FWD Travel Insurance Policy Wording
Celebrate livingfwd.com.sgFWD Travel insurancePolicy wordingThis is your contract for your insurance policy.Read it to understand all the benefits as well as the important terms and conditionsthat apply to your insurance cover. Don’t worry, we’ve made it as easy to read as possible.If you need help, call our hotline: 65 6820 8888
Quick referenceAbout your policyStarting or ending your policyNo cover for travel to certain countries1111Your right to cancel25252526Your policy1Our right to cancel26Quick summary of your benefits22Important things to know27The information you give us needs to be27Words with special meaningWho can buy this policyYour benefits at a glanceWhat you’re covered forOptional cover6691216General exclusions19Protecting your travel plansProtecting your stuffProtecting you and your healthMaking a claimHow to make a claimYour responsibilitiesThings to know21212323When your policy startsWhen your policy endscorrect and completeThis is a Singapore insurance contract27No rights for others under the policy27Legal action against you27Policy Owners’ Protection Scheme28How to reach us29If you have questions29How to resolve a concern or complaint29Important words and phrases31V2.0 17 Feb 2022
About your policyThank you for choosing FWD Singapore Pte. Ltd. We’re pleased to protect you so that youcan focus on living life to the fullest.Easy to readNo cover for travel to certain countriesWe’re here to change the way you feel about insurance –starting with this document. We’ve made it easy to read, soyou can understand your benefits and what you are coveredfor.We will not pay any benefit if it is connected to travel to,within and/or transit through:We highlight important information like this.Read these carefully. any country that the Ministry of Foreign Affairs ofSingapore advises against travelling to, or recommendstravel to be postponed; orthe specified countries below.Specified countries not covered under your policyWords with special meaningSome words in this policy wording have special meaning.AfghanistanNorth KoreaCubaSomaliaAccidentPeriod of insuranceSouth SudanChildPolicyDemocratic Republic ofCongoEndorsementSerious public eventIranSyriaFamily memberTravel insurance summaryLibyaYemenHospitalTripInterested partyWe, us, and ourMedically necessaryYou, and yourMedical practitionerWho can buy this policyYou can buy this policy if: you are at least 16 years old; and you hold a valid Singapore identification document.We accept the following identification documents: Singapore National Registration Identification Card(NRIC); employment pass; work permit; long-term visit pass; or student pass.V2.0 17 Feb 2022SudanLiberiaYour policyYour policy is a contract of insurance between you and us. It ismade up of the documents listed below. This policy wording Your travel insurance summary Any endorsement to your policyDo read your policy carefully so you’ll know exactly whatyou’re covered for, and how to make a claim.1
Quick summary of your benefitsYour policy benefits at a glanceThe table of benefits below shows you the maximum benefit limits that are payable to youper policy per trip. Note that some limits and benefits depend on the plan chosen by you.For details of the limits that apply to your plan, you can check the table below, along withyour insurance summary.The following amounts are the maximum benefit limits that are payable to you per policy per trip.Protecting your travel plansTrip cancellation and loss of depositPremiumBusinessFirstS 7,500S 10,000S 15,000S 18,750S 25,000S 37,500S 500S 1,000S 1,500S 5,000S 10,000S 15,000S 12,500S 25,000S 37,500S 1,000S 3,000S 5,000S 500S 1,000S 1,500S 300S 500S 1,000S 300S 500S 500S 1,000S 2,000S 3,000If you have to cancel your entire tripOverall limit for family planTrip postponementIf you have to postpone your trip from SingaporeTrip cut shortIf you need to return home earlier than plannedOverall limit for family planInsolvency protectionIf your travel service provider is insolventTrip diversionS 100 for every six hours diverted while overseasTravel delayS 100 for every six hours delay while overseasS 100 for the first six hours delay in SingaporeMissed connectionsS 100 for every six hours you are strandedTrip disruptionIf your trip is disrupted while you are on your trip2V2.0 17 Feb 2022
Quick summary of your benefitsPremiumBusinessFirstS 150S 600S 900Theft of or damage to your personal belongingsS 3,000S 5,000S 7,500Overall limit for family planS 7,500S 12,500S 18,750Sub-limit for 1 laptop / 1 tablet in totalS 1,000S 1,000S 1,000Sub-limit for 1 mobile phone in totalS 300S 500S 500Sub-limit for jewellery in totalS 300S 500S 500Sub-limit for all other items (per item)S 300S 500S 500Loss of passport, travel documents & theft of moneyS 300S 600S 1,000Sub-limit for theft of your moneyS 300S 300S 300S 300S 600S 1,000S 500S 1,000BusinessFirstNotNotApplicableApplicableS 150S 150S 150S 2,000S 2,000S 2,000S 6,000S 6,000S 6,000Protecting your stuffBaggage delayS 150 for every six hours of delayS 150 for first six hour delay in SingaporeFraudulent personal credit card usageWhen unauthorised charges are made on your credit cardCar rental excess coverNotCover for any car rental excess you need to pay if an accident happensOptional coverCar rental excess coverCover for any car rental excess you need to pay if an accident happensPet careS 50 for every six hours of delaySports equipment protectorUp to S 100 per day for rental replacementHome contents coverCover against burglary and fire in your home while you are overseasV2.0 17 Feb 2022ApplicablePremiumS 3003
What you’re covered S 500,000S 750,000S 1,000,000Adult below 70 years of ageS 200,000S 300,000S 400,000Adult 70 years old or olderS 40,000S 60,000S 80,000Child covered under a family planS 60,000S 90,000S 120,000Overall limit for family planS 500,000S 750,000S 1,000,000Adult below 70 years of ageS 200,000S 500,000S 1,000,000Adult 70 years old or olderS 40,000S 100,000S 200,000Child covered under a family planS 60,000S 150,000S 300,000Overall limit for family planS 500,000S 1,250,500S 2,500,000Limit for mobility aidsNot coveredS 500S 1,000S 2,000S 5,000S 5,000S 5,000S 8,000S 10,0007 days14 days21 daysProtecting you and your healthEmergency medical evacuation & repatriationTransportation due to life-threatening illness or injuryPersonal liability while on your tripIf you are liable for accidental death, injury or damage to other people,items or propertyPersonal accidentLump sum payment for death or disability from accidentMedical expenses incurred overseasMedical treatment costs while you are overseasLimit for dental expenses caused by accidentDaily hospital cash while overseasCapped at S 200 per day(Note: daily income amount will be doubled if hospitalised in intensivecare, capped at S 400 per day)Automatic policy extensionExtended policy cover in some situations4V2.0 17 Feb 2022
Quick summary of your benefitsPremiumBusinessFirstS 200S 300S 400S 5,000S 7,500S 10,000S 5,000S 7,500S 10,000S 5,000S 7,500S 10,000S 300S 500S 500Adult below 70 years of ageS 6,000S 15,000S 30,000Adult 70 years old or olderS 1,200S 3,000S 6,000Child covered under a family planS 1,800S 4,500S 9,000Overall limit for family planS 15,000S 37,500S 75,000Not coveredS 500S 1,000S 2,000S 5,000S 5,000S 1,000S 1,200S 1,500Protecting you and your healthEmergency phone chargesCover for your emergency calls while overseasHospitalisation visitPaying for a family member to visit you in the hospitalChild companionPaying for an adult family member to visit to look after your childrenCompassionate travelPaying for a family member to arrange return of bodyChinese medicine practitioner, physiotherapist and chiropractorexpensesCapped at S 50 per visitMedical expenses incurred in SingaporeMedical treatment costs if you fall sick after returning to SingaporeLimit for mobility aidsLimit for dental expenses caused by accidentDaily hospital cash while in SingaporeCapped at S 100 per day(Note: daily income amount will be doubled if hospitalised in intensivecare, capped at S 200 per day)V2.0 17 Feb 20225
What you’re covered forIn this section, we explain what insurance benefits you are covered for, and any specificexclusions or conditions that apply to those benefits. General exclusions also apply - seesection on ‘General exclusions’.Protecting your travel plansYour policy provides benefits that protect your travel plansbefore your trip starts and during your trip.Trip cancellation and loss of depositWe will pay this benefit if you have to: cancel the entire trip; or change a travel companion who is travelling with you;because any of the events* happen within 30 days beforeyour scheduled departure date.Trip postponementWe will pay this benefit if you: postpone the entire trip; or change the itinerary;because any of the events* happen within 30 days beforeyour scheduled departure date.Trip cut shortWe will pay this benefit if you: are overseas; andhave to return to Singapore before your scheduled returndate;because any of the events* happen.