Travel Insurance Singapore - Single & Annual Trip |

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Terms & Conditions:
  1. Promotion is valid from 18 March 2019 to 31 December 2019.
  2. *Promotion is valid from 3 to 30 April 2019.
  3. This promotion is open to all Singapore citizen(s), Singapore Permanent Resident(s) and Foreigner(s) with valid Work Pass, Student Pass, Dependant’s Pass or Long-Term Visit Pass, who are Maybank customers, holding Maybank Credit or Debit Cards issued in Singapore or any other country.
  4. Payment has to be made via a Maybank Credit or Debit Card.
  5. This promotion is only applicable for online application via during the Promotion Period
  6. Please note that additional discount will be applied on top of any prevailing discount, i.e. Tiq Travel Insurance Single-Trip Non Pre-Ex Plans have an existing discount of 45%, the additional 20% discount will be applied after the 45% discount. Customers will need to enter the promotion code ‘MBBXTIQ’ in the coupon code field upon application to enjoy the full 56% discount.
  7. This promotion is not valid in conjunction with any ongoing or existing insurance promotions, coupons, staff discounts and privileges, unless otherwise stated.
  8. The promotion code is not transferable, exchangeable for cash or kind or extendable in validity.
  9. This promotion is not valid for customers who have cancelled or free-look existing policy/policies with Etiqa Insurance Pte. Ltd. (“Etiqa”) within 14 days of policy application.
  10. Etiqa reserves the right to amend these terms and conditions at any time at our sole discretion, including changing the terms or terminating the promotion at any point in time before the stated Promotion Period without prior notice, by posting such amendment(s) to 
  1. How do I make a claim?
If you have a TiqConnect account with Etiqa, please log onto TiqConnect to submit your claims. Otherwise, you may register for an account on our corporate website. Access can be created immediately. You may also contact our Customer Care hotline at 6887 8777.
  1. How does the automated flight delay benefit work? Do I still need to submit a claim if my flight gets delayed?
Our automated flight delay benefit is applicable for all flights departing and returning to Singapore, as long as you have entered the accurate flight information in your application. We use technology to determine if your flight has been delayed and make the payouts accordingly to your eWallet, which you can encash via PayNow. You do not need to make any manual claims. Please note this automation does not include any transit flights that you might take during your travel period. You will still need to submit a claim if you experience transit flight delays during your policy period.
  1. How do I select the travel region if I am travelling to multiple countries?
If you are travelling to more than one country, please select the furthest destination from Singapore.  
  1. Can I buy travel insurance if I forgot to purchase prior to my departure?
No, you will not be covered if you have already physically left Singapore.  
  1. Can I purchase a Pre-Ex plan together with a non Pre-Ex plan?
Yes you can mix and match the plans for Married Couple and Group Plans for single trips only, provided the trip does not exceed 30 days.  
  1. Can I buy add-ons for a child?
No, add-ons can only be purchased for adult travelers.  
  1. How do I use a referral code to get a discount?
You are required to enter the referral code in the field for the discount to be applied. You may use only one promotion code at any time.  
  1. What modes of payment do you accept?
We accept payment via Credit Card, eNets and eWallet credits.
  1. Who can buy Tiq Travel Insurance?
  • Singaporean
  • Permanent Resident of Singapore
  • Foreigner with valid Work Pass
  • Foreigner with valid Student Pass
  • Foreigner with valid Dependant’s Pass
  • Foreigner with valid Long-term Visit Pass
Please note that this insurance will only cover for a round trip commencing and returning to Singapore within the effective coverage period.
  1. Can I apply for Tiq Travel Insurance if I am more than 70 years old?
Yes, we cover up to 80 years of age with reduced travel insurance benefits for Personal Accident, Medical Expenses Incurred Overseas and in Singapore, and Act of Terrorism Cover. For more information, please refer to the Policy Wording.  
  1. How do you define a "child"?
A "child" is defined as someone who is unmarried and unemployed and is at least 3 months old and below 18 years old or up to 25 years of age if studying full-time in a recognised tertiary institution.
  1. How can I get emergency travel assistance when I am overseas?
As a policyholder, you are entitled to the following travel assistance services provided by Allianz Global Assistance . To access the service, simply dial the Emergency Services Hotline at +65 6327 2215 and quote your Policy Number. Consultation is free. Other third-party costs and expenses are covered under this Policy subject to the terms and conditions provided in the Policy Wording. Our Travel Information and Emergency Assistance Services comprise the following:
  • Pre-Trip Information Services
  • Inoculation Requirements & Visa Requirements
  • 24-hours Emergency General Travel Assistance (English & Mandarin)
  • Embassy Referral
  • Loss Luggage Assistance
  • Loss Passport Assistance
  • Emergency Message Transmission Assistance
  • Interpreter Referral
  • Telephone Medical Advice
  • Medical Service Provider Referral
  • Arrangement of Appointment with Local Doctors
  • Arrangement of Hospital Admission
  • Guarantee of Medical Expenses Incurred
  • Monitor Medical Condition during Hospitalization with Attending Physician
  1. Are there any exclusions under Tiq Travel?
Yes, there are exclusions such as hazardous occupations or those who participate in professional high-risk sports and extreme sports. We also do not cover the following countries: Afghanistan, Cuba, Democratic Republic of Congo, Republic of the Congo, Iran, Iraq, Liberia, Sudan, Somalia, South Sudan and Syria. Please refer to the Policy Wording for more information.  
