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Insurance Information


Loola is not an insurance agent, but what we have done is make it very easy for schools to obtain a MOE-compliant travel insurance.

Singapore government (MOE) schools, note: early 2016, MOE announced some changes as regards to school travel insurance cover. While each school is still free to choose any MOE compliant travel insurance it wishes for its trips, it appears the default insurance is now NTUC. LooLa has had a long and fruitful business association with AIG, so we know what our guests can expect from AIG, and our insurance SOPs are mature as a result of our long-time cooperation.
Working with NTUC will be new for us, but we are ready to do so.

As a responsible travel agent, however, we list below some of the differences between the two insurances, so as to help schools make up their mind.

For those who wish to see all the details for themselves ...

For details on the AIG insurance, please click here

(For MOE schools only) For details on the NTUC insurance, MOE schools can access the government portal https://intranet.vital.gov.sg/travel/TravelInsurance.aspx

To the best of our understanding - but please note that some of the details below are still being checked - the table below lists some of the key differences between the two insurances.


AIG travel insurance NTUC travel insurance
LooLa is nominally the policy holder of your travel insurance, and LooLa can offer limited assistance to our school guests, as per our teacher brief The school will be the policy holder, which means the school must really full deal with NTUC directly in all aspects of any insurance interaction, including those arising in an emergency
The hotline you call is AIG's hotline, and LooLa is familiar with its protocols. AIG's hotline typically provides the call assistance of doctors who speak the local language, in case you need to interact with local medical authorities The hotline you call is apparently the hotline number from iSOS, not your NTUC insurance, but, as we understand it, iSOS and NTUC will coordinate. We are awaiting information from NTUC as to whether the insured can expect the call assistance of doctors who speak the local language, in case you need to interact with local medical authorities
AIG's coverage is not dependent on government advisories, meaning that the AIG insurance typically covers you even if there is a government advisory against travel (subject to policy terms) NTUC's coverage, according to their policy text, ceases in the face of a "government advisory against travel". This clause is very vague, and could potentially leave the school stranded with no cover after issuing the PO
All activities that LooLa offers are covered under AIG's insurance Certain activities are excluded from cover. Under the "extreme activities" exclusion, for instance, are listed common and non-extreme activities such as abseiling, which means schools can, at the moment, not be certain as to whether other standard LooLa activities such as a zipline or a skywalk are included or excluded
Pre-existing medical conditions are excluded from cover in the standard policy but schools can opt for a group insurance that removes this exclusion. Currently this option is priced at roughly $ 6 pp per day, but we are still negotiating on the exact price package Pre-existing medical conditions are excluded from cover in the standard policy but schools can opt for an individual opt-outs where individuals are covered for pre-existing medical conditions. This is typically priced at something like $ 14 pp per day. The school would have to arrange such individual insurance coverage directly with NTUC
Emergency assistance is available to every insured on the same basis, regardless of pre-existing medical conditions. Only after return to Singapore the insurance may look into the issue of pre-existing medical conditions and whether it feels it may be entitled to recover funds from the insured We are awaiting confirmation from NTUC on whether the same applies, or whether NTUC will ask the insured for information about pre-existing conditions before evacuating in case of emergency
Baggage loss is covered for the duration of the journey Baggage loss is only covered overseas
AIG does not yet have a hospital deposit guarantee (meaning that they can arrange with local hospitals to front the bill if teachers do not have sufficient cash on them). So far, LooLa has always been able to front this money, but we are working on arranging such a deposit guarantee with AIG NTUC has a hospital deposit guarantee (meaning that they can arrange with local hospitals to front the bill if teachers do not have sufficient cash on them)
AIG's standard medical cover upon return to Singapore after a travel incident is only 5K (it's 100K while overseas), but then the standard premium is a few dollars cheaper than NTUC insurance NTUC's standard medical cover upon return to Singapore after a travel incident is 15K