Overview:
Traveling to Tibet, a country with a breathtaking scenery combined with rich cultural heritage, is indeed an unforgettable experience. However, because of its location and altitude, not to mention particular travel restrictions, a comprehensive travel insurance that covers you for several benefits is highly recommended. With this, it is wise to consider a travel insurance that provides coverage for medical expenses, personal accidents, emergency medical evacuation & repatriation, and hospitalization.
Things to Consider when travelling to Tibet:
High Altitude Area: Due to high altitude and remoteness, Tibet poses a unique set of health concerns. For current health information about traveling in Tibet, it is recommended that you consult your doctor or other healthcare professional long before your expected date of departure. In this case, it is a must to avail an insurance that covers high altitude travels. Income Insurance covers up to 4,000 metres, while AIG Travel Guard covers altitude activities up to 6,000 metres.
Follow a Tour: Most parts of Tibet is currently off-limits to independent travelers—although, things could change in the future; only groups that have made full reservations through travel agencies and have the necessary permits are currently permitted entry into Tibet. Additionally, most insurance only covers you if you are under the guidance of a tour operator.
Here are the best travel insurance that covers high altitude areas:
 AIG Travel Guard | Classic | Superior | Premier |
Accidental Death and Permanent Disablement | |||
Adult below 70 years old | S$100,000 | S$200,000 | S$300,000 |
Adult above 70 years old | S$50,000 | S$100,000 | S$150,000 |
Child | S$50,000 | S$100,000 | S$100,000 |
Medical Expenses Incurred Overseas | |||
Adult below 70 years old | S$200,000 | S$1,000,000 | S$2,500,000 |
Adult above 70 years old | S$50,000 | S$75,000 | S$200,000 |
Child | S$200,000 | S$200,000 | S$300,000 |
Emergency Medical Evacuation | S$500,000 | Unlimited | Unlimited |
Repatriation | Unlimited | Unlimited | Unlimited |
Hospital Income (S$200 per day) | Max. S$10,000 | Max. S$30,000 | Max. S$50,000 |
Notes: Can cover high altitude up to 6,000 metres | |||
 FWD | Premium | Business | First |
Personal Accident | |||
Adult below 70 years old | S$200,000 | S$300,000 | S$400,000 |
Adult above 70 years old | S$40,000 | S$60,000 | S$80,000 |
Child | S$60,000 | S$90,000 | S$120,000 |
Medical Expenses Incurred Overseas | |||
Adult below 70 years old | S$200,000 | S$500,000 | S$1,000,000 |
Adult above 70 years old | S$40,000 | S$100,000 | S$200,000 |
Child | S$60,000 | S$150,000 | S$300,000 |
Emergency medical evacuation & repatriation | Unlimited | Unlimited | Unlimited |
Daily hospital cash while overseas | S$5,000 | S$8,000 | S$10,000 |
Notes: Can cover high altitude up to 3,000 metres | |||
 Income Insurance | Classic | Deluxe | Preferred |
Personal Accident | |||
Adult below 70 years old | S$150,000 | S$200,000 | S$500,000 |
Adult above 70 years old | S$100,000 | S$125,000 | S$200,000 |
Child | S$75,000 | S$100,000 | S$125,000 |
Medical Expenses Overseas | |||
Adult below 70 years old | S$250,000 | S$500,000 | S$1,000,000 |
Adult above 70 years old | S$300,000 | S$300,000 | S$350,000 |
Child | S$150,000 | S$200,000 | S$300,000 |
Overseas Hospital Allowance | Max. S$10,000(S$100/day) | Max. S$20,000(S$200/day) | Max. S$50,000(S$200/day) |
Emergency medical evacuation | |||
Adult below 70 years old | S$500,000 | Unlimited | Unlimited |
Adult above 70 years old | S$300,000 | S$300,000 | S$350,000 |
Child | S$500,000 | Unlimited | Unlimited |
Notes: Can cover high altitude up to 4,000 metres | |||
 Chubb Travel Insurance | Basic | Essential | Supreme | Ultimate |
Accidental Death and Disablement | ||||
Adult below 65 years old | S$50,000 | S$150,000 | S$200,000 | S$500,000 |
Adult above 65 years old | S$25,000 | S$75,000 | S$100,000 | S$125,000 |
Child | S$10,000 | S$50,000 | S$75,000 | S$100,000 |
Overseas Medical Expenses | ||||
Adult below 65 years old | S$20,000 | S$250,000 | S$500,000 | S$2,000,000 |
Adult above 65 years old | S$10,000 | S$75,000 | S$100,000 | S$200,000 |
Child | S$4,000 | S$100,000 | S$250,000 | S$250,000 |
Overseas Hospital Confinement Benefit ($200 per 24 hours) | NIL | S$20,000 | S$30,000 | S$40,000 |
Chubb Assistance - Emergency Medical Evacuation (Covers all Chubb Assistance expenses for Emergency Medical Evacuation due to Critical Medical Condition) | ||||
Adult below 65 years old | S$20,000 | Unlimited | Unlimited | Unlimited |
Adult above 65 years old | S$20,000 | S$100,000 | S$100,000 | S$200,000 |
Child | S$20,000 | S$100,000 | S$100,000 | S$200,000 |
Notes: Can cover high altitude of 4,000 metres | ||||
Conclusion:
AIG Travel Guard has the highest coverage for medical expenses and covers high altitude activities up to 6,000 meters (must be under the guidance of a local tour operator). As such, it is more appropriate for those who are particularly concerned about the health risks which are crucial for Tibet travel due to its high altitude and remote locations. Income Insurance covers trekking for up to 4,000 metres but must be open to public without restrictions, and with a guidance of a local tour operator.
How to ensure you receive your rewards after sign up?
Step 1: After you have purchased your travel insurance, you should receive your policy number which could look something like this:
Step 2: You should have received the below email titled “Ready to Secure Your Reward?” from no-reply@singsaver.com.sg. Proceed to click “Claim Your Reward Now“:
Step 3: Fill up your details with your policy number and click “Confirm“. And you are good to go.
If you fulfill the conditions set forth for the rewards, you can expect your rewards redemption notification to be sent to your email once the terms are fulfilled
💳 Credit cards change their T&Cs every so often and it is difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates to get the most out of your spending.
💡 We believe in always paying our credit card bills on time and in full. It is only by doing that, can we fully maximise our credit card benefits.
