Ergo Travel Insurance

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Ergo Travel Insurance Plans

ERGO Insurance Pte. Ltd. is a registered general insurer regulated by the Monetary Authority of Singapore. The Company is a fully-owned subsidiary of ERGO Insurance Group. ERGO is one of the major insurance groups in Germany and Europe. Worldwide, ERGO is represented in more than 30 countries and concentrates on Europe and Asia. ERGO is part of Munich Re, one of the leading reinsurers and risk carriers worldwide. In 2014 it acquired the business of SHC Insurance Pte. Ltd from SHC Capital Asia Limited is an investment holding company which is listed on the Singapore Stock Exchange under Catalist. ERGO underwrites all classes of general insurance

TravelProtect Essential Individual Plan

A good plan with decent levels of coverage. Highlights of the plan include coverage for adventure activities and cover while on cruise.

Benefit List

Personal Accident - General Coverage

Adult

S$200,000

Elderly

S$50,000

Child

Personal Accident - Natural Disaster

Adult

Elderly

Child

Personal Accident - Benefits as Farepaying Passenger in Public Transport

Adult

Elderly

Child

Personal Accident - Schedule of Compensation

Death by accident

100%

Loss of two limbs

100%

Loss of both hands

100%

Loss of sight of both eyes

100%

Loss of sight of one eye

100%

Total paralysis

100%

Permanently bedridden

100%

Loss of one hand

100%

Loss of one arm

100%

Loss of one leg

100%

Medical Expense Benefits - General Coverage (Outside of Singapore)

Adult

S$200,000

Elderly

S$100,000

Child

Chinese Physician

S$250

Additional Accommodation

Additional Travelling Expenses

Pregnancy Related Expenses

S$2,000

Overseas Hospital Allowance

S$10,000

Overseas Hospital Allowance (ICU)

Medical Expense Benefits - General Coverage (In Singapore)

Adult

S$10,000

Elderly

S$250

Emergency Benefits - General Coverage

Hospital Visit (Accommodation & Return Trip)

S$5,000

Compassionate Visit (Accommodation & Return Trip)

S$5,000

Child Care (Accommodation & Return Trip)

S$10,000

Special Grant

Emergency Benefits - Emergency Medical Assistance & Evacuation

Adult

Unlimited

Elderly

Unlimited

Child

Emergency Benefits - Repatriation

Emergency Medical Repatriation

Unlimited

Repatriation of Mortal Remains/ Local Burial

Unlimited

Travel Inconveniences & Other Benefits - General Coverage

Baggage & Personal Belongings

S$3,000

Portable Devices

S$1,000

Essential Items

Baggage Delay

S$500

Money & Travel Documents

S$1,000

Credit Cards

S$500

Personal Liability

S$500,000

Loss of Deposit or Cancellation

S$10,000

Replacement Traveller

S$500

Collapse of Travel Agency

S$5,000

Travel Delay

S$1,000

Flight Diversion

S$1,000

Trip Curtailment

S$10,000

Overbooked Flight

S$200

Flight Misconnection

S$200

Rental Car Excess

S$500

Emergency Mobile Phone Charges

S$200

Sports Equipment

S$2,000

Hijacking

Kidnap & Hostage

Home Care Benefit

S$1,000

Pet Care

Terrorism

Included

Golf Equipment (Owned)

S$2,000

Golf Equipment (Hired)

S$2,000

Hole in One

S$2000

TravelProtect Standard Individual Plan

A solid plan suitable for travellers that wish to engage in adventurous activities (please check carefully the limitations!). Highlights of the plan include cover while on cruise.

Benefit List

Personal Accident - General Coverage

Adult

S$300,000

Elderly

S$100,000

Child

Personal Accident - Natural Disaster

Adult

Elderly

Child

Personal Accident - Benefits as Farepaying Passenger in Public Transport

Adult

S$600,000

Elderly

S$200,000

Child

Personal Accident - Schedule of Compensation

Death by accident

100%

Loss of two limbs

100%

Loss of both hands

100%

Loss of sight of both eyes

100%

Loss of sight of one eye

100%

Total paralysis

100%

Permanently bedridden

100%

Loss of one hand

100%

Loss of one arm

100%

Loss of one leg

100%

Medical Expense Benefits - General Coverage (Outside of Singapore)

Adult

S$500,000

Elderly

S$100,000

Child

Chinese Physician

S$300

Additional Accommodation

Additional Travelling Expenses

Pregnancy Related Expenses

S$5,000

Overseas Hospital Allowance

S$15,000

Overseas Hospital Allowance (ICU)

Medical Expense Benefits - General Coverage (In Singapore)

Adult

S$25,000

Elderly

S$300

Emergency Benefits - General Coverage

Hospital Visit (Accommodation & Return Trip)

S$8,000

Compassionate Visit (Accommodation & Return Trip)

S$8,000

Child Care (Accommodation & Return Trip)

