Trusted Hajj & Umrah Insurance

PROTECTING YOUR
SACRED JOURNEY.

At ST&T International, we put pilgrims first for every step of the journey and beyond.

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ST&T International is registered with the General Insurance Association of Singapore, fully Shariah-certified and licensed by the Singapore Tourism Board.

28+

Years of Experience
Serving Pilgrims

10

Partner Hospitals
Carefully Vetted for Pilgrim Care
Hajj and Umrah insurance support for pilgrims
Cashless Seamless Service
Coverage for Pre-Existing Illness
24/7 On-the-Ground Support

Trusted Insurance Support
For Your Pilgrimage

Certified

FSAC

SHARIAH COMPLIANCE
CERTIFIED

Licensed

STB

SINGAPORE TOURISM
BOARD LICENSED

Cashless services at designated hospitals Partner hospitals and medical centres in Saudi Arabia Support for pre-existing illnesses and travel inconvenience
Trusted Network

Partners & Underwriters

Pilgrim Air logo
First Medic Training and Ambulance Services logo
MediCare logo
EMA Global logo
Across Asia Assist logo
RSW Services logo
UOI logo
Insurans Islam Taib logo
Etiqa logo

WE ARE THE OFFICIAL EMERGENCY MEDICAL ASSISTANCE PROVIDER FOR ALL SINGAPORE’S HAJJ PILGRIMS IN 2026 (1447H)

ST&T International has been appointed to provide Emergency Medical Assistance for all Singapore pilgrims heading for Hajj in 1447H/2026 by the Association of Muslim Travel Agents Singapore (AMTAS).

Our support network covers key locations in Makkah, Madinah Al-Munawarah, and Jeddah, with assistance available through designated medical centres and partner hospitals.

Insurance consultation for Hajj and Umrah travel protection

Travel Health Cover

Insurance support designed for Hajj and Umrah pilgrims.

Hospital Network

Access to designated medical centres in key Saudi cities.

Assistance & Support

Help with medical assistance, claims, and travel emergencies.

Umrah Emergency Medical Assistance Protection

Our Insurance Packages

Choose the right Emergency Medical Assistance Protection plan for your Umrah journey with Saudi Arabia coverage, travel assistance, and protection options for peace of mind.

Essential Cover

Umrah Basic

SGD $134
Up to 16 days
  • $119 below 18 years old
  • $134 for 18 & above
  • $15 for each additional day
  • Saudi Arabia coverage
  • New price effective 10 June 2026
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Widest Cover

Umrah Silver

SGD $199
Up to 16 days
  • $168 below 18 years old
  • $199 for 18 & above
  • $21 for each additional day
  • Saudi Arabia coverage
  • Travel inconvenience cover
  • Worldwide coverage
  • New price effective 10 June 2026
View Full Policy
Need help choosing a plan?

Speak With ST&T Before You Travel

Contact our team for guidance on Umrah Emergency Medical Assistance Protection coverage, brochure details, eligibility, and the right plan for your journey.

Why Choose Us

We Put Pilgrims First, Every Step of the Way.

Established in 1998, we provide real, seamless on-ground support and trusted medical & travel protection you can rely on throughout your Hajj/Umrah journey. Additionally, we also offer Takaful worldwide travel insurance and other services under ST&T Sakinah.

Cashless, Seamless Care

From clinic visits to hospital admissions, everything is seamlessly cashless.

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Extensive Medical Panel with Dialysis Care

Our medical network is extensively vetted to ensure quality care for pilgrims of all ages and medical conditions.

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Coverage for Pre-Existing Medical Conditions

We cover pre-existing medical conditions so pilgrims can perform their ibadah with peace of mind.

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24/7 On-Ground Customer Support

Our friendly staff will be there to assist you in person so you are never alone in Saudi Arabia.

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Travel Inconvenience

Flight delay or lost baggage? We have this covered for you.

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Takaful Worldwide Travel Insurance

Outside of Hajj/Umrah, stay covered with our Takaful Worldwide Travel Insurance.

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ST&T Sakinah

We offer a range of services from Qurban, Badal Umrah, Aqiqah, and Food Relief, carried out with transparency and a sense of sakinah.

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Our Steps

How It Works

Choose the right travel protection from our two policy options: Umrah Travel Insurance or Worldwide Takaful Travel Insurance.

Step 01

Choose Your Policy

Select either Umrah Travel Insurance for your pilgrimage journey or Worldwide Takaful Travel Insurance for wider travel protection.

Step 02

Complete Your Purchase

Buy your selected policy online and prepare your coverage details before departure, so your travel protection is ready when you need it.

Step 03

Travel With Support

Travel with peace of mind knowing that ST&T support, claim assistance, and medical guidance are available throughout your journey.

