STI FAQs
STI FAQs
STI FAQs
CONTENTS
INSURANCE COVERAGE .............................................................................................................................................. 3
1. Which of my trips will be covered by the NUS Annual Student Travel Insurance Policy? ................................................ 3
2. What is the definition of NUS Students? .......................................................................................................................... 3
3. What is the end date of Student’s candidature with NUS? .............................................................................................. 3
4. How do I get my trips covered by NUS?............................................................................................................................ 3
5. What do I have to do to be covered under the NUS Student Travel Insurance? .............................................................. 3
6. What are the benefits & exclusions? ................................................................................................................................ 3
7. If I go for multiple trips within a year, will I still be covered by the travel insurance policy? ........................................... 4
8. If I am going for a leisure / home trip, am I covered by this travel insurance policy? ...................................................... 4
9. What is Personal Deviation and is there cover for Personal Deviation (PD)? ................................................................... 4
10. Is there any restriction if I travel out of my host country during the term of my Official Trip and will I be covered? ..... 5
11. After my Official Trip, I may want to return to my Home Country for good instead of coming back to Singapore. Will I be
covered?............................................................................................................................................................................ 5
12. My host university requires me to provide proof of Health Insurance; otherwise I am required to take up additional
insurance as provided by my host university. Will NUS be able to furnish me with this proof of insurance? ................ 5
13. I need to apply for Visa and they require me to show proof of my travel insurance. Likewise, I also need proof of
insurance to apply for residence permit in the country I am going to. How do I go about getting this proof? ............... 5
14. My travel dates are not confirmed as yet. I may consider taking a short holiday after my official trip but these are not
fixed yet. What dates should I indicate under the “Certification for Visa/Permit Application Form”? ........................... 6
15. The current period of insurance is up till 30 June (renewable every year), but my trip goes beyond this date. How do I go
about to get a COI that goes beyond 30 June? ................................................................................................................. 6
16. Can I purchase a higher limit for the Medical Expenses benefit under this Student Travel Policy? ................................. 6
17. If I am going overseas to represent NUS in sports or sporting activities, will I be covered? ............................................ 6
18. Can I stay in any class of ward in the hospital? ................................................................................................................. 6
19. Will I be covered if I seek TCM treatment? ....................................................................................................................... 6
20. Are dental and optical expenses covered? ....................................................................................................................... 7
21. Does this insurance extend to cover damage to rental vehicles or liability to third parties arising from the use of the rental
vehicle? ............................................................................................................................................................................. 7
22. Does this insurance cover for travel cancellation/curtailment/ rearrangement/postponement due to airline
bankruptcy/insolvency? .................................................................................................................................................... 7
23. I will graduate mid-term during my Official Trip. Will I still be eligible for cover under this insurance? ......................... 7
24. Are there any countries excluded from coverage? ........................................................................................................... 7
25. Under what circumstances will “Travel Delay” be triggered? .......................................................................................... 7
26. Under what circumstances will “Travel Misconnection” be triggered? ........................................................................... 8
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27. Under what circumstances will “Cancellation/ Curtailment/ Rearrangement/ Postponement be triggered? ................ 8
28. If I have multiple flights and delay during my trip, can I claim for all the delays ? ........................................................... 9
29. Is claims arising/related to CoVID19 covered under the NUS Student Travel Insurance? ................................................ 9
30. Am I covered if NUS recall me back from my overseas trip because of CoVID19? ......................................................... 10
31. Where can I view the full policy documents? ................................................................................................................. 10
INSURANCE CLAIMS ......................................................................................................................................................... 11
32. How do I submit claims? ................................................................................................................................................. 11
33. What is the Time Frame for Submitting Claim? .............................................................................................................. 11
34. How are claim payments reimbursed to claimants?....................................................................................................... 11
35. What is the processing time for insurance claim? .......................................................................................................... 11
36. If I have purchased more than 1 travel insurance policy, can I still make a claim under this insurance? ...................... 11
37. If I suffer from pre-existing medical conditions – can I claim? ....................................................................................... 11
38. What should I do it I lose my personal property, money or travel documents? ............................................................ 11
39. What is the excess for this insurance cover? .................................................................................................................. 12
40. How much will I be indemnified if I lose my Personal Property/ Baggage?.................................................................... 12
41. For Personal Liability Claims – what should I do if I accidentally damage Third Party Property or injure a Third Party 12
42. Will the Policy pay for costs of medication purchase from the Pharmacy in overseas countries? ................................ 12
43. If I need to be admitted into a Hospital because of a medical condition, can the Insurer pay the medical expenses on my
behalf? ............................................................................................................................................................................ 12
44. If I am unwell, which are the clinics or hospitals that I can visit? ................................................................................... 13
45. Who do I call in the event of any emergency when I am overseas? ............................................................................... 13
CONTACT DETAILS............................................................................................................................................................ 14
46. Who do I contact for insurance claim & related issue? .................................................................................................. 14
