Dreaming of a great education? Does your pocket keep up with your dreams?
Invest in your peace of mind during your overseas education experience with our Overseas StudentCare Insurance. Our comprehensive policy goes beyond standard coverage to protect you from unforeseen challenges, ensuring a smooth and successful academic journey wherever you go.
5 Reasons For You to Consider Overseas StudentCare
Worldwide
coverage
Study loan
repayment
benefit
Comprehensive
covers during holidays
during term break
Rental vehicle
excess cover
24-hour
assistance
helpline
We have got your needs covered
Compare our plans in details, you’ll definitely find something that suits you
| Description of Benefits | Benefit Limit (Per Person Per Year1) |
|---|
- Accident & Health
-
Personal Accident - Insured adult (Maximum payable)
Covers permanent disablement or death following accidental bodily injuryS$200,000 Personal Accident - Insured child (< 18 years)(Maximum payable)
Covers permanent disablement or death following accidental bodily injuryS$50,000 Passive War Extension
Covers death or bodily injury sustained by you through war-like operations provided that you are not directly or indirectly involved in such activitiesCovered Criminal Assault
Covers accidental death or permanent disablement suffered as a result of criminal assault whilst overseasS$100,000 Medical Expenses (following Accident)
Reimburses medical expenses arising from accidental bodily njury sustained overseas including treatment by a Chinese physician, physiotherapist, and chiropractorS$15,000 - Travel
-
Travel Delay
Pays S$50 for each full 6 consecutive hours if the departure of scheduled transport is delayed whilst overseas. We will pay a maximum limit of S$50 for travel delay in Singapore if the delay is in excess of 6 full consecutive hoursS$500 Baggage Delay
Pays S$50 for each full 6 consecutive hours if the insured person’s checked-in baggage is delayed whilst overseas. We will pay a maximum limit of S$50 for baggage delay in Singapore if the delay is in excess of 6 full consecutive hoursS$500 Loss of Travel Documents
Pays for the cost of replacing your travel documents whilst overseas as a result of theft, violence or natural disaster including the additional travel and hotel accommodation expenses incurredS$500 Loss or Damage to Personal Baggage
Covers loss or damage sustained overseas to personal baggage due to theft or misdirection whilst in the care, custody, and control of a scheduled transport provider. Maximum of S$200 payable in respect of each item or set or pair of itemsS$1,000 Hospital Visit - Covers the travel expenses incurred by you to return to your home country to visit your immediate family member who is hospitalised for more than 5 consecutive days
- Covers the travel and accommodation expenses incurred by a relative or friend to visit you if you are hospitalised overseas for more than 5 consecutive days
S$5,000 Compassionate Visit - Covers the cost of travel expenses incurred by you to return to your home country in the event of the death of your immediate family member
- Covers the cost of travel and accommodation expenses incurred by a relative or friend to assist in the repatriation arrangement of the insured’s mortal remains
S$5,000 - Emergency Assistance
-
Emergency Medical Evacuation (24 hours)
In the event that you require emergency medical treatment unavailable locally, this benefit covers your medical evacuation to a more appropriate medical facility.
Liberty Helpline: (65) 6636 1131Unlimited 24-hour Medical and Travel Assistance
If you require medical or travel assistance whilst overseas, you may contact Liberty Helpline: (65) 6636 1131 for 24-hour assistance anytime, anywhereCovered Liberty China Card
Waiver of hospital admission deposit at designated hospitals in Hong Kong, China, and TaiwanCovered Quarantine Following Infectious Diseases
Pay S$100 for each complete day of quarantine (up to max 14 days) whilst on a trip overseas or within 7 days upon returning to SingaporeS$1,400 Bail Bond Facility
Provides assistance in arranging a bail bond following your arrest for a bailable offence whilst overseas.
