- (+65) 9136 2973
- 390 Victoria St, #03-33, Singapore 188061
- Monday to Friday: 9.30 am to 6.00 pm
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.
Contact our team for guidance on Umrah Emergency Medical Assistance Protection coverage, brochure details, eligibility, and the right plan for your journey.
Review the main coverage highlights, eligibility rules, commencement details, and major exclusions before choosing your Emergency Medical Assistance Protection package.
Age means the age of the insured person on his/her next birthday on the start date of the period of insurance stated in the Certificate of Insurance and/or Policy.
An adult means a person who is 18 years old and above at the commencement of the trip. A male serving National Service or waiting for enlistment is construed as an adult.
Note: This is a summary only. Please refer to the official policy wording for complete terms, limits, conditions, and exclusions.
Find answers about ST&T assistance, medical support, claims, cashless services, baggage issues, and travel coverage.
Questions about contact numbers, GP treatment, medical emergency, claim submission, and reimbursement.
Please contact our Saudi local assistance number:
You can claim within 72 hours after arrival in Singapore, provided the onset of illness started while in Saudi Arabia.
You can submit your claim through our online portal:
https://claims.stntinternational.com/Claims processing time may vary depending on the complexity of the claim. It normally takes 2 to 4 weeks upon receipt of the signed discharge voucher from you.
Yes, provided the person is your next of kin or spouse. The signature must still be the claimant’s signature.
Please email us at:
claims@stntinternational.comYou may retrieve your e-card directly from our website portal, or alternatively contact the Saudi local assistance number.
https://claims.stntinternational.com/Please produce your EMA card at our partner hospitals. You will receive consultation with medication without any upfront payment.
Claims must be filed within 31 days of the expiry of the Period of Insurance stated in the Certificate of Insurance.
If your claim is denied due to insufficient documentation, you will need to provide the full documentation before the appeal.
For medical emergency in Makkah and Madinah, contact ambulance services:
Cashless seamless service applies only for medical consultation at our listed hospital partners. We strongly advise you to seek medical attention at our hospital partners to ease your claim submission.
Questions about additional policies, multiple insurers, damaged baggage, lost phone, and delayed flights.
Yes, you may do so. Please remember to select the correct region coverage, as this is a common mistake made by pilgrims.
Yes, you can. If you have more than 2 insurance policies covering the same medical condition, both insurers will coordinate to share the bills, subject to any regulatory requirements if CPF-related medical insurance is involved.
Travel delay claim is computed based on the delay of the departure time of the scheduled flight, not the arrival time. You may claim if the delay meets the criteria and exceeds 6 hours.
