Frequently Asked Questions (FAQs)

Help & Support

Frequently Asked Questions

Find answers about ST&T assistance, medical support, claims, cashless services, baggage issues, and travel coverage.

Saudi Assistance +966 597 316 004
Singapore Claims claims@stntinternational.com
Claims Portal claims.stntinternational.com
01

Assistance, Medical Support & Claims

Questions about contact numbers, GP treatment, medical emergency, claim submission, and reimbursement.

Please contact our Saudi local assistance number:

+966 597 316 004

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.com

You may retrieve your e-card directly from our website portal, or alternatively contact the Saudi local assistance number.

https://claims.stntinternational.com/
+966 597 316 004

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:

997 Ambulance

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.

02

Baggage, Travel Delay & Policy Questions

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.

  • Inform your travel agency to fill up a Property Irregularity Report form.
  • Take photos of the damaged baggage.
  • Keep the original purchase receipt if available.
  • Submit the documents through the claims portal.
  • Before exiting the gate, inform your travel agency to get the Airline Property Irregularity Report form.
  • Take photos of the damaged baggage.
  • Keep the original purchase receipt if available.
  • Submit the documents through the claims portal.
  • Make a police report.
  • Inform your travel agency to fill up a Property Irregularity Report form.
  • Call your telco to suspend your service.
  • Keep the original purchase receipt if available.
  • Submit the documents through the claims portal.

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.

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