Claim Assistance

Need To Make A Claim?

Submit your claim through our online claim portal or contact our support team through WhatsApp for assistance with the required process.

Client Reviews

What Our Clients Say

Real feedback from pilgrims and families who received care, medical assistance, and travel support during their Hajj journey.

“My father was hospitalised in Makkah and I appreciate the communications and attendance by ST&T personnel, especially Mr Zaim and Ms Nawar. Their openness made me feel at ease knowing that my father was well taken care of.”

Shariel

My father was hospitalised, he still is, as of 3 Jul 2024, in a hospital in Makkah and I appreciate the communications and the attendance by ST&T personnel, especially Mr Zaim and Ms Nawar.

I visited my father in the Makkah hospital and Mr Zaim was kind enough to let us tag along to the hospital and his openness in communicating with me is much appreciated. It makes me feel at ease knowing that my father is well taken care of and arrangements are being made to ensure his safe return to SG.

I’m sure other jemaahs who unfortunately were similarly hospitalised are being taken care of by ST&T. I feel the manner ST&T communicated on their health updates makes the family members of these jemaahs feel better, knowing that ST&T are well equipped to attend to these mishaps. Thanks again ST&T and I look forward to the safe return of my father back to SG.

“Thank you to ST&T for arranging my dialysis during Hajj. Even though the roadblocks caused problems going back and forth, they really looked after me well and made my Hajj journey possible.”

Azizah

Thank you to ST&T for arranging my dialysis during hajj. Even though the roadblocks caused a lot of problems going back and forth the centre and hotel, otherwise, they really looked after me well.

From the nurse from travel agency, the ST&T staff who accompanied us to and fro the centre, and the service rendered at the dialysis centre itself.

Thank you again for making my hajj journey and doing dialysis possible.

“Nawar was very helpful in all sort of services rendered to me, and not to forget the staff at Makkah as well.”

Abdul Razak

Nawar was very helpful in all sort of services rendered to me and not to forget staff at Makkah as well.

“Thank you to the team for looking after my father while we do our Hajj. Nawar helped us from Arafah, to when my father was admitted and later discharged.”

Zainuddin

Thank you to the team for looking after my father while we do our hajj. Thank you to Nawar for helping us from Arafah, to when my father was admitted and later discharged.

Although there are some hiccups along the way, I am still thankful to the team for the care.

“We would like to compliment Nawar and Hashim for continuously assisting us in Mecca and Madinah during my husband’s hospitalization. I cannot express how grateful I am for all assistance.”

Hasnah

We would like compliment Nawar and Hashim for continously assisting us in Mecca and Madinah during my husband hospitalization.

Both of you have gone above and beyond and we are truly grateful for everything done for us, like arranging dialysis, chasing the doctors for updates. I cannot express how grateful i am for all assistance.

My husband is in good health and thank you from the bottom of my heart.

“Saya sangat bersyukur, walaupun dalam keadaan begini, masih diberi peluang oleh Allah SWT dan dibantu oleh team yang cekap dari ST&T sampai selesai ibadah Haji.”

Syed

Saya sangat bersuykur, walaupun dalam keadaan begini, masih di beri peluang oleh yang Maha Esa, Allah SWT dan dibantu oleh team yang cekap dari ST&T sampai selesai ibadah Haji.

Terima Kasih kepada Nawar and the team, kerana prihatin dalam urusan menjaga persakit seperti saya.

Tahniah, buat semua yang terlibat secara langsung atau tidak.

“Thank you so much to Nawar for her services rendered to my husband, as well as to Mr Adel in Makkah. Everything went smoothly while we were in Saudi Arabia.”

Zuraidah

Thank you soo much to Nawar for her services rendered to my husband as well as to Mr Adel in Makkah. Really appreciate it.

Everything went smoothly while we were in Saudi Arabia.

“I’m very impressed with the quality care provided by Ms Nawar and Mr Hashem. They ensured my wife got back safe and stayed with me during the hospital visit.”

Abdul

I’m very impressed with the quality care provided by Ms Nawar and Mr Hashem.

They were good enough to ensure my wife got back safe and stayed with me for the duration of the hospital visit. They also checked on me regularly and ensured that I was better after my discharge.

“Saya ucapkan beribuan terima kasih kepada pegawai-pegawai yang bertungkus lumus hari-hari untuk kesenangan saya. Beribuan terima kasih atas segala pertolongan.”

Mohammed

Assalamualaikum Wbt. Dengan rasa Syukur Alhamdulillah Alamin.

Saya ucapkan beribuan terima kasih kepada pengawai pengawai yang tertungkus lumus hari hari untuk kesenangan saya. Untuk saya keluar dari hospital ini dengan begitu gembira sekali walaupun ada sedikit masalah tapi akhirnya Allah Taala sudah beri dengan sebaik baik pertolongan.

