From 1 to 30 December 2024, enjoy up to 45% off your Essential and Ultimate travel insurance plans with the following promo codes:
- 45% off single trip plans: FLASH45
- 15% off annual trip plans: TAA15A
A first-of-its-kind savings account for kids aged 7 to 15, the OCBC MyOwn Account lets your child manage their own money while you stay in control.
T&Cs apply. Insured up to S$100k by SDIC.
Conveniently and securely exchange AUD, CAD, CHFNEW, CNH, EUR, GBP, HKD, JPY, NZD and USD, 24/7 via OCBC Digital, for your overseas transfer, travel payments, online spends, investments and more.
Reduce your taxable income by the same amount contributed to your SRS Account, with a maximum yearly contribution of S$15,300 for Singaporeans and Singapore PRs, and S$35,700 for foreigners.
From financial planning tools, investment options and insurance, our comprehensive array of solutions have been built to get you ahead in your every goal and ambition.
With our suite of travel products and services, spend less effort managing your travel and more time enjoying life's journeys.
Up to S$700,000 overseas medical insurance
Seamless claim process with PayNow
24-hour emergency overseas assistance hotline
Adult above 18 years old
Child between 3 months and 18 years old or full-time student below 24 years old can apply for child coverage
Singaporean, Singapore PR or foreigner with a valid pass/work permit
From 1 to 30 December 2024, enjoy up to 45% off your Essential and Ultimate travel insurance plans with the following promo codes:
Get instant savings with the best promotional rates automatically applied for you when you apply via the OCBC app.
See limited-time promotions for greater savings!
Get an instant quote and purchase directly in the OCBC app. Simply indicate your trip duration, destination and who the coverage is for.
Main applicant’s particulars are pre-filled (based on your information with the bank), and a direct debit option from your OCBC account is available.
Get up to S$7,500 for damage or loss of baggage and S$200 for every 6 hours of baggage delay, up to a maximum of S$2,000.
Get up to S$700,000 for overseas medical expenses in case of emergency.
Essential and Ultimate plan customers will automatically be covered for COVID-19.
View full coverage table
You can now purchase Explorer Travel Insurance directly on the OCBC app. Explore the benefits of buying via the app, and how to get started.
Enjoy extensive coverage with enhanced COVID-19 coverage
Unlike most travel insurance plans which requires you to opt-in for COVID-19 coverage, our Essential and Ultimate plans include COVID-19 coverage at competitive rates.
To be eligible, the following conditions must be met:
The following sub-limits apply for these coverages:
S$50,000
S$150,000
S$50,000
S$150,000
S$15,000
S$50,000
Emergency medical evacuation
Covers cost required for emergency medical evacuation expenses while overseas if insured person is diagnosed with COVID-19 overseas.
S$50,000
S$150,000
S$150,000
S$400,000
S$5,000
S$5,000
Travel inconveniences
S$3,000
S$4,000
(If you, a relative, or a travel companion is diagnosed with COVID-19 before your trip commences)
S$3,000
S$5,000
(If you, a relative, or a travel companion is diagnosed with COVID-19 before your trip commences)
S$1,000
S$1,500
(If you are placed under mandatory quarantine by the local authorities as a result of you being diagnosed with COVID-19 while you are overseas)
S$50/day
(Up to S$700)
S$100/day
(Up to S$1,400)
If you are hospitalized as a result of you being diagnosed with COVID-19 while you are overseas
S$50/day
(Up to S$700)
S$100/day
(Up to S$1,400)
If you are hospitalized or quarantined overseas as a result of you being diagnosed with COVID-19 while you are overseas
Up to 30 days
Up to 30 days
Overall limit per policy
(applicable to group purchases)
S$1 million
S$1 million
Choose from 3 travel insurance plans
Explorer offers you coverage with reimbursement for inconveniences, disruptions and medical expenses incurred while travelling.
Please refer to the table below for the Individual Cover limits. The limits under Family Cover are subject to the Individual Cover limits under the same plan for each Insured Person.
