Group Policyholder: Singapore Airlines, Limited

Master Policy Number 2030000590

Effectivity Date June 2014

GROUP TRAVEL INSURANCE BY AIG

‘TRAVEL GUARD’

This Policy sets out the terms and conditions of a contract of insurance between AIG Philippines Insurance, Inc. and

statements made by You, We will insure You and promise to pay indemnity for loss to the extent provided under this

Policy while the Policy is still in force. The period of insurance is stated in the Certificate of Insurance.

PART I – POLICY DEFINITIONS

1)

ACCIDENT or ACCIDENTAL means a sudden, unexpected and specific event, external to the body, which

occurs at an identifiable time and place.

2)

ACQUIRED IMMUNE DEFICIENCY SYNDROME or AIDS will have the meanings assigned to it by the World

Health Organization including Opportunistic Infection, Malignant Neoplasm, Human Immune Deficiency Virus

(HIV), encephalopathy (dementia), HIV wasting syndrome or any disease or sickness in the presence of a zero-

positive test for HIV.

injury, harm or disruption, or commission of an act dangerous to human life or property, against any individual,

property or government, with the stated or unstated objective of pursuing economic, ethnic, nationalistic, political,

racial or religious interests, whether such interests are declared or not. Robberies or other criminal acts, primarily

committed for personal gain and acts arising primarily from prior personal relationships between perpetrator(s)

and victim(s) will not be considered as an Act of Terrorism. Act of Terrorism also includes any act, which is

verified or recognised by the (relevant) government as an act of terrorism.

4)

CHILD or CHILDREN shall mean an unmarried person or persons not older than 12 years of age during the

Policy period.

5)

CIVIL UNREST, RIOT OR COMMOTION means a gathering of persons (organized or unorganized) to promote

their views and in disturbance of the public peace and there is violence or threats of violence or the action of any

terrorism or violence. These terms do not include an individual act of violence.

6)

COMMON AIR CARRIER means any fixed-wing aircraft provided and operated by a commercial airline company

which is duly licensed for the regular transportation of passengers and any helicopter provided and operated by

an airline which is duly licensed for the regular transportation of fare-paying passengers and operating only

between established commercial airports or licensed commercial heliports.

7)

COUNTRY OF ORIGIN / HOME COUNTRY means any country to which You are granted rights of citizenship or

permanent residence by the respective governmental authorities excluding the Philippines.

8)

GOLFING EQUIPMENT means golf clubs and golf bags.

9)

HOSPITAL means a place that holds a valid license (if required by law); operates primarily for the care and

treatment of sick or injured persons; has a staff of one or more Medical Practitioners available at all times;

continuous 24 hour period for which the Hospital makes a charge for room and board for the treatment of Injury

or Sickness.

11)

HOUSEHOLD CONTENTS means household furniture and furnishing, clothing and personal effects belonging to

You or to members of Your family or domestic servants permanently residing with You and fixtures and fittings

which You own (or for which You are responsible) not being landlord’s fixtures and fittings and excluding deeds,

bonds, bills of exchange, promissory notes, cheques, travellers’ cheques, securities for money, documents of any

kind, cash, currency notes.

12)

INJURY means bodily injury which You sustain within 90 days from the date of an Accident and is caused by an

Accident solely, directly and independently of any other cause.

13)

INSURED PERSON(S) means the person(s) named in the Policy Schedule as the Insured(s).

hand at or above the wrist or of a foot at or above the ankle.

17)

LOSS OF HEARING means Permanent irrecoverable loss of hearing where

If a dB = Hearing loss at 500 Hertz

If b dB = Hearing loss at 1000 Hertz

If c dB = Hearing loss at 2000 Hertz

If d dB = Hearing loss at 4000 Hertz

1/6 of (a+2b+2c+d) is above 80 dB

18)

LOSS OF SIGHT means the entire and Permanent irrecoverable loss of sight.

