If an accident on a scheduled flight, ferry, train, bus or licensed taxi kills or permanently disables you during an overseas trip, the personal accident benefit (a lump sum for accidental death or permanent disablement) pays up to S$1,000,000. The sum is S$500,000 for cardholders aged 70 and above. It covers you and your legal spouse, and it applies only while you travel as a fare-paying passenger on a common carrier, meaning a public transport service anyone can pay to board. This is the headline figure, not a general medical limit.
What does the SC Visa Infinite travel insurance actually cover?
Standard Chartered·SGD 600/year·Visa Infinite·Allianz
1,5/5Independent review · verified September 2026
1,7
0,0
Our Verdict · Travel Insurance
Our take on travel insurance for the Standard Chartered Visa Infinite
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
The Standard Chartered Visa Infinite is one of the few cards whose complimentary travel insurance, underwritten by Allianz, includes real overseas medical treatment up to S$50,000 and emergency evacuation up to S$100,000, on top of a S$1,000,000 personal accident sum and S$5,000 of baggage cover. That genuine medical cover is rare in this range, where most cards pay only for evacuation transport and not the hospital bill itself. The gap is what is missing: there is no trip cancellation and no travel or flight delay cover, so a cancelled or delayed trip is entirely on you. The S$50,000 medical limit is also modest for a serious admission in the US or Europe, which can run past S$100,000. Cover only switches on when you charge the full travel fare to the card, and each medical claim carries a S$150 excess. It stays one of the stronger complimentary cards on the market, but it works best paired with a standalone policy that adds cancellation cover and a higher medical limit.
What works on travel
- Real overseas medical treatment up to S$50,000, not just evacuation transport, which is rare for a complimentary card
- Emergency medical evacuation and repatriation up to S$100,000, arranged by the Allianz Travel 24-hour assistance line
- S$1,000,000 personal accident sum for accidental death or permanent disablement on a common carrier
- Baggage cover up to S$5,000, plus S$200 per six hours for baggage delayed over six hours
Where travel breaks down
- No trip cancellation cover, so prepaid flights, hotels and tours are not refunded if you have to cancel
- No travel or flight delay cover, so meals and accommodation during a long delay are on you
- The S$50,000 medical limit is modest for a serious hospital admission in the US or Europe
- Each medical claim carries a S$150 excess, and the S$600 annual fee is non-waivable
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 Standard Chartered Visa Infinite Travel Insurance actually cover?
The S$1,000,000 headline is the accidental death and permanent disablement sum for an accident on a common carrier, not the overseas medical limit. The medical limit is S$50,000.
What's covered
- Accidental death or permanent disablement on a common carrier overseas
- Cardholder and legal spouse
- Licensed taxi counts as a common carrier
What's not covered
- Accidents not on a common carrier
- War, terrorism and self-inflicted injury
- While under the influence of alcohol or drugs
Emergency dental sits inside this S$50,000 medical limit (capped at S$500 for accident-related dental), not as a separate benefit. The limit is modest for a serious admission in the US or Europe, which can run past S$100,000.
Fall ill or get injured overseas and end up in hospital, and this benefit reimburses the necessary medical, surgical, nursing and hospital charges up to S$50,000 (S$25,000 for cardholders aged 70 and above). Unlike most cards in this range, this is genuine treatment cover, not just evacuation transport. It includes emergency dental up to S$500 to restore sound natural teeth after an accident. MediShield Life does not cover you outside Singapore, so this is your real backstop for an overseas bill. Each claim carries a S$150 excess, the part you pay yourself.
Recommended : SGD 1,000,000
What's covered
- Overseas medical, surgical, nursing and hospital charges
- Emergency dental up to S$500 to restore sound natural teeth after an accident
- Continued treatment in Singapore within 30 days of return
What's not covered
- Pre-existing conditions
- Pregnancy, childbirth and related claims
- Elective or non-emergency treatment
The S$100,000 limit is shared across evacuation, repatriation and the compassionate visit for any one trip.
If a serious injury or illness overseas means you must be moved to the nearest suitable hospital or flown home, emergency medical evacuation and repatriation is arranged by the Allianz Travel 24-hour assistance line and paid up to S$100,000 for the trip. 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. If you are hospitalised abroad for more than seven days with no adult family member present, a compassionate visit benefit of up to S$5,000 brings one family member to you.
What's covered
- Emergency medical evacuation to the nearest suitable hospital
- Repatriation to Singapore
- Compassionate visit up to S$5,000
What's not covered
- Transport not arranged or approved by Allianz Travel
- Pre-existing conditions
- Services in areas where they are impracticable
No overseas emergency dental cover. This benefit is not included with this card. Emergency dental treatment overseas is out of pocket.
What's not covered
- Overseas emergency dental is not a benefit of this card
No hospital cash allowance. This benefit is not included with this card. There is no daily cash payment while you are hospitalised overseas.
What's not covered
- Overseas hospital daily cash is not a benefit of this card
No trip cancellation. This benefit is not included with this card. Prepaid flights, hotels, and tours are not reimbursable if you cancel. A standalone travel insurance policy is required for this coverage.
