Who can apply for this Insurance Policy?
Anyone between of age 21 and 69 at the time of the medical treatment, residing in an eligible country and traveling to an approved hospital in a destination country for treatment can apply.
For further information please visit Are you eligible?
What am I covered for when I purchase this Insurance Policy?
There are 3 potential coverage under the Policy.
- In the destination country
- In the country of residence
- Legal expenses
For further details, please read Product & Services or download our policy
Can I increase/decrease the Policy Limits?
No, the Policy Limits cannot be changed.
What is the Period of Insurance?
Each coverage section has its own period of insurance:
- In the destination country: From the day you arrive at the destination country to the date you depart
- In the country of residence: 60 days immediately following your departure from the destination country
- Legal expenses: 12 months from the day you arrive at the destination country
Is there an excess?
There is an excess of US$2,500 applicable to Section 3-Legal Expenses.
You should note that the Policy also will not cover any claim for less than US$5,000 under this Section.
What is considered “complications” in the medical treatment?
For the purpose of this Policy, “Complications” means any of the following:
- Any adverse or unexpected result of the medical treatment that necessitates immediate additional medical treatment
- Delayed recovery
- Death during the medical treatment
What is considered “additional expenses”?
For the purpose of this Policy, “additional expenses” means additional accommodation costs (including hospital or hotel), medical and travel costs that are reasonable and necessarily incurred by you as a result of complications arising from the medical treatment.
What is “medical malpractice”?
For the purpose of this Policy, “medical malpractice” means any professional negligence by act, error or omission of a health care provider causing injury to you in the course of providing the medical treatment.
Are there any exclusions under the Policy?
Under Yes, there are exclusions each of the 3 Sections, please read our Policy for details.
Can I buy more than one insurance policy?
You can buy only one insurance plan for one trip/treatment.
If you plan to make multiple trips/treatments, you should apply for each separately.
When is the best time to purchase cover? Can I purchase cover mid-way through my trip?
You can purchase this insurance anytime before you start your journey, provided your travel and treatment plans are confirmed, but not after you commenced your journey.
Do I have to be medically fit to travel and to undergo the surgery?
Yes, at the time of applying for insurance you will be required to declare that you are medically fit (1) to travel to the destination country for the purpose of having the medical treatment, and (2) to undergo the medical treatment.
Is the policy cancelable/refundable?
No, the policy cannot be cancelled once it is taken up, and a refund is not available.
So you have to be certain that your trip and treatment will proceed before you take up the insurance.
How do I know if this insurance is right for me?
As this product is developed by Lockton Companies (Singapore) Pte Ltd (Lockton) to be marketed through an electronic media that is designed to solicit and close a sale, no advice will be provided by Lockton to you.
However, you can seek advice from a qualified advisor before purchasing this insurance. Should you choose not to seek such advice, you will take sole responsibility to ensure that this product is appropriate to your financial needs and insurance objectives.
How do I apply?
By selecting a surgery type
How do I pay?
Payment must be made online using any of the following credit cards: VISA, MasterCard.
Will I be given a policy document?
Yes, after the payment is successfully concluded you will be able to print the Policy (including the Schedule). We will also email a copy of the Policy to your email address.
What if I lose the Policy or need to print another copy sometime later?
You may re-print by providing your login and password in Member Access.
This information is provided after your payment in a confirmation email.
How do I make a claim?
After your payment is accepted you receive a login and password by email.
You can log in Member Access and find all useful information to make a claim.
What supporting documents will be required if I want to make a claim?
- A copy of original bills, receipts and/or invoices, reports, and any other supporting documentation pertaining to relevant expenses incurred during your treatment period
- A Medical Practitioner’s summary of cost of any relevant treatment including medicine and service rendered (may be supplied by the respective hospital)
- Any supporting reports or related documents provided by your Medical Practitioner and/or hospital which support your claim
- A copy of death certificate, police report, diagnostic results, if applicable
- A photocopy of the front page of your valid passport (photo and passport details) used during the period of travel
Which country’s law applies for this Policy?
Regardless of your country of residence, the Scope Policy issued here under is governed by and interpreted in accordance with Singapore Law.
Please ensure you are able to accept such a policy before you apply. You may wish to seek legal/other advice.
Who is Lockton Companies (Singapore) Pte Ltd?
Lockton Companies (Singapore) Pte Ltd designed this product for marketing on-line to medical travelers. In the purchase of this policy insurance via this website, you are engaging Lockton as your insurance broker.
For more information on the Lockton group, please visit About us.
Who is QBE Insurance (International) Limited?
QBE Insurance Group Limited is one of the top 25 insurers and reinsurers worldwide with operations in all key global insurance markets.
QBE is an Australian listed company with a Group Head Office based in Sydney, and has offices in 45 countries with around 13,000 staff worldwide. QBE Insurance (International) Limited (QBE) is the underwriter for this insurance and they are authorized and regulated by the Monetary Authority of Singapore. For more information on QBE, please visit www.qbe.com
Who has access to my private information?
Your personal information is safe with Lockton as well as the insurer QBE. Only the personnel involved in the delivery of services and product will get access to your personal information, and they are bound by regulation/company policy to keep the information confidential. Who can I contact if I have more questions on this product or if I encounter technical difficulties on your website?
For further information you can Contact Us directly
Important Note
This document on Frequently Asked Questions is not a description of the full terms and conditions of the policy. You must read the full terms and conditions of the policy, as well as the other information provided on this website before you apply for and accept the insurance.
This is not a contract of insurance. The exact terms, conditions and exclusions of the insurance are specified in the policy contact. No insurance is in force until your application has been accepted and premium received by the insurer.
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