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INSURANCE COVERAGE
1. Which of my trips will be covered by the NUS Annual Student Travel Insurance Policy?
All students travelling overseas for activities or purposes approved, endorsed, organized, sponsored or authorised by
NUS will be covered by the NUS Student Travel Insurance Policy. Such trips shall be referred to as “Official NUS Student
Trips” in short for purpose of this policy. Trips must commence and end in Singapore** and shall not exceed 730 days in
all (inclusive of 60 cumulative days of Personal Deviation immediately before, during and/or after an Official NUS Student
Trip)
** For Students who choose to go back to Home Country after an Official Trip with no intention of returning to Singapore,
this travel insurance will terminate upon utilization of the 60 days personal deviation or upon their arrival at their home
town whichever occurs first.
For the purpose of the travel insurance policy, “Students” have been defined as “Persons who have been registered,
enrolled, admitted or accepted into any programs, activities, courses or classes offered, conducted or administered by
the University and who travel overseas on or for activities or purposes approved, endorsed, organised, sponsored or
authorised by NUS.”
The Conferment Date will be the official end to Students’ candidature with NUS.
Students to ensure that trips are approved, endorsed, organised, sponsored or authorised in writing by the relevant
approving authority in the Faculty / Department / Centre / Program for such official NUS student trips. Students/
Departments are to keep proper record of the approval / endorsement for the Official NUS Student Trips and also Date
of Departure from Singapore and Arrival to Singapore as this will account for the Personal Deviation.
Students are required to submit these proofs in the event of claim submission to the insurers.
Cover is automatic as long as you are a NUS Student and travelling overseas for activities or purposes approved,
endorsed, organized, sponsored or authorized by NUS and leaving from Singapore.
For more details, please refer to “Summary of Policy Cover” found on NUS Student Portal.
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7. If I go for multiple trips within a year, will I still be covered by the travel insurance policy?
Yes. There is no limit in the number of trips which you may make during the year, but it must be for an NUS endorsed
activity, i.e. “Official NUS Student Trip”;
“Per Trip” has been extended to not exceeding 730 days (inclusive of 60 days Personal Deviation).
8. 8. If I am going for a leisure / home trip, am I covered by this travel insurance policy?
No, this policy covers only NUS endorsed and authorized trips; pure leisure / home trips are not covered.
If you are going for home leave that immediately connects to an Official Student Trip, this can be covered subject to
adequacy of the personal deviation as allowed under the policy, i.e. 60 days or as extended at additional premium.
The duration whilst you are in your home country will be deemed as personal deviation.
9. 9. What is Personal Deviation and is there cover for Personal Deviation (PD)?
Personal Deviation (PD in short) refers to trips taken for personal vacation.
This can take place during the course of the Official Trip (i.e. immediately before, during & after the Official Trip), up to a
max. of 60 cumulative days.
In the event if you require extension of PD beyond 60 days, you are required to declare such trips prior to departure from
Singapore, with payment of the appropriate additional premiums. Please provide the following information for purpose
of this declaration:
Example:
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Personal Deviation allowed under policy: 60 days
Total No. of Personal Deviation days: 69 (exceeded by 9 days)
The 60 days allowed under the policy will be fully utilized by 25 Oct 2019
There will be no insurance cover from 26 Oct 2019 onwards unless the PD extension is purchased and premium
paid up. (Premium applicable is S$20 for the additional 9 days of PD)
10. Is there any restriction if I travel out of my host country during the term of my Official Trip and
will I be covered?
There is no territorial restriction. You can travel anywhere in the worldwide except to the “excluded” countries.
11. After my Official Trip, I may want to return to my Home Country for good instead of coming
back to Singapore. Will I be covered?
