Enjoy 25% Discount for all Single Trip and Annual Policies
Comprehensive benefits with wide coverage
Extended to cover Pre-Existing Condition
Covid-19 cover before and during your trip
Worldwide 24-Hour Emergency Medical and Travel Assistance

Talk to us for a great deal!

TourCare Plus

With Liberty's travel insurance for international travel, you can travel the world with your family with peace of mind. Be it a three-day getaway to a beach resort in Bali or a month-long vacation in Europe, the last thing you want is to worry about flight diversions, accidents, lost baggage and other travel inconveniences. TourCare Plus takes care of all this, so you can explore the world worry-free.

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Personal Accident Coverage

Compensates up to S$300,000 for accidental death or permanent disability

Hospital Daily Income Benefit

Compensates for each 24-hour period of hospital confinement overseas and upon immediate return to Singapore

Travel Inconvenience Compensation

Be protected against trip interruptions and cancellations, as well as loss of important documents and personal effects

Overseas Medical Expenses (Extended to Cover Pre-Existing Condition)

Be covered for medical expenses overseas and upon return to Singapore, including treatment by Chinese Physician and Chiropractor

24-Hour Medical & Travel Assistance

Get medical assistance through our Liberty helpline while overseas

Emergency Medical Evacuation and Repatriation of Mortal Remains (Extended to Cover Pre-Existing Condition)

Coordinated by Liberty Helpline

Covid-19 Benefits

Extension of benefits to cover specific claims related directly to Covid-19

We have got your needs covered

Compare our plans and choose the one that suits you

Per Individual
• Age 75 years & below

Description of Benefits	Standard (Maximum Coverage (S$)	Supreme (Maximum Coverage (S$)

Personal Accident

Description of Benefits	Standard (Maximum Coverage (S$)	Supreme (Maximum Coverage (S$)
Personal Accident (Double Indemnity for Road Accident) Compensates for Accidental death or permanent disablement following Accidental bodily injury	S$150,000	S$300,000

Medical

Description of Benefits	Standard (Maximum Coverage (S$)	Supreme (Maximum Coverage (S$)
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$500 per person Per Trip Special Extension for Overseas Medical Expenses due to an acute onset of a Pre-Existing Condition^#	S$250,000 S$50,000	S$500,000 S$100,000
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 3 days from return date and up to 31 days (if initial treatment is not sought overseas). Including treatment by Chinese Physician, Chiropractor and/or Physiotherapy (on referral basis) up to S$500 per person per Trip	S$15,000	S$25,000
Overseas Hospital Visit Pays for the cost of transportation of one relative or friend if the insured is hospitalised for more than 5 days whilst Overseas	S$3,000	S$5,000
Additional Accommodation Expenses Pays for the hotel accommodation incurred by one relative or friend if the insured is hospitalised for more than 5 days whilst Overseas, up to a limit of S$400 per day (Standard Plan) or S$1,000 per day (Supreme Plan)	S$2,000	S$5,000
Overseas Compassionate Visit Pays for the cost of transportation of one relative or friend to assist in the preparation of the mortal remains	S$3,000	S$5,000
Child Guard Pays for the cost of returning unattended child back to the home country or country of residence	S$3,000	S$5,000
Hospital Daily Income Benefit (Overseas) Pays for each 24-hour period of Overseas Hospital confinement up to a limit of S$200 per day subject to a maximum of 50 days (Standard Plan) or a maximum of 150 days (Supreme Plan)	S$10,000	S$30,000
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$100 per day subject to a maximum of 5 days (Standard Plan) or a maximum of 10 days (Supreme Plan)	S$500	S$1,000
Medical Expenses for Pregnancy-Related Sickness Pays for medical expenses for pregnancy-related Sickness	S$2,500	S$5,000
24-hour Medical Assistance On referral or arrangement basis	Liberty Helpline	Liberty Helpline
Emergency Telephone Expenses Pays for telephone charges as a result of a medical emergency	S$100	S$100
Emergency Medical Evacuation Covers all expenses for emergency medical evacuation coordinated by Liberty Helpline: (65) 6636 1131	Unlimited	Unlimited
Emergency Medical Evacuation Special Extension for emergency medical evacuation due to an acute onset of a Pre-Existing Condition^#	S$200,000	S$200,000
Repatriation of Mortal Remains Covers for the cost of transporting Insured’s mortal remains or local burial at the place of death	Unlimited	Unlimited
Repatriation of Mortal Remains Special Extension for Repatriation of Mortal Remains due to an acute onset of a Pre-Existing Condition^#	S$50,000	S$50,000

