24 Hours Emergency Help Line at

+65 6672 5091

(The Medical Evacuation Assistance Provider is Global Assistance & Healthcare [GAH])

Frequently asked questions

Who is eligible to apply for EQ Travel?


Insured Person(s) must be residing in Singapore, who are Singaporeans, Permanent Resident or Foreigners with a valid Employment Pass, Work Permit, Dependant Pass or Student Pass.




Who can be covered under a Family Plan?


Single Trip Plan: Maximum 2 adults travelling with any number of child(ren). The 2 adults need not be related but the child(ren) must each be legally related to either of the 2 adults. Annual Plan: Maximum 2 adults who are husband and wife and legally married to each other with any number of child(ren) who must be the legal child(ren) of the 2 adults.




Can my child be covered in full just like an adult?


Yes, provided your child is aged 18 and above and have applied and paid for an Individual cover.




What is the maximum duration for a trip to be covered?


Single Trip Plan: Coverage is up to 182 days.

Annual Plan: Coverage is up to 91 days for each trip.




How soon can I activate EQ Travel?


EQ Travel can be activated up to 90 days prior to departure from Singapore.




Can I activate EQ Travel after my departure date?


You wont be able to do so as EQ Travel has to be purchased before your departure from Singapore.




If I am already suffering from some medical illnesses or conditions, will I be able to claim for such treatment during my trip?


You will not be able to claim as EQ Travel will not cover treatment for any pre-existing medical condition for which you are already receiving medical advice or treatment recommendation, medical treatment, diagnosis, consultation or prescribed drugs within a 12 months period prior to your trip.




If I sustained an injury or illness whilst overseas, can I continue with my medical treatment upon my return to Singapore?


Yes. EQ Travel will cover the medical expenses necessarily incurred for medical treatment or follow-up treatment in Singapore for an injury or illness sustained whilst overseas for up to 30 days if medical treatment had already been sought overseas or up to 7 days if no prior medical treatment was sought overseas.




Can I seek Specialist Treatment without referral letter from General Practitioner (GP)?


You will not be able to do so as all treatments including specialist treatment must be prescribed or referred by a GP in order for expenses to be reimbursed under this Policy.




Does EQ Travel cover dental treatment?


Yes. EQ Travel covers the cost of dental treatment to restore sound and natural teeth caused by an accident.




If I have to cancel my trip because I have been refused entry at the immigration checkpoint, will I be covered under the Trip Cancellation?


You won't be able to do so as EQ Travel does not cover any loss caused by government regulations or control.

The Trip Cancellation will cover only the following events:

You or your travel companion’s death or serious illness or compulsory quarantine, or Unexpected strike, riot or civil commotion beyond your control at the planned destination, or Serious damage to your principal residence from fire, flood or similar natural disaster which require you to be present at the principal residence, or Witness summons or jury service.




I have realised my bag has been stolen when I left it on the table while taking some photographs. Can I claim for this loss of baggage?


EQ Travel does not cover loss, damage or theft of insured’s property left unattended in a public place.




Are there any excluded sports or activities?


Accidents while engaged in racing, motor rallies and competitions, mountaineering (reasonably requiring the use of ropes), rock climbing and hiking / trekking in remote areas unless with licensed guides, pot-holing, any activity being airborne (whether suspended or not), not limiting to parachuting, hand gliding, bungee jumping, sky diving or high diving, underwater activities requiring the use of artificial breathing apparatus except leisure scuba diving under the supervision of a qualified diving instructor, sports or games in a professional capacity are excluded.




Is the premium refundable?


  • Single Trip Plan: No refund of premium once the Certificate of Insurance has been issued
  • Annual Plan: EQ will refund the premium as follows:

Period of Cover Short-Period Premium Refundable

2 months and below 80% of Annual Premium

4 months and below 40% of Annual Premium

6 months and below 20% of Annual Premium

More than 6 months 0% of Annual Premium




What should I do if I need any emergency assistance while I am travelling overseas?


call this 24 Hours Emergency Help Line at (65) 6672 5091 (The Medical Evacution Assistance Provider is Global Assistance & Healthcare [GAH])





@2019 NRM Insurance Agency Pte Ltd 

Privacy Policy