The intention of this policy is to provide cover for Students departing from and returning to Singapore. If Students decide
to return to Home Country for good instead of returning to Singapore, this insurance will terminate upon the expiry of
the personal deviation period as allowed under policy or upon the Insured Person arriving at his home town in the Home
Country whichever is earlier.
12. My host university requires me to provide proof of Health Insurance; otherwise I am required
to take up additional insurance as provided by my host university. Will NUS be able to furnish
me with this proof of insurance?
Yes, we can request insurers to issue you with a Certificate of Insurance (COI) which will reflect your name and your travel
details as well as a summary of the benefits covered under the Policy. You can submit the COI to the host University for
their consideration to waive the additional insurance requirement.
13. I need to apply for Visa and they require me to show proof of my travel insurance. Likewise, I
also need proof of insurance to apply for residence permit in the country I am going to. How
do I go about getting this proof?
You can download the “Certification for Visa/Permit Application Form” from the Office of Finance Website and forward
the completed form to Marsh. Marsh will arrange for insurers to issue a Certificate of Insurance (COI) for your use. Please
refer to Marsh’s contacts indicated in the form.
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14. My travel dates are not confirmed as yet. I may consider taking a short holiday after my official
trip but these are not fixed yet. What dates should I indicate under the “Certification for
Visa/Permit Application Form”?
For the purpose of issuance of the COI, whether for application of Visa or Residence Permit or for submission to the host
university, tentative dates are fine as long as these are sufficient to meet the requirements of immigration or the host
university.
However, you will need to have firm travel dates to compute your total personal deviation days (taken outside of the
Official Trip) as the policy only provides free cover up to 60 days.
15. The current period of insurance is up till 30 June (renewable every year), but my trip goes
beyond this date. How do I go about to get a COI that goes beyond 30 June?
The COI effective dates will reflect the duration as per what is submitted in the declaration form. However, the validity
of the COI beyond 30 June will be subjected to the policy being renewed beyond this expiry. The COI will also have this
subjectivity reflected on it.
16. Can I purchase a higher limit for the Medical Expenses benefit under this Student Travel
Policy?
No. The benefits / limits under the NUS Student Travel Policy cannot be amended.
17. If I am going overseas to represent NUS in sports or sporting activities, will I be covered?
Yes, cover is granted for NUS overseas sporting events & tournaments. Do take note that there is no cover if students are
engaging in professional sports.
This insurance also does not extend to students who are representing Singapore or other third party organisations.
Yes, you may stay in any class of ward in hospital, but the actual room and board charges shall be restricted to a ward
category not higher than single-bedded, which is defined as a standard class single-bedded air-conditioned room. All
treatment must be prescribed by a Physician in order for expenses to be reimbursed under the Policy.
Yes, the policy provides for TCM treatment, subject to policy terms and conditions.
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20. Are dental and optical expenses covered?
Dental and optical expenses are not covered unless these are as a result of an accident.
21. Does this insurance extend to cover damage to rental vehicles or liability to third parties
arising from the use of the rental vehicle?
The policy only covers for Rental Vehicle Excess up to the Policy Limit.
No, the policy ONLY covers for situations arising/as a result of “Specified Causes”. Please refer to Q27 more details.
23. I will graduate mid-term during my Official Trip. Will I still be eligible for cover under this
insurance?
If you are still a registered Student of NUS at the time you leave Singapore for an Official Trip, you will be covered for the
trip, subject to terms and conditions of the policy.
Yes. US/UN/EU sanctioned and/or war zone countries are excluded. Some of the excluded countries are listed below: -
Insurer can consider on a case-to-case basis to cover Students on Official NUS Student Trips who are travelling to some
of these “excluded” countries. To enable Insurer to obtain sanction clearance for travel to the excluded countries, please
complete the “Travel Declarations for Student to Excluded Countries” Form, rendering the preliminary details for Insurer’s
consideration.
Any change in the details of travel will have to be subject to separate sanction clearance even though underwriters may
have consented to the earlier details, failing which there will no insurance cover for the trips to the excluded country.