Liberty Helpline: (65) 6636 1131Covered Repatriation of Mortal Remains
Covers the cost of transporting insured’s mortal remains from the place of insured’s death to his/her home country or the cost of a local burial at the place of deathUnlimited - Property
-
Overseas Home Guard
Covers loss or damage due to fire, natural disaster or theft (consequent upon actual forcible and violent entry of or exit from the premises) of household contents and your personal belongings including handheld devices, stored at your permanent overseas residence
Maximum payable in respect of:- each item or set or pair items (including handheld devices) up to S$200
- laptop/computer/notebook up to S$1,000
S$3,000 - Liability
-
Personal Liability
Insures against third-party claims for bodily injury or property damage caused by your negligence whilst overseas. Our liability for all compensation payable in respect of any one occurrence and in the aggregate shall not exceed the Benefit LimitS$300,000 Rental Vehicle Excess Cover
Covers the excess or deductible which you may be legally liable to pay in respect of accidental loss or damage to a rental vehicle whilst overseasS$1,000 - Student Assistance
-
Study Interruption
Covers tuition fees paid in advance for the current semester in the event you are unable to continue your studies overseas for the remaining part of the semester due to your hospitalisation, terminal illness or death of an immediate family memberS$10,000 Study Loan Repayment
Covers the outstanding study loan which you are liable to pay in the event of your accidental deathS$5,000 Sponsor Protection
Covers the unpaid tuition fees in the event of accidental death or permanent disablement of your sponsor named in the policy, who is responsible for paying the tuition feesS$15,000
1 The same limit applies for policies which are less than 1 year
The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions.
Optional Benefits
| Description of Optional Benefits | Option A (Benefit Limit - Per person per year1) |
Option B (Benefit Limit - Per person per year1) |
Option C (Benefit Limit - Per person per year1) |
|---|---|---|---|
| Medical Expenses (following Accident or Illness) Covers hospital & surgical expenses incurred due to an injury sustained or illness contracted whilst overseas |
S$25,0002 | S$50,0002 | S$100,0002 |
| Medical Expenses (following Accident or Illness) Covers hospital & surgical expenses incurred due to an injury sustained or illness contracted whilst overseas |
S$5,000 | S$5,000 | S$5,000 |
| Medical Expenses (following Accident or Illness) Covers hospital & surgical expenses incurred due to an injury sustained or illness contracted whilst overseas Maximum payable in respect of:
|
S$1,000 | S$1,500 | S$2,000 |
| Study Interruption Covers tuition fees paid in advance for the current semester in the event you are unable to continue your studies overseas for the remaining part of the semester due to your hospitalisation, terminal illness or death of an immediate family member |
S$5,000 | S$10,000 | S$15,000 |
2 Aggregate Limit applicable to Medical Expenses (following Accident or Illness)
1 The same limit applies for policies which are less than 1 year
The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions.
Annual Premium
for Standard Lives only (SG$)
| Duration | Premium Payable | Option A | Option B | Option C |
|---|
- Individual
-
3 months S$203.87 S$65.60 S$167.54 S$341.13 6 months S$305.81 S$152.40 S$320.94 S$600.51 1 year S$407.74 S$198.82 S$493.53 S$926.50 - Family Plan4
-
3 months N.A. N.A. N.A. N.A. 6 months S$687.31 S$342.14 S$723.64 S$1,348.37 1 year S$916.41 S$489.49 S$1,102.11 S$2,084.12
4 Family refers to you, your legal spouse and up to 3 of your children
Premiums above include prevailing GST
Discount3
| Policy Period | Discount |
|---|---|
| 2 Years | 5% |
| 3 Years and Above | 7.5% |
3 Discount is applicable when policy is incepted for 2 years or more
Notes
- Eligibility
-
You must be:
- between 15 to 45 years of age
- a Singapore citizen, Singapore permanent resident or foreigner holding a valid Singapore student pass
- registered as a full-time student with an overseas educational institution or participating in a student exchange program or industrial attachment overseas as arranged by your educational institution in Singapore
- Major Exclusions
-
This policy will not cover any loss, injury, illness, damage or legal liability arising directly or indirectly from:
- illegal or unlawful acts
- suicide or self-inflicted injury
- HIV and related conditions
- pregnancy or childbirth and related complications
- participation in professional and/or competitive sports
- pre-existing conditions
- mental and nervous disorders
- travel in, to or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan, Syria, and Lebanon
- Policy Owners' Protection Scheme
-
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is 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 us ([email protected]) or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