Coverage (S$) | Starter Plan Basic coverage |
Essential Plan Enhanced coverage |
Ultimate Plan Most comprehensive coverage |
---|---|---|---|
Death | |||
Accidental Death and Permanent Disablement |
|||
Adult | S$150,000 |
S$300,000 |
S$500,000 |
Elderly adult age 70 and above | S$75,000 |
S$150,000 |
S$250,000 |
Child | S$45,000 |
S$90,000 |
S$150,000 |
Maximum aggregate limit for Family Cover | S$375,000 |
S$750,000 |
S$1,000,000 |
Accidental Death on Public Transport |
|||
Adult | S$300,000 |
S$600,000 |
S$1,000,000 |
Elderly adult age 70 and above | S$150,000 |
S$300,000 |
S$500,000 |
Child | S$90,000 |
S$180,000 |
S$300,000 |
Maximum aggregate limit for Family Cover | S$750,000 |
S$1,500,000 |
S$2,000,000 |
Medical | |||
Medical reimbursement (a) Medical expenses incurred overseas |
|||
Adult | S$300,000 |
S$500,000 |
S$700,000 |
Elderly adult age 70 and above | S$90,000 |
S$150,000 |
S$210,000 |
Child | S$120,000 |
S$200,000 |
S$280,000 |
Maximum aggregate limit for Family Cover | S$1,000,000 |
S$2,000,000 |
S$2,500,000 |
Medical reimbursement (b) Medical expenses incurred in Singapore |
|||
Adult | S$15,000 |
S$25,000 |
S$35,000 |
Elderly adult age 70 and above | S$4,500 |
S$7,500 |
S$10,500 |
Child | S$6,000 |
S$10,000 |
S$14,000 |
Maximum aggregate limit for Family Cover | S$50,000 |
S$100,000 |
S$125,000 |
Medical reimbursement (c) Traditional Chinese Medical (TCM) treatment |
|||
Maximum Aggregate Limit for TCM visit | S$600 |
S$750 |
S$1,000 |
Maximum Aggregate Limit for (a), (b) and (c) |
|||
Adult | S$300,000 |
S$500,000 |
S$700,000 |
Elderly adult age 70 and above | S$90,000 |
S$150,000 |
S$210,000 |
Child | S$120,000 |
S$200,000 |
S$280,000 |
Maximum aggregate limit for Family Cover | S$1,000,000 |
S$2,000,000 |
S$2,500,000 |
Hospital cash (a) Hospital confinement |
|||
Hospital Confinement Overseas Each Insured Person in respect of each full day of Hospital Confinement | S$200 per day Maximum S$20,000 |
S$200 per day |
S$200 per day Maximum S$40,000 |
Hospital Confinement in Singapore upon immediate return from Overseas Each Insured Person in respect of each full day of Hospital Confinement | S$100 per day Maximum S$7,000 |
S$100 per day Maximum S$1,000 |
S$100 per day Maximum S$1,500 |
Hospital cash (b) Hospital visitation/compassionate visit |
|||
Pays travelling and hotel accommodation expenses incurred by one relative/friend if the Insured Person is hospitalised for more than 5 days or is deceased whilst Overseas | S$10,000 |
S$15,000 |
S$20,000 |
Hospital cash (c) Child companion |
|||
Pays travelling and hotel accommodation expenses incurred by one relative/friend to accompany the Insured Person's children back to Singapore following the hospitalisation of the Insured Person whilst Overseas | S$10,000 |
S$15,000 |
S$20,000 |
Emergency medical evacuation |
|||
Covers all Appointed Assistance Company emergency medical evacuation expenses | S$1,000,000 |
S$1,000,000 |
S$1,000,000 |
Repatriation of mortal remains |
|||
A. Covers all Appointed Assistance Company expenses incurred in returning the remains of the Insured Person who suffered loss of life during the Trip to Singapore | S$50,000 |
S$100,000 |
S$150,000 |
B. Burial of Mortal Remains Pay the reasonable expenses incurred for the funeral if the Insured Person suffers injury during the Trip which within ninety (90) days of its happening is the sole cause of his/her death | S$1,000 |
S$2,000 |
S$3,500 |
Emergency telephone charges |
|||
Pays actual mobile phone charges incurred for engaging the services of our Appointed Assistance Company for which a claim has been admitted under Accidental Death and Disablement, Accidental Death on Public Transport or Hopsital visitation/Compassionate Visit or Child Companion benefit | S$100 |
S$200 |
S$300 |
Maximum aggregate limit |
|||
Maximum Aggregate Limit for Emergency Medical evacuation, Repatriation of mortal remains, Hospital Visitation/Compassionate Visit, Child Companion and Emergency Telephone Charges | S$1,000,000 |
S$1,000,000 |
S$1,000,000 |
Travel | |||
Trip cancellation |
|||
Reimburses irrecoverable travel and accommodation expenses paid in advance if the Trip is cancelled | S$5,000 |
S$10,000 |
S$15,000 |
Maximum aggregate limit for Family Cover | S$15,000 |
S$30,000 |
S$40,000 |
Trip postponement |
|||
Reimburses administrative charges for travel and accommodation expenses paid in advance if the Trip is postponed | S$500 |
S$1,000 |
S$1,500 |
Maximum aggregate limit for Family Cover | S$1,500 |
S$3,000 |
S$4,000 |
Trip interruption |
|||
Covers the unused portion of the Trip due to Hospitalisation of the Insured Person | S$1,500 |
S$3,000 |
S$4,000 |
Maximum aggregate limit for Family Cover | S$4,000 |
S$7,500 |
S$10,000 |
Trip curtailment |
|||
Reimburses irrecoverable or additional travel and accommodation expenses incurred or forfeited after the commencement of the Trip | S$5,000 |
S$10,000 |
S$15,000 |
Maximum aggregate limit for Family cover | S$15,000 |
S$30,000 |
S$40,000 |
Overbooked flight |
|||
Fails to board the aircraft whilst Overseas due to overbooking of the flight in which a confirmed reservation had been received from the airline and no alternative transportation is made available | S$150 |
S$200 |
S$300 |
Maximum aggregate limit for Family Cover | S$400 |
S$500 |
S$750 |
Travel missed connection |
|||
Confirmed onward travel connection whilst Overseas is missed at the transfer point due to the late arrival of Your incoming confirmed connecting scheduled Common Carrier and no onward transportation is made available | S$150 |
S$200 |
S$300 |
Maximum aggregate limit for Family Cover | S$400 |
S$500 |
S$750 |
Travel delay |
|||
Insured Person's flight is delayed due to events specified in the Policy which prevents the Insured Person from continuing his/her Journey and the Insured Person is delayed from arriving at his/her planned destination by at least six (6) consecutive hours while Overseas | S$100 Every 6 Hours Maximum S$1,000 |
S$100 Every 6 Hours Maximum S$2,000 |
S$100 Every 6 Hours Maximum S$3,000 |
Flight delay by at least six (6) consecutive hours while in Singapore | S$100 Every 6 Hours Maximum S$500 |
S$100 Every 6 Hours Maximum S$500 |
S$100 Every 6 Hours Maximum S$500 |
Delay due to hijack |
|||
Insured Person's flight is delayed due to Hijack which prevents the Insured Person from continuing his/her Journey and the Insured Person is delayed from arriving at his/her planned destination by at least six (6) consecutive hours | S$250 Every 6 Hours Maximum S$7,500 |
S$250 Every 6 Hours Maximum S$7,500 |
S$250 Every 6 Hours Maximum S$7,500 |
Maximum Aggregate limit for Trip Interruption, Trip Curtailment, Overbooked Flight, Travel Missed Connection, Travel Delay and Delay due to Hijack |
|||
Individual | S$7,500 |
S$10,000 |
S$15,000 |
Maximum aggregate limit for Family Cover | S$15,000 |
S$30,000 |
S$40,000 |
Personal liability |
|||
Legal liability to third party any one occurrence and in the aggregate | S$500,000 |
S$1,000,000 |
S$1,000,000 |
Baggage loss |
|||
Covers loss or damage to baggage, clothing and personal effects. Maximum S$500 for any one article or a pair or a set of articles, S$1,000 in the aggregate for laptop computer, netbook and tablet and S$500 in the aggregate for handphones and spectacles | S$3,000 |
S$5,000 |
S$7,500 |
Personal money |
|||
A. Loss of Money Covers loss of money due to robbery, burglary, theft or natural disasters | S$350 |
S$500 |
S$750 |
B. Fraudulent Credit Card Usage Pays the financial loss whilst Overseas due to unauthorized charges being made from the Insured Person's Payment Card | S$1,000 |
S$2,000 |
S$3,500 |
Travel documents |
|||
Pays the replacement cost for passports, travel tickets and other relevant travel documents | S$3,000 |
S$5,000 |
S$7,500 |
Baggage delay |
|||
Insured Person's checked-in Baggage is delayed whilst Overseas for at least six (6) consecutive hours | S$200 Every 6 Hours Maximum S$1,000 |
S$200 Every 6 Hours Maximum S$1,000 |
S$200 Every 6 Hours Maximum S$1,000 |
Insured Person's checked-in Baggage is delayed whilst in Singapore for at least six (6) consecutive hours | Maximum S$200 |
Maximum S$200 |
Maximum S$200 |
Maximum Aggregate Limit for Baggage Loss, Personal Money and Travel Documents | S$3,000 |
S$5,000 |
S$7,500 |
Others | |||
Kidnap and Hostage |
|||
Pays for every six (6) hours if the Insured Person is kidnapped whilst travelling Overseas | S$200 Every 6 Hours Maximum S$5,000 |
S$200 Every 6 Hours Maximum S$5,000 |
S$200 Every 6 Hours Maximum S$5,000 |
Terrorism extension |
|||
Applies to Accidental Death and Disablement, Accidental Death on Public Transport, Medical expenses incurred overseas and Emergency Medical Evacuation section of the policy only if they occur as a result of an Act of Terrorism (Excluding use of biological, chemical agents or nuclear devices) | S$100,000 |
S$100,000 |
S$100,000 |
Automatic extension of cover |
|||
Extends the cover automatically without additional premium under specified circumstances | Covered |
Covered |
Covered |
Leisure adventurous activities |
|||
Covers activities listed in the Policy | Not covered |
Not covered |
Covered |
Death
Accidental Death and Permanent Disablement
S$150,000
S$300,000
S$500,000
S$75,000
S$150,000
S$250,000
S$45,000
S$90,000
S$150,000
S$375,000
S$750,000
S$1,000,000
Accidental Death on Public Transport
S$300,000
S$600,000
S$1,000,000
S$150,000
S$300,000
S$500,000
S$90,000
S$180,000
S$300,000
S$750,000
S$1,500,000
S$2,000,000
Medical
Medical reimbursement
(a) Medical expenses incurred overseas
S$300,000
S$500,000
S$700,000
S$90,000
S$150,000
S$210,000
S$120,000
S$200,000
S$280,000
S$1,000,000
S$2,000,000
S$2,500,000
Medical reimbursement
(b) Medical expenses incurred in Singapore
S$15,000
S$25,000
S$35,000
S$4,500
S$7,500
S$10,500
S$6,000
S$10,000
S$14,000
S$50,000
S$100,000
S$125,000
Medical reimbursement
(c) Traditional Chinese Medical (TCM) treatment
S$600
S$750
S$1,000
Maximum Aggregate Limit for (a), (b) and (c)
S$300,000
S$500,000
S$700,000
S$90,000
S$150,000
S$210,000
S$120,000
S$200,000
S$280,000
S$1,000,000
S$2,000,000
S$2,500,000
Hospital cash
(a) Hospital confinement
S$200 per day
Maximum S$20,000
S$200 per day
Maximum S$30,000
S$200 per day
Maximum S$40,000
S$100 per day
Maximum S$7,000
S$100 per day
Maximum S$1,000
S$100 per day
Maximum S$1,500
Hospital cash
(b) Hospital visitation/compassionate visit
S$10,000
S$15,000
S$20,000
Hospital cash
(c) Child companion
S$10,000
S$15,000
S$20,000
Emergency medical evacuation
S$1,000,000
S$1,000,000
S$1,000,000
Repatriation of mortal remains
S$50,000
S$100,000
S$150,000
S$1,000
S$2,000
S$3,500
Emergency telephone charges
S$100
S$200
S$300
Maximum aggregate limit
S$1,000,000
S$1,000,000
S$1,000,000
Travel
Trip cancellation
S$5,000
S$10,000
S$15,000
S$15,000
S$30,000
S$40,000
Trip postponement
