FAQ Haj EMA Takaful
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- Who is the operator of ST&T Haj EMA?
United Overseas Insurance (UOI), a subsidiary of the United Overseas Bank Group (UOB) was incorporated in 1971 and is now one of the major insurers in Singapore.

UOI has been operating a takaful window for the last 5 years providing a full range of general takaful products. UOI has been working closely with its Syariah Advisory Council in all matters pertaining to its takaful portfolio.

Together with ST&T International Pte Ltd, UOI has designed a comprehensive coverage to suit the travel needs of our participants during their Haj pilgrimage. It is a 3-in-1 package; Personal Accident, Emergency Medical Assistance and Travel Inconvenience protection – a structured programme for the well being of the Pilgrims.

- What is Takaful & how does it operate?
In Arabic, Al-Takaful means ‘Joint Guarantee’. This refers to the assurance that some form of financial help is available to address any misfortune, accident or disaster, events commonly known as risks.

Takaful operates on the basis of the pooling of resources and expertise of 2 groups of people – policyholders who require financial help to address their misfortune and insurers who manage such assistance. Essentially, Takaful is governed by the principles of equitability and transparency and is anchored by the spirit of mutual help, collective responsibility and cooperation. This is to create relationship that is mutually beneficial to all parties.

- When does the ST&T Haj Takaful EMA commence?
The Takaful commences when the Participant leaves his/her place of residence or business in Singapore (whichever is the later) to commence the Trip until the time of return to his/her place of residence or business in Singapore or expiry of the Policy (whichever is the earlier) on completion of the Trip. In any event the Trip should not commence more than five (5) hours prior to booked departure time or cease more than five (5) hours after booked return to Singapore. A Trip shall involve return to Singapore within the Period of Takaful stated-hereon.

- Is there any exclusion on pre-existing condition(s)?
Under this Haj Takaful EMA, there is no exclusion on pre-existing condition. The only exception that UOI applies would be treatment(s) undertaken for relief of chronic illness(es), for example renal dialysis, and chemotherapy or radiotherapy for cancer.

Please refer to your Travel Agent or staff of ST&T International to find out full details of our ST&T Haj EMA 3-in-1 Takaful Scheme.

- Is there an age limit imposed?
No, there is no age limit imposed as long as the participant is certified fit to travel at the time he/she signed up the Haj package.

Information on our Benefits
- What do I have to do when I become unwell?
At all times, you should remain calm and cooperative.

Our recommended procedures would be: -

(a) Inform the officer of your Travel Agent of the history of medical condition(s) (and medication) and seek for treatment.
(b) Always have your medical record book for all consultations and treatments at MUIS and other medical institution.
(c) If MUIS refers you to seek further monitoring or admission to a medical institution, to inform immediately to the medical officer of your Travel Agent who will then inform ST&T International staff in Mecca or Madinah.

ST&T International will arrange to send you to the nearest medical institution and indemnify all incurred medical expenses including incidental expenses such as medicine and necessary accommodation and travelling expenses of a Relative or Friend to remain behind. Our services also include co-ordinating with International SOS on medically repatriating of the Participant to the nearest medical institution or Singapore.

- What is this Hospital Allowance for?
It is a cash payment for you to compensate you for the ‘inconvenience suffered’ in the event that you have to be admitted to a medical institution during the Haj trip. ST&T International will provide the cash allowance to you upon discharge from the medical institution in Saudi Arabia.

You can use the money in any way you like for example overseas calls back to Singapore or for any essential items needed due to the hospitalisation.

- What should I do if I lose money while abroad?
You should report to the your Travel Agent or the Officer from ST&T International Pte Ltd within 24 hours after the incident at the place of loss.

- Can I claim for money lost while in the custody of another person?
No. Cover is provided only for money in your personal custody.

- I just discovered the loss of my wallet and some personal items, what should I do?
For notification of lost valuables (such as personal money, personal belongings like spectacles, clothing or jewellery), you are required to report to your Travel Agent or the officer of ST&T International Pte Ltd at the place of loss within 24 hours after the incident.

A Lost Incident Report will be issued by ST&T International Pte Ltd in which you must use it to substantiate the claim upon return to Singapore. When you return to Singapore, you are required to complete our Travel Claim Form and provide such receipts or warranty of purchase for our Claims Dept to assess the loss.

- How will a claim be assessed if no purchase receipts for items lost are available?
On receipt of every claim, UOI will first establish whether the claim is genuine after considering all available evidence of loss. All items lost should if at all possible be listed in the Lost Incident Report or any other lost reports. In the event that the Participant is unable to produce any proof of the age and original purchase price of an item lost, UOI will make an offer to the the Participant based on their own estimation of the reasonable value.

- If my belongings are left outside on a bench while I am in a queue are they covered if stolen?
No, as you did not take all reasonable care of the property and it was left unattended.

- How do I claim for Baggage Delay?
You are required to obtain a written confirmation (Property Irregularity Report) from the air carrier.

- Is Baggage Delay at Singapore airport covered?
No, You are covered only for baggage delays that occur overseas.

- If the flight I am supposed to depart from Singapore is delayed due to mechanical breakdown, do I get any compensation?
If you have received prior notification from your travel agent that the flight is to be re-timed to a later hour or day, you would not be compensated in our cover.

However if you have already checked-in at the Singapore immigration counter in Changi Airport and then informed on the re-timing of your departure, UOI will provide a cash benefit for first six (6) consecutive hours, thereafter each full eight (8) consecutive hours delay from the time specified in the itinerary supplied to you to the time of the actual flight.

- I have booked a trip and now cannot travel because my employer has cancelled my leave - am I covered for travel cancellation?
No. The ST&T Haj Takaful EMA cover would only cover events such as

a) unexpected death of the Immediate Family occurring within seven (7) days before the date of departure of the Trip, or
b) unexpected death of legally married spouse in which the female Participant is unable to travel due the Islamic practice of ‘Edah’, or
c) Serious Injury or Serious Illness of the Participant being certified unfit to travel by a Qualified Medical Practitioner occurring within twenty-four (24) hours before the date of departure of the Trip.

UOI will reimburse the Participant up to the maximum limit provided for the loss of irrecoverable travelling expenses he/she had paid to the Travel Agent for his/her Trip in the event that he/she is unable to travel as there is no alternative Haj flight or during the period of ‘Edah’ for female Participant.