Travel delay claim will trigger under the following circumstances only:
If the Common Carrier which the Insured Person has arranged to travel on is delayed for more than 6 hours from the
specified time in the itinerary, due to:
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a) Strike/Industrial action;
b) Adverse Weather Conditions;
c) Civil Commotion;
d) Terrorism, Bomb Threats;
e) Natural Catastrophe (Hurricane, Typhoon, Earthquake or Tsunami)
f) Mechanical breakdown/derangement of that common carrier; or
g) Grounding of an aircraft as a result of mechanical or structural defect.
If during the period of insurance, whilst the Insured Person is on a trip, the Insured Person misses a connecting flight due
to:
no alternative transportation is made available by the Public Conveyance to the Insured Person within 6 hours of the
scheduled departure of the flight.
Insurer will pay up to the benefit amount as shown in the policy schedule.
Cancellation
If during the period of insurance, an Insured Person is forced to cancel a planned trip prior to the commencement of the
planned trip as a result of a “Specified Cause” occurring within 30 days of the planned trip, the policy will indemnify in
respect of the Cancellation Expenses up to the policy limit.
Cancellation Expenses refer to loss of deposits, or charges for advance payments for travel or accommodation or other
charges which have not been or will not be used, but which become forfeit or payable under contract.
Curtailment Expenses refer to loss of deposits, or charges for advance payments for travel or accommodation or other
charges which have not been or will not be used, but which become forfeit or payable under contract and additional
travel and accommodation expenses resulting from a Specified Cause.
Rearrangement Expenses mean all reasonable costs incurred in transporting the Insured Person to complete the Study
Trip where it is commercially reasonable for him to do so provided that such costs shall be limited to economy fare travel
and other essential expenses in transportation of the Insured Person to the point at which the original study trip was
curtailed. The Study trip must be continued within six months of the original curtailment.
Postponement
1. If during the period of insurance, an Insured Person’s Journey is postponed due to any of the following occurring within
30 days before the departure of the planned trip:
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2. If, during the period of insurance, a Journey is postponed due to the following occurring within one week before the
departure of the Journey:
a) Insured Person’s residence or usual place of employment in his Country of Residence becoming uninhabitable
resulting from fire, storm, flood, theft, subsidence or malicious damage occurring within one week before the
departure date and which requires the Insured Person to be present at the premises on the departure date
“Specified Cause” means any of the following, affecting the Insured Person:
Death or bodily injury or sickness rendering Insured Person unfit to travel;
Death of a close relative or a close business associate or bodily injury or sickness of such person necessitating him
to be confined to a hospital;
Compulsory quarantine, jury service, subpoena or Hijack;
Unexpected Strike, Riot or Civil Commotion, Terrorism, adverse weather or Natural Catastrophe arising out of
circumstances beyond the control of the Insured;
The Insured Person’s residence or usual place of employment in the Country of Residence becoming uninhabitable
resulting from fire, storm, flood, theft, subsidence or malicious damage.
Insurers will pay up to the benefit amount, for the resulting change fees or rebooking fee.
28. If I have multiple flights and delay during my trip, can I claim for all the delays ?
You may file a claim for all the travel delay you encounter during the trip. However, the maximum benefit limit is at S$500.
Therefore, if you’re within your first flight the S$500 limit is exhausted, your subsequent flights will be self-insured.
29. Is claims arising/related to CoVID19 covered under the NUS Student Travel Insurance?
Concerning CoVID19, the following coverage are relevant and accurate as at 28 Feb 2023.
For the return treatment, the policy condition on the duration and amount claimable still applies.
Return Treatment :
a) If medical treatment had been sought Overseas, the Insured Person has up to a max of 60 days upon return to Singapore
to continue treatment, or up to a max of S$12,500/-, whichever occurs first;
b) If medical treatment had not been sought Overseas, the Insured Person must seek medical treatment within 7 days from
date of return to Singapore and thereafter up to 30 days to continue medical treatment in Singapore or up to a max of
S$12,500 whichever occurs first.
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3) Covid-19 Out of Pocket Inconvenience Expenses
If whilst on a study trip, the Insured Student returns a positive PCR COVID-19 test, the policy will pay the Insured Student
a fixed amount of SGD350 to cover any out of pocket expenses that result from a curtailed or altered itinerary caused by
the positive COVID-19 result. This is in addition to the payout under 'trip cancellation / curtailment / rearrangement /
postponement.
30. Am I covered if NUS recall me back from my overseas trip because of COVID19?
Scenario 1: Student return to Singapore after receiving the recall notice by NUS.