*Check the table below to see what events you can claim for.What events you can claim forYou or your travel companion suffers a serious injury or illness and ismedically unfit to travel as confirmed by a medical practitioner in writingYou, your travel companion, or your family member, diesYour family member suffers a life-threatening illness or injury asconfirmed by a medical practitioner in writingYou or your travel companion needs to be a witness in court during yourscheduled period of travelYour or your travel companion’s home is seriously damaged by fire, ornatural disaster, and as a result you cannot travel, or have to cut shortyour tripA serious public event happens in Singapore or at one of your traveldestinations, which prevents you from starting or continuing the tripYour onward flight is cancelled by the airline due to airport, runway orairspace closure, or poor weather conditions, which forces the airplanesto be groundedThe aircraft you are on-board is hijacked for more than 12 hours6Tripcancellationand loss ofdepositTrippostponementTrip cutshortaaaaaaaaaaaaaaaaaaarrrraV2.0 17 Feb 2022
What you’re covered forTripcancellationand loss ofdepositWhat we payAny costs you have paid in advance which you can’t get back, or arelegally responsible for paying¹Trippostponement¹Trip cutshortaaaAny rebooking fees so that you can reorganise the trip (same destinationas the original trip) to a date within 180 days from your originalscheduled departure dateraaAdditional transport and accommodation expenses (economy class fortransport and standard room for hotel) you pay because of your earlyreturn to Singaporerrr¹We will pay either one of the respective benefits.What you should knowYou can only claim one of the following benefits for theNot coveredWe won’t pay for the following: same event: Trip cancellation and loss of deposit; Trip postponement; Trip cut short; Trip diversion; Travel delay; Missed connection; Trip disruption; or Insolvency protection.We will pay the benefit that gives the highest benefitamount. any claims for Trip cancellation and loss of deposit benefitand Trip postponement benefit if you buy your policy lessthan 3 days before your scheduled departure date;any amounts or compensation for customer loyalty points.However, despite the above, we will pay for any Tripcancellation and loss of deposit benefit or Trip postponementbenefit, if: you, your travel companion or your family member dies.Insolvency protectionWe will pay this benefit if your:If this is a single trip policy, the policy will end when Trip trip is cancelled before your scheduled departure date; orcancellation and loss of deposit benefit or Trip trip is disrupted while you are overseas during your trip;postponement benefit is paid.because a travel agent, transport provider, tour operator, oraccommodation provider, who is responsible for part or all ofyour trip, is declared insolvent.V2.0 17 Feb 20227
What you’re covered forMeaning of insolvencyWhen we use the words insolvent or insolvency, wemean that an individual or entity is unable to pay theirdebts, and their business has completely ceasedoperations because: of declared insolvency – whether or not theindividual or entity has filed for bankruptcy; ora business owner with prior convictions forfraudulent or dishonest acts:»»is under investigation for a fraudulent ordishonest act; orhas, or is suspected to have, illegally ran awaywith monies belonging to the business.Trip diversionWe will pay this benefit if you: Travel delayWe will pay this benefit if your trip is delayed for 6 continuoushours or more if: We will reimburse the following costs you pay as a resultof the insolvency. Flight, accommodation, concert and tour costs that: you have already paid but cannot get back; or»you are legally responsible for paying.Additional transport and accommodation expenses(the same class of transport as booked, and standardroom for hotel).are diverted to another destination for 6 continuous hoursor more,before you eventually reach your scheduled destination. What we payare travelling on a scheduled public transport; andyour scheduled public transport is delayed; oryou are forced to travel at another time because yourscheduled public transport is overbooked,before you eventually reach your scheduled destination.Missed connections»We will pay this benefit if: What you should knowYou can only claim one of the following benefits for thesame event.you miss your travel connection as a result of yourscheduled public transport arriving late to the transitterminal; andyou are stranded for 6 continuous hours or more becausethere are no available travel alternatives.What we pay Trip cut short.Trip diversion benefit and Travel delay benefit Trip postponement. Trip cancellation and loss of deposit. Insolvency protection.We will pay you for each 6 continuous hours (except ifthe delay happens in Singapore, we will only pay for thefirst 6 continuous hours) you are delayed in reachingyour scheduled destination. We calculate the length ofthe delay by counting the number of hours betweenyour original scheduled arrival time and your actualarrival time.We will pay the benefit that gives the highest benefitamount.If this is a single trip policy, the policy will end when thisbenefit is paid due to your trip being cancelled beforeyour scheduled departure date.Missed connection benefitWe will pay you for each 6 continuous hours you arestranded.Not covered 8We do not pay any amounts or compensation for customerloyalty points.Any claim before your scheduled departure if you buy yourpolicy less than 3 days before your scheduled departuredate.V2.0 17 Feb 2022
What you’re covered forWhat you should knowWhat you should knowYou must have checked-in on time for the publictransport you were booked for in your original itinerary.You can only claim one of the following benefits for thesame event.You can only claim one of the following benefits for thesame event.Travel delay.Trip postponement.Trip diversion. Travel delay. Trip disruption. Missed connection. Missed connection.We will pay the benefit that gives the highest benefitamount.Not coveredWe will not pay this benefit in any of the following situations. Not coveredWe will not pay this benefit if you, your family member or yourtravel companion was the cause of the delay. Trip disruptionWe will pay this benefit if your trip is disrupted while you arein Singapore or overseas, and you are forced to change youritinerary because of one of the events below. Trip cut short. You need to provide us with written proof of the delayfrom the public transport operator or your handlingagent. The document needs to show the number ofhours of travel delay and the reason for the delay. Trip cancellation and loss of deposit. We will pay the benefit that gives the highest benefitamount. You suffer a serious injury or illness and are medically unfitto travel. A medical practitioner must confirm this inwriting.A serious public event happens in Singapore or at one ofyour travel destinations.Your flight is cancelled by an airline because:»»the airport, runway, or airspace is closed; orof poor weather conditions.Any additional expenses you incur to extend your triplonger than you originally planned.Any amounts or compensation for customer loyalty points.Any expenses to upgrade you to a better class or categoryof transport or accommodation compared to youritinerary. This means, for example, changing your flightfrom a budget airline to a full-service airline.Protecting your stuffYour policy provides benefits that protect your belongingsduring your trip. Your cover for the following benefits starts 3hours before your trip is scheduled to begin.Baggage delayWe will pay this benefit if you have checked-in baggage that:What we payWe will reimburse the following costs you pay as a resultof changing any part of your scheduled itinerary. Additional transport and/or accommodationexpenses (the same class of transport as booked, andstandard room for hotel) you have to pay to continueyour trip; orAny costs you have paid in advance, which you can’tget back because of the itinerary change; orAny costs you are legally responsible for payingbecause of the itinerary change.V2.0 17 Feb 2022 is delayed, misdirected, or temporarily misplaced by anypublic transport provider; andreaches 6 continuous hours or more after you arrive atyour scheduled destination (including your final return toSingapore).What we payWe will pay you for each 6-hour period (except if thedelay happens in Singapore, we will only pay for the first6 hours) that your checked-in baggage is delayed. Wecalculate the length of the delay by counting the numberof hours between your original scheduled arrival timeand the actual arrival time of your baggage.9
