|MSIG Travel Insurance - Product Summary|
Pre-existing Medical Conditions Cover
MSIG offers travel insurance (Single Trip) for travellers with pre-existing medical conditions under TravelEasy Pre-Ex Plans.
Emergency Medical Evacuation
Covers up to a maximum limit of $1,000,000.
Public Transport Double Cover
If the insured person suffers an injury while travelling as a fare-paying passenger on board any public transport outside Singapore during the journey which, within 12 calendar months of its happening, is the only cause of death, the amount MSIG will pay will be double the limit for death provided under “Accidental death and permanent total disability”.
Emergency Dental Expenses
MSIG will pay for emergency dental treatment expenses which were paid outside Singapore/ dental treatment expenses upon return to Singapore (limited to 30 days after the insured person returns to Singapore) to restore healthy and natural teeth or a fractured jaw if a dentist decides this is necessary as a result of an injury suffered by the insured person during the journey outside Singapore.
Maternity-related Overseas Medical Expenses
Covers for medical expenses incurred overseas due to pregnancy-related illnesses such as nausea and dizziness.
Medical and Travel Assistance Services (24 hours)
MSIG can arrange the required worldwide medical and travel assistance services through its appointed assistance company to help the insured person in any emergency during their journey outside Singapore.
Table of Content
|Medical Exclusions||Trip Inconvenience and Sports Exclusions|
|Pre-existing conditions, unless you purchased TravelEasy Pre-Ex Plan||War and terrorism exclusion|
|Child birth/pregnancy-related complications||Radioactive contamination, chemical, biological, biochemical and electromagnetic weapons exclusion|
|Dental and medical treatment claims not classified as Medically Necessary||Damage or breakage of sports equipment while in use|
|Travelling against medical advice||No benefit claimable for losses of customer loyalty points used to pay for any part of Your Trip|
|Travelling for seeking medical treatment||Items taken/ destroyed by customs or other officials|
Types of Plan
TravelEasy Standard PlanMSIG TravelEasy Standard Plan is ideal for travellers who are looking for bargain deals with no-frills cover. However, note that a couple of benefits are not available under Standard Plan (Lifestyle Cover, Public Transport Double Cover, Child Education Grant, Family Assistance Benefit, Maternity Medical Expenses Overseas, Overseas ICU Hospitalisation Daily Benefit, Wedding Clothing and Accessories, Fraudulent Use of Credit Card, Credit Card Outstanding Balance, Legal Expenses for Wrongful Arrest or Detention, etc). In terms of travel inconveniences, Standard Plan offers a maximum benefit limit of $600 for baggage delay (at $150 for every six hours of baggage delay). Personal accident coverage is at $150,000.
TravelEasy Elite PlanIf you plan to drive and rent a vehicle for a road trip, planning on adventurous/ golf activity or are travelling for a wedding shoot, Elite Plan will be a better choice. It offers Vehicle Rental Excess Cover capped at $1,000, Adventurous Activities Cover/ Golfer’s Cover as well as a separate benefit for Wedding Clothing and Accessories. In terms of baggage delay, the benefit limit is capped at $1,000 (at $200 for every six hours of baggage delay). Personal accident coverage is at $200,000.
TravelEasy Premier PlanTravelEasy Premier Plan is the one with the highest limit out of the three types of plans, it also offers Lifestyle Covers as well as some of the additional benefits (which are not available on Standard Plan). The car rental excess cover is capped at $1,500, baggage delay benefit limit is capped at $1,500 (at $250 for every six hours of baggage delay) and personal accident coverage is capped at $500,000.
TravelEasy Pre-Ex BenefitThis is the extension of the three plans above (with additional premiums) to cover for claims relating to an acute onset of a pre-existing medical condition during your trip overseas. Under Pre-Ex critical care, coverage for overseas medical expenses (pre-existing condition) is at $75,000, $100,000 and $150,000 for Standard, Elite and Premier plan respectively. Sub-limit of up to $200,000 for emergency medical evacuation and repatriation.
|TravelEasy Standard Plan||Industry Basic Plan Averages|
|1 week ASEAN||$20.80||$26.32|
|1 week Asia||$25.60||$32.91|
|1 week Worldwide||$37.20||$46.32|
|TravelEasy Elite Plan||Industry Mid-tier Plan Averages|
|1 week ASEAN||$28||$33.29|
|1 week Asia||$34.40||$41.43|
|1 week Worldwide||$46.40||$58.83|
Top Shelf Plan
|TravelEasy Premier Plan||Industry Top Shelf Plan Averages|
|1 week ASEAN||$39.20||$46.96|
|1 week Asia||$48.80||$59.56|
|1 week Worldwide||$64||$80.30|