If the student is down with Covid-19 and is recalled back, the policy will respond to the claim as Covid-19 is deemed as a
specified cause. If the student is recalled back due to the rising number of Covid-19 cases in the country in which the
student is having his/her study trip, any expenses incurred will not be covered as this is not deemed as a specified cause.
Scenario 2: Student return to Home Country instead of Singapore after receiving the recall notice by NUS.
It is not covered if student opts to return to home country upon the recall. Policy provides coverage to home country only
if the student has completed his/her study trip.
To view a copy of the full policy documents, you can access it from the NUS Student portal.
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INSURANCE CLAIMS
32. How do I submit claims?
As soon as possible after the occurrence or within 30 days upon return to Singapore. Please submit your claim online via
www.chubbclaims.com.sg, we do not need original bills to be submitted but you have to retain those bills for 3 years in case
there is any audit.
There are 2 modes of payment, either as Electronic Bank Transfer, or by cheque settlement (only for those with no Singapore
bank account).
Cheque will be mailed to a Singapore address provided by the claimant. Claimant is required to select the mode of payment
by indicating it in the Claim Form. All payments will be made in SGD.
Upon receipt of ALL supporting documents, insurer will take about 14 to 21 working days to process the claim. For the more
complicated cases, a longer duration is expected.
36. If I have purchased more than 1 travel insurance policy, can I still make a claim under this
insurance?
If you have more than 1 travel insurance policy, the claim will have to be submitted under your other policy first; NUS
insurance policy will only come in when your other policy is insufficient.
However, if Accidental Death & Permanent Disablement claim is involved, both policies will be triggered.
Yes. Policy covers for Pre-existing Condition up to the limit of S$3,000. Congenital anomalies are permanent exclusions in
the policy.
You will need to file a report with the local police or the transport carrier (if loss happened in the airport) or the local
branch or agent of the issuing authority (in the case of travel documents) within 24 hours of discovery.
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39. What is the excess for this insurance cover?
a) If item is less than 2 years old at date of loss, Insurer will pay the replacement cost of a similar item;
b) If the age of the lost or damaged items is more than 2 years or Insured cannot prove its age, the reimbursement will be
on a basis of original purchase cost less depreciation or the cost of repair whichever is lower.
c) Do note policy has a capping of up to S$500/- any article or pair-set of articles.
41. For Personal Liability Claims – what should I do if I accidentally damage Third Party Property or
injure a Third Party?
42. Will the Policy pay for costs of medication purchase from the Pharmacy in overseas countries?
The Policy will cover medications purchased from pharmacies if prescribed by medical practitioners following a
consultation for a sickness or injury sustained whilst you are on an official overseas trip. Hence, in your claims
submission, your claim for the medical consultation should be submitted together with the receipt for the medications
purchased from the Pharmacy, so that underwriters can relate the expenses. A copy of the prescriptions given by the
medical practitioners should also be attached.
43. If I need to be admitted into a Hospital because of a medical condition, can the Insurer pay the
medical expenses on my behalf?
Medical Expenses Claims are on reimbursement basis, i.e. The Insured Persons will have to pay all bills first and then seek
Insurer’s reimbursement.
Insurers do not undertake any payment on behalf of the Insured Person and they also do not issue Letters of Guarantee
to the Hospitals.
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44. If I am unwell, which are the clinics or hospitals that I can visit?
Please utilize the ISOS Assistance App alternatively you can call ISOS Hotline No.: +65 6338 7800 for assistance.
Please utilize the ISOS Assistance App, alternatively you can call: ISOS Hotline at Tel: (65) 6338 7800 (24/7)
Student/ Informant to furnish the following information when contacting ISOS:
Student Name :
Identification No.
Contact No.
Name of Programme Student is enrolled on
Policy No. 92326313
Policy Period 01 July 2022 - 30 June 2023
Location
Nature of Assistance Required
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CONTACT DETAILS
(A) For claims submission, please contact Chubb Insurance Singapore Limited:
Mailing Address:
138 Market Street, #11-01, CapitaGreen, Singapore 048946
Claims Hotline:
+65-6299-0988
Please quote the Chubb Claim Reference Number during your call.
Operating Hours: Monday to Friday, 9AM – 5PM (Excluding Public Holidays),
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