What you’re covered forWhat you should knowWe pay this benefit on a per claim basis, not per piece ofbaggage.We will only pay one person for the benefit even if thereare multiple persons sharing the same baggage.How we decide how much to pay Theft of or damage to baggage or personalbelongings We will pay this benefit, if during your trip, your:We will decide whether to replace, repair, or pay a cashamount for the stolen or damaged items.We may treat a damaged item as beyond repair. If we doso, we will treat it as lost and we will become the owner ofthat item.We will treat items that are a pair or a set as one item forthe purpose of this benefit, and only one amount will bepayable for the pair or set.We will use the table below as a guide for determining theitems’ fair value.baggage or personal belongings are stolen or accidentallydamaged; or baggage is lost while in the custody and care of any airlineoperator. How much we pay withproof of purchaseCovered itemMobile phoneThe higher of: Laptop, tablet and otherelectronic devicesHow much we pay withoutproof of purchase[(24 – Age of the item in months) / 24 months] xproof of purchase price; or the telco trade-in value; or S 50The higher of: [(36 – Age of the item in months) / 36 months] xproof of purchase price; orS 50Up to S 50 peritem. We will onlypay for a maximumof 5 items withoutproof of purchase.Personal belongingsincluding baggageThe higher of: Jewellery10[(60 – Age of the item in months) / 60 months] xproof of purchase price; orS 50100% of the proof of purchase priceV2.0 17 Feb 2022
What you’re covered forWhat you should knowWe may refuse to pay your claim if you don’t do thefollowing. For items such as mobile phones, laptops, tablets, orjewellery, you must not have checked them in withthe public transport provider or left them in a vehicleunattended.Loss of passport, travel documents & theft ofmoneyWe will pay this benefit whilst you are on a trip overseas and: you lose your passport or other travel documents; and/or your money or travellers’ cheques are stolen.Your stolen or damaged items must have been underyour care, or in the care of another authorised person(including transport and accommodation providers).We may decline your claim if you cannot prove this.What we payWe may pay for any stolen or damaged traveldocuments or money under the Loss of traveldocuments and theft of money benefit. We will notpay for those items under this benefit. You must take all reasonable steps to find any lost orstolen items. You must report any stolen item to thepolice or a relevant authority in the country within 24hours where the loss or theft happened afterdiscovering the theft.We will reduce the amount of this benefit by anyamount we have already paid for the same itemsunder the Baggage delay benefit.We will reimburse the following to you. The value of stolen cash or travellers’ cheques.The costs to replace a passport or other traveldocuments.The costs or penalties charged by a transportprovider to issue replacement travel tickets.The following costs that are paid to organise for thereplacement of lost passport or travel documents:transport (economy class) or hotelaccommodation (standard room);»communication expenses;where these costs are reasonable. No other expensesyou pay to organise replacements will be paid.»What you should knowNot coveredWe do not cover any of the following under this benefit. Perishables or consumables (including food, skincareproduct, perfume, contact lenses, and toiletries).Motorised vehicles of any form or its accessories. Traveller cards, credit value-loaded cards, prepaid debitcards, prepaid gift cards, transportation cards, and anyvalue that is loaded onto any such card.Loss or damage caused by wear and tear or gradualdeterioration. Musical instruments or its accessories or casing. Unauthorised phone costs or charge after its loss or theft. Items that do not belong to you. Sports equipment. Business goods or equipment. Information stored on storage devices. We may refuse to pay your claim if you don’t do thefollowing.Unexplained loss or mysterious dissappearence of anybaggage or belongings. Call our Emergency Assistance line at 65 6322 2072for advice on how to replace your travel documents.Your stolen or lost items must have been under yourcare, securely locked in a storage facility, or in thecare of another authorised person (includingtransport and accommodation providers). We maydecline your claim if you cannot prove this.Your money must have been stolen while beingcarried by you. We won’t pay any benefit for money:»»if the money is checked-in with any publictransport providers; orleft in a vehicle unattended.Fraudulent personal credit card usageWe will pay this benefit if unauthorised charges are made onyour credit card while you are overseas on a trip.What we payWe will reimburse any unauthorised charges on yourcredit card.V2.0 17 Feb 202211