19)

LOSS OF SPEECH means the disability in articulating any three of the four sounds which contribute to the

speech such as the labial sounds, the alveolobial sounds, the palatal sounds and the velar sounds or total loss of

and usage of heavy machinery or working more than three meters above the ground.

21)

MEDICAL EXPENSES mean expenses incurred within 90 days of sustaining Injury or Sickness and paid to a

Medical Practitioner, Hospital and/or ambulance service provider for medical, surgical, X-ray, Hospital or nursing

treatment including the cost of medical supplies and ambulance hire and including the cost of dental treatment

where such treatment is necessarily incurred to restore sound and natural teeth and is caused by an Accident. All

treatment including specialist treatment must be prescribed or referred by a Medical Practitioner in order for

expenses to be reimbursed under this Policy which reimbursement will not exceed the usual level of charges for

similar treatment, medical services or supplies in the location where the expenses were incurred had this

insurance not existed.

22)

MEDICAL PRACTITIONER means a registered and qualified medical practitioner licensed under any applicable

24)

PERMANENT means lasting 12 consecutive calendar months from the date of the Accident and at the expiry of

that period being beyond hope of improvement.

25)

PRE-EXISTING MEDICAL CONDITION shall mean any illness, disease or other condition which You suffer and

within a 12-month period preceding the effective date of this Policy (a) first manifested itself, worsened, became

acute or exhibited symptoms which would have caused an ordinary prudent person to seek diagnosis care or

treatment; (b) requires You to take prescribed drugs or medicine; or (c) was treated by a Medical Practitioner or

treatment was recommended by a Medical Practitioner.

26)

PUBLIC PLACE means any place to which the general public has access, for example (but not limited to)

airports, shops, restaurants, hotel foyers, parks, beaches, golf course, driving range, public buildings and like

places.

29)

SERIOUS INJURY OR SERIOUS SICKNESS whenever applied to You, this means Injury or Sickness which

requires treatment by a Medical Practitioner and which results in You being certified by that Medical Practitioner

as unfit to travel or continue with Your or their original Trip and whenever applied to Your Relative or Travel

Companion means Injury or Sickness certified by a Medical Practitioner as being dangerous to life and which

results in Your discontinuation or cancellation of Your Trip.

30)

SICKNESS means any noticeable change in Your physical health due to a medical condition contracted,

commencing or manifesting whilst overseas during the period of Your Trip in which You seek the care of a

Medical Practitioner to treat the Sickness for which the claim is made provided the Sickness is not a Pre-existing

Medical Condition and the nature of the Sickness is not excluded from this Policy. For the purpose of Section 11,

“Sickness” means any noticeable change in Your physical health due to a medical condition contracted,

commencing or manifesting before travelling overseas in which You seek the care of a Medical Practitioner to

32)

STRIKE means any organized, willful refusal by any worker or employee to continue working to register a protest

33)

TOTAL DISABLEMENT means Injury of a Permanent nature which solely, directly and totally disables and

prevents You from attending to any business or occupation of any and every kind or if You have no business or

occupation, from attending to Your usual duties.

34)

TRAVEL COMPANION means a person who has travel bookings to accompany You on the Trip excluding Your

Relative.

35)

TRIP means a journey from the place of embarkation in the Philippines to the intended destination(s) overseas

and ceases upon arrival in the Philippines. A Trip shall not exceed 180 consecutive days.

36)

WAR means war, whether declared or not, or any warlike activities including use of military force by any-

sovereign nation to achieve economic, geographic, nationalistic, political, racial, religious or other ends.

37)

We or Our or Us means AIG Philippines Insurance, Inc (AIG).

SECTION 1 - MEDICAL & ACCIDENT DENTAL EXPENSES INCURRED OVERSEAS

We will reimburse You up to the limit specified in the Summary of Benefits under Section 1, the Medical Expenses

necessarily incurred whilst overseas for Injury or Sickness You suffered solely and independently of any other causes.

