Newly introduced no-frills travel insurance plan
Provides the essential coverage to ensure peace of mind while travelling
Affordable coverage for budget-conscious travelers
Covid-19 cover under Overseas Medical Expenses, Emergency Medical Evacuation & Repatriation of Mortal Remains
Worldwide 24-Hour Emergency Medical and Travel Assistance

Talk to us for a great deal!

TourCare Essential

Introducing the simplified and budget-friendly version of our popular travel insurance, TourCare Plus. Designed for smart and budget-conscious travelers, TourCare Essential covers the essential aspects of travel while still providing reliable coverage. Select 1 of the 3 plans under TourCare Essential and travel with peace of mind, knowing that you have the perfect insurance for your upcoming travels.

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Personal Accident Coverage

Starting from S$100,000 coverage for accidental death and/or permanent disability

Medical Expenses Coverage

Incurred Overseas and Upon Return To Singapore, including treatment by Chinese Physician, Chiropractor &/or Physiotherapy. Overseas medical expenses extended to cover Covid-19

Travel Inconvenience Compensation

Be protected against trip cancellation, travel delay, loss/damage to baggage & personal effects

Emergency Medical Evacuation & Repatriation of Mortal Remains

Co-ordinated by Liberty Helpline

24-Hour Medical & Travel Assistance

Get medical assistance through our Liberty helpline while overseas

We have got your needs covered

Compare our plans and choose the one that suits you

Looking for coverage for pre-existing conditions or more comprehensive coverage? Check out TourCare Plus

Description of Benefits	Lite (Maximum Coverage S$)	Savvy (Maximum Coverage S$)	Xtra (Maximum Coverage S$)

Personal Accident

Description of Benefits	Lite (Maximum Coverage S$)	Savvy (Maximum Coverage S$)	Xtra (Maximum Coverage S$)
Personal Accident (Double Indemnity for Road Accident) Compensates for Accidental death or permanent disablement following Accidental bodily injury
- Per Individual Age 75 years & below - Per Individual Age 76 to 85 years - Per Insured Child (<25 years)	- S$100,000 - S$20,000* - S$20,000	- S$150,000 - S$30,000* - S$30,000	- S$200,000 - S$50,000* - S$50,000

Medical

Description of Benefits	Lite (Maximum Coverage S$)	Savvy (Maximum Coverage S$)	Xtra (Maximum Coverage S$)
Overseas Medical Expenses Pays for medical and hospital expenses incurred whilst abroad as a result of Sickness or Injury including treatment by Chinese Physician, Chiropractor and/or Physiotherapy (on referral basis) up to S$200 (Lite Plan) and S$300 (Savvy & Xtra Plan) per person per Trip
- Per Individual Age 75 years & below - Per Individual Age 76 to 85 years - Per Family	- S$50,000 - S$10,000* - S$200,000	- S$100,000 - S$20,000* - S$400,000	- S$150,000 - S$30,000* - S$600,000
Medical Expenses Incurred upon return to Singapore Follow-up treatment within 31 days from return date (following discharge from Overseas Hospital) or treatment sought within 24 consecutive hours from time of return to Singapore (if initial treatment was not sought overseas) and up to a maximum of 31 days from date of first medical treatment in Singapore. Including treatment by Chinese Physician, Chiropractor and/or Physiotherapy (on referral basis) up to S$300 per person per Trip
- Per Individual Age 75 years & below - Per Individual Age 76 to 85 years - Per Family	- N.A. - N.A. - N.A.	- S$10,000 - S$500* - S$40,000	- S$15,000 - S$1,000* - S$60,000
Overseas Hospital Visit Pays for the cost of transportation of one relative or friend if the insured is hospitalised for more than 5 consecutive days whilst Overseas
- Per Individual - Per Family	- N.A. - N.A.	- S$1,000 - S$2,000	- S$2,000 - S$4,000
Additional Accommodation Expenses Pays for the hotel accommodation incurred by one relative or friend if the insured is hospitalised for more than 5 consecutive days whilst Overseas, up to a limit of S$300 per day (Savvy Plan) or S$500 per day (Xtra Plan)
- Per Individual - Per Family	- N.A. - N.A.	- S$1,500 - S$1,500	- S$2,000 - S$2,000
Overseas Compassionate Visit Pays for the cost of transportation of one relative or friend to assist in the preparation of the mortal remains
- Per Individual - Per Family	- N.A. - N.A.	- S$1,000 - S$2,000	- S$2,000 - S$4,000
Child Guard Pays for the cost of returning unattended child back to the home country or country of residence
- Per Individual - Per Family	- N.A. - N.A.	- S$1,000 - S$2,000	- S$2,000 - S$4,000
Hospital Daily Income Benefit (Overseas) Pays for each 24-hour period of Overseas Hospital confinement up to a limit of S$100 per day subject to a maximum of 50 days (Savvy Plan) or a maximum of 150 days (Xtra Plan)
- Per Individual - Per Family	- N.A. - N.A.	- S$5,000 - S$5,000	- S$15,000 - S$15,000
Hospital Daily Income Benefit (Singapore) Pays for each 24-hour period of hospital confinement (more than 5 consecutive days) upon immediate return to Singapore up to a limit of S$50 per day subject to a maximum of 5 days (Savvy Plan) or a maximum of 10 days (Xtra Plan)
- Per Individual - Per Family	- N.A. - N.A.	- S$250 - S$250	- S$500 - S$500
Medical Expenses for Pregnancy-Related Sickness Pays for medical expenses for pregnancy related Sickness
- Per Individual - Per Family	- N.A. - N.A.	- S$1,000 - S$1,000	- S$2,000 - S$2,000
24-hour Medical Assistance On referral or arrangement basis
- Per Individual - Per Family	Liberty Helpline	Liberty Helpline	Liberty Helpline
Emergency Telephone Expenses Pays for telephone charges as a result of a medical emergency
- Per Individual - Per Family	- S$100 - S$100	- S$100 - S$100	- S$100 - S$100
Emergency Medical Evacuation Covers all expenses for emergency medical evacuation coordinated by Liberty Helpline: (65) 6636 1131
- Per Individual Age 75 years & below - Per Individual Age 76 to 85 years - Per Family	- S$100,000 - S$50,000* - S$150,000	- Unlimited - S$100,000* - Unlimited	- Unlimited - S$100,000* - Unlimited
Repatriation of Mortal Remains Covers for the cost of transporting Insured’s mortal remains or local burial at the place of death
- Per Individual Age 75 years & below - Per Individual Age 76 to 85 years - Per Family	- S$10,000 - S$5,000* - S$10,000	- Unlimited - S$10,000* - Unlimited	- Unlimited - S$10,000* - Unlimited