Itu sahaja lah yang dapat saya katakana, beribuan terima kasih atas segala pertolongan, yang tak dapat saya nak balas. Terima kasih banyak. Assalamualaikum Wbr Wbt.

“Zaim was the medic who accompanied my dad back to SG. I was very impressed by the well-thought-out plan, and Zaim took care of my dad very well throughout the journey.”

Nurain

Hi Assalamualaikum ST&T. I would like to say a big thank you to your team for assisting with my dad’s medical evacuation from Mekah on 5th July 2024.

Zaim was the medic who accompanied my dad back to SG. He regularly visits my dad at Saudi German Hospital when my dad was warded there.

A day before the evacuation, the travel agent representative had a meeting with Zaim. Thereafter, she messaged me a very detailed itinerary on the medical evacuation. I was very impressed by the well-thought-out plan.

Zaim took care of my dad very well throughout the journey back in Sg. My dad was very pleased with his services. He was telling me that Zaim is a nice person. The travel agent also assured me that Zaim is trained medic and that I do not need to worry.

Alhamdulillah, all was smooth throughout the flight and my dad is recovering at home now.

Medical Network

Partner Hospitals & Medical Centres

Access designated hospitals and medical centres across key pilgrimage locations in Makkah, Madinah, and Jeddah.

Albayt Medical Center
Makkah

Albayt Medical Center

P11 Abraj Albayt Clock Tower
Next to Movenpick Hotel

Tel: +966 12 571 8400
Operation Hours: 24 Hours
View Location
Saudi National Hospital Makkah
Makkah

Saudi National Hospital Makkah

Azizeyyah
Makkah Al-Mukarramah 24243, Saudi Arabia

Tel: +966 54 095 0288
View Location
Saudi German Hospital Makkah
Makkah

Saudi German Hospital Makkah

Ibrahim Al Khalil Rd
Saudi German Hospital District, 24352, Makkah 6190

Tel: +966 92 000 7997
View Location
Care Medical Alharam
Makkah

Care Medical Alharam

Ibrahim Al Khalil Rd
Ash Shubaikah, Makkah 24231

Operation Hours: 24 Hours
View Location
Makkah Medical Center MMC
Makkah

Makkah Medical Center MMC

6677, Al Madinah Al Munawarah Rd, 2296
At Taniem, Makkah 24412, Saudi Arabia

Tel: +966 12 522 2222
Operation Hours: 24 Hours
View Location
Al Hayat National Hospital
Madinah

Al Hayat National Hospital

Al Hijrah Rd, Al Jumuah
Opposite Quba’ Mosque, 42316, Madinah, Saudi Arabia

Tel: +966 92 000 0094
View Location
Saudi German Hospital Madinah Almonawarah
Madinah

Saudi German Hospital Madinah Almonawarah

Al-Jameaat Road Abyar Ali Al Madinah Al Munawarah
Landmark: Opposite to Saudi Telecom Co. P.O.Box 15435

Tel: +966 92 000 7997
View Location
Abeer Medical Center
Madinah

Abeer Medical Center

7634 Uthman Ibn Affan Road, Al Rayah Dist. Al Madinah
Al Munawwarah 42312 - 4171, Saudi Arabia

Operation Hours: 24 Hours
View Location
Al Salama Hospital Jeddah
Jeddah

Al Salama Hospital

King Abdul Aziz Rd, Al Malek
Jeddah, Saudi Arabia

Tel: +966 92 005 1919
Operation Hours: 24 Hours
View Location
Trusted Network

Our Corporate Partners

We work with trusted assistance, medical, and travel-support partners to provide reliable service for pilgrims throughout their journey.

Pilgrim Air logo
First Medic Training and Ambulance Services logo
MediCare logo
EMA Global logo
Insurance Support

We Represent Our Underwriters

UOI logo
Insurans Islam Taib logo
Etiqa logo
Credentials & Compliance

Our Certificates & Licences

Recognised documents that support ST&T International’s trusted Hajj and Umrah insurance and travel assistance services.

Agent Certificate
Official Document

Agent Certificate

Recognised agent documentation supporting professional insurance service operations.

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FSAC Shariah Certificate
Shariah Compliance

FSAC Shariah Certificate

Certification reflecting Shariah compliance recognition for Hajj and Umrah insurance services.

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Travel Agent E-Licence
Licensed Operation

Travel Agent E-Licence

Licence documentation supporting trusted pilgrimage-related travel and assistance services.

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ST&T International App

Download the ST&T App

A simpler and more convenient way for pilgrims to stay protected, access policy information, manage claims, and enjoy special offers throughout their Umrah journey.

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