like diving
and oil-rigging or mining or aerial photography or handling of explosives or hazardous substances; and/or
12. Any pre-existing conditions unless the Insured Person has been continuously insured for the past 12 months under this policy
and/or a previous group travel insurance carrier in Singapore;
13. Sexually transmitted diseases AIDS, HIV infections and AIDS-related infections; and/or
14. Mental and nervous or sleep disorders, including but not limited to insanity;
15. Congenital Anomalies.
AIA Singapore Private Limited
(Reg. No. 201106386R)

Corporate Solutions
3 Tampines Grande, AIA Tampines, #07-00
Singapore 528799
aia.com.sg

TM4400001 (05/2019 07/2019 09/2019)