Liability

Description of Benefits	Standard (Maximum Coverage (S$)	Supreme (Maximum Coverage (S$)
Personal Liability Insures against third party claims for bodily injury or property damage caused by insured’s negligence whilst Overseas	S$500,000	S$1,000,000

Inconveniences

Description of Benefits	Standard (Maximum Coverage (S$)	Supreme (Maximum Coverage (S$)
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 We will pay under Trip Postponement is S$500 (Standard Plan) or S$1,000 (Supreme Plan) Per Individual/Per Family	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	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	S$500	S$500
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	S$3,000	S$5,000
Travel / Flight Misconnection Pays for the full 6 consecutive hours of scheduled transport delayed while Overseas	S$200	S$200
Travel Delay Pays S$100 for each full 6 consecutive hours if the departure of the scheduled transport is delayed whilst Overseas Pays maximum limit of S$150 for travel delay in Singapore if delay is in excess of 6 full consecutive hours	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	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$150	S$200
Emergency Purchases Pays for emergency purchase of essential personal items if insured person’s baggage is stolen or permanently lost	S$250	S$500
Baggage Delay Pays S$200 for each full 6 consecutive hours if insured person’s checked-in baggage is delayed whilst Overseas Pays maximum limit of S$200 for baggage delay upon return to Singapore if delay is in excess of 6 full consecutive hours	S$1,000	S$1,000
24-hour Travel Assistance On referral or arrangement basis	Liberty Helpline	Liberty Helpline

Losses

Description of Benefits	Standard (Maximum Coverage (S$)	Supreme (Maximum Coverage (S$)
Loss of Personal Money Covers for loss of money whilst Overseas as a result of a robbery, burglary/theft or due to Natural Disaster	S$250	S$500
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	S$3,000	S$5,000
Loss of or Damage to Baggage & Personal Effects 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 or pair of items; maximum of S$1,000 for laptop computer)	S$3,000	S$5,000
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	S$1,500	S$3,000
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	S$5,000	S$10,000
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	S$2,500	S$5,000
Hijack Benefit Pays an allowance if the aircraft in which the insured person is travelling is hijacked for more than 12 consecutive hours Limit per 12–hour period of S$100 (Standard Plan) or S$200 (Supreme Plan)	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	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	S$200	S$200
Kidnap Benefit Pays S$250 for each 24-hour period in the event that the insured person is held hostage	S$3,000	S$5,000
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)	Covered	Covered
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
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	S$100,000	S$150,000
Trip Cancellation/Postponement (due to Covid-19) Pays for the non-refundable portion of travels costs paid in advance or administrative charges incurred if the insured is diagnosed with Covid-19 within seven (7) days before the Commencement Date The maximum amount We will pay under Trip Postponement is S$500 (Standard Plan) or S$1,000 (Supreme Plan) Per Individual/Per Family	S$2,000	S$4,000
Trip Curtailment (due to Covid-19) Pays for the pro-rata amount for each complete day of the planned Trip lost if the insured is diagnosed with Covid-19 whilst Overseas	S$2,000	S$4,000
Trip Disruption (due to Covid-19) Pays for the pro-rata amount for each complete day of the planned Trip lost if the insured person is diagnosed with Covid-19 and hospitalised Overseas for more than 5 consecutive days	S$1,000	S$2,000
Overseas Quarantine Allowance (due to Covid-19) Pays S$50 (per Insured Person per day) for each complete day of Quarantine whilst on a Trip Overseas	S$350	S$700

*Reduced limit applies to insured person from age 76 to 85 years under Individual or Family plan
^# Amount under the Special Extension section is the sub-limit of the benefit maximum coverage