S$8,000

Special Grant

Emergency Benefits - Emergency Medical Assistance & Evacuation

Adult

Unlimited

Elderly

Unlimited

Child

Emergency Benefits - Repatriation

Emergency Medical Repatriation

Unlimited

Repatriation of Mortal Remains/ Local Burial

Unlimited

Travel Inconveniences & Other Benefits - General Coverage

Baggage & Personal Belongings

S$5,000

Portable Devices

S$1,000

Essential Items

Baggage Delay

S$1,000

Money & Travel Documents

S$3,000

Credit Cards

S$1,000

Personal Liability

S$1,000,000

Loss of Deposit or Cancellation

S$13,000

Replacement Traveller

S$500

Collapse of Travel Agency

S$8,000

Travel Delay

S$1,000

Flight Diversion

S$1,000

Trip Curtailment

S$13,000

Overbooked Flight

S$300

Flight Misconnection

S$200

Rental Car Excess

S$750

Emergency Mobile Phone Charges

S$300

Sports Equipment

S$2,000

Hijacking

S$5,000

Kidnap & Hostage

S$5,000

Home Care Benefit

S$2,500

Pet Care

S$350

Terrorism

Included

Golf Equipment (Owned)

S$2,000

Golf Equipment (Hired)

S$2,000

Hole in One

S$2,000

TravelProtect Deluxe Individual Plan

A very comprehensive plan offered through our platform and is very suitable for travellers that engage in adventurous activities (please check carefully the limitations!. Highlights are that it includes cover while on cruise.

Benefit List

Personal Accident - General Coverage

Adult

S$400,000

Elderly

S$100,000

Child

Personal Accident - Natural Disaster

Adult

Elderly

Child

Personal Accident - Benefits as Farepaying Passenger in Public Transport

Adult

S$800,000

Elderly

S$200,000

Child

Personal Accident - Schedule of Compensation

Death by accident

100%

Loss of two limbs

100%

Loss of both hands

100%

Loss of sight of both eyes

100%

Loss of sight of one eye

100%

Total paralysis

100%

Permanently bedridden

100%

Loss of one hand

100%

Loss of one arm

100%

Loss of one leg

100%

Medical Expense Benefits - General Coverage (Outside of Singapore)

Adult

S$1,000,000

Elderly

S$200,000

Child

Chinese Physician

S$500

Additional Accommodation

Additional Travelling Expenses

Pregnancy Related Expenses

S$8,000

Overseas Hospital Allowance

S$20,000

Overseas Hospital Allowance (ICU)

Medical Expense Benefits - General Coverage (In Singapore)

Adult

S$50,000

Elderly

S$500

Child

Post Journey Traditional Chinese Medical Expenses

Emergency Benefits - General Coverage

Hospital Visit (Accommodation & Return Trip)

S$10,000

Compassionate Visit (Accommodation & Return Trip)

S$10,000

Child Care (Accommodation & Return Trip)

S$10,000

Special Grant

Emergency Benefits - Emergency Medical Assistance & Evacuation

Adult

Unlimited

Elderly

Unlimited

Child

Emergency Benefits - Repatriation

Emergency Medical Repatriation

Unlimited

Repatriation of Mortal Remains/ Local Burial

Unlimited

Travel Inconveniences & Other Benefits - General Coverage

Baggage & Personal Belongings

S$8,000

Portable Devices

S$1,500

Essential Items

Baggage Delay

S$1,000

Money & Travel Documents

S$5,000

Credit Cards

S$1,000

Personal Liability

S$1,000,000

Loss of Deposit or Cancellation

S$15,000

Replacement Traveller

S$1,000

Collapse of Travel Agency

S$10,000

Travel Delay

S$1,000

Flight Diversion

S$1,000

Trip Curtailment

S$15,000

Overbooked Flight

S$500

Flight Misconnection

S$500

Rental Car Excess

S$1,000

Emergency Mobile Phone Charges

S$500

Sports Equipment

S$2,000

Hijacking

S$5,000

Kidnap & Hostage

S$10,000

Home Care Benefit

S$5,000

Pet Care

S$500

Terrorism

Included

Golf Equipment (Owned)

S$2,000

Golf Equipment (Hired)

S$2,000

Hole in One

S$2,000

TravelProtect Essential Family Plan

A good plan with decent levels of coverage. Highlights of the plan include coverage for adventure activity and cover while on cruise.

Benefit List

Personal Accident - General Coverage

Adult

S$200,000

Elderly

S$50,000

Child

S$50,000

Personal Accident - Natural Disaster

Adult

Elderly

Child

Personal Accident - Benefits as Farepaying Passenger in Public Transport

Adult

Elderly

Child

Personal Accident - Schedule of Compensation

Death by accident

100%

Loss of two limbs

100%

Loss of both hands

100%

Loss of sight of both eyes

100%

Loss of sight of one eye

100%

Total paralysis

100%

Permanently bedridden

100%

Loss of one hand

100%

Loss of one arm

100%

Loss of one leg

100%

Medical Expense Benefits - General Coverage (Outside of Singapore)

Adult

S$200,000

Elderly

S$100,000

Child

S$50,000

Chinese Physician

S$250

Additional Accommodation

Additional Travelling Expenses

Pregnancy Related Expenses

S$2,000

Overseas Hospital Allowance

S$10,000

Overseas Hospital Allowance (ICU)

Medical Expense Benefits - General Coverage (In Singapore)

Adult

S$10,000

Elderly

S$250

Emergency Benefits - General Coverage

Hospital Visit (Accommodation & Return Trip)

S$5,000

Compassionate Visit (Accommodation & Return Trip)

S$5,000

Child Care (Accommodation & Return Trip)

S$5,000

Special Grant

Emergency Benefits - Emergency Medical Assistance & Evacuation

Adult

Unlimited

Elderly

Unlimited

Child

Unlimited

Emergency Benefits - Repatriation

Emergency Medical Repatriation

Unlimited

Repatriation of Mortal Remains/ Local Burial

Unlimited

Travel Inconveniences & Other Benefits - General Coverage

Baggage & Personal Belongings

S$3,000

Portable Devices

S$1,000

Essential Items

Baggage Delay

S$500

Money & Travel Documents

S$1,000

Credit Cards

S$500

Personal Liability

S$500,000

Loss of Deposit or Cancellation

S$10,000

Replacement Traveller

S$500

Collapse of Travel Agency

S$5,000

Travel Delay

S$1,000

Flight Diversion

S$1,000

Trip Curtailment

S$10,000

Overbooked Flight

S$200

Flight Misconnection

S$200

Rental Car Excess

S$500

Emergency Mobile Phone Charges

S$200

Sports Equipment

S$2,000

Hijacking

Kidnap & Hostage

Home Care Benefit

S$1,000

Pet Care

Terrorism

Included

Golf Equipment (Owned)

S$2,000

Golf Equipment (Hired)

S$2,000

Hole in One

S$2,000

TravelProtect Standard Family Plan

A solid plan suitable for families that wish to engage in adventurous activities (please check carefully the limitations!). Highlights of the plan include coverage while on cruise.

Benefit List

Personal Accident - General Coverage

Adult

S$300,000

Elderly

S$100,000

Child

S$50,000

Personal Accident - Natural Disaster

Adult

Elderly

Child

Personal Accident - Benefits as Farepaying Passenger in Public Transport

Adult

S$600,000

Elderly

S$200,000

Child

S$100,000

Personal Accident - Schedule of Compensation

Death by accident

100%

Loss of two limbs

100%

Loss of both hands

100%

Loss of sight of both eyes

100%

Loss of sight of one eye

100%

Total paralysis

100%

Permanently bedridden

100%

Loss of one hand

100%

Loss of one arm

100%

Loss of one leg

100%

Medical Expense Benefits - General Coverage (Outside of Singapore)

Adult

S$500,000

Elderly

S$100,000

Child

S$200,000

Chinese Physician

S$300

Additional Accommodation

Additional Travelling Expenses

Pregnancy Related Expenses

S$5,000

Overseas Hospital Allowance

S$15,000

Overseas Hospital Allowance (ICU)

Medical Expense Benefits - General Coverage (In Singapore)

Adult

S$25,000

Elderly

S$300

Emergency Benefits - General Coverage

Hospital Visit (Accommodation & Return Trip)

S$8,000

Compassionate Visit (Accommodation & Return Trip)

S$8,000

Child Care (Accommodation & Return Trip)

S$8,000

Special Grant

Emergency Benefits - Emergency Medical Assistance & Evacuation

Adult

Unlimited

Elderly

Unlimited

Child

Unlimited

Emergency Benefits - Repatriation

Emergency Medical Repatriation

Unlimited

Repatriation of Mortal Remains/ Local Burial

Unlimited

Travel Inconveniences & Other Benefits - General Coverage

Baggage & Personal Belongings

S$5,000

Portable Devices

S$1,000

Essential Items

Baggage Delay

S$1,000

Money & Travel Documents

S$3,000

Credit Cards

S$1,000

Personal Liability

S$1,000,000

Loss of Deposit or Cancellation

S$13,000

Replacement Traveller

S$500

Collapse of Travel Agency

S$8,000

Travel Delay

S$1,000

Flight Diversion

S$1,000

Trip Curtailment

S$13,000

Overbooked Flight

S$300

Flight Misconnection

S$200

Rental Car Excess

S$750

Emergency Mobile Phone Charges

S$300

Sports Equipment

S$2,000

Hijacking

S$5,000

Kidnap & Hostage

S$5,000

Home Care Benefit

S$2,500

Pet Care

S$350

Terrorism

Included

Golf Equipment (Owned)

S$2,000

Golf Equipment (Hired)

S$2,000

Hole in One

S$2,000

TravelProtect Deluxe Family Plan

A very comprehensive plan offered through our platform and is very suitable for families that engage in adventurous activities. Highlights are that it includes coverage while on cruise.

Benefit List

Personal Accident - General Coverage

Adult

S$400,000

Elderly

S$100,000

Child

S$50,000

Personal Accident - Natural Disaster

Adult

Elderly

Child

Personal Accident - Benefits as Farepaying Passenger in Public Transport

Adult

S$800,000

Elderly

S$200,000

Child

S$100,000

Personal Accident - Schedule of Compensation

Death by accident

100%

Loss of two limbs