InsureCruise

1. What is the age eligibility for InsureCruise?
   Applicant age from 1 to 80 years old is eligible to purchase this travel insurance.
   
   
2. I perform an Antigen Rapid Test (ART) before my trip and the result is “Positive”. I have to cancel my trip. Will InsureCruise cover my trip expenses?
   Yes, if your trip is cancelled due to yourself being diagnosed with COVID-19, we will provide a reimbursement of the irrecoverable expenses.
   
   The cover is effective only if this travel insurance is purchased before you become aware of any circumstances which could lead to the cancellation of the trip and the occurrence of any of the insured events must happen seven (7) days prior the commencement of the trip.
   
   However, please note that this travel insurance does not cover any costs associated with test kits.
   
   
3. Besides trip expenses, what other insurance benefits will InsureCruise cover me if I contract COVID-19?
   If you have been fully vaccinated and still diagnosed with COVID-19 and is required to be admitted to the hospital or community care facility or community recovery facility for treatment of COVID-19, this travel insurance will pay you S$100 per day up to 7 days for each complete day stay. Such event is to happen at least seven (7) days prior the commencement of the trip
   
   We will also pay you a lump sum benefit of S$100 upon your discharge from the facility with a minimum five (5) days of treatment.
   
   In addition, we will reimburse you up to S$500 for the expense required to engage a licensed contractor to disinfect your house.
   
   Please refer to the policy contract for more information.
   
   
4. Can I still apply if I have just recovered from COVID-19?
   Yes, you can still apply for InsureCruise as COVID-19 is not considered as a Pre-existing condition.
   
   
5. I came down with food poisoning after consuming my buffet dinner in the cruise. Will my medical expenses be covered?
   Yes, InsureCruise will reimburse you for the medical expenses incurred within forty-eight (48) hours from the date of the incident that gave rise to the food poisoning happening during your trip.
   
   Please refer to the policy contract for more information.
   
   
6. Can I purchase InsureCruise for my family or friends?
   Yes, you may. Please ensure you have their consent before purchase and to inform them upon successful purchase of this travel insurance.
   
   
7. When does InsureCruise cover commence?
   The insurance commences when you leave your place of residence or business in Singapore (whichever is the later) and ends at the time of return to your residence or business in Singapore or expiry of the Certificate of Insurance/ Schedule (whichever is the earlier).
   
   Trip Cancellation starts seven (7) days prior the commencement of the trip.
   
   
   
8. If I cancel my InsureCruise policy, can I get a premium refund?
   There is no refund of insurance premium paid once the Certificate of Insurance and/or Schedule is issued and premium charged.
   
   
   
9. How can I make a claim?
   You may contact our Claims Division at 6222 7733 during UOI business hours. We will advise you on the claim procedure depending on the type of claims.
   
   UOI’s business hours
   Monday to Thursday: 8:45am to 5:45pm
   Friday: 8.45am to 4.45pm
   
   
   Closed on weekends and public holidays.
   
   
   

InsureCruise Promotion Terms and Conditions

View promotion terms and conditions here

Important notice and disclaimers

The above is provided for general information only and is not a contract of insurance. Full details of the terms, conditions and exclusions of the insurance are provided in the policy and will be sent to you upon acceptance of your application by United Overseas Insurance Limited ("UOI"). You may wish to seek advice from a qualified adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a qualified adviser, you should consider carefully whether this product is suitable for you. United Overseas Bank Limited ("UOB") does not hold itself out to be an insurer or insurance broker. The insurance products and services stated herein are provided by UOI.

Policy Owners’ Protection Scheme

These policies are protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for these policies are 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 your insurer or visit the General Insurance Association (GIA) or SDIC websites (www.gia.org.sg or www.sdic.org.sg).