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
Pre-existing medical conditions will not be covered except under Special Extension of Sections 2, 13 and 14
Coverage intended for overseas and not in Singapore

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

Per Individual
• Age 76 to 85 years

Description of Benefits	Standard (Maximum Coverage (S$)	Supreme (Maximum Coverage (S$)

Personal Accident

Description of Benefits	Standard (Maximum Coverage (S$)	Supreme (Maximum Coverage (S$)
Personal Accident (Double Indemnity for Road Accident) Compensates for Accidental death or permanent disablement following Accidental bodily injury	S$50,000^*	S$100,000^*

Medical

Description of Benefits	Standard (Maximum Coverage (S$)	Economy (Maximum Coverage (S$)
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$500 per person Per Trip Special Extension for Overseas Medical Expenses due to an acute onset of a Pre-Existing Condition^#	S$50,000^* S$25,000^*	S$75,000^* S$50,000^*
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 3 days from return date and up to 31 days (if initial treatment is not sought overseas). Including treatment by Chinese Physician, Chiropractor and/or Physiotherapy (on referral basis) up to S$500 per person per Trip	S$1,000^*	S$2,500^*
Overseas Hospital Visit Pays for the cost of transportation of one relative or friend if the insured is hospitalised for more than 5 days whilst Overseas	S$3,000	S$5,000
Additional Accommodation Expenses Pays for the hotel accommodation incurred by one relative or friend if the insured is hospitalised for more than 5 days whilst Overseas, up to a limit of S$400 per day (Standard Plan) or S$1,000 per day (Supreme Plan)	S$2,000	S$5,000
Overseas Compassionate Visit Pays for the cost of transportation of one relative or friend to assist in the preparation of the mortal remains	S$3,000	S$5,000
Child Guard Pays for the cost of returning unattended child back to the home country or country of residence	S$3,000	S$5,000
Hospital Daily Income Benefit (Overseas) Pays for each 24-hour period of Overseas Hospital confinement up to a limit of S$200 per day subject to a maximum of 50 days (Standard Plan) or a maximum of 150 days (Supreme Plan)	S$10,000	S$30,000
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$100 per day subject to a maximum of 5 days (Standard Plan) or a maximum of 10 days (Supreme Plan)	S$500	S$1,000
Medical Expenses for Pregnancy-Related Sickness Pays for medical expenses for pregnancy-related Sickness	S$2,500	S$5,000
24-hour Medical Assistance On referral or arrangement basis	Liberty Helpline	Liberty Helpline
Emergency Telephone Expenses Pays for telephone charges as a result of a medical emergency	S$100	S$100
Emergency Medical Evacuation Covers all expenses for emergency medical evacuation coordinated by Liberty Helpline: (65) 6636 1131	S$100,000^*	S$150,000^*
Emergency Medical Evacuation Special Extension for emergency medical evacuation due to an acute onset of a Pre-Existing Condition^#	S$100,000^*	S$100,000^*
Repatriation of Mortal Remains Covers for the cost of transporting Insured’s mortal remains or local burial at the place of death	S$15,000^*	S$30,000^*
Repatriation of Mortal Remains Special Extension for Repatriation of Mortal Remains due to an acute onset of a Pre-Existing Condition^#	S$20,000^*	S$20,000^*

Liability

Description of Benefits	Standard (Maximum Coverage (S$)	Supreme (Maximum Coverage (S$)
Personal Liability Insures against third party claims for bodily injury or property damage caused by insured’s negligence whilst Overseas	S$500,000	S$1,000,000

Inconveniences

Description of Benefits	Standard (Maximum Coverage (S$)	Supreme (Maximum Coverage (S$)
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 We will pay under Trip Postponement is S$500 (Standard Plan) or S$1,000 (Supreme Plan) Per Individual/Per Family	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	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	S$500	S$500
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	S$3,000	S$5,000
Travel / Flight Misconnection Pays for the full 6 consecutive hours of scheduled transport delayed while Overseas	S$200	S$200
Travel Delay Pays S$100 for each full 6 consecutive hours if the departure of the scheduled transport is delayed whilst Overseas Pays maximum limit of S$150 for travel delay in Singapore if delay is in excess of 6 full consecutive hours	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	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$150	S$200
Emergency Purchases Pays for emergency purchase of essential personal items if insured person’s baggage is stolen or permanently lost	S$250	S$500
Baggage Delay Pays S$200 for each full 6 consecutive hours if insured person’s checked-in baggage is delayed whilst Overseas Pays maximum limit of S$200 for baggage delay upon return to Singapore if delay is in excess of 6 full consecutive hours	S$1,000	S$1,000
24-hour Travel Assistance On referral or arrangement basis	Liberty Helpline	Liberty Helpline

