1.
Governing Law: This policy shall be governed
by and interpreted in accordance with singapore Law.
2.
Interpretation: This Policy and Certificate
of Insurance shall be read together and any word or expression
to which a specific meaning has been attached in any part
of this Policy or of the Certificate of Insurance shall bear
such meaning wherever it may appear.
3.
Observance: The due observance and fulfilment
of all the terms and conditions of this Policy by you or anyone
acting on his behalf insofar as they relate to anything to
be done or complied with by you or anyone acting on your behalf
shall be a condition precedent to any liability of the Insurer
to make any payment under this Policy.
4.
Reasonable Care: You shall act in prudent
manner and exercise reasonable care for the safety and supervision
of your property as if uninsured and to prevent loss,damage,accident,injury
or illness.
5.
Fraud: If you make a dishonest,fraudulent or intentionally
exaggerated claim or make a false declaration or statement
to support your claim, we may cancel the Policy or refuse
to pay you.
6.
Payment of Benefits: All benefits payable
under this Policy shall be paid to you concerned,and,in the
event of your death, to your estate. Such payment shall be
a full and final discharge to us. Benefits payable under this
Policy are in Singapore Dollars.
7.
Claims:
(a) If anything happens that might lead you to make
a claim, you must:-
(i)
notify us or our appointed loss adjuster, Crawford & Company
International Pte Ltd, in writing as soon as possible or within
31 days of the expiry of the Period of Insurance stetd in
the Certificate of Insurance.
(ii)
provide documents including receipts, information and evidence
as may be required (including where necessary translation)
by us at your or your legal representatives expense
(iii)
in the case of loss or damage to baggage or loss of money,
promptly notify us in writing to the police , hotel, transportation
company or transportation terminal authorities within 24 hpurs
and obtained a report at the place of loss
(b)
Except with our written consent, you must not admit liability
or give representations or otherundertakings bindingupon them.
We shall be entitled to conduct all proceedings arising out
of or in connection with claims in your name and to instruct
of our own choice for this purpose.
(c)
If you make a claim, we may:-
(i)
require you to submit to a medical examination at your expense
in support of all claims relating to bodily injury or illness
(ii)
arrange for a post-mortem examination at our expense
(iii)
take over and conduct in your name the defence or settlementof
any claim
(iv)
at our expenses take proceedings in your name to recover compensation
from any person responsible for the loss,damage,death or injury
and at our discretion, settle the proceedings
8.
Contribution: If there is any other insurance
covering the same loss, damage or liability we will pay the
rateable proportion. This however, will not be applicable to
section 1- Personal Accident.
9.
Subrogation: You shall at our expense do and
concur in doing, and permit to be done all such acts and things
as may ne necessary or reasonably required by us for the purpose
of enforcing any rights and remedies or of obtaining relief
or indemnify from other parties to which we shall be or would
become entitled or subrogated, upon its paying for or making
good any loss or damage under the Policy, whether such acts
and things shall be or become necessary or required before or
after your indemnification by us.
10.
Cancellation and Premium Refund:
For
Single Trip Policy - We will not refund your premium
once the Certificate of insurance is issued.For Annual
Plan - Both parties may cancel this Policy at any time
by giving 30 days' written notice by registered letter to the
known address of the other party and you shall be entitled to
a refund premium subject to our short period rates below:
