Explorer

Life is full of unexpected surprises, travel worry free

Explorer is an insurance plan that covers unexpected events for example accidents, flight delays and more while you travel.

Show me how to apply

Why Explorer?

Protect against accidents and emergencies

We provide 24 hours overseas emergency assistance in unfortunate accidents or emergencies on your travel. Just give us a call on our hotline and we’ll take care of you.

Cover travel delays and baggage losses

We cover your losses when there are unexpected travel inconveniences such as cancellations, delays and baggage theft and loss.

Don’t be caught unprepared

On a single day in 2014 there were 388 flight cancellations and 8,600 flight delays in the Asia Pacific region alone. Don’t be caught unprepared. With Explorer, you can travel worry-free.

We take care of hospital and medical expenses

We cover all medical expenses when you are overseas as well as in Singapore in case you fall sick or get injured. This includes hospital care, treatment, and emergency evacuations.

How it works

Apply for a Explorer plan before your trip

Choose the amount of coverage, return trip, one-way trip or annual trip. You can apply up to 3 months before your trip in case of cancellations.

Keep all travel related spending and receipts

Keep all receipts and spending documents, including hotel bookings, transportation, tour packages, car rentals, purchase receipts and so on in a safe place. You’ll need to submit them in case you need to make a claim.

Emergency help overseas

If something unfortunate happens or you need help overseas, call our 24-hour emergency assistance hotline at: +65 6339 2155 for travel and medical assistance.

What does Explorer cover?

Death and disablement:

More details

Accidental Death and Permanent Disablement

Starter
Basic coverage
Essential
Enhanced coverage
Ultimate
Most comprehensive coverage

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 expenses:

More details

Medical Reimbursement
 

Starter
Basic coverage
Essential
Enhanced coverage
Ultimate
Most comprehensive coverage

(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

(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

(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
Maximum S$30,000

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
Maxiumum S$700

S$100 Per Day
Maxiumum S$1,000

S$100 Per Day
Maxiumum S$1,500

(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

(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

     

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

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 Hospital visitation/ Compassionate visit or Child Companion benefit

S$100

S$200

S$300

Maximum Aggregate Limit for Emergency Medical evacuation, Repatriation of mortal remains, Hospital Visitation/ Compassionate Visit, Child Companion and Emergency Telephone Chargess

S$1,000,000

S$1,000,000

S$1,000,000

Travel inconveniences:

More details

Trip Cancellation
 

Starter
Basic coverage
Essential
Enhanced coverage
Ultimate
Most comprehensive coverage

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$800

S$100 Every 6 Hours
Maximum S$1,600

S$100 Every 6 Hours
Maximum S$2,000

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$5,000

S$250 Every 6 Hours
Maximum S$5,000

S$250 Every 6 Hours
Maximum S$5,000

Maximum Aggregate Limit for Trip Interruption, Trip Curtailment, Overbooked Flight, Travel Missed Connection, Travel Delay and Delay due to Hijack

     

Individual

S$5,000

S$10,000

S$15,000

Maximum aggregate 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

     

Covers loss of money due to robbery, burglary, theft or natural disasters

S$350

S$500

S$750

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$1,600

S$200 Every 6 Hours
Maximum S$2,000

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:

More details

Kidnap and Hostage
 

Starter
Basic coverage
Essential
Enhanced coverage
Ultimate
Most comprehensive coverage

Pays for every six (6) hours if the Insured Person is kidnapped whilst travelling Overseas

S$200 every 6 hours
Maximum S$2,000

S$200 every 6 hours
Maximum S$2,000

S$200 every 6 hours
Maximum S$2,000

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

Optional add-ons:

More details

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 of 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

Asia: Australia, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Korea, Laos, Macau, Malaysia, Myanmar, New Zealand, Philippines, Taiwan, Thailand, Vietnam

Worldwide: All countries

Please note that rates shown above are before any promotional discount.

Find out how much it costs

Enjoy 50% off Single Trip Plans and 25% off Annual Plan all-year-round when you pay via OCBC Online Banking or with your FRANK or OCBC credit/debit cards.

