How do I activate the Amex Centurion travel insurance?

The cover applies automatically and complimentary as an American Express Centurion cardmember, but there is a condition: the travel fare for the outbound and return journey must be charged to the card. There is no separate opt-in form to submit, unlike some Singapore cards. If you book a flight on miles and only the airport taxes hit the card, that may not meet the full-fare condition, so check before you rely on it. Cover extends to your spouse and dependent children on the same qualifying trip. Keep the card statement showing the fare was charged, as Chubb checks this when you claim.

Does the Amex Centurion cover overseas medical expenses?

Yes. If you have an accident or fall ill overseas, Chubb's assistance agent arranges and pays for necessary in-hospital medical or surgical treatment. The Centurion policy wording does not name a separate dollar cap on the treatment itself, so Chubb arranges and bears what the treatment reasonably needs, subject to prior approval and the fare being charged to the card. This is real cover, not just an accident lump sum. It matters because MediShield Life, Singapore's national health scheme, does not cover overseas leisure treatment, and a serious admission in the US or Europe can run past S$100,000. Pre-existing conditions and claims under S$150 are excluded.

Does the Amex Centurion travel insurance cover COVID-19?

The policy wording does not name COVID-19 anywhere, and the general exclusions do not list epidemics or pandemics. On that basis, an overseas COVID illness is treated like any other illness, so overseas medical treatment and a cancellation caused by falling ill with COVID before the trip would generally be assessed as normal claims, subject to a doctor's certificate. Pre-existing conditions stay excluded. This is a card-specific reading: several Singapore card policies exclude COVID-19 outright, so never assume the position carries from one card to another. If COVID cover is important, confirm the current stance with Chubb before you travel.

How much personal accident cover does the Amex Centurion provide?

Personal accident is a lump sum paid for accidental death or permanent disablement. On a scheduled public conveyance, meaning a flight, ferry, train or bus you pay to ride (a common carrier), the card pays S$1,500,000 for death, total disablement or loss of two limbs or eyes, and S$750,000 for a single limb or eye. Off public transport, a general travel accident pays S$150,000. A dependent child is covered for S$150,000 on public transport and S$15,000 off it, and the cardmember, spouse and children are each covered, with Chubb also paying off the card's outstanding balance if a benefit is due. It is a headline accident sum, separate from the overseas medical benefit you would actually claim on for an illness.

Does the Amex Centurion cover trip cancellation?

Yes. If you cancel or postpone your trip because you, a travel companion, a close relative or the person you are visiting has an accident or falls ill before departure, or you are subpoenaed as a witness, Chubb reimburses non-refundable prepaid travel, accommodation, excursions and leisure costs up to S$20,000. The same S$20,000 applies to trip curtailment if you have to cut a trip short, plus reasonable travel costs to return home. You need a doctor's medical certificate for illness claims, the costs must have been charged to the card, and pre-existing conditions and anything known before booking are excluded.

How do I make a claim on my Amex Centurion travel insurance?

Claims are handled by Chubb Insurance Singapore, the underwriter. Submit online at the Chubb Amex claims centre or call +65 6299 0922 for claims enquiries, and for a medical emergency contact the assistance agent before any treatment or evacuation is arranged. File as soon as practicable and in any event within 30 days of the incident, with the supporting documents: itemised medical bills, police or carrier reports, unused tickets, and the card statement showing the travel fare was charged. If Chubb denies a claim and you disagree, you can escalate free of charge to FIDReC, the Financial Industry Disputes Resolution Centre, which handles disputes between consumers and financial institutions in Singapore.

How long can my trip be for the Amex Centurion cover to apply?

Cover runs for the duration of a covered trip, up to a maximum of 180 consecutive days per trip, or 240 days cumulatively within a 12-month Specified Period. After the 181st day of a single trip, you are no longer covered. There is a wider extension for a dependent child travelling for an extended stay, whose cover can run up to 365 consecutive days, provided their travel fare was charged to the card. For a longer stay than these limits, you would need a separate long-stay or expat policy.

Do I still need standalone travel insurance if I have the Amex Centurion?

For most travellers this card's cover is strong enough to lean on, but there are real gaps to weigh. Pre-existing conditions are excluded, the flight-delay, missed-connection and disruption payments are modest at a few hundred dollars per person, and every claim carries a S$150 minimum. If you travel with a managed medical condition, want higher delay and disruption limits, or plan a trip longer than 180 days, a standalone Singapore travel policy from around S$20 a trip fills those gaps. Think of the card as a strong base for overseas medical, evacuation, cancellation and baggage, topped up by a standalone policy where its limits or exclusions leave you short.

What does the Amex Centurion purchase protection cover?

Purchase protection replaces or repairs items you buy on the card that are stolen or accidentally damaged within 90 days, up to S$25,000 per incident and S$80,000 per card year, with a 10% excess and a S$150 minimum claim. The same Chubb policy adds extended warranty, which gives up to 24 extra months over the Singapore manufacturer's warranty on appliances up to S$25,000, and a return guarantee that refunds up to S$2,000 an item if a retailer refuses a valid return within 90 days. These three shopping benefits apply to purchases made in Singapore, not overseas. There is no price protection and no standalone mobile phone insurance in this policy.

Amex Centurion card Singapore: what does the travel insurance cover?

American Express·SGD 7,500/year·American Express·Chubb Insurance Singapore

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated September 23, 20268 min read

4,2/5Independent review · verified September 2026

Travel Insurance

4,4

Protection

3,2

Our Verdict · Travel Insurance

Our take on travel insurance for the American Express Centurion

Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews

For a credit card, the cover on the American Express Centurion is about as strong as complimentary travel insurance gets in Singapore. Underwritten by Chubb, it pays real overseas medical and surgical treatment arranged and billed by Chubb's 24-hour assistance agent, emergency evacuation and repatriation, and S$1,500,000 personal accident on a scheduled flight, ferry or train. It goes well beyond the thin accident certificates most cards offer: trip cancellation and curtailment up to S$20,000 each, baggage up to S$25,000, a short 4-hour flight-delay trigger and personal liability up to S$1,500,000 are all included. Cover switches on automatically when you charge the outbound and return travel fare to the card, with no separate opt-in form. Because the Centurion is invite-only, American Express does not publish the exact benefit schedule the way it does for mainstream cards, but the policy wording we read sits at or above the Platinum Charge on every section. The honest caveats still apply: pre-existing conditions are excluded, the delay and disruption payouts are modest at a few hundred dollars, every claim carries a S$150 minimum, and for a very high six-figure hospital bill a standalone policy can still carry a higher explicit medical limit. Treat this as a strong base to lean on, topped up by a standalone Singapore policy where its limits or exclusions leave you short.

What works on travel

Overseas medical and surgical treatment arranged and paid directly by Chubb's 24-hour assistance agent, with no separate dollar sub-limit stated in the policy wording
S$1,500,000 personal accident on a scheduled public conveyance, plus S$150,000 for a general travel accident, covering spouse and dependent children
Trip cancellation and curtailment up to S$20,000 each, baggage up to S$25,000, and personal liability up to S$1,500,000
Cover activates automatically when the travel fare is charged to the card, with a 4-hour flight-delay trigger and no opt-in form

Where travel breaks down

The card is invite-only, so American Express does not publish the exact Centurion benefit schedule; the figures here are read from the Chubb policy wording and can be revised without public notice
Annual fee of about S$7,500 plus a one-time joining fee of the same order: this is the most expensive card in Singapore, and the cover only makes sense alongside the card's other perks
Pre-existing conditions and Special Sports such as mountaineering and motor racing are excluded, and every claim carries a S$150 minimum
Cover is tied to fares charged to the card: book a trip where no travel fare hits the card and you may travel uninsured

Our methodology

Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.

Travel Insurance · 14 guarantees

What does American Express Centurion Travel Insurance actually cover?

The S$1,500,000 headline applies to an accident on a scheduled public conveyance (common carrier). A general travel accident off public transport pays S$150,000.

Deductible : No deductible

Personal accident is a lump sum paid for accidental death or permanent disablement. On a public conveyance (a scheduled flight, ferry, train or bus you pay to ride, also called a common carrier) the Amex Centurion pays S$1,500,000 for death, total disablement or loss of two limbs or eyes, and S$750,000 for loss of a single limb or eye. Off public transport, a general travel accident pays S$150,000. The cardmember, spouse and dependent children are each covered (a child gets S$150,000 on public transport and S$15,000 off it), and Chubb also pays off the card's outstanding balance if a benefit is due.

