Does your insurance policy cover acts of terrorism?

Does your insurance policy cover acts of terrorism?

Frequent travellers should check their existing insurance policies to see if they cover acts of terrorism or war.

The Star had previously reported that the basic travel insurance policies most airlines offer to passengers do not provide cover for acts of war and terrorism.

However, many personal travel or life insurance policies are now providing terrorism coverage, given its rise as a global threat.

In general, an act of terrorism is considered to be any act by person or group committed for political, religious, ideological or similar purposes that puts the public at risk of injury or death. These acts might or might not include the use of nuclear, chemical or biological substances or weapons.

We checked with five insurance companies here on their terrorism coverage.

1. NTUC Income Insurance Co-operative Limited

NTUC Income's travel insurance policy has been covering acts of terrorism since the Al-Qaeda terrorist attacks on New York's World Trade Center on Sept 11. The coverage includes acts of terrorism involving the use of nuclear, chemical or biological substances or weapons.

However, losses resulting from war, riot, revolution or any similar events do not apply. People who travel to countries against MFA advisory warnings will also not be able to claim damages.

All life insurance policies, including the most basic ones, also provide full coverage on all acts of terrorism but not acts of war.

For more information, visit

2. Prudential Assurance Company

All of Prudential's life insurance plans provide coverage against acts of terrorism, including those by nuclear, biological and chemical means, as well as any act of war or invasion.

"Our life insurance policies provide a death benefit so in the event of death due to acts of terrorism or acts of war, policyholders covered with these plans will receive a payout," executive vice president and chief marketing officer David Ng.

The maximum amount to be claimed is dependent on the sum insured respective of the different policies.

For more information, go to

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