Liability

Description of Benefits	Lite (Maximum Coverage S$)	Savvy (Maximum Coverage S$)	Xtra (Maximum Coverage S$)
Personal Liability Insures against third party claims for bodily injury or property damage caused by insured’s negligence whilst Overseas
- Per Individual - Per Family	- S$250,000 - S$250,000	- S$500,000 - S$500,000	- S$500,000 - S$500,000

Inconveniences

Description of Benefits	Lite (Maximum Coverage S$)	Savvy (Maximum Coverage S$)	Xtra (Maximum Coverage S$)
Trip Cancellation / Postponement Pays for the non-refundable portion of travels costs paid in advance or administrative charges incurred due to Unforeseen Circumstances. The maximum amount We will pay under Trip Postponement is S$300 (Lite Plan) or S$1,000 (Savvy & Xtra Plan) Per Individual/Per Family
- Per Individual - Per Family	- S$1,000 - S$3,000	- S$3,000 - S$6,000	- S$5,000 - S$10,000
Trip Curtailment Pays for the pro-rata amount for each complete day of the planned Trip lost due to Unforeseen Circumstances
- Per Individual - Per Family	- S$1,000 - S$3,000	- S$3,000 - S$6,000	- S$5,000 - S$10,000
Alternative Trip Arrangement Pays the additional travel cost incurred for alternative transportation to continue the planned Trip if the scheduled transport is cancelled or delayed for more than 24 hours
- Per Individual - Per Family	- N.A. - N.A.	- S$500 - S$1,000	- S$500 - S$1,000
Trip Disruption Pays for the pro-rata amount for each complete day of the planned Trip lost if the insured person is hospitalised Overseas for more than 5 consecutive days
- Per Individual - Per Family	- N.A. - N.A.	- S$2,000 - S$4,000	- S$3,000 - S$5,000
Travel / Flight Misconnection Pays for the full 6 consecutive hours of scheduled transport delayed while Overseas
- Per Individual - Per Family	- N.A. - N.A.	- S$150 - S$150	- S$200 - S$200
Travel Delay Pays S$100 for each full 6 consecutive hours if departure of the scheduled transport is delayed whilst Overseas - Lite Plan Pays maximum limit of S$100 for travel delay in Singapore if delay is in excess of 6 full consecutive hours - Savvy and Xtra Plan Pays maximum limit of S$150 for travel delay in Singapore if delay is in excess of 6 full consecutive hours
- Per Individual - Per Family	- S$500 - S$500	- S$800 - S$800	- S$1,000 - S$1,000
Flight Diversion Pays S$100 for each full 6 consecutive hours if the scheduled flight is diverted whilst Overseas
- Per Individual - Per Family	- N.A. - N.A.	- S$500 - S$500	- S$1,000 - S$1,000
Travel Overbooking Covers accommodation, meal and travel expenses if the insured person is unable to board the scheduled flight due to overbooking			S$200
- Per Individual - Per Family	- N.A. - N.A.	- S$100 - S$200	- S$150 - S$300
Emergency Purchases Pays for emergency purchase of essential personal items if insured person’s baggage is stolen or permanently lost
- Per Individual - Per Family	- N.A. - N.A.	- S$250 - S$500	- S$250 - S$500
Baggage Delay Pays S$100 for each full 6 consecutive hours if insured person's checked-in baggage is delayed whilst Overseas - Lite Plan Pays maximum limit of S$100 for baggage delay upon return to Singapore if delay is in excess of 6 full consecutive hours. - Savvy and Xtra Plan Pays maximum limit of S$150 for baggage delay upon return to Singapore if delay is in excess of 6 full consecutive hours.
- Per Individual - Per Family	- S$500 - S$500	- S$800 - S$800	- S$1.000 - S$1,000
24-hour Travel Assistance On referral or arrangement basis
- Per Individual - Per Family	Liberty Helpline	Liberty Helpline	Liberty Helpline

