QBE Singapore has now joined the bandwagon of inclusivity. As long as both the adults share the same residential address, you now do not need to buy a separate policy for the other single adult.
Here are some of the FAQs:
1. What is the couples plan in QBE Travel Insurance?
- The couple’s plan in QBE Travel Insurance provides comprehensive coverage for two individuals traveling together, whether they are married, in a de-facto relationship, or have been living together for at least 12 months. This plan offers the same extensive benefits as the individual plan but at a combined rate, making it more affordable for couples.
2. Who is eligible for the couples coverage?
- The couple’s coverage is available for two adults who are either married, in a de-facto relationship, or have lived together for at least 12 months. Both individuals must be Singapore residents.
3. What does the couples plan cover?
- The couple’s plan offers the same coverage as individual plans, including:
- Medical and additional expenses up to SGD 2,000,000 (Super Plus plan).
- Accidental death and permanent disablement up to SGD 500,000.
- Baggage and personal effects up to SGD 8,000.
- Full terrorism cover and rental car excess charges, among other benefits.
4. Is the couples plan more affordable than individual plans?
- Yes, the couple’s plan is designed to provide similar benefits as individual plans but at a lower combined rate. It offers savings for couples traveling together by providing joint coverage rather than two separate policies.
5. Does the couples plan cover both medical emergencies and trip inconveniences?
- Yes, the couple’s plan covers medical emergencies such as overseas hospitalisations, medical evacuations, repatriation, and COVID-19-related expenses. It also provides reimbursement for trip inconveniences such as travel delays, loss of baggage, personal effects, and cancellation costs.
6. Are pre-existing conditions covered under the couples plan?
- The couple’s plan includes coverage for medical emergencies related to pre-existing conditions, as long as they are disclosed and approved at the time of policy purchase.
7. What are the COVID-19 benefits in the couples plan?
- The couple’s plan includes coverage for COVID-19 related medical expenses, trip cancellations due to positive diagnoses, and quarantine costs. However, coverage applies only if both travelers are fully vaccinated and traveling to eligible countries as per Singapore’s ICA guidelines.
8. Can the couples plan be used for both short-term and long-term trips?
- Yes, the couple’s plan is available for both single-trip and annual coverage. You can choose between these options based on how frequently you travel together.
9. Does the couples plan include coverage for pregnancy-related expenses?
- Yes, the couple’s plan covers pregnancy-related medical expenses incurred while traveling, including emergencies up to SGD 8,000 (Super Plus plan).
10. What happens if one partner needs to cancel the trip?
- If one partner needs to cancel the trip due to an eligible reason (e.g., illness, injury), the couple’s plan provides reimbursement for cancellation fees and other non-refundable expenses, subject to the policy limits.