ST&T International

Towards A Happy & Carefree Pilgrim With EMA 1444H

About Us

Established in 1998, ST&T International Pte Ltd is registered with the General Insurance Association of Singapore. We are the first and sole provider of travel insurance and specialise in offering Travel Health services to Hajj and Umrah pilgrims in ASEAN countries.

ST&T’s Hospital network is present in the Holy City of Makkah and Madinah Al- Munawarah, where we also have customer service officers made available at all our designated medical centres and hospitals.

ST&T is part of the Shahidah Group of companies under the leadership of Mr Ayoob Angullia. The Company has offices in Singapore and Kuala Lumpur. We serve both the Singapore and Brunei markets and have been working very closely with Insurance Islam TAIB from Brunei.

Shariah Compliance certified by the FSAC

In 2020, ST&T International has been certified shariah compliance by the FSAC (Financial Shariah Advisory & Consultancy). ST&T health care and insurance services, including our administrations, operations, and financial activities have been deemed fully shariah-compliant.

This review process was conducted by five FSAC committee members: Ustaz Mohamad Hasbi Hassan, Ustaz Pasuni bin Maulan, Associate Prof Dr Hikmatullah Babu Sahib, Dr Shamsiah binte Abdul Karim and Mr Azman bin Ismail.

Why Us


Covers Pre-existing Ilnesses

Covers Pre-existing Ilnesses such as asthma and diabetes. This provides pilgrims with peace of mind.


24 Hours Service

24 hours service at our hospitals and medical centres


Professional & Friendly Staff

Friendly ground staffs in Makkah and Madinah, ready to serve you.


Cashless Seamless Services

Cashless services at our designated hospitals in Makkah and Madinah. Pilgrims under ST&T do not have to pay fees upfront when consulting a doctor or healthcare professionals at partner hospitals or medical centres in Saudi Arabia



ST&T is proud to announce that for this year’s Umrah season, 1444H, we are partnering with selected travel agencies to include EMA in their Umrah packages.

Pilgrims can embark on their Umrah without having to worry about their medical coverage.

Do keep an eye out for the EMA emblem in their brochures or websites or certificate of partnerships at their location.

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List of partner agencies

1. Abu Bakar Travel Services Pte Ltd
2. Afandi Travels & services Pte Ltd
3. Al-Fattah Travel & Tours Pte Ltd
4. Al-Firdaus Travels Pte Ltd
5. Al-Munawwarah Travel & Tours Pte Ltd
6. AQ Travel & Tours Pte Ltd
7. Ar Raiyan Tours & Travel Pte Ltd
8. De Hayat Travel & Services Pte Ltd
9. Evershine Travel & Services Pte Ltd
10. EZ Travel & Tours Pte Ltd
11. Hagel Travel & Tours Pte Ltd
12. Hamidah Travel & Tours Pte Ltd
13. Jalaluddin Travel & Services Pte Ltd
14. M3 Oasis Pte Ltd
15. Noor Mohamad Services & Travel Pte Ltd
16. Nurhikmah Travel & Tours Pte Ltd
17. Rafflesia Travel & Tours Services Pte Ltd
18. Sha Travel & Tours Pte Ltd
19. Shahidah Travel & Tours Pte Ltd
20. SJ Holidays Pte Ltd
21. Smiling Travel Pte Ltd




Albayt Medical Centre

This state-of-the-art center provides full-services that live up to the standards of modern medical facilities, and it is run by a caring team of health care professionals dedicated to providing quality health care services, and it is supported with the newest technologies in the field to aid the diagnosis and treatment. 

P11 Abraj Albayt, Clock Tower
(Next to Movenpick Hotel)
Mecca, Saudi Arabia



Saudi National Hospital

Saudi National Hospital in Makkah is the first private hospital that was established in the Kingdom of Saudi Arabia in 1950. Due to its strategic location, the hospital has the honor to serve pilgrims and residents of the Holy Land throughout the year. And the development is still based on the hospital in all medical departments according to the vision of the Kingdom 2030

Azizeyyah, 2424
Mecca, Saudi Arabia



Alhayat National Hospital

Hayat National Hospitals Group was established in 2003 and it provides diverse healthcare services in the main medical specialties. Equipped specialized medical units in most medical fields such as cardiac catheterization unit, surgery, pain treatment unit, and interventional radiology units, all of which are prepared with the advanced medical equipment.

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

Our Strategic Partners

We represent our Underwriters


390 Victoria Street
Golden Landmark
Singapore 188061


(+65) 91362973 (Singapore)
(+966) 567326785 (Saudi)
(+65) 91015110 (after office hours)
Mon – Fri: 9.30am to 6pm
Saturday: 9.30am to 3pm