What's covered

Accidental death or permanent disablement within 365 days of the accident
S$1,500,000 for an accident on a scheduled public conveyance (common carrier)
S$150,000 for a general travel accident off public transport
Spouse and dependent children covered, with the card's outstanding balance also paid off

What's not covered

Pre-existing conditions
Special Sports such as mountaineering, motor racing and parachuting
War, self-inflicted injury, suicide and being under the influence of alcohol or drugs

The exact overall aggregate is not published for this invite-only card; the wording arranges and pays for necessary treatment rather than naming a medical sub-limit. COVID-19 is not named as an exclusion, so an overseas COVID illness is treated as any other illness.

Deductible : No deductible

If you have an accident or fall ill overseas, Chubb's appointed assistance agent arranges and pays for necessary in-hospital medical or surgical treatment, transport to hospital, and travel home after discharge. The Centurion policy wording does not state a separate dollar cap on the overseas medical treatment itself, so cover is arranged and borne by Chubb for what the treatment reasonably needs, with costs approved in advance and charged to the card. This matters because MediShield Life, Singapore's national health scheme, does not cover overseas leisure treatment, and a serious hospital admission in the US or Europe can run past S$100,000.

What's covered

Necessary in-hospital medical and surgical treatment overseas, arranged and paid by Chubb
Transport to hospital and travel home after discharge, with a medical escort if needed
Hospital cash of S$150 a day and a visit from a friend or relative if you are hospitalised alone

What's not covered

Pre-existing conditions
Treatment that can reasonably wait until you return to Singapore, or was planned before the trip
Sexually transmitted diseases and HIV-related illness, and claims under S$150

Evacuation and repatriation are arranged and borne by Chubb; the exact aggregate is not published, and the cover sits at or above the Platinum Charge.

Deductible : No deductible

If you need to be moved to a suitable hospital or flown back to Singapore, Chubb's 24-hour assistance agent arranges and pays for the transfer, including a medical escort where needed. An air ambulance from Bali or Bangkok back to Singapore commonly runs S$50,000 to S$120,000, so this is real protection. Search and rescue up to S$150,000 and repatriation of remains up to S$4,000 are also included.

What's covered

Emergency transfer to a suitable hospital and travel home with a medical escort
Search and rescue up to S$150,000
Repatriation of remains up to S$4,000

What's not covered

Costs not pre-approved by Chubb's medical advisor
Pre-existing conditions
Transport for treatment that can reasonably wait until you return to Singapore

Deductible : No deductible

Emergency dental treatment overseas to relieve pain or suffering, provided by a registered dental practitioner, up to S$4,000 per Specified Period (a 12-month card year). This is meant for acute, unexpected dental problems while travelling, not routine or planned work. Approval in advance is required.

What's covered

Emergency dental treatment overseas to alleviate pain or suffering
Up to S$4,000 per Specified Period

What's not covered

Dental treatment in Singapore
Routine or planned dental work
Claims under S$150

Deductible : No deductible

A cash payment of S$150 for each day you are hospitalised overseas, up to a maximum of 10 days, so S$1,500 in total. It is paid on top of the medical treatment benefit, to help with the incidental costs a hospital stay brings.

What's covered

S$150 for each day hospitalised as an in-patient overseas
Up to a maximum of 10 days

What's not covered

Days after Chubb's medical advisor says you can return to Singapore

COVID-19 is not named as an exclusion, so cancelling because you or a close relative falls ill with COVID before the trip is treated as any other illness, subject to a medical certificate.

Deductible : No deductible

If you cancel or postpone your trip because you, a travel companion, a close relative or the person you are visiting has an accident or falls ill before departure, or you are subpoenaed as a witness, Chubb reimburses non-refundable prepaid travel, accommodation, excursions and leisure costs up to S$20,000. A medical certificate from a doctor is needed for illness claims.

What's covered

Non-refundable prepaid travel, accommodation, excursions and leisure costs up to S$20,000
Accident or illness of you, a travel companion, a close relative or the person you are visiting
Being subpoenaed as a witness

What's not covered

Pre-existing conditions and circumstances known before booking
Claims under S$150
Failure to notify travel and accommodation providers promptly

Deductible : No deductible

Trip curtailment covers you when you cut short a trip and head home early. If you, a close relative, a travel companion or the person you are visiting has an accident or falls ill during the trip, Chubb reimburses up to S$20,000 for unused non-refundable travel and accommodation, plus reasonable travel costs to return to Singapore.