In no event will the total of the Medical Expenses incurred overseas exceed the limit specified in the applicable

Summary of Benefits under Section 1.

If You are entitled to a refund of all or part of the Medical Expenses from any person or any other source, We will only

pay the balance amount of Medical Expenses that is not refunded subject to the applicable limits.

SECTION 2 - MEDICAL EXPENSES INCURRED IN THE PHILIPPINES

b)

In no event will the total of the Medical Expenses in the Philippines exceed the limit specified in the applicable

Summary of Benefits under Section 2.

If You are entitled to a refund of all or part of the Medical Expenses from any person or any other source, We will only

pay the balance amount of Medical Expenses that is not refunded subject to the applicable limits.

Confinement.

When as the result of Injury or Sickness commencing while You are overseas and if in the opinion of Travel Guard, or

an authorized representative of Travel Guard, it is judged medically appropriate to move You to another location or to

return You to the Philippines for medical treatment, Travel Guard, or the authorized representative, will arrange for the

evacuation utilizing the means best suited to do so, based on the medical severity of Your condition. We will pay

Travel Guard directly the covered expenses for such evacuation specified in the Summary of Benefits under Section

4.

The means of evacuation arranged by Travel Guard, or an authorized representative of Travel Guard, may include air

ambulance, surface ambulance, regular air transportation, railroad or any other appropriate means. All decisions as to

the means of transportation and the final destination will be made by Travel Guard, or the authorized representative,

1)

2)

SECTION 5 - REPATRIATION

When as the result of Injury or Sickness commencing whilst overseas, You suffer death within 30 days from the date

undertaker, including but not limited to the cost of the casket, the embalming and cremation if so elected.

EXCLUSIONS

We will not pay for:

1)

2)

Note: In no event will the total of the expenses for Emergency Medical Evacuation and Repatriation exceed the limit

COMPASSIONATE VISIT

In the event of Your death due to an Accident or Sickness whilst overseas and no adult member of Your family was

Note: This Policy will only pay for a claim in respect of either Hospital Visitation or Compassionate Visit under Section

6A or 6B for the same event but not both.

SECTION 7 - CHILD PROTECTOR

In the event You are under Hospital Confinement whilst overseas and there is no adult to accompany the

Child/Children, We will pay, up to the limit specified in the Summary of Benefits under Section 7, reasonable travel

(economy airfare, rail or sea transport fare) and hotel accommodation expenses for a Relative or friend to accompany

the Child/Children back to the Philippines.

SECTION 8 - EMERGENCY ASSISTANCE

SECTION 9 - ACCIDENTAL DEATH & PERMANENT DISABLEMENT

2)

Total Disablement 100% }

3)

Permanent and Incurable Paralysis of all Limbs 100% }

4)

Permanent Total Loss of Sight of both Eyes 100% } Percentage of

5)

Loss of or the Permanent Total Loss of use of two Limbs 100% } Principal Sum of Maximum Benefit Limits for

6)

Permanent Total Loss of Speech and Hearing 100% } Each Insured

7)

Permanent Total Loss of Hearing in }

a.

both Ears 75% }

b.

one Ear 15% }

9)

Loss of or the Permanent Total Loss of use of one Limb 50% }

For the purpose of this Section, cover commences 3 hours before the time You leave Your permanent place of

We will not pay compensation for any Total Disablement or death arising from Sickness, or infectious diseases.

SECTION 10 - PUBLIC TRANSPORT DOUBLE COVER

In the event an Accident occurs whilst You are overseas and You are travelling as a passenger in a Public Transport

resulting in Your death, the amount of compensation will be based on the Summary of Benefits under Section 10.

Note: This Policy will only pay for any claim either under Section 9 or Section 10, but not both.