What's not covered
- Trip cancellation is not a benefit of this card
No trip curtailment cover. This benefit is not included with this card. The cost to fly home early after a family emergency and resume a trip is out of pocket.
What's not covered
- Trip curtailment is not a benefit of this card
No travel disruption cover. This benefit is not included with this card. Extra accommodation and transport from a trip disruption are the cardholder's responsibility.
What's not covered
- Travel disruption is not a benefit of this card
No travel delay cover. This benefit is not included with this card. Meals, accommodation, and transport during a delay are the cardholder's responsibility.
What's not covered
- Travel delay is not a benefit of this card
No missed connection cover. This benefit is not included with this card. The cost of alternative transport after a missed connection is out of pocket.
What's not covered
- Missed connection is not a benefit of this card
The S$1,000 per-article cap limits payouts on a single high-value item like a laptop or camera.
If your personal baggage and belongings are lost, stolen, damaged or destroyed anywhere in the world during the trip, the card reimburses the cost of replacement or repair up to S$5,000. A single article, pair or set is capped at S$1,000, so a laptop or camera worth more than that is only part-covered. Keep receipts and report any theft to the police.
What's covered
- Loss, theft or damage to personal baggage worldwide during the trip
- Up to S$5,000 per person
What's not covered
- Business goods and samples
- Valuables left unattended
- Wear and tear
If your checked-in baggage is delayed or misdirected by the carrier and not returned within six hours of arriving overseas, the card pays S$200 for every full six hours of delay, up to S$1,000. It covers the essentials you buy while you wait for your bag. A delay in Singapore on the way home pays a maximum of S$200.
What's covered
- Checked-in baggage delayed over six hours overseas
- S$200 per full six hours, up to S$1,000
What's not covered
- Delay reaching Singapore paid only up to S$200
- Baggage held by customs or authorities
- Items that are not essential
No travel documents cover. This benefit is not included with this card. The cost to replace a lost passport or reclaim fraudulent card use overseas is out of pocket.
What's not covered
- Loss of travel documents is not a benefit of this card
No personal liability cover. This benefit is not included with this card. Legal liability for injury to others or property damage overseas is uninsured, and claims commonly reach hundreds of thousands of dollars.
What's not covered
- Personal liability overseas is not a benefit of this card
Policy document
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the Standard Chartered Visa Infinite wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Accidental death: well above the market average
Medical fees abroad: not covered by this card
Overseas emergency dental: not covered by this card
Hospital cash allowance: not covered by this card
Compare
Visa InfiniteThis card1.5/5?
SGD 600/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
SGD 215 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the Standard Chartered Visa Infinite stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Visa Infinite shoppers also consider.
| Card | This card Visa Infinite Standard Chartered · SGD 600/yr 1.5/5? | Prestige Citibank · SGD 652/yr 2.9/5? | ULTIMA Citibank · SGD 4,199/yr 2.9/5? | |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | S$10,125 per person Up to S$10,125 | S$10,125 per person Up to S$10,125 | |
Emergency medical Hospital bills abroad | S$50,000 Overseas medical | S$675,000 S$675,000 overseas medical | S$675,000 S$675,000 overseas medical | |
Emergency evacuation Air ambulance + repatriation | S$100,000 Evacuation & repatriation | S$675,000 S$675,000 evacuation | S$675,000 S$675,000 evacuation | |
Trip delay trigger Hours before benefits kick in | Not covered Cover this gap → | 4h / S$675 Trigger: 4 hours | 4h / S$675 Trigger: 4 hours | |
Trip interruption Covered amount | Not covered Cover this gap → | Not covered | Not covered |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the Standard Chartered Visa Infinite
Cardholder experience with the card 2 reviews
J(
J (Seedly)
Good earn rate, little reason to renew
Quick application, good mileage earn rate for general spend and foreign spend. No real benefits so worthless to keep after the first year sign up bonus.
AW
Aaron Wong (The MileLion)
Buy extra cover for the gaps
Do note there is no coverage for trip cancellation and disruption, delayed flights, rental car excess, or personal liability. I personally would not feel comfortable without this, so I'd recommend you purchase additional coverage.
Emergency · Card assistance line
How to contact Standard Chartered Visa Infinite assistance?
Allianz Travel 24-hour assistance and who to call
Allianz Travel Singapore enquiries
1 800 222 1818
Mon to Fri, 09:00-17:30 (SGT)
Allianz Travel 24-hour Emergency Assistance
+65 6995 1111
Call collect where possible · 24/7
Benefit administrator: Allianz Global Assistance (for Standard Chartered)
Claims & pre-authorizations
How to make a Standard Chartered Visa Infinite claim
1
Step 1: Notify Allianz as soon as possible
Start your claim with Allianz within the notice period in the certificate, commonly 30 days of the incident. Only expenses charged to the Visa Infinite can be reimbursed where the benefit requires the fare to be charged to the card.
2
Step 2: Gather the proof Allianz 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.
3
Step 3: Escalate to FIDReC if a fair claim is denied
If Allianz 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.