What's covered

Unused non-refundable travel, accommodation, excursions and leisure costs up to S$20,000
Reasonable travel expenses to return to Singapore

What's not covered

Pre-existing conditions and circumstances known before departure
Claims under S$150
Failure to notify providers promptly

This missed-departure payment sits under the Travel Inconvenience benefit; delayed flights and missed connections are covered separately and can rise to S$900 per person.

Deductible : No deductible

If you miss your flight because of an accident, a vehicle breakdown, or the breakdown or cancellation of public transport, and no alternative flight is available within 4 hours, Chubb pays S$300 per person. The cap is small, designed for meals and a short wait, not a full re-routing.

What's covered

Additional cover when you miss your flight and no alternative is available within 4 hours
S$300 per person

What's not covered

Where the airline offered alternative arrangements that were refused
Private charter flights where you are the only passengers
Claims where no costs were incurred

Deductible : No deductible

If your flight is delayed, cancelled or overbooked and no alternative flight is available within 4 hours, Chubb pays S$300 per person, rising by S$300 for each further 4-hour wait up to a maximum of S$900 per person. The 4-hour trigger is among the shortest in the market, though the payout is modest.

Recommended : SGD 1,000

What's covered

Delayed, cancelled or overbooked flight with no alternative within 4 hours
S$300 per person, rising to a maximum of S$900 per person

What's not covered

Where alternative travel was offered and refused
Voluntary compensation accepted for not travelling on an overbooked flight
Claims where no costs were incurred

Deductible : No deductible

If you miss a connecting flight at the transfer point because the incoming connecting flight arrived late, and no alternative is available within 4 hours, Chubb pays S$300 per person, rising by S$300 for each further 4-hour wait up to a maximum of S$900 per person.

What's covered

Missed connection due to the late arrival of the incoming connecting flight
S$300 per person, rising to a maximum of S$900 per person

What's not covered

Private charter flights where you are the only passengers
Claims where no costs were incurred
Failure to provide receipts

Deductible : No deductible

If your personal belongings are lost, stolen or damaged during a trip, Chubb reimburses the replacement or repair cost up to S$3,000 per item or set, and up to S$3,000 in total for valuables such as jewellery and watches. The overall baggage limit is S$25,000 per person per trip. Loss or theft must be reported to the police or carrier within 48 hours.

What's covered

Lost, stolen or damaged personal belongings
Up to S$3,000 per item or matching set
S$25,000 aggregate per person per trip

What's not covered

Normal wear and tear
Unattended or unsecured items
Watches, jewellery, cameras and computer equipment in checked-in baggage

Deductible : No deductible

If your checked-in baggage has not arrived within 4 hours of your arrival, Chubb pays S$300 per person, rising by S$300 for each further 4-hour delay up to S$900 per person. If the bag still has not arrived after 48 hours, an additional S$900 per person applies, so up to S$1,800 per person in total.

What's covered

S$300 per person when baggage is delayed more than 4 hours, rising to S$900
An additional S$900 per person if it is still delayed after 48 hours

What's not covered

Delay on the final leg of the return flight home
Claims where no costs were incurred
Failure to obtain a Property Irregularity Report

Deductible : No deductible

If your money or travel documents kept on you, in a safe or in a locked storage area of a vehicle are lost, stolen or damaged, Chubb reimburses up to S$2,500 (S$200 for a child under 16). This sits inside the S$25,000 baggage aggregate. Loss must be reported to the police within 48 hours.

Recommended : SGD 3,000

What's covered

Lost, stolen or damaged money or travel documents
Up to S$2,500 for a cardholder aged 16 and above

What's not covered

Currency shortages from errors or exchange-rate fluctuation
Documents other than travel documents
Claims under S$150

Deductible : No deductible

Personal liability covers you if, after an accident overseas, you face legal proceedings for injuring someone or damaging their property. Chubb appoints and pays a lawyer, covers legal costs up to S$40,000, and pays compensation awarded against you up to S$1,500,000 per accident. Personal liability claims commonly reach hundreds of thousands of dollars, so this is meaningful cover that many card policies leave out.

