BizTraveler

Key Benefits

In our highly globalized world, business travel is becoming ever more common. Accordingly, companies face greater risk of incurring substantial expenses resulting from emergency medical evacuation, flight diversions and other potential challenges. Thus, adequate corporate travel insurance is key for companies to cover unexpected travel expenses. Liberty’s BizTraveler also offers your employees the flexibility to enjoy the same comprehensive coverage when they extend their work trips for leisure.

1

Wide Range Of Travel Concerns

Including Personal Liability, trip cancelation, curtailment, rearrangement, disruption, travel or baggage delays, travel overbooking and flight misconnections

2

Liberty China Card

Which helps to waive hospital admission deposit at designated hospitals in China, Hong Kong and Taiwan

3

Flexibility for Extension

Option to allow extension of coverage for leisure travel

4

Employee Replacement Benefit

To cover additional costs incurred when a substitute employee is sent to complete work duties overseas

5

Overseas Medical Expenses

That are necessary due to an injury or sickness suffered while on a Trip Overseas during the Period of Insurance

6

Benefits extended to cover Covid-19

For more information go to the download button at the bottom of page

Find A Plan That Meets Your Needs

Description of Benefit	Plan 1	Plan 2	Plan 3

Personal Accident

Description of Benefit	Plan 1	Plan 2	Plan 3
Accidental Death and Permanent Disablement Compensates for accidental death or permanent disablement following Accidental bodily Injury	S$250,000	S$350,000	S$550,000
Accident Death and Permanent Disablement due to War	S$10,000	S$15,000	S$25,000
Terrorism Extension Covers death or bodily Injury, loss or damage in the event of terrorism, including the use of Nuclear, Chemical and/or Biological weapons whilst Overseas (Not applicable to: Emergency Medical Evacuation, Repatriation of Mortal Remains, Personal Liability)	Covered	Covered	Covered
Accidental Burns Benefit Compensates for third degree burns following Accidental bodily Injury	S$250,000	S$350,000	S$550,000
Fracture Benefit Compensates for fractures following Accidental bodily Injury	S$2,500	S$3,500	S$5,500
Accidental Death While Traveling In Common Carrier Compensates for Accidental death while traveling in a rail, sea or air conveyance as a fare-paying passenger	S$20,000	S$30,000	S$50,000
Compassionate Allowance Pays a lump sum allowance in the event of Insured Person’s Accidental death	S$3,000	S$4,000	S$5,000
Child Education Fund Pays a lump sum education fund to Insured Person’s dependent child in the event of his / her Accidental death	S$10,000	S$15,000	S$25,000

Medical

Description of Benefit	Plan 1	Plan 2	Plan 3
Overseas Medical Expenses Pays for medical, Hospital and Accidental dental expenses incurred whilst abroad as a result of Sickness or Injury	S$100,000	S$200,000	S$300,000
Medical Expenses Incurred Upon Return To Singapore Follow-up treatment within 31 days from return date or treatment sought within 3 days from return date and up to 31 days (if initial treatment is not sought Overseas)	S$5,000	S$8,000	S$10,000
Treatment by Traditional Chinese Medicine Practitioner and Chiropractor Pays Traditional Chinese Medicine (TCM) and Chiropractic expenses incurred whilst Overseas and follow-up treatment in Singapore	S$500	S$800	S$1,000
Hospital Daily Income Benefit (Overseas) Pays for each 24-hour period of Overseas Hospital confinement up to a limit of S$200 per day	S$5,000	S$8,000	S$10,000
Overseas Hospital Visit Pays for the cost of transportation and accommodation expenses of one relative or friend if the Insured Person is hospitalized for more than 5 days whilst Overseas	S$5,000	S$8,000	S$10,000
Overseas Compassionate Visit Pays for the cost of transportation and accommodation expenses of one relative or friend to assist in the preparation of the mortal remains	S$3,000	S$5,000	S$8,000

Evacuation and Repatriation

Description of Benefit	Plan 1	Plan 2	Plan 3
Liberty China Card Hospital admission deposit waived at designated hospitals in China, Hong Kong and Taiwan	Covered	Covered	Covered
Emergency Medical Evacuation Covers all expenses for emergency medical evacuation coordinated by Liberty Helpline (+65) 6636 1131	Unlimited	Unlimited	Unlimited
Repatriation of Mortal Remains Covers for cost of transporting Insured Person’s mortal remains or local burial at place of death	S$10,000	S$20,000	S$30,000
Emergency Telephone Charges Pays for telephone charges incurred as a result of medical emergency	S$100	S$200	S$300
24-hour Medical and Travel Assistance On referral and arrangement basis	Liberty Helpline: (+65) 6636 1131

Liability

Description of Benefit	Plan 1	Plan 2	Plan 3
Personal Liability Insures against third party claims for bodily Injury or property damage caused by Insured Person’s negligence whilst Overseas	S$500,000	S$800,000	S$1,000,000