S$500
S$1,000
S$1,500
S$1,500
S$3,000
S$4,000
Trip interruption
S$1,500
S$3,000
S$4,000
S$4,000
S$7,500
S$10,000
Trip curtailment
S$5,000
S$10,000
S$15,000
S$15,000
S$30,000
S$40,000
Overbooked flight
S$150
S$200
S$300
S$400
S$500
S$750
Travel missed connection
S$150
S$200
S$300
S$400
S$500
S$750
Travel delay
S$100 Every 6 Hours
Maximum S$1,000
S$100 Every 6 Hours
Maximum S$2,000
S$100 Every 6 Hours
Maximum S$3,000
S$100 Every 6 Hours
Maximum S$500
S$100 Every 6 Hours
Maximum S$500
S$100 Every 6 Hours
Maximum S$500
Delay due to hijack
S$250 Every 6 Hours
Maximum S$7,500
S$250 Every 6 Hours
Maximum S$7,500
S$250 Every 6 Hours
Maximum S$7,500
Maximum Aggregate limit for Trip Interruption, Trip Curtailment, Overbooked Flight, Travel Missed Connection, Travel Delay and Delay due to Hijack
S$7,500
S$10,000
S$15,000
S$15,000
S$30,000
S$40,000
Personal liability
S$500,000
S$1,000,000
S$1,000,000
Baggage loss
S$3,000
S$5,000
S$7,500
Personal money
S$350
S$500
S$750
S$1,000
S$2,000
S$3,500
Travel documents
S$3,000
S$5,000
S$7,500
Baggage delay
S$200 Every 6 Hours
Maximum S$1,000
S$200 Every 6 Hours
Maximum S$1,000
S$200 Every 6 Hours
Maximum S$1,000
Maximum S$200
Maximum S$200
Maximum S$200
S$3,000
S$5,000
S$7,500
Others
Kidnap and Hostage
S$200 Every 6 Hours
Maximum S$5,000
S$200 Every 6 Hours
Maximum S$5,000
S$200 Every 6 Hours
Maximum S$5,000
Terrorism extension
S$100,000
S$100,000
S$100,000
Automatic extension of cover
Covered
Covered
Covered
Leisure adventurous activities
Not covered
Not covered
Covered
The limits under Family Cover are subject to limits under the same plan for each Insured Person.
Boost your coverage with optional add-ons
Sometimes, your basic travel coverage isn’t enough. That’s why we have 4 add-on options to cater to your travel needs.
Optional add-ons | Coverage |
---|---|
Sports equipment cover | |
Covers loss of golf, diving, skiing, snowboarding and wakeboarding equipment - Maximum S$500 for any one article or a pair or a set of articles | S$1,500 |
Top-up cover for laptop computer, netbook and tablet under baggage loss | |
Additional S$1,000 coverage for loss or damage to your laptop computer, netbook and tablet | S$1,000 |
Rental vehicle excess | |
Pays the cost of the insurance excess of a car rented by the insured person if it is involved in an accident | S$1,500 |
Home contents | |
Pays for any damage due to fire to household contents of the insured Person's residence which was left vacant for the full duration of the trip | S$10,000 |
Sports equipment cover
S$1,500
Top-up cover for laptop computer, netbook and tablet under baggage loss
S$1,000
Rental vehicle excess
S$1,500
Home contents
S$10,000
Reach our 24-hour emergency assistance services via any of the 3 ways below for travel and medical assistance. This includes translation assistance, medical advice, arrangement of hospital admission, emergency medical evacuation and more.
By Online Submission:
Submit your claim online.
By Post:
Download and print the claims form. Complete the relevant sections.
Attach all original receipts and relevant supporting documents.
Mail it to the claims department.
Minimum age
18 years old
Nationality
Singaporeans, Singapore PRs and foreigners with a valid pass/work permit
Child coverage
Children aged between 3 months and 18 years old and full-time students below 24 years old can apply for child coverage
Yes, you are able to purchase the plan as long as you have fully recovered and are diagnosed as negative for COVID-19.
We will follow all vaccination, pre-departure tests and post-arrival tests requirements imposed by the authorities.