What's covered

Compensation awarded against you up to S$1,500,000 per accident
Legal costs to defend the action up to S$40,000
Interpreter fees and economy travel to attend court where needed

What's not covered

Liability from motor vehicles, aircraft, watercraft, firearms or animals
Business, professional or contractual liability
Claims between family or connected persons, fines and punitive damages

We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?

Report an error Send updated PDF

Coverage Radar

Where the American Express Centurion wins, where it loses

Coverage snapshot for this tab — click any layer to highlight its scores.

Accidental death: well above the market average

Medical repatriation: well above the market average

Medical fees abroad: well above the market average

Compare

CenturionThis card4.2/5?

SGD 7,500/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

SGD 214 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the American Express Centurion stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Centurion shoppers also consider.

Card	This card Centurion American Express · SGD 7,500/yr 4.2/5?	Platinum Charge American Express · SGD 1,744/yr 3.8/5?	ULTIMA Citibank · SGD 4,199/yr 2.9/5?
Trip cancellation Per person, per trip cap	S$20,000 S$20,000 prepaid costs	S$10,000 S$10,000 prepaid costs	S$10,125 per person Up to S$10,125
Emergency medical Hospital bills abroad	Chubb arranges and pays No stated medical sub-limit	Up to S$1,000,000 Section 4 aggregate S$1,000,000	S$675,000 S$675,000 overseas medical
Emergency evacuation Air ambulance + repatriation	Arranged and paid by Chubb Evacuation + repatriation	Up to S$1,000,000 Evacuation + repatriation	S$675,000 S$675,000 evacuation
Trip delay trigger Hours before benefits kick in	4h / up to S$900 Trigger: 4 hours	4h / S$400 Trigger: 4 hours	4h / S$675 Trigger: 4 hours
Trip interruption Covered amount	S$300/person S$300 per person	S$400/person (S$800/family) S$400 per person	Not covered

StrongLimited / misleadingNot covered

Data verified against each card's Guide to Benefits, May 2026.

Cardholder reviews

What cardholders say about the American Express Centurion

Cardholder experience with the card 1 reviews

Aaron Wong (The MileLion)

For a very specific profile

This is the card for the guy who drops $170M on a painting, or wants a concierge who knows what they need before they ask.

Chubb Singapore claims

+65 6299 0922

Office hours

Chubb 24-hour emergency assistance

+65 6299 0922

Contact Chubb's assistance agent before incurring medical or evacuation costs · 24/7

Benefit administrator: Chubb Insurance Singapore Limited

Claims & pre-authorizations

How to make an Amex Centurion travel insurance claim

Step 1: Notify Chubb as soon as possible

Start your claim with Chubb within the notice period in the certificate, commonly 30 days of the incident. Only expenses charged to the Amex Centurion can be reimbursed where the benefit requires the fare to be charged to the card.

Step 2: Gather the proof Chubb needs

Keep the card statement showing the fare was charged, your boarding passes, and for a medical claim the doctor's report and receipts. For delayed or lost baggage, get a Property Irregularity Report from the airline before leaving the airport; for theft, file a police report within 24 hours.

Step 3: Escalate to FIDReC if a fair claim is denied

If Chubb rejects a claim you believe is valid, escalate free of charge to FIDReC, the Financial Industry Disputes Resolution Centre, within 6 months of the insurer's final reply. FIDReC independently mediates disputes between consumers and financial institutions in Singapore.

The cover applies automatically and complimentary as an American Express Centurion cardmember, but there is a condition: the travel fare for the outbound and return journey must be charged to the card. There is no separate opt-in form to submit, unlike some Singapore cards. If you book a flight on miles and only the airport taxes hit the card, that may not meet the full-fare condition, so check before you rely on it. Cover extends to your spouse and dependent children on the same qualifying trip. Keep the card statement showing the fare was charged, as Chubb checks this when you claim.
Yes. If you have an accident or fall ill overseas, Chubb's assistance agent arranges and pays for necessary in-hospital medical or surgical treatment. The Centurion policy wording does not name a separate dollar cap on the treatment itself, so Chubb arranges and bears what the treatment reasonably needs, subject to prior approval and the fare being charged to the card. This is real cover, not just an accident lump sum. It matters because MediShield Life, Singapore's national health scheme, does not cover overseas leisure treatment, and a serious admission in the US or Europe can run past S$100,000. Pre-existing conditions and claims under S$150 are excluded.
Yes. Chubb's 24-hour assistance agent arranges and pays to move you to a suitable hospital or fly you home to Singapore, with a medical escort where needed. This is the benefit that pays for an air ambulance, which from Bali or Bangkok back to Singapore commonly runs S$50,000 to S$120,000. Search and rescue up to S$150,000 and repatriation of remains up to S$4,000 are also included. Call the assistance agent before any evacuation is arranged, because prior approval is a condition of payment.
The policy wording does not name COVID-19 anywhere, and the general exclusions do not list epidemics or pandemics. On that basis, an overseas COVID illness is treated like any other illness, so overseas medical treatment and a cancellation caused by falling ill with COVID before the trip would generally be assessed as normal claims, subject to a doctor's certificate. Pre-existing conditions stay excluded. This is a card-specific reading: several Singapore card policies exclude COVID-19 outright, so never assume the position carries from one card to another. If COVID cover is important, confirm the current stance with Chubb before you travel.
Personal accident is a lump sum paid for accidental death or permanent disablement. On a scheduled public conveyance, meaning a flight, ferry, train or bus you pay to ride (a common carrier), the card pays S$1,500,000 for death, total disablement or loss of two limbs or eyes, and S$750,000 for a single limb or eye. Off public transport, a general travel accident pays S$150,000. A dependent child is covered for S$150,000 on public transport and S$15,000 off it, and the cardmember, spouse and children are each covered, with Chubb also paying off the card's outstanding balance if a benefit is due. It is a headline accident sum, separate from the overseas medical benefit you would actually claim on for an illness.
Yes. If you cancel or postpone your trip because you, a travel companion, a close relative or the person you are visiting has an accident or falls ill before departure, or you are subpoenaed as a witness, Chubb reimburses non-refundable prepaid travel, accommodation, excursions and leisure costs up to S$20,000. The same S$20,000 applies to trip curtailment if you have to cut a trip short, plus reasonable travel costs to return home. You need a doctor's medical certificate for illness claims, the costs must have been charged to the card, and pre-existing conditions and anything known before booking are excluded.
Claims are handled by Chubb Insurance Singapore, the underwriter. Submit online at the Chubb Amex claims centre or call +65 6299 0922 for claims enquiries, and for a medical emergency contact the assistance agent before any treatment or evacuation is arranged. File as soon as practicable and in any event within 30 days of the incident, with the supporting documents: itemised medical bills, police or carrier reports, unused tickets, and the card statement showing the travel fare was charged. If Chubb denies a claim and you disagree, you can escalate free of charge to FIDReC, the Financial Industry Disputes Resolution Centre, which handles disputes between consumers and financial institutions in Singapore.
Cover runs for the duration of a covered trip, up to a maximum of 180 consecutive days per trip, or 240 days cumulatively within a 12-month Specified Period. After the 181st day of a single trip, you are no longer covered. There is a wider extension for a dependent child travelling for an extended stay, whose cover can run up to 365 consecutive days, provided their travel fare was charged to the card. For a longer stay than these limits, you would need a separate long-stay or expat policy.
For most travellers this card's cover is strong enough to lean on, but there are real gaps to weigh. Pre-existing conditions are excluded, the flight-delay, missed-connection and disruption payments are modest at a few hundred dollars per person, and every claim carries a S$150 minimum. If you travel with a managed medical condition, want higher delay and disruption limits, or plan a trip longer than 180 days, a standalone Singapore travel policy from around S$20 a trip fills those gaps. Think of the card as a strong base for overseas medical, evacuation, cancellation and baggage, topped up by a standalone policy where its limits or exclusions leave you short.
Purchase protection replaces or repairs items you buy on the card that are stolen or accidentally damaged within 90 days, up to S$25,000 per incident and S$80,000 per card year, with a 10% excess and a S$150 minimum claim. The same Chubb policy adds extended warranty, which gives up to 24 extra months over the Singapore manufacturer's warranty on appliances up to S$25,000, and a return guarantee that refunds up to S$2,000 an item if a retailer refuses a valid return within 90 days. These three shopping benefits apply to purchases made in Singapore, not overseas. There is no price protection and no standalone mobile phone insurance in this policy.