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.

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.

DBS Group Business Travel Insurance

Group Business Travel Insurance

Greater peace of mind for you and your
employees when they travel for business

Group Business Travel Insurance

Greater peace of mind for you and your
employees when they travel for business

At a Glance

Protect the health, safety, and well-being of your employee during their business travels.

From COVID-19 related events to loss of business documents, passports or personal belonging, get covered against these unexpected travel inconveniences with the Group Business Travel Insurance, underwritten by Chubb.

Fast Track Claims

We are committed to settling your claims within 5-10 working days from the date of collection of full claims documentation.

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

Limit per Insured Person (S$)

Benefits	Plan 1	Plan 2	Plan 3
Accidental Death	600,000	400,000	200,000
Burial Expenses	2,000	2,000	2,000
Get Well Benefit	6,000	6,000	6,000
Additional Accidental Death due to Common Carrier	50,000	50,000	50,000
Comatose State Lump Sum Benefit	50,000	50,000	50,000
Accidental Death Due to Gun Shot	20,000	20,000	20,000

Medical Expenses

Limit per Insured Person (S$)

Benefits	Plan 1	Plan 2	Plan 3
Permanent Disability and Accidental Burns	Up to % stated in Policy Wording
• 3rd Degree Burns	600,000	400,000	200,000
• 2nd Degree Burns	10,000	10,000	10,000
Fractures	3,000	3,000	3,000
Medical Expenses	300,000	200,000	100,000
Chubb Assistance (Emergency Medical Evacuation and Repatriation Expenses)	Unlimited
Post-Journey Medical Expenses	30,000	20,000	10,000

Travel Inconvenience

Limit per Insured Person (S$)

Benefits	Plan 1	Plan 2	Plan 3
Trip Cancellation	10,000	10,000	10,000
Trip Curtailment and Rearrangement Expenses	10,000	10,000	10,000
Staff Replacement Expenses	5,000	5,000	5,000
Loss of Money and Travel Documents • Sub-limit For Money ($1,000) • Sub-limit For Credit Card Misuses ($1,000)	2,000	2,000	2,000
Loss of Personal Property and Baggage	5,000	5,000	5,000
• Sub-limit For any one article / pair / set of article ($1,000)	1,000	1,000	1,000
Travel Delay	1,000	1,000	1,000
Baggage Delay	1,000	1,000	1,000
Travel Misconnection	1,000	1,000	1,000
Overbooked Flight	200	200	200
Flight Diversion	1,000	1,000	1,000

Miscellaneous

Limit per Insured Person (S$)

Benefits	Plan 1	Plan 2	Plan 3
Personal Liability	1,000,000	1,000,000	1,000,000
Hijacking	6,000	6,000	6,000
Hospital Confinement	10,000	10,000	10,000
Emergency Travel Expenses • Compassionate Visit by Relative or Friend • Death of Close Relative	5,000	5,000	5,000
Legal Fees	15,000	15,000	15,000
Bail Bond	15,000	15,000	15,000
Family Security	25,000	25,000	25,000
Rental Vehicle Excess Waiver	500	500	500
Political and Natural Disaster Evacuation	10,000	10,000	10,000
Credit Card Indemnity	5,000	5,000	5,000
Home Renovation Benefit	5,000	5,000	5,000
Emergency Mobile Phone Charges	200	200	200
Missed Event	250	250	250
Trauma Counseling Benefit	5,000	5,000	5,000
Corporate Image Protection	10,000	10,000	10,000
Golf Extras	300	300	300

*You may contact us here if you would like to have a copy of the policy wording.

Annual Premium per Insured Person (S$)

Geographical Area	Plan 1	Plan 2	Plan 3
Regional^{^}	281	240	198
International^{^^}	338	288	237

Premium stated above are in Singapore Dollars and exclusive of GST.

^{^}Regional – Australia, Bangladesh, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Korea, Laos, Macau, Malaysia, Myanmar, New Zealand, Pakistan, Philippines, Sri Lanka, Taiwan, Thailand and Vietnam

^{^^}International – Worldwide inclusive of Canada and USA

How to Apply

Get your annual coverage for travel inconveniences and medical expenses on your business travels

Group Business Travel Insurance

Group Business Travel Insurance

Fast Track Claims

Access to Chubb Travel Assistance services

Geographical Area

Plan 1

Plan 2

Plan 3