Individual:

More details

Duration (Days)

Starter Essential Ultimate

Asia

1 - 4

S$40.00

S$57.00

S$91.00

Additional per day

S$4.70

S$5.70

S$9.50

Annual

S$285.00

S$399.00

S$638.00

Worldwide

1 - 4

S$61.00

S$75.00

S$121.00

Additional per day

S$6.60

S$7.60

S$12.30

Annual

S$376.00

S$524.00

S$839.00

Asia: Australia, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Korea, Laos, Macau, Malaysia, Myanmar, New Zealand, Philippines, Taiwan, Thailand, Vietnam

Worldwide: All countries

Please note that rates shown above are before any promotional discount.

Optional add-ons:

More details

Single Trips (Asia)

 

Individual

Sports Equipment Cover

S$10.00

Top-up Cover

S$12.50

Rental Vehicle Excess

S$5.00

Home contents

S$6.00

Annual Plan (Asia)

 

Individual

Sports Equipment Cover

S$25.00

Top-up Cover

S$30.00

Rental Vehicle Excess

S$15.00

Home contents

S$18.00

Single Trips (WorldWide)

 

Individual

Sports Equipment Cover

S$15.00

Top-up Cover

S$17.50

Rental Vehicle Excess

S$7.50

Home contents

S$10.00

Annual Plan (WorldWide)

 

Individual

Sports Equipment Cover

S$40.00

Top-up Cover

S$45.00

Rental Vehicle Excess

S$30.00

Home contents

S$36.00

Asia: Australia, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Korea, Laos, Macau, Malaysia, Myanmar, New Zealand, Philippines, Taiwan, Thailand, Vietnam

Worldwide: All countries

Please note that rates shown above are before any promotional discount.

How do I make a claim?

1. Complete claim form

Download, print and complete the relevant sections in the Explorer claim form. Remember to attach all original receipts and relevant supporting documents.

2. Send us your claims

Send to:
Attention: Claims Department
The Overseas Assurance Corporation Limited
1 Pickering Street
#13-01 Great Eastern Centre
Singapore 048659

3. Receiving your claims

It takes around 7 working days from the date we receive your claim to approval. Once approved a cheque will be mailed to you with claimed amount. We’ll give you a call if we need any more info from you.

Am I eligible?

You and any Insured Persons must reside in Singapore and be either:

  • Singaporean, Singapore Permanent Resident or;
  • Foreigner with a valid Employment Pass, Work Permit or Dependent Pass.
For child coverage the child must be:

  • Between 3 months to 18 years or;
  • Up to 24 years old, if studying full-time in a recognised institution of higher learning

Online application, no documents required

How to apply

Apply online

Get a quick quote and apply through Great Eastern’s website. 
Apply Online

Call Us

Need more help deciding? Call us to sign up for Explorer or to have our questions answered.
Call us at +65 6248 2699 or email us at GI@ocbc.com. (Weekdays 9am to 5pm excluding public holidays)

More details about Explorer

Terms and Conditions Governing Explorer Promotion
Policy Owners’ Protection Scheme
Policy wording
Important Notes

Terms and Conditions Governing Explorer Promotion

  1. 50% discount shall be given for Single Trip plans purchased via OCBC Internet Banking (on desktop platform) or OCBC credit/debit card from 1 July 2016 to 31 December 2016 (both dates inclusive).
  2. No other promotion shall be applied together with the 50% discount on Single Trip plans for OCBC Internet Banking and OCBC debit/credit card promotion.
  3. 25% discount shall be given for Annual Plans purchased via OCBC Internet Banking (on desktop platform) or OCBC credit/debit card from 1 July 2016 to 31 December 2016 (both dates inclusive).
  4. No other promotion shall be applied together with the 25% discount on Annual Plans for OCBC Internet Banking and OCBC debit/credit card promotion.
  5. OCBC Bank reserves the right at its sole and absolute discretion to terminate the promotion or make changes to the promotion or any of these terms and conditions at any time without notice.
  6. The decision of OCBC Bank on all matters relating to this promotion shall be final and binding.

Important notes

The above is for general information only. It is not a contract of insurance. The precise terms and conditions of the plans are specified in the insurance policy contract. Explorer is underwritten by Overseas Assurance Corporation Ltd, a wholly-owned subsidiary of Great Eastern Holdings Ltd and a 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.

Policy Owners’ Protection Scheme

This plan 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 (http://www.gia.org.sg/ or http://www.sdic.org.sg/)