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Key Benefits
In our highly globalized world, business travel is becoming ever more common. Accordingly, companies face greater risk of incurring substantial expenses resulting from emergency medical evacuation, flight diversions and other potential challenges. Thus, adequate corporate travel insurance is key for companies to cover unexpected travel expenses. Liberty’s BizTraveler also offers your employees the flexibility to enjoy the same comprehensive coverage when they extend their work trips for leisure.
1
Wide Range Of Travel Concerns
Including Personal Liability, trip cancelation, curtailment, rearrangement, disruption, travel or baggage delays, travel overbooking and flight misconnections
2
Liberty China Card
Which helps to waive hospital admission deposit at designated hospitals in China, Hong Kong and Taiwan
3
Flexibility for Extension
Option to allow extension of coverage for leisure travel
4
Employee Replacement Benefit
To cover additional costs incurred when a substitute employee is sent to complete work duties overseas
5
Overseas Medical Expenses
That are necessary due to an injury or sickness suffered while on a Trip Overseas during the Period of Insurance
Find A Plan That Meets Your Needs
| Description of Benefit | Plan 1 | Plan 2 | Plan 3 |
|---|
- Personal Accident
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Description of Benefit Plan 1 Plan 2 Plan 3 Accidental Death and Permanent Disablement
Compensates for accidental death or permanent disablement following Accidental bodily InjuryS$250,000 S$350,000 S$550,000 Accident Death and Permanent Disablement
due to WarS$10,000 S$15,000 S$25,000 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 16, 17 & 20)Covered Covered Covered Accidental Burns Benefit
Compensates for third degree burns following Accidental bodily InjuryS$250,000 S$350,000 S$550,000 Fracture Benefit
Compensates for fractures following Accidental
bodily InjuryS$2,500 S$3,500 S$5,500 Accidental Death While Traveling In Common Carrier
Compensates for Accidental death while traveling in a rail, sea or air conveyance as a fare-paying passengerS$20,000 S$30,000 S$50,000 Compassionate Allowance
Pays a lump sum allowance in the event of Insured
Person’s Accidental deathS$3,000 S$4,000 S$5,000 Child Education Fund
Pays a lump sum education fund to Insured Person’s dependent child in the event of his / her Accidental deathS$10,000 S$15,000 S$25,000 - Medical
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Description of Benefit Plan 1 Plan 2 Plan 3 Overseas Medical Expenses
Pays for medical, Hospital and Accidental dental expenses incurred whilst abroad as a result of Sickness or InjuryS$100,000 S$200,000 S$300,000 Medical Expenses Incurred Upon Return To Singapore
Follow-up treatment within 31 days from return date or treatment sought within 3 days from return date and up to 31 days
(if initial treatment is not sought Overseas)S$5,000 S$8,000 S$10,000 Treatment by Traditional Chinese Medicine
Practitioner and Chiropractor
Pays Traditional Chinese Medicine (TCM) and
Chiropractic expenses incurred whilst Overseas and
follow-up treatment in SingaporeS$500 S$800 S$1,000 Hospital Daily Income Benefit (Overseas)
Pays for each 24-hour period of Overseas Hospital
confinement up to a limit of S$200 per dayS$5,000 S$8,000 S$10,000 Overseas Hospital Visit
Pays for the cost of transportation and accommodation expenses of one relative or friend if the Insured Person is hospitalized for more than 5 days whilst OverseasS$5,000 S$8,000 S$10,000 Overseas Compassionate Visit
Pays for the cost of transportation and accommodation expenses of one relative or friend to assist in the preparation of the mortal remainsS$3,000 S$5,000 S$8,000 - Evacuation and Repatriation
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Description of Benefit Plan 1 Plan 2 Plan 3 Liberty China Card
Hospital admission deposit waived at designated
hospitals in China, Hong Kong and TaiwanCovered Covered Covered Emergency Medical Evacuation
Covers all expenses for emergency medical evacuation coordinated by Liberty Helpline (+65) 6636 1131Unlimited Unlimited Unlimited Repatriation of Mortal Remains
Covers for cost of transporting Insured Person’s mortal remains or local burial at place of deathS$10,000 S$20,000 S$30,000 Emergency Telephone Charges
Pays for telephone charges incurred as a result of
medical emergencyS$100 S$200 S$300 24-hour Medical and Travel Assistance
On referral and arrangement basisLiberty Helpline: (+65) 6636 1131 - Liability