SECTION 11 - TRAVEL CANCELLATION & TRAVEL POSTPONEMENT

TRAVEL CANCELLATION

If the Trip is cancelled due to any of the following occurring within 60 days (except item (c)) before the date of

b)

unexpected Strike, Civil Unrest, Riot or Commotion beyond Your control at the planned destination;

serious damage to Your permanent place of residence in the Philippines arising from Natural

Disasters occurring within 1 week before the date of departure and which requires You to be present

at the permanent place of residence on the date of departure; or

d)

witness summons or jury service.

We will pay, up to the limits specified in the Summary of Benefits under Section 11, for the resulting loss of travel

and/or accommodation expenses: -

commencement of the Trip subject to the limits specified in the Summary of Benefits under Section 11. Such

replacement administrative expenses are paid by Us as an alternative to I) above and there will be no further

EXCLUSIONS

In respect of I) and II) above, We will not pay for any loss or expenses:

1)

2)

3)

4)

5)

6)

8)

departure of the Trip:

a)

d)

charges to postpone the Trip:-

a)

which full payment was made by You;

b)

for which You are legally liable; and

which are not recoverable from any other source.

EXCLUSIONS

We will not pay for any loss or charges:

1)

3)

7)

8)

Once an Insured Person postpones the Trip and a claim is made for Travel Postponement under Section 11, the

Policy immediately terminates, upon such postponement of the Trip.

Note: This Policy will only pay for a claim in respect of either Travel Cancellation or Travel Postponement under

Section 11A or 11B for the same event but not both.

b)

d)

We will pay, up to the limits specified in the Summary of Benefits under Section 12, for:-

a)

any additional air, land or sea travel (economy class fare whenever possible) or accommodation expenses

incurred as a result; and

commencement of the Trip as a result of any of the above stated reasons.

TRAVEL INTERRUPTION

In the event of You or Your Relative being under Hospital Confinement whilst overseas for more than 5 days

sustained overseas to personal baggage taken or purchased due to circumstances beyond Your control at the

which are stored in the personal baggage that is lost or which are worn or carried on You. All items must be owned by

In the event any of Your article of personal baggage is proven to be beyond economical repair, a claim under this

Policy will be treated as if the article had been lost.

We will not be liable for more than $2,000, in respect of any one article or pair or set of articles. The limit of liability for

item (e.g. a pair of shoes, a camera and its standard accompanying lens and accessories).

provider having jurisdiction at the place of the loss within 24 hours of the incident. Any claim must be accompanied by

written documentation from such authorities. You must take every possible step and reasonable precaution to ensure:-

that Your baggage or personal effects are not left unattended in a Public Place; and

the safety of all personal property and baggage.

Claims that result from You losing Your baggage or it being damaged while being held by an airline or service provider

should be made to the airline or service provider first. Any payment under this Policy shall be made upon proof of

compensation received from the airline or service provider or where such compensation is denied, proof of such

denial.

consumables, household effects, antiques, artifacts, paintings, objects of art, computers (including handheld

computers, software and accessories with the exception of Laptop Computers as provided herein above),

sustained due to any process or while actually being worked upon resulting in such loss or damage;

customs regulations, confiscation by order of any Government or Public Authority or risk of contraband or illegal

4)

loss or damage to property insured under any other insurance policy, or reimbursed by any other carrier, hotel

5)

loss or damage to Your baggage sent in advanced, mailed or shipped separately;

6)

loss or damage to Your baggage left unattended in any Public Place;

9)

loss of or damage arising from confiscation or retention by customs or other officials;

Identity Cards (IC) and driving licenses, travel documents except as provided for in Section 13;

13)

loss of damage or derangement or breakage of fragile or brittle articles; and

Note: This Policy will only pay for any claim under any one of Sections 13, 15, or 19A for the same event but not for

more than one of the Sections.

In the event that the Public Transport in which You had arranged to travel in overseas and in the Philippines is

Public Transport, We will pay $50 for every full six (6) consecutive hours of delay up to a maximum stated on the

Summary of Benefits during the Policy period.