Losses

Description of Benefits	Lite (Maximum Coverage S$)	Savvy (Maximum Coverage S$)	Xtra (Maximum Coverage S$)
Loss of Personal Money Covers for loss of money whilst Overseas as a result of a robbery, burglary/theft or due to Natural Disaster
- Per Individual - Per Family	- S$100 - S$200	- S$150 - S$300	- S$200 - S$400
Loss of Travel Documents Pays for the cost of replacing the insured person’s travel documents including the additional travel and hotel accommodation expenses incurred
- Per Individual - Per Family	- S$500 - S$1,000	- S$1,000 - S$3,000	- S$2,000 - S$4,000
Loss of or Damage to Baggage & Personal Effects - Lite Plan Covers loss, damage or stolen baggage and personal effects sustained Overseas including golfing equipment and laptop computer (maximum of S$250 for each item or set of pair of items including laptop computer) - Savvy and Xtra Plan Covers loss, damage or stolen baggage and personal effects sustained Overseas including golfing equipment and laptop computer (maximum of S$500 for each item or set of pair of items; maximum of S$1,000 for laptop computer)
- Per Individual - Per Family	- S$500 - S$1,000	- S$1,000 - S$2,000	- S$2,000 - S$4,000
Rental Vehicle Excess Cover Covers for the excess or deductible which insured person may legally liable to pay in respect of accidental loss or damage to rental vehicle
- Per Individual - Per Family	- N.A. - N.A.	- S$500 - S$500	- S$1,000 - S$1,000
Closure of Travel Agent Pays for loss of travel related expenses paid in advance as a result of financial collapse or default of the travel agent in Singapore
- Per Individual - Per Family	- S$1,000 - S$2,000	- S$2,000 - S$4,000	- S$4,000 - S$8,000
Home Guard Covers for loss or damage to the household contents in Singapore residence due to fire whilst residence was left vacant for full duration of trip
- Per Individual - Per Family	- N.A. - N.A.	- S$1,000 - S$1,000	- S$2,000 - S$2,000
Hijack Benefit Pays an allowance if the aircraft in which the insured person is traveling is hijacked for more than 12 consecutive hours. Limit per 12–hour period of S$50 (Savvy Plan) or S$100 (Xtra Plan).
- Per Individual - Per Family	- N.A. - N.A.	- S$500 - S$1,000	- S$1,000 - S$2,000
Automatic Extension Automatically extends for 7 days if Trip is delayed due to Accident, Sickness suffered by insured person or delay by scheduled airline
- Per Individual - Per Family	7 days	7 days	7 days
Disruption / Withdrawal of Hotel Services Pays S$100 for each 24-hour period in the event of disruption or withdrawal of hotel services as a result of strike or riot at the travel destination
- Per Individual - Per Family	- N.A. - N.A.	- S$200 - S$200	- S$200 - S$200
Kidnap Benefit Pays S$100 for each 24-hour period in the event that the insured person is held hostage
- Per Individual - Per Family	- N.A. - N.A.	- S$500 - S$1,000	- S$1,000 - S$2,000
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 Section 13, 14 & 15)
- Per Individual - Per Family	Covered	Covered	Covered
Quarantine Following Infectious Diseases Including Covid-19 Pays S$50 for each complete day of quarantine whilst on a Trip Overseas or within 7 days upon returning to Singapore
- Per Individual - Per Family	- N.A. - N.A.	- S$250 - S$500	- S$350 - S$700

