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When You suffer Injury or Accidental death while Overseas from participating in Adventurous Activities for leisure and non-competitive purpose, and done with a licensed operator.
‘Adventurous Activities’ refers to the following:
(a) Bungee jumping;
(b) Flying / hot air balloon rides for sightseeing;
(c) Hiking or trekking up to 3500 meters above sea level;
(d) Mountaineering that ordinarily does not require the use of specific climbing equipment and ropes;
(e) Rock climbing;
(f) Parachuting, sky-diving, hang-gliding;
(g) Ice Sports; Snow sports within approved areas of the ski resort;
(h) White water rafting up to grade 3;
(i) Scuba Diving provided:
– You are diving no deeper than 30 meters under the supervision of a qualified diving instructor; or
– You dive within the certified depth under Your PADI certification (or equivalent qualification) and You are diving with a buddy who holds the same or higher PADI certification (or equivalent qualification);
(j) Any other sporting activities that are open to the general public without restriction (other than height or general health or fitness warnings).

The exclusions listed here apply to the whole Policy. We will not pay any benefits from this Policy if the claim is caused directly or indirectly by any of these exclusions.

Please refer to policy wording for the “what is not covered” applicable to the respective section of the policy

1. Behavioural Exclusions
(a) When You commit:
i. any act which is illegal at the place where it occurred; or
ii. suicide or intentional self-injury.
(b) When You are under the influence of:
i. the medication or drugs which You consume without taking precautions, as prescribed by Your Doctor; or ii. alcohol.
(c) If You suffer from any mental or nervous disorder.

2. Medical Exclusions
(a) Any Pre-Existing Medical Condition, including congenital conditions.
(b) You travelling for the purpose of getting medical treatment.
(c) Pregnancy and all its related conditions (unless covered under Section 7 – Pregnancy Related Expenses).
(d) Any medical treatment which, in the opinion of the Doctor treating You, could have been reasonable delayed until You return to Singapore.
(e) Any cosmetic treatment except to restore function after suffering an Injury.
(f) HIV, AIDS and/or any sexually transmitted disease.

3. Activity Exclusions
When You take part in the following activities unless covered under Section 35 – Adventure Cover:
(a) Flying or other aerial activities except as a fare-paying passenger in a licensed passenger-carrying aircraft.
(b) Any sports that are played in a professional capacity or in competition involving prize money, donations, sponsorship or reward of any kind.
(c) Extreme Sports or underwater activities requiring the use of artificial breathing apparatus. Extreme Sports refers to activities that presents a high level of inherent danger (that is, involving exceptional speed and height, high level of expertise, exceptional physical exertion or highly specialised gear or stunts) such as big wave surfing, cliff jumping, horse jumping, potholing, ultra marathons, biathlons, triathlons, stunt riding, etc.
(d) Expedition to generally inaccessible and remote areas of a country or areas previously unexplored.

4. Travel Exclusions
(a) When You travel in, to or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan or Syria.
(b) When You travel to any country which the Singapore government has advised against non-essential travel due to any war or warlike event, Strike, Riot or Civil Commotion, disease outbreak or unsafe health conditions, impending natural disasters or any other events of similar nature. This exclusion does not apply if You have already started Your trip before the issuance of such travel advisory.

5. Circumstantial Exclusions
(a) War, invasion, act of foreign enemy hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, military or usurped power.
(b) Action taken by any government authority including confiscation, seizure, destruction and restriction.
(c) Any nuclear reaction or contamination, ionising rays or radioactivity.

6. Professional Exclusions
Your work involving these occupations or occupational activities:
(a) Full-time military, airforce, navy, police or civil defence personnel;
(b) Air crew, motor racer, entertainer or armed security guard;
(c) Manual worker, regardless of whether machinery and tools are used. E.g. construction workers and kitchen help;
(d) Working off-shore e.g. on board sea vessel or off-shore platform, diver or fisherman;
(e) Working at heights above 30 feet, including but not limited to roofing activities on a scaffolding or a gondola;
(f) Working in hazardous places. E.g. shipyard, underground in a tunnel or a quarry;
(g) Working with explosives or hazardous substances.

Looking for Corporate Travel annual plan?

From falling ill and flying out a replacement colleague to a missed flight or a lost passport, these contingencies and more are covered giving both your business and employees total peace of mind.

See our Corporate Travel plans for round-the-clock protection for your employees on the move

For single trip corporate travel plan, please contact us to issue : the Company as the Policyholder, covering the Employee travelling