When does the cover commence and end for each trip?

Cover starts from the time you leave your home or workplace in Singapore to begin the trip abroad and ends 3 hours after your return to Singapore or on the expiry of your travel insurance, whichever is sooner.

Can foreigners purchase travel insurance?

Foreigners holding an employment pass or work permit and living in Singapore can apply so long as it is for a round trip commencing from and returning to Singapore within the period of insurance.

Can a person aged 70 years and above buy single trip or annual plan?

Single Trip – Yes, all plans Annual Plan – No. However, if purchase of any annual plan is made before the age of 70, renewal is granted for the Standard Plan only. The policy is renewable up to age 80.

Are there any countries excluded from cover?

All countries are covered unless expressly excluded.

Can I extend the period of cover if I decide to extend my trip whilst overseas?

Extension of period of cover is permitted midway during travel and applied during the period of insurance provided there are no known circumstances or events likely to lead to a claim, subject to a minimum premium of $10. You can call MSIG Assist 24-hour hotline to request for the period extension.

If I decide not to proceed with my trip, can I recover the premium paid for my TravelEasy policy?

You will be entitled to a refund of premium provided there is no claim under the policy and travel has not commenced. The refund premium allowed shall be the balance after taking into account the minimum retained premium of $50. If your policy premium is $50 and below, there is no refund.

If I did not seek medical treatment for an injury or illness during my overseas travel, can l recover medical expenses incurred in Singapore after my return to Singapore?

Yes, provided it is not a pre-existing medical condition and the injury or illness occurred during the overseas travel. Medical treatment must be sought within 72 hours after your return to Singapore and incurred within 30 days from the date you return to Singapore.

What do you mean by public transport under the public transport double cover?

Public transport means any licensed and scheduled land, sea or air transport which has a fixed and established routes and which any member of the public can join at a recognised stop and pay a fare. This excludes taxis, private hire vehicles such as buses or coaches that are chartered or arranged as part of a tour even if the services are regularly scheduled.

Can I get TravelEasy for my child who is joining an exchange programme or school trip?

Yes. If your child is below 12 years old, there must be an accompanying parent or adult guardian who is a school teacher, volunteer or representative of the event organiser.

Are there any differences between family cover and group cover?

The differences between family cover and group cover are: Family cover Covers the insured, his/her legal spouse and any number of their legal children travelling as a family of up to 7 persons. Under a family annual policy, the insured persons need not travel together on a trip. A child under the age of 12 years, however, must be accompanied by a parent or adult guardian for any journey. Benefits and coverage limits for adult and child vary; please refer to the benefit table for details. Group cover Covers 2 to 20 individuals travelling on the same journey and on the same plan for single trip only. Group discount applies to groups of 2 persons or more and applies to single trip plans of the Standard and Elite plans only.

Does TravelEasy provide cover if the travel agency goes bankrupt?

We will cover all irrecoverable costs up to the plan limit if your Singapore Tourism Board (STB) licensed travel agency (including NATAS registered travel agency) becomes insolvent provided that the insurance is bought at least 3 days before the departure date and the insolvency is not already known to the public when you make the trip booking and insurance purchases, whichever date occurs later.

Does the group discount apply if there is a promotional discount offered? If so, how does it work?

Yes. The group discount is applied on the net premium after the promotional discount. This is how the discount tiers work: Total Premium = $450 ($30 X 15 persons) Promotion Discount e.g. 20% = $90 Net Premium = $360 Group Discount - 15% = $54 Net Total Premium = $306 The group discount may not apply to certain promotions. Please check eligibility for group discount from terms and conditions of the ongoing promotion.

TravelEasy | Travel Insurance

Benefits

Personal Accident Cover

Coverage	Standard Plan		Elite Plan		Premier Plan
Coverage	Individual Cover	Adult & Children/Family Cover (in total)*	Individual Cover	Adult & Children/Family Cover (in total)*	Individual Cover	Adult & Children/Family Cover (in total)*
SECTION 1 Accidental death and permanent total disability
Adult below 70 years old	$150,000	$400,000	$200,000	$550,000	$500,000	$1,200,000
Adult 70 years old and above	$50,000		$75,000		$100,000
Child	$50,000		$75,000		$100,000
SECTION 2 Public transport double cover Death arising from public transportation** accident
Adult below 70 years old	Not Covered		$400,000	$1,100,000	$1,000,000	$2,400,000
Adult 70 years old and above			Not covered		Not Covered
Child			$150,000		$200,000
SECTION 3 Funeral expenses due to accidental death Covers funeral expenses for death due to accident overseas
Adult	$3,000	$6,000	$5,000	$10,000	$8,000	$16,000
Child	$750	$6,000	$1,250	$10,000	$2,000	$16,000
SECTION 4 Child Education Grant Lump sum payment for each child upon accidental death of a covered parent	Not Covered		$5,000 each child Up to $20,000		$8,000 each child Up to $32,000
SECTION 5 Family assistance benefit Lump sum payment upon accidental death of a covered parent	Not Covered		$3,000	$6,000	$5,000	$10,000

Coverage	Standard Plan		Elite Plan		Premier Plan
Coverage	Individual Cover	Adult & Children/Family Cover (in total)	Individual Cover