No worries sure clear.. I brought 1 luggage on board with my 6 million dollar on board. No one said anything.. just keep it below will do during take off and landing.
such policy should be categorised under general insurance... try asking Chartis... http://gia.org.sg/ --> take a look at the members call them and check with them regarding such products.
Withdraw from the ATM machine will do (My max withdrawal at the machine was 1000HKD per withdrawal, kinda troublesome if you are withdrawing amt like 12k HKD).. current DBS exchange rate for withdrawing HKD is approx 6.16.. my last withdrawal was 6 June.
Travel insurance is classified by area...let say for example you are going to europe it is classified as 1 zone so you just need to purchase the area tt you are going to.