Losses

Description of Benefits	Standard (Maximum Coverage (S$)	Supreme (Maximum Coverage (S$)
Loss of Personal Money Covers for loss of money whilst Overseas as a result of the robbery, burglary/theft or due to Natural Disaster	S$250	S$500
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	S$3,000	S$5,000
Loss of or Damage to Baggage & Personal Effects 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 or pair of items; maximum of S$1,000 for laptop computer)	S$3,000	S$5,000
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 the rental vehicle	S$1,500	S$3,000
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	S$5,000	S$10,000
Home Guard Covers for loss or damage to the household contents in Singapore residence due to fire whilst residence was left vacant for the full duration of the trip	S$2,500	S$5,000
Hijack Benefit Pays an allowance if the aircraft in which the insured person is travelling is hijacked for more than 12 consecutive hours Limit per 12–hour period of S$100 (Standard Plan) or S$200 (Supreme Plan)	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	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 travel destination	S$200	S$200
Kidnap Benefit Pays S$250 for each 24-hour period in the event that the insured person is held hostage	S$3,000	S$5,000
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)	Covered	Covered
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
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	S$50,000	S$75,000
Trip Cancellation/Postponement (due to Covid-19) Pays for the non-refundable portion of travels costs paid in advance or administrative charges incurred if the insured is diagnosed with Covid-19 within seven (7) days before the Commencement Date The maximum amount We will pay under Trip Postponement is S$500 (Standard Plan) or S$1,000 (Supreme Plan) Per Individual/Per Family	S$2,000	S$4,000
Trip Curtailment (due to Covid-19) Pays for the pro-rata amount for each complete day of the planned Trip lost if the insured is diagnosed with Covid-19 whilst Overseas	S$2,000	S$4,000
Trip Disruption (due to Covid-19) Pays for the pro-rata amount for each complete day of the planned Trip lost if the insured person is diagnosed with Covid-19 and hospitalised Overseas for more than 5 consecutive days	S$1,000	S$2,000
Overseas Quarantine Allowance (due to Covid-19) Pays S$50 (per Insured Person per day) for each complete day of Quarantine whilst on a Trip Overseas	S$350	S$700

^* Reduced limit applies to insured person from age 76 to 85 years under Individual or Family plan
^# Amount under the Special Extension section is the sub-limit of the benefit maximum coverage

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
Pre-existing medical conditions will not be covered except under Special Extension of Sections 2, 13 and 14
Coverage intended for overseas and not in Singapore

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

Per Family

Description of Benefits	Standard (Maximum Coverage (S$)	Supreme (Maximum Coverage (S$)

Personal Accident

Description of Benefits	Standard (Maximum Coverage (S$)	Supreme (Maximum Coverage (S$)
Personal Accident (Double Indemnity for Road Accident) Compensates for Accidental death or permanent disablement following Accidental bodily injury Age 75 years & below	S$150,000	S$300,000
Age 76 to 85 years	S$50,000^*	S$100,000^*
Insured Child (<25 years)	S$50,000	S$100,000