Covid-19

Description of Benefits	Lite (Maximum Coverage S$)	Savvy (Maximum Coverage S$)	Xtra (Maximum Coverage S$)
Overseas Medical Expenses; Emergency Medical Evacuation & Repatriation of Mortal Remains (due to Covid-19) Pays for expenses incurred Overseas for medical, hospital, emergency medical evacuation and repatriation of mortal remains if the insured is diagnosed with Covid-19
- Per Individual Age 75 years & below - Per Individual Age 76 to 85 years - Per Family	- S$30,000 - S$10,000* - S$60,000	- S$50,000 - S$20,000* - S$100,000	- S$75,000 - S$30,000* - S$150,000

*Reduced limit applies to insured person from age 76 to 85 years under Individual or Family plan
The amounts listed in the benefits table are the maximum coverage payable for each benefit
The Per Family amount is the aggregate amount. We will pay under the Family cover during any one Trip. Each Insured Person in the Family plan will still be subjected to the Per Individual amount as shown in the above benefits table

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

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Important Information

Please read carefully before purchasing TourCare Essential

Eligibility

The Policy is available to Singapore Citizens, Permanent Residents of Singapore or foreigners with valid Employment Pass, Work Permit, Dependent Pass or Student Pass permanently residing in Singapore. The Policy does not cover any person under the age of 6 months or over the age of 85 years

Definitions

Family
- For Single Trip Policies – Maximum 2 adults traveling with no limit on the number of Children. The 2 insured adults need not be related but the child(ren) must belong to only one of the insured adults
- For Annual Travel Policies – For an insured, legal spouse and any number of Children. The Child(ren) must be accompanied by either one of the insured adults for any trips made during the Period of Insurance
- Child insured under a Family plan refers to dependent Child under the age of 21 years who is unmarried and unemployed or up to 25 years of age who is in continuous full-time education in a recognized institution of higher learning. Their sum insured under Section 1 – Personal Accident will be reduced to S$20,000 (Lite Plan), S$30,000 (Savvy Plan) or S$50,000 (Xtra Plan)
Single Trip Policy
A Period of Insurance for a specified Trip which begins from the Commencement Date and ends on the Expiry Date and the duration of the Trip shall not exceed 120 days. No refund of premium is allowed once the Policy has been issued.
Annual Travel Policy
The maximum length of each Trip Overseas for an Annual Travel Policy is 90 days. There is no limit on the number of Trips made during the Period of Insurance. We will refund the premium based on short-term rate, subject to no claims made under the Policy.
One-way Trip Policy
Coverage ceases upon the Expiry Date stated on the Policy Schedule/Certificate of Insurance or upon Insured Person reaching his/her place of residence or business at the final destination shown on the ticket, whichever is the earlier
Area of Travel
- ASEAN - Malaysia, Brunei, Indonesia, Thailand, Laos, Cambodia, Vietnam and Philippines
- Asia Pacific - 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 - Worldwide including ASEAN and Asia Pacific but excludes travel to, within and/or transit through any of the following countries: Afghanistan, Belarus, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Lebanon, Myanmar, North Korea, Russia, Sudan, Syria, Venezuela, Crimea, Donbas - Donetsk, Kherson, Luhansk and Zaporizhzhia regions, Ukraine

Notes

Trip must start and end in Singapore (Single Trip Policy and Annual Travel Policy). Cover must be purchased before departing Singapore
The Insured Person must not be traveling against the advice of any Medical Practitioner or for the purpose of seeking medical treatment
We do not cover:
- Pre-Existing Conditions
- known events which have already happened or have been made known by media or relevant authorities
- Trips undertaken against travel advisory issued by local/Overseas government or health authorities
- if the Insured Person is aware or ought to be aware of any circumstances which could lead to possible claim under the Policy prior to purchasing the Policy or arranging the Trip
- Extreme Sports/Activities and/or any professional sports or any sporting activities where Insured Person would or could earn or receive remuneration, donation, sponsorship, award, certificate or financial rewards of any kind
- Coverage must be effected before leaving Singapore.
- 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.
Annual Travel Policy is not available to those person age above 75 years old.
Coverage is extended to persons on business Trips engaging in professional, administrative, managerial, clerical & non-manual work solely in offices or similar non-hazardous places. The Policy does not cover any person engaged in manual work
Sum insured under Section 1 – Personal Accident is reduced to S$20,000 (Lite Plan), S$30,000 (Savvy Plan) or S$50,000 (Xtra Plan) for children age 17 years and below if the Child is insured under Individual plan
Trip Cancelation/Postponement (Section 16) and Closure of Travel Agent (Section 31) coverage commences 30 days and 60 days respectively before the Commencement Date or on the Policy issuance date, provided that it was purchased 3 days before the departure date (date of departure inclusive), whichever is later
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

Policy Owners' Protection Scheme

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us (servicecenter@libertyinsurance.com.sg) or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Comparison of TourCare Essential vs. TourCare Plus