  1. Do you cover pre-existing medical conditions?
Yes, we do! Pre-existing conditions are only covered for single trips with a duration of less then 30 days under the following sections:
  • Section 2: Medical Expenses Incurred Overseas
  • Section 4: Overseas Hospital income
  • Section 10: Emergency Medical Evacuation
  • Section 11: Repatriation of Mortal Remains to Singapore
The respective sub-limits would apply. Please refer to the Policy Wording for more information.
  1. What is the definition of "pre-existing medical conditions"?
The Insured Person(s) must meet all the following conditions to be eligible for Tiq Travel Insurance Pre-Ex cover:
    • (a) The Insured Person(s) is following their treating doctor’s advice for all their pre-existing medical condition. This includes not refusing or delaying any monitoring, medical appointment, medical test, medication, treatment or surgery.
    • (b) The Insured Person(s) does not have any medical condition or symptom which they have not consulted a doctor for or for which they are waiting for medical test, medical result, diagnosis, treatment or surgery.
    • (c) In the last 12 months, the Insured Person(s) does not have any pre-existing medical condition which has required them to:
      • receive treatment at a hospital’s Accident and Emergency Department more than once;
      • stay in a hospital as an inpatient for more than three days in a row; and
      • stay in a hospital as an inpatient for more than once.
  1. Will I be covered if I am going overseas for medical treatment?
No, we do not cover persons going overseas to receive medical treatment.
  1. What is a group plan?
A travel insurance Policy issued to you in respect of the Insured Persons named in the Schedule who are travelling as a group, with a maximum of 10 insured persons. If you have more than 10 insured persons, we will recommend for you to apply for 2 (or more) Group Plans (as required) (E.g. 18 insured persons will require 2 Group Plans). The Insured Persons under the Group Plan must travel together on a Trip. Group Plan is only available under Single Return Trip Policy for Pre-Ex Plans and Non Pre-Ex Plans.
  1. What is a family plan?
A single trip plan comprises a maximum of up to six (6) adults traveling with up to eight (8) children. The maximum number of Insured Person(s) under one Family plan is 10 persons. The adults need not be related but the child(ren) must be the Legal Child(ren) or grandchild to either of the adult Insured Person(s). All must depart from and return to Singapore together at the same time. For annual multi-trip plan, the Insured Person(s) will comprise You, Your Legal Spouse and any number of Your Legal Children. The child(ren) need not be accompanied by either of the parent for any trips made during the Period of Insurance. Family Plan is only available under non Pre-Ex plans.  
  1. What is a Married Couple Plan?
A Married Couple Plan can be bought by two adult individuals who are legally married. The Insured Persons must travel together. Married Couple Plan is only available under Single Return Trip Policy for Pre-Ex Plans and Non Pre-Ex Plans.
  1. What are the types of plans available?
Trip type: Single or Annual Multi-Trip (recommended for frequent travellers) Plan type: Individual, Family, Married Couple or Group Benefit type: Entry, Savvy, Luxury, Pre-Ex Entry, Pre-Ex Savvy, Pre-Ex Luxury Optional add-ons are available for all single trip plans:
  • Rental Car Excess Cover
  • Sports Equipment Protector
  • Child Education Cover
  • Pet Hotel Cover
For more information, please refer to the Policy Wording.
  1. What is an annual multi-trip plan?
An Annual Multi-Trip plan provides coverage for an unlimited number of overseas trip made within the policy year, provided that each trip is less than 90 consecutive days. This is available as an Individual Annual Multi-Trip Plan and a Family Annual Multi-Trip Plan.
  1. Can I purchase insurance for a one-way trip?
No, we do not cover one-way trips.
  1. Can I choose to only cover a portion of my trip if I am doing a multi-city trip?
No, your period of insurance must include your entire trip from the date of departure from Singapore to the date of arrival in Singapore.
  1. What kinds of leisure activies are covered under Tiq Travel Insurance?
The following leisure activities are covered:
  • Leisure scuba diving where the Insured Person(s) is diving no deeper than thirty (30) meters under the supervision of a qualified diving instructor; or the Insured Person(s) hold a PADI certification and He is diving within the certified depth under His PADI certification (but no deeper than 30 meters) and the Insured Person(s) is diving with a buddy or instructor who holds a PADI certification.
  • Hot air balloon ride, parachuting, sky diving, bungee jumping, hang-gliding, paragliding, and non-competitive winter sports.
  • Motorcycling where the Insured Person(s) hold a motorcycle license recognised by the country He is travelling in and provided that the Insured Person(s) wear a helmet at all times whilst motorcycling and abide by all applicable road laws of that country.
For more information, please refer to the Policy Wording.
  1. If I decide not to proceed with my trip, can I recover the premium paid for my policy?
For single trip policy, we will grant a full refund of the premium prior to the commencement of the Policy. There will be no refund for cancellation after the period of insurance has commenced. For annual multi-trip policy, we will grant a pro rata refund of the premium paid corresponding to the unexpired Period of Insurance as long as the amount to be refunded is at least $20 and no claim has been submitted prior to the cancellation of this Policy:
Months remaining on Your Policy 11 10-9 8-7 6-5 4-3 2
Refund of premium payable (%) 60 50 40 30 20 10
  1. Can I extend the period of cover if I decide to extend my trip whilst overseas?
Please contact our friendly Customer Care Consultants for further advice. For your convenience, you may chat with us via Whatsapp at +65 8677 8780. Our customer care operation hours are: Mondays - Fridays 8:45am - 5:30pm (Excluding Public Holidays)
  1. Can I change my travel commencement date?
Yes, you can change the commencement date only if you notify us prior to the commencement of your trip or effective date of coverage, whichever is sooner. Please contact our friendly Customer Care Consultants for this service.