1. We/Our/Us/Insurer means United Overseas Insurance Ltd and Allianz Insurance Company of Singapore Pte Ltd.

2. You/Your/Insured Person means the Insured Person(s) shown in the Schedule of the Policy or Certificate of Insurance.

3. Journey or Trip means the period commencing from the time you leave your place of residence or business to proceed directly to the place of embarkation to Singapore to commence the intended destination(s) and ceases when you return to your place of residence or business or 3 hours upon your arrival in Singapore after clearing the immigrations or the expiry of the period of insurance shown on the Policy or Certificate of Insurance, whichever is the earlier. Subject to maximum duration of trip not more than 185 days for Single Trip Policy and each trip not more than 90 days for Annual Policy.

4. Single Trip Policy means a policy where premium is charged according to the selected plan, duration and destination(s) of each trip undertaken during the policy period.

5. Annual Policy means a policy issued for the selected Plan where you can make unlimited number of trips to the selected region of travel but each trip lasting not more than 90 days.

6. Child means a fully dependant child under the age of eighteen (18) years or up to twenty-three (23) years who is studying full-time in a recognised institution of higher learning who is not married nor in employment.

7. Family means you and/or your spouse with any number of dependent child under the age of 18 years or up to 23 years who is studying full-time in a recognised institution of higher learning who is not married nor in employment.

8. Accident shall mean an unforeseen and unexpected event.

9. Injury shall mean bodily injury caused by an Accident by violent, external and visible means, and which shall have occured solely by and independently of any other causes. Such bodily injuries resulting in permanent disability or death.

10. Illness shall mean any noticeable change in the physical health of an Insured Person due to a medical condition contracted, commencing or manifesting whilst overseas during the period of the insured Trip in which the Insured Person seeks the care of a Qualified Medical Practitioner acting within the scope of his/her license to treat for which the claim is made provided the illness is not pre-existing and the nature of the illness is not excluded from this Policy.

11. Serious Injury OR Serious Illness whenever applied to the Insured Person, is one which requires treatment by a Qualified Medical Practitioner and which results in the Insured Person being certified by that Qualified Medical Practitioner as unfit to travel or continue with his/her original Trip. When applied to the immediate family member, it shall mean Injury or Illness certified as dangerous to life by a Qualified Medical Practitioner and which results in the Insured Person's discontinuation or cancellation of his/her original Trip.

12. Qualified Medical Practitioner shall mean a licensed practitioner of the healing arts acting within the scope of his/her license. The attending Qualified Medical Practitioner may not be the Insured Person, the Insured Person's spouse, a person booked to accompany the Insured Person on the trip, or a person who is related to the Insured Person.

13. Curtailmentmeans abandonment of the planned trip after arrival at the booked destination as shown on the booking invoice and return to place of residence in Singapore.

14. Money means cash,bank or currency notes,cheques,travellers' cheques,postal or money orders, petrol coupons or credit vouchers.

15. Travel documents means travel-tickets and passports.

16. Dental expenses means expenses for dental treatment.

17. Dental Treatment means emergency treatment of teeth to stop sudden pain. This does not include normal or ongoing care of teeth care or cosmetic surgery to replace crowns or dentures.

18. Pre-existing condition means any injury,illness or condition

(a) for which treatment, or medication, or advice, or diagnosis has been sought or received during the twelve (12) months prior to the commencementof the Policy for you concerned, or

(b) which was known by the Insured (or anyone insured under the Policy) to exist prior to the commencement of the Policy whether or not treatment, or medication, or advice, or diagnosis was sought or received.

(c) For annual plan policyholders, pre-existing conditions apply to subsequent trips if an Insured Person has made a claim for a medical condition on a previous trip.

19. Scheduled public conveyance means any air,land or water conveyance which is duly licensed for the regular transportation of fare-paying passengers but shall exclude any hired or rental car or any conveyance operated for the purpose of amusement or entertainment.

20. Permanent Total Disablement means absolute disablement for twelve (12) calender months and at end of that time beyond hope of improvement.

21. Loss of Limb means loss by physical severance of a hand at or above the wrist or of a foot at or above the ankle including permanent loss of use of complete hand or foot.

22. Loss of an Eye means the complete and irrecoverable and irremediable loss of sight of an eye.

23. Contents means household furniture and furnishing, clothing and personal effects belonging to you or to members of your family or domestic servants permanently residing with you and fixtures you own (or for which you are responsible) not being landlord's fixtures and fittings excluding deeds,bonds,bill of exchange,promissory notes,cheques,travellers' cheques,securities for money,documents of any kind,cash,currency notes.

24. Valuables means articles of gold,silver or other precious metal jewellery,furs,watches and precious or semi-precious gems.