What you’re covered forWhat you should knowWhat we payWe may refuse to pay your claim if you don’t do thefollowing.If you are suffering from a life-threatening illness orinjury: You must report any unauthorised charges (or thetheft of the credit card if it was stolen) to: your credit card issuers; andthe police in the country where the chargesor loss happens, within 24 hours of discovery.You need to follow all of the rules and requirementsthat your credit card issuer sets for dealing withunauthorised charges or lost credit cards.»» we will arrange and pay for an air ambulance, surfaceambulance, regular air transport, railroad, land or seatransport, or any other appropriate method to moveyou to a medical facility for treatment; andwe will pay for any administrative fees charged by anairline or travel agent to change your travel datesand/or destinations if the existing return ticket can beused to travel back to Singapore.If you die, we will arrange and pay for your body to bereturned to Singapore (or your home country chosen byyour legal representative).Not coveredWe do not cover any unauthorised charges made by: your family member; your travel companion; orWe will also pay any reasonable costs charged by anoverseas mortician or undertaker to prepare the bodyfor transport, such as: any person that you entrust with your credit card details. Protecting you and yourhealthYour policy provides benefits that protect you and your healthduring your trip and after your return.Emergency medical evacuation &repatriationTo claim this benefit, you (or someoneon your behalf) must call our EmergencyAssistance line at 65 6322 2072.We will decide on the most appropriate medical facility andtransport method based on your location and our assessmentof the severity of your medical condition or circumstances. 12we believe it is medically necessary to move you to amedical facility in Singapore or overseas; orcremation (if chosen by your legal representative);anda basic casket or urn.Personal liability while on your tripWe will pay this benefit while you are overseas on a trip and ifyou are held legally responsible for: the accidental death of another person; bodily injury to another person; or loss or damage to another person’s property.The other person must not be an interested party.What we payWe will pay: You can claim this benefit if you suffer from a life-threateningcondition as a result of an unexpected illness or injury thathappens while overseas on a trip, and:embalmment; any damages awarded against you by a court ofcompetent jurisdiction (except for punitivedamages); andthe legal costs and expenses that we agree to pay forrepresenting or defending you.you need to return to Singapore for continued treatmentafter having been moved to an overseas medical facility fortreatment; oryou die while overseas.V2.0 17 Feb 2022
What you’re covered forWhat you should know We may refuse to pay your claim if you don’t do thefollowing: arrange for legal representation at; and»take on the legal defence of,any proceedings, inquest, or official inquiry.» » We must agree to all costs and/or expenses beforeyou officially engage your own lawyer to act in yourdefence.Personal accidentWe will pay you (or your legal representative) a lump sumamount if you suffer an accident that: Not coveredWe do not cover the following. firearms;animals;»motorised vehicles;»watercraft;»aircraft of any description including drones;»remote controlled motorised devices; or»bicycles.Any damages that are connected to you engaging in yourtrade, business, or profession.»You must not admit legal responsibility to anyone,negotiate any payment, or refuse any claim beforegetting written permission from us.We may, at our sole discretion, do any of thefollowing:Any legal responsibility that results from you owning orusing: causes death; orleads to total and permanent disability within 90 days ofthe accident.Any damages resulting from a criminal proceeding.Any claim for loss of or damage to property in your care orcustody.What we payThe lump sum amount will be paid according to thepercentage of the benefit limit shown in the table belowfor that death or accidental injury.Death or disabilityPercentage of benefit limitAccidental death100%Total and permanent disability100%Total and permanent severance or loss of use of two or more limbs above the wrist or ankle100%Total and permanent loss of sight in both eyes100%Third degree burns to 8% or more of the head or more than 20% of the body100%Third degree burns to between 5% and 8% of the head50%Third degree burns to between 15% and 20% of the body50%Total and permanent severance or loss of use of one limb above the wrist or ankle50%Total and permanent loss of all sight in one eye50%Total and permanent loss of all hearing in one ear50%Total and permanent loss of speech50%V2.0 17 Feb 202213
