| Loss of Baggage & Personal Effects Covers loss or damage to baggage, clothing, personal effects, Golfing Equipment and portable Personal Computers.  
 This benefit includes a sub-limit of up to SGD 500 for any one article or pair or set of articles; and up to SGD1,000 for Valuables including Golfing Equipment and Personal Computers. 
 Baggage Delay Pays SGD 200 if the Traveller's baggage is delayed for more than 12 consecutive hours. 
 Loss of Travel Document Covers the costs incurred to replace travel documents that were lost of stolen during the journey. 
 Theft of Personal Money Covers cash that has been lost during the Journey due to theft. 
 Travel Delay Pays SGD 100 for each complete, consecutive 12 hours of delay. 
 Travel Misconnection Covers expenses incurred as a result of the misconnection of an aircraft, train or cruise-liner. 
 Flight Overbooking Covers additional expenses such as hotel accommodation and meals if the Traveller is unable to board their flight due to overbooking and no alternative flight can be provided within 12 hours. 
 Trip Cancellation Covers for lost deposits and cancellation fees for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you or which are outside of your control. 
 Trip Curtailment Covers additional travel or accommodation expenses incurred or forfeited after the commencement of the Trip. 
 Personal Liability Covers the Traveller against liability to third parties or damage to their property caused by his/her negligence. |