Inconveniences

Description of Benefit	Plan 1	Plan 2	Plan 3
Trip Cancelation Pays for the non-refundable portion of travel costs paid in advance or administrative charges incurred due to Unforeseen Circumstances	S$5,000	S$8,000	S$10,000
Trip Curtailment Pays for the pro-rata amount for each complete day of the planned Trip lost due to Unforeseen Circumstances	S$5,000	S$8,000	S$10,000
Trip Rearrangement Pays the cost for the Insured Person to make a replacement business Trip where the original business Trip was curtailed due to Unforeseen Circumstances	S$5,000	S$8,000	S$10,000
Trip Disruption Pays for the pro-rata amount for each complete day of the planned Trip lost if the Insured Person is hospitalized Overseas for more than 5 days	S$3,000	S$5,000	S$7,000
Travel Delay Pays S$200 for each 6 full consecutive hours of delay whilst Overseas Pays maximum limit of S$200 for delay in Singapore if in excess of 6 full consecutive hours	S$1,000	S$1,000	S$1,000
Travel / Flight Misconnection Pays S$100 for each 6 full consecutive hours of delay whilst Overseas	S$1,000	S$1,000	S$1,000
Flight Diversion Pays S$100 for each 6 full consecutive hours if the scheduled flight is diverted whilst Overseas	S$1,000	S$1,000	S$1,000
Travel Overbooking Covers accommodation, meal and travel expenses if Insured Person is unable to board the scheduled transport due to overbooking	S$150	S$200	S$250
Baggage Delay Pays S$200 for each 6 full consecutive hours of delay whilst Overseas Pays maximum limit of S$200 for baggage delay upon return to Singapore if in excess of 6 full consecutive hours	S$1,000	S$1,000	S$1,000

Losses

Description of Benefit	Plan 1	Plan 2	Plan 3
Loss of or Damage to Baggage & Personal Effects Covers loss, damage or stolen baggage and personal effects sustained Overseas including golfing equipment Maximum S$1,000 for each item or set or pair of items	S$3,000	S$4,000	S$5,000
Loss of or Damage to Personal Portable Business Equipment Covers loss or damage to mobile phones, laptop computers and tablets Maximum S$1,000 for each item or set or pair of items	S$2,000	S$2,000	S$2,000
Loss of Personal Money and Travel Documents Covers loss of money whilst Overseas as a result of robbery, burglary/theft or due to Natural Disaster and pays for the cost of replacing Insured Person’s travel documents including the additional travel and hotel accommodation expenses incurred Loss of Personal Money is limited to S$500	S$1,000	S$2,000	S$3,000

Others

Description of Benefit	Plan 1	Plan 2	Plan 3
Employee Replacement Benefit Pays the cost of sending a replacement employee to continue the business of the Insured, in the event the Insured Person is unable to continue the business Trip	S$5,000	S$6,000	S$7,000
Bail Bond Facility Provides assistance in arranging a bail bond following the Insured Person’s arrest after a road Accident whilst Overseas	S$15,000	S$15,000	S$15,000
Hijack Benefit Pays S$200 for each 12 full consecutive hours if the Insured Person is hijacked on a Common Carrier	S$5,000	S$5,000	S$5,000
Quarantine following Infectious Diseases Pays S$50 for each complete day of quarantine whilst on a Trip Overseas or within 7 days upon returning to Singapore	S$350	S$700	S$1,000
Automatic Extension Automatically extends for 7 days if Trip is delayed due to Accident or Sickness suffered by the Insured Person or delay by scheduled transport	7 days	7 days	7 days

Annual Premium Table For Standard Lives Only (SGD)

Duration	Plan 1	Plan 2	Plan 3

Business Only

Duration	Plan 1	Plan 2	Plan 3
Asia Pacific	S$208	S$247	S$338
Worldwide	S$299	S$351	S$468

Business & Leisure

Duration	Plan 1	Plan 2	Plan 3
Asia Pacific	S$270	S$348	S$439
Worldwide	S$389	S$456	S$608

ASEAN means travel to or through the countries of Malaysia, Brunei,Indonesia, Thailand, Laos, Myanmar, Cambodia, Vietnam and Philippines
Asia Pacific means travel to or through ASEAN, China , Hong Kong, Taiwan, Macau, Japan, India, Sri Lanka, Pakistan, Australia, New Zealand, Mongolia, Tibet, Bhutan, South Korea, Nepal, Maldives, East Timor and Bangladesh
Worldwide means travel in, to or through any destinations in the world except Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan, Syria and Lebanon

The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions.

Notes

Eligibility

Available to Singaporeans, Singapore Permanent Residents and Employment
Pass Holders with valid passes and residing in Singapore
Age range from 18 to 75 years old
Applicable to employees on business Trips engaging in professional, administrative, managerial, clerical & non-manual work solely in offices or similar non-hazardous places

Other Notes

Maximum length of each Trip is 120 days
Minimum enrolment – 3 employees
Policy administrated on unnamed basis for group of 5 person and above
Exclude manual work, work on-board vessel or offshore activities
Exclude Pre-Existing Conditions
Maximum Aggregate Limit – S$10 million per Conveyance
If the Insured Person has more than one travel insurance policy underwritten by Us for the same Trip, We will only be liable for the policy which provides the highest benefit level