What you’re covered forMeaning of total and permanent disabilityWhat we payTotal and permanent disability means:We will reimburse costs you pay for medically necessarytreatment. We will pay for treatment for a period of up to30 days from the date of the first treatment. you have suffered an accident during your trip;for 6 months in a row, the accident has stopped youfrom working in any job for a salary or wage, or hasstopped you from carrying out any businesswhatsoever; andThe costs we will pay include the following. our medical practitioner considers that you areunlikely ever to work in any job for a salary or wage,or to carry out any business at all, for the rest of yourlife. What you should knowDeath, total and permanent severance, or loss of use,must occur within 90 days of the accident for a claimunder this benefit to be valid. The total and permanent severance or loss of use of alimb must be:diagnosed by a medical practitionerapproved by us; and»beyond cure (considering surgical or othertreatments).If you suffer more than one of the injuries listed abovein the same accident, we will pay the total of allamounts, up to a maximum of 100% of the personalaccident sum insured.» If you are:»»on a public transport that disappears,becomes wrecked, or sinks; andyour body is not found, we will consider youto be deceased. In this case, we will pay thisbenefit on the earlier of:»an official death certificate beingreleased; or»when one year has passed since theaccident. Dental treatment but only if it is medically necessaryto treat injury caused by an accident.Reasonable costs of ambulance transportation.Treatment by a medical specialist but only if referredby a general practitioner. A referral is not required fortreatment by a medical specialist in an emergency.Mobility aids, such a crutches, wheel chairs, orwalkers but does not include any prosthesis.Medical equipment to aid recovery.Not covered Dental treatment due to tooth or gum or oral diseases, orfrom normal wearing of the teeth.Dental expenses related to non-natural teeth such asdental dentures, bridges, implants, fillings and crowns.Treatment received from an interested party.Daily hospital cash while overseasWe will pay a benefit
Car rental excess cover Cover for any car rental excess you need to pay if an accident happens Not Applicable S 500 S 1,000 Car rental excess cover Cover for any car rental excess you need to pay if an accident happens S 300 Not Applicable Not Applicable Pet care S 50 for every six hours of delay S 150 S 150 S 150 Sports equipment protector
Sample Engagement Letter Wording . Audit Engagement Wording. 6 - 10 Compilation Engagement Wording 11 - 15 Review Engagement Wording. 16 - 20 Tax Return (Personal) Wording 21 - 25 Tax Return (Business) Wording . 26 - 30 Combined Services Audit & Tax Engagement Wording 3
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2 FWD Home insurance contract (Homeowner) v2.0 Any word or phrase appearing in Capitalised Bold within this Contract will have the meanings as stated below. "You", " Your" refers to the Policyholder as shown in the Home Insurance Summary. "FWD", "We", "Our" or "Us" refers to "FWD Singapore Pte. Ltd.", the issuer of this insurance Policy.
5 Puffin Travel Insurance - Policy wording (D) About your policy wording If you have any queries about your cover, you can call us on the number listed in the Important Telephone Numbers' section. Please make sure you have your policy number when you call.We want you to get the most from your policy and to do this you should:
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Travel Insurance Policy Wording Annual multi-trip and single trip insurance Customer Services 0161 439 0333 tel. 24 Hour Medical Emergency Assistance tel. 44 (0)1273 624 661 . Planet Earth Travel Insurance Page 1 Health Declaration Page 1 Important Information: Acceptance of Your Insurance Pages 2-4 Cover limits and applicable excesses Pages 6-7
Insurance, the administration of Travel Insurance coverage, or covered under a policy of Travel Insurance; and c. Any other service that is furnished in connection with planned travel and is not directly or indirectly related to Travel Insurance, the administration of Travel Insurance coverage or covered under a policy of Travel Insurance. 4.
