Under what circumstances will 'Cancellation/ Curtailment/ Rearrangement/ Postponement' be triggered for COVID-19?

In the event that the employee sustains Sickness (including COVID-19) while overseas and renders him unfit to travel (with doctor’s advice), Cancellation / Curtailment / Rearrangement benefit will respond accordingly.

If my trip is cancelled or postponed due to the decision of external parties cancelling or postponing the event / course / seminar, will the policy pay for the costs of such disruption?

No, the policy does not respond as it is not within the specified cause covered under the policy.

If I wish to cancel or postpone my trip due to concern of the pandemic, can I claim for the cost of cancellation or rescheduling the trip?

No, the policy does not respond as it is not within the specified cause covered under the policy.

Is Swab test covered under the program?

Swab Test without any diagnosis/symptoms or recommendation from doctor is not covered. Eg. If during the trip, the employee is unwell, seek treatment and was recommended by the doctor to perform a swab test, it is covered (as diagnosed by the doctor) Eg. If the employee went for a swab test for the purpose of entering a foreign country, it will not be covered.

Group Business Travel Insurance

At a Glance

Ensure the health, safety and well-being of you and your employees from potential risks of business travel.

Whether it’s lost business documents, personal belongings or COVID-19 outbreak, travelling on business can be stressful without the right insurance coverage. Chubb can protect your business from these unanticipated risks to your overseas business ventures.

COVID-19 coverage

Covers COVID-19 related expenses such as overseas medical expenses for hospitalisation due to COVID-19, as well as emergency medical evacuation and repatriation of mortal remains.

Access to Chubb Travel Assistance services

With Chubb’s 24/7 travel assistance services, you can protect yourself and your traveling employees, in the event of a medical emergency or unexpected circumstances that may disrupt travel plans.

Key Features

Personal Accident

Benefits	Plan 1	Plan 2	Plan 3	Plan 4	Plan 5
Accidental Death	150,000	250,000	350,000	500,000	750,000
Burial Expenses	2,000	2,000	5,000	5,000	7,500
Permanent Disablement	Enhanced scale

Medical Expenses

Benefits

Plan 1

Plan 2

Plan 3

Plan 4

Plan 5

Emergency Medical Expenses (excess: NIL)(TCM: 750)

Inclusive of expenses for Chinese acupuncturist or bonesetter or chiropractor or physiotherapist, up to S$1,500 each and every claim

150,000

250,000

350,000

500,000

750,000

Assistance and other services

Benefits	Plan 1	Plan 2	Plan 3	Plan 4	Plan 5
Chubb Assistance
Emergency Evacuation Evacuation	Unlimited
Repatriation of Mortal Remains	Unlimited
Travel smart	Included

Travel Inconvenience

Benefits	Plan 1	Plan 2	Plan 3	Plan 4	Plan 5
Trip cancellation, curtailment, and rearrangement	10,000	10,000	15,000	15,000	20,000
Travel delay - S$200 per 6 hours of continuous delay	1,000	1,000	2,000	2,000	3,000
Baggage delay - S$200 per 6 hours of continuous delay	1,000	1,000	2,000	2,000	3,000

Lifestyle and other benefits

Benefits	Plan 1	Plan 2	Plan 3	Plan 4	Plan 5
Personal liability	500,000	750,000	1,000,000	1,250,000	1,500,000
Credit card indemnity	5,000	5,000	5,000	5,000	7,500
Replacement staff	2,500	2,500	5,000	5,000	7,500
Corporate image protection	5,000	5,000	10,000	10,000	15,000

To understand more about the coverage and pricing, please click here to learn more.

COVID-19 Cover FAQs

Is medical expenses covered if I contracted COVID-19 overseas and back to Singapore?

Medical expenses will be covered if the employee contracted COVID-19 during the authorized business trip.

For Post Journey Medical Expenses, if the employee has already sought treatment overseas, the follow-up treatment will be within 60 days from date of arrival. If the employee has yet to seek treatment during the overseas trip, the first treatment in Singapore must be within 7 days from the date of arrival.

	Under what circumstances will “Cancellation/ Curtailment/ Rearrangement/ Postponement" be triggered for COVID-19?
	In the event that the employee sustains Sickness (including COVID-19) while overseas and renders him unfit to travel (with doctor’s advice), Cancellation / Curtailment / Rearrangement benefit will respond accordingly.

	If my trip is cancelled or postponed due to the decision of external parties cancelling or postponing the event / course / seminar, will the policy pay for the costs of such disruption?
	No, the policy does not respond as it is not within the specified cause covered under the policy.

	If I wish to cancel or postpone my trip due to concern of the pandemic, can I claim for the cost of cancellation or rescheduling the trip?
	No, the policy does not respond as it is not within the specified cause covered under the policy.

	Is Swab test covered under the program?
	Swab Test without any diagnosis/symptoms or recommendation from doctor is not covered. Eg. If during the trip, the employee is unwell, seek treatment and was recommended by the doctor to perform a swab test, it is covered (as diagnosed by the doctor) Eg. If the employee went for a swab test for the purpose of entering a foreign country, it will not be covered.

Is quarantine (local & overseas) covered under the program?

If the employee is quarantined because he is tested positive or come in close contact with COVID-19 positive people and is put on compulsory quarantine, then it is an specified clause under the Trip cancellation wording and is covered. Please note self-quarantine is not covered and quarantine order must be issued by a government authority.

But if the employee is already aware that he/she will be put on quarantine when arrives at the destination and still goes ahead to book the trip (when COVID-19 is already a known event) and later decided to cancel or curtail the trip, then such circumstances will not be covered.