Medical

Description of Benefits	Standard (Maximum Coverage (S$)	Supreme (Maximum Coverage (S$)
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$500 per person Per Trip Special Extension for Overseas Medical Expenses due to an acute onset of a Pre-Existing Condition^#	S$500,000 S$100,000	S$800,000 S$150,000
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 3 days from return date and up to 31 days (if initial treatment is not sought overseas). Including treatment by Chinese Physician, Chiropractor and/or Physiotherapy (on referral basis) up to S$500 per person per Trip	S$30,000	S$50,000
Overseas Hospital Visit Pays for the cost of transportation of one relative or friend if the insured is hospitalised for more than 5 days whilst Overseas	S$6,000	S$10,000
Additional Accommodation Expenses Pays for the hotel accommodation incurred by one relative or friend if the insured is hospitalised for more than 5 days whilst Overseas, up to a limit of S$400 per day (Standard Plan) or S$1,000 per day (Supreme Plan)	S$2,000	S$5,000
Overseas Compassionate Visit Pays for the cost of transportation of one relative or friend to assist in the preparation of the mortal remains	S$6,000	S$10,000
Child Guard Pays for the cost of returning unattended child back to the home country or country of residence	S$6,000	S$10,000
Hospital Daily Income Benefit (Overseas) Pays for each 24-hour period of Overseas Hospital confinement up to a limit of S$200 per day subject to a maximum of 50 days (Standard Plan) or a maximum of 150 days (Supreme Plan)	S$10,000	S$30,000
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$100 per day subject to a maximum of 5 days (Standard Plan) or a maximum of 10 days (Supreme Plan)	S$500	S$1,000
Medical Expenses for Pregnancy-Related Sickness Pays for medical expenses for pregnancy-related Sickness	S$2,500	S$5,000
24-hour Medical Assistance On referral or arrangement basis	Liberty Helpline	Liberty Helpline
Emergency Telephone Expenses Pays for telephone charges as a result of a medical emergency	S$100	S$100
Emergency Medical Evacuation Covers all expenses for emergency medical evacuation coordinated by Liberty Helpline: (65) 6636 1131	Unlimited	Unlimited
Emergency Medical Evacuation Special Extension for emergency medical evacuation due to an acute onset of a Pre-Existing Condition^#	S$500,000	S$500,000
Repatriation of Mortal Remains Covers for the cost of transporting Insured’s mortal remains or local burial at the place of death	Unlimited	Unlimited
Repatriation of Mortal Remains Special Extension for Repatriation of Mortal Remains due to an acute onset of a Pre-Existing Condition^#	S$200,000	S$200,000

Liability

Description of Benefits	Standard (Maximum Coverage (S$)	Supreme (Maximum Coverage (S$)
Personal Liability Insures against third party claims for bodily injury or property damage caused by insured’s negligence whilst Overseas	S$500,000	S$1,000,000

Inconveniences

Description of Benefits	Standard (Maximum Coverage (S$)	Supreme (Maximum Coverage (S$)
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 We will pay under Trip Postponement is S$500 (Standard Plan) or S$1,000 (Supreme Plan) Per Individual/Per Family	S$10,000	S$20,000
Trip Curtailment Pays for the pro-rata amount for each complete day of the planned Trip lost due to Unforeseen Circumstances	S$10,000	S$20,000
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	S$1,000	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	S$5,000	S$8,000
Travel / Flight Misconnection Pays for the full 6 consecutive hours of scheduled transport delayed while Overseas	S$200	S$200
Travel Delay Pays S$100 for each full 6 consecutive hours if the departure of the scheduled transport is delayed whilst Overseas Pays maximum limit of S$150 for travel delay in Singapore if delay is in excess of 6 full consecutive hours	S$1,000	S$2,000
Flight Diversion Pays S$100 for each full 6 consecutive hours if the scheduled flight is diverted whilst Overseas	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$300	S$400
Emergency Purchases Pays for emergency purchase of essential personal items if insured person’s baggage is stolen or permanently lost	S$500	S$1,000
Baggage Delay Pays S$200 for each full 6 consecutive hours if insured person’s checked-in baggage is delayed whilst Overseas Pays maximum limit of S$200 for baggage delay upon return to Singapore if delay is in excess of 6 full consecutive hours	S$1,000	S$1,000
24-hour Travel Assistance On referral or arrangement basis	Liberty Helpline	Liberty Helpline

Losses

Description of Benefits	Standard (Maximum Coverage (S$)	Supreme (Maximum Coverage (S$)
Loss of Personal Money Covers for loss of money whilst Overseas as a result of the robbery, burglary/theft or due to Natural Disaster	S$500	S$1,000
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	S$5,000	S$5,000
Loss of or Damage to Baggage & Personal Effects 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 or pair of items; maximum of S$1,000 for laptop computer)	S$5,000	S$8,000
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 a rental vehicle	S$1,500	S$3,000
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	S$10,000	S$20,000
Home Guard Covers for loss or damage to the household contents in Singapore residence due to fire whilst residence was left vacant for the full duration of the trip	S$2,500	S$5,000
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$100 (Standard Plan) or S$200 (Supreme Plan)	S$2,000	S$4,000
Automatic Extension Automatically extends for 7 days if Trip is delayed due to Accident, Sickness suffered by insured person or delay by scheduled airline	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	S$200	S$200
Kidnap Benefit Pays S$250 for each 24-hour period in the event that the insured person is held hostage	S$5,000	S$5,000
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)	Covered	Covered
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$700	S$1,400
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	S$150,000	S$200,000
Trip Cancellation/Postponement (due to Covid-19) Pays for the non-refundable portion of travels costs paid in advance or administrative charges incurred if the insured is diagnosed with Covid-19 within seven (7) days before the Commencement Date The maximum amount We will pay under Trip Postponement is S$500 (Standard Plan) or S$1,000 (Supreme Plan) Per Individual/Per Family	S$3,000	S$5,000
Trip Curtailment (due to Covid-19) Pays for the pro-rata amount for each complete day of the planned Trip lost if the insured is diagnosed with Covid-19 whilst Overseas	S$3,000	S$5,000
Trip Disruption (due to Covid-19) Pays for the pro-rata amount for each complete day of the planned Trip lost if the insured person is diagnosed with Covid-19 and hospitalised Overseas for more than 5 consecutive days	S$2,000	S$3,000
Overseas Quarantine Allowance (due to Covid-19) Pays S$50 (per Insured Person per day) for each complete day of Quarantine whilst on a Trip Overseas	S$700	S$1,400

^* Reduced limit applies to insured person from age 76 to 85 years under Individual or Family plan
^# Amount under the Special Extension section is the sub-limit of the benefit maximum coverage

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
Pre-existing medical conditions will not be covered except under Special Extension of Sections 2, 13 and 14
Coverage intended for overseas and not in Singapore

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

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Important Information

Please read carefully before purchasing TourCare Plus

Eligibility

ASEAN means travel to or through the countries of Malaysia, Brunei, Indonesia, Thailand, Laos, 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, Belarus, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Lebanon, North Korea, Russia, Sudan, Syria, Venezuela, Crimea, Donetsk, Kherson, Luhansk and Zaporizhzhia Regions.
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 3 months or over the age of 85 years
Sum insured under Section 1–Personal Accident is reduced to S$50,000 (Standard) or S$100,000 (Supreme) for Children age 17 years and below if the Child is insured under individual plan
Family refers:
- For Single Trip Policies–Maximum 2 adults traveling with no limit on the number of Children. The 2 insured adults need not be related and 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 Children 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 recognised institution of higher learning. Their sum insured under Section 1 – Personal Accident will be reduced to S$50,000 (Standard) or S$100,000 (Supreme)
For a One-way Trip Policy, the insurance cover will cease upon the insured person reaching his/her place of residence or business at the final destination shown in the ticket
The maximum length of each Trip Overseas for a Single Trip Policy is 120 days. No refund of premium is allowed once the Policy has been issued.
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 base on short-term rate.
Coverage is extended to Insured 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 Insured Person engaged in manual work
Trip Cancellation/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
The Pre-Existing Condition cover extended under Overseas Medical Expenses (Section 2), Emergency Medical Evacuation (Section 13) and Repatriation of Mortal Remains (Section 14) applies only to Single Trip Policy with duration up to a maximum of thirty (30) days per Trip.
We do not cover claims arising from Pre-Existing Condition where the Insured Person has been diagnosed with Terminal Illness regardless of whether diagnosis was received before or after this insurance was purchase
The Insured Persons must not be traveling against the advice of any Medical Practitioner or for the purpose of seeking medical treatment
Coverage must be effected before leaving Singapore
If the Insured Person has more than one travel insurance Policy, with the exception of BizTraveler Insurance, 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).

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