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Description of Benefit Plan 1 Plan 2 Plan 3 Personal Liability
Insures against third party claims for bodily Injury or
property damage caused by Insured Person’s negligence whilst OverseasS$500,000 S$800,000 S$1,000,000 - Inconveniences
-
Description of Benefit Plan 1 Plan 2 Plan 3 Trip Cancelation
Pays for the non-refundable portion of travel costs paid in advance or administrative charges incurred due to Unforeseen CircumstancesS$5,000 S$8,000 S$10,000 Trip Curtailment
Pays for the pro-rata amount for each complete day of the planned Trip lost due to Unforeseen CircumstancesS$5,000 S$8,000 S$10,000 Trip Rearrangement
Pays the cost for the Insured Person to make a
replacement business Trip where the original business Trip was curtailed due to Unforeseen CircumstancesS$5,000 S$8,000 S$10,000 Trip Disruption
Pays for the pro-rata amount for each complete day of the planned Trip lost if the Insured Person is hospitalized Overseas for more than 5 daysS$3,000 S$5,000 S$7,000 Travel Delay
Pays S$200 for each 6 full consecutive hours of delay whilst Overseas
Pays maximum limit of S$200 for delay in Singapore if in excess of 6 full consecutive hoursS$1,000 S$1,000 S$1,000 Travel / Flight Misconnection
Pays S$100 for each 6 full consecutive hours of delay whilst OverseasS$1,000 S$1,000 S$1,000 Flight Diversion
Pays S$100 for each 6 full consecutive hours if the
scheduled flight is diverted whilst OverseasS$1,000 S$1,000 S$1,000 Travel Overbooking
Covers accommodation, meal and travel expenses if
Insured Person is unable to board the scheduled
transport due to overbookingS$150 S$200 S$250 Baggage Delay
Pays S$200 for each 6 full consecutive hours of delay whilst Overseas
Pays maximum limit of S$200 for baggage delay upon return to Singapore if in excess of 6 full consecutive hoursS$1,000 S$1,000 S$1,000 - Losses
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Description of Benefit Plan 1 Plan 2 Plan 3 Loss of or Damage to Baggage & Personal Effects
Covers loss, damage or stolen baggage and personal effects sustained Overseas including golfing equipment
Maximum S$1,000 for each item or set or pair of itemsS$3,000 S$4,000 S$5,000 Loss of or Damage to Personal Portable
Business Equipment
Covers loss or damage to mobile phones, laptop
computers and tablets
Maximum S$1,000 for each item or set or pair of itemsS$2,000 S$2,000 S$2,000 Loss of Personal Money and Travel Documents
Covers loss of money whilst Overseas as a result of
robbery, burglary/theft or due to Natural Disaster and pays for the cost of replacing Insured Person’s travel documents including the additional travel and hotel accommodation expenses incurred
Loss of Personal Money is limited to S$500S$1,000 S$2,000 S$3,000 - Others
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Description of Benefit Plan 1 Plan 2 Plan 3 Employee Replacement Benefit
Pays the cost of sending a replacement employee to
continue the business of the Insured, in the event the Insured Person is unable to continue the business TripS$5,000 S$6,000 S$7,000 Bail Bond Facility
Provides assistance in arranging a bail bond following the Insured Person’s arrest after a road Accident whilst OverseasS$15,000 S$15,000 S$15,000 Hijack Benefit
Pays S$200 for each 12 full consecutive hours if the
Insured Person is hijacked on a Common CarrierS$5,000 S$5,000 S$5,000 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 SingaporeS$350 S$700 S$1,000 Automatic Extension
Automatically extends for 7 days if Trip is delayed due to Accident or Sickness suffered by the Insured Person or delay by scheduled transport7 days 7 days 7 days
Notes
- Eligibility
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- Available to Singaporeans, Singapore Permanent Residents and Employment
- Pass Holders with valid passes and residing in Singapore
- Age range from 18 to 75 years old
- Applicable to employees on business Trips engaging in professional, administrative, managerial, clerical & non-manual work solely in offices or similar non-hazardous places
- Other Notes
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- Maximum length of each Trip is 120 days
- Minimum enrolment – 3 employees
- Policy administrated on unnamed basis for group of 5 person and above
- Exclude manual work, work on-board vessel or offshore activities
- Exclude Pre-Existing Conditions
- Maximum Aggregate Limit – S$10 million per Conveyance
- 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
Downloads
Policy Wordings
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