For some countries, self-administered ART, PCR or other self-test kit will not be accepted for pre-departure COVID-19 test to fly out of Singapore.
You must make an appointment from the list of MOH-approved COVID-19 test providers found on MOH website (https://www.moh.gov.sg/licensing-and-regulation/regulations-guidelines-and-circulars/details/list-of-COVID-19-swab-providers).
The COVID-19 Trip Cancellation coverage is claimable if you are forced to cancel your trip within the 30 days that it was due to start as a result of you, a relative, or a travel companion being diagnosed with COVID-19 by a medical practitioner in Singapore.
No. COVID-19 is only applicable should the trip is permitted under the latest permitted travel arrangement as per Singapore Government travel advisory.
You may refer to https://safetravel.ica.gov.sg/ for more information on the latest travel advisories issued by the Singapore government.
A medical practitioner has to diagnose that you are positive with COVID-19 while overseas. You are required to provide us with supporting documents such as Inpatient Discharge Summary Report (IPDS), doctor’s memo or diagnosis indicated on the Medical Certificate.
A Medical practitioner is a person who is registered and legally qualified as a doctor, has a medical degree in Western medicine, and is authorized by the medical licensing authority of the relevant country to provide the medical or surgical services their licence and training relate to.
The medical practitioner cannot be the insured or an insured person, or:
The policy is designed to protect you during your overseas journey. If you are diagnosed with COVID-19 upon arriving in Singapore, after your journey, you will not be covered by the policy.
Sub-limits are part of the original limit for each coverage. They do not provide extra coverage, but set a maximum to cover a specific loss. For non-COVID-19 coverage, the coverage amount will be as per existing coverage plan.
Covers non-refundable travelling and accommodation expenses, as well as any change in entertainment tickets paid in advance because you or your travel companion are diagnosed with COVID-19 by a medical practitioner, and as a direct result you are forced to change any part of your trip.
Covers the irrecoverable travel (on economy class), accommodation expenses and/or cost of entertainment tickets that were paid in advance if the trip is cancelled due to you, a relative or a travel companion being diagnosed with COVID-19 in Singapore within 30 days prior to the trip commencement.
Covers the irrecoverable administrative charges of travel, accommodation expenses and/or cost of entertainment tickets that were paid in advance if you are forced to postpone your trip within the 30 days before it was due to start as a direct result of you, a relative, or a travel companion being diagnosed with COVID-19 by a medical practitioner in Singapore.
Attention: Claims Department
Great Eastern General Insurance Limited
1 Pickering Street, #01-01
Great Eastern Centre,
Singapore 048659
We will only reimburse the overseas medical expenses incurred up to 90 consecutive days from the date you are diagnosed with COVID-19 by a medical practitioner.
If you pass away overseas within 30 days from the date you are diagnosed with COVID-19 by a medical practitioner.
The above is for general information only. It is not a contract of insurance. It does not constitute an offer to buy an insurance product or service. It is also not intended to provide any insurance or financial advice. The precise terms and conditions of the plans are specified in the insurance policy contract. Explorer is underwritten by Great Eastern General Insurance Limited, a wholly-owned subsidiary of Great Eastern Holdings Limited and member of the OCBC Group. Explorer is not a bank deposit or obligation of, or guaranteed by OCBC Bank.
No representation or warranty whatsoever (including without limitation any representation or warranty as to accuracy, usefulness, adequacy, timeliness or completeness) in respect of any information (including without limitation any statement, figures, opinion, view or estimate) provided herein is given by OCBC Bank and it should not be relied upon as such. OCBC Bank does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time. All information presented is subject to change without notice. OCBC Bank shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein.
Claims arising from events that have already occurred or made known to public via authorities or media before your application will not be covered.
Information presented as at 1 January 2024.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the General Insurance Association (GIA) or SDIC websites (www.gia.org.sg or www.sdic.org.sg).
More convenience with prepopulated personal details when you buy insurance via OCBC Online Banking. Choose to pay with your OCBC Savings/Current Account or OCBC Credit/Debit Card.
Via Great Eastern
By clicking on "Apply now", you will be leaving the OCBC Bank website to Great Eastern's website. OCBC Bank has no control over this website and is not responsible for its contents.
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