FAQ
What people ask about the Standard Chartered Visa Infinite
- Yes. Unlike most cards in this range, the Standard Chartered Visa Infinite pays real overseas medical treatment, not just evacuation. Its Allianz cover reimburses the necessary medical, surgical, nursing and hospital charges for an injury or illness suffered on the trip up to S$50,000 (S$25,000 for cardholders aged 70 and above), and it includes emergency dental up to S$500 to restore sound natural teeth after an accident. MediShield Life does not cover you outside Singapore, so this benefit is your real backstop for an overseas hospital bill. Each claim carries a S$150 excess, the part you pay yourself, and pre-existing conditions are excluded.
- Yes. If a serious injury or illness overseas means you must be moved to the nearest suitable hospital or flown back to Singapore, emergency medical evacuation and repatriation is arranged by the Allianz Travel 24-hour assistance line and paid up to S$100,000 for the trip. 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. The S$100,000 limit is shared with a compassionate visit benefit of up to S$5,000, which brings one family member to you if you are hospitalised abroad for more than seven days with no adult family member present. Call Allianz Travel on +65 6995 1111 before arranging any transport, because it must be approved to be covered.
- No. The complimentary Allianz cover on the Standard Chartered Visa Infinite has no trip cancellation benefit. If you have to call off a trip for illness, a family emergency or any other reason, your prepaid flights, hotels and tours are not reimbursed by the card. There is also no trip curtailment cover for cutting a trip short. This is the single biggest gap in the card's cover, and it is the main reason to pair the card with a standalone travel insurance policy, which typically covers cancellation from a range of named reasons.
- The Allianz policy wording does not name COVID-19 either as covered or as an exclusion. Its medical benefit covers Sickness, defined as a sudden deterioration of health that begins during the trip outside Singapore, and there is no pandemic or epidemic exclusion in the listed exclusions. On that basis an overseas COVID-19 illness would generally fall under the S$50,000 medical benefit like any other illness, and evacuation would fall under the S$100,000 benefit. Because the wording is not explicit, confirm your specific situation with Allianz on +65 6222 3350 before you rely on it. There is no trip cancellation benefit at all, so a trip cancelled because of COVID-19 is not reimbursed.
- The cover switches on when you charge the full travel fare for the trip to your Standard Chartered Visa Infinite before you travel. There is no separate registration form and no dollar spend threshold: it is the full public-conveyance fare that must go on the card. If the trip is a package tour, charging the full package cost to the card also qualifies. 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. Keep the card statement showing the fare was charged, because you will need it to claim.
- The Standard Chartered Visa Infinite provides personal accident cover of up to S$1,000,000, a lump sum paid for accidental death or permanent disablement, reduced to S$500,000 for cardholders aged 70 and above. This is the headline figure most cards lead with, and it is an accident sum, not a general medical limit. It applies only to an accident while you travel as a fare-paying passenger on a common carrier, meaning a public transport service anyone can pay to board, such as a scheduled flight, ferry, train, bus or licensed taxi. The cover extends to you and your legal spouse. For an ordinary illness or a non-common-carrier accident, the benefit you claim on is the S$50,000 overseas medical limit, not this sum.
- Claims are handled by Allianz Insurance Singapore, the underwriter, on +65 6222 3350, with the 24-hour emergency and evacuation line on +65 6995 1111. Give written notice as soon as possible and in any case within 30 days of the incident, and keep the documents that prove it: itemised bills, any police or carrier report, your boarding pass, and the card statement showing the travel fare was charged. Call the assistance line before arranging any evacuation, because transport must be approved to be covered. If Allianz denies a claim and you disagree, you can escalate free of charge to FIDReC, the Financial Industry Disputes Resolution Centre, within six months of the insurer's final reply.
- The cover applies to a single trip of up to 90 consecutive days. A journey is defined as the entire return trip from the time you leave home or work in Singapore to start the trip abroad, ending up to three hours after you arrive back in Singapore or return directly home or to work, whichever is sooner. If a single trip runs longer than 90 days, the days beyond that are not covered. For long stays abroad, an annual multi-trip or long-stay standalone policy is the safer choice.
- Yes, both. If your personal baggage is lost, stolen or damaged anywhere in the world during the trip, the card reimburses replacement or repair up to S$5,000, with a S$1,000 cap per article, pair or set, so a single high-value item like a laptop is only part-covered. Separately, if your checked-in baggage is delayed by the carrier for more than six hours after you arrive overseas, the card pays S$200 for every full six hours of delay, up to S$1,000, toward the essentials you buy while you wait. Keep receipts, and report any theft to the police and any delay to the carrier in writing.
- For most trips, yes, as a top-up. The Standard Chartered Visa Infinite is one of the stronger complimentary cards because it pays real overseas medical up to S$50,000 and evacuation up to S$100,000, which many rival cards do not. The gaps are still significant: there is no trip cancellation and no travel or flight delay cover, and the S$50,000 medical limit is modest for a serious admission in the US or Europe, which can run past S$100,000. A standalone Singapore travel policy fills those gaps from around S$20 for a single trip, adding cancellation cover and a higher medical limit. Treat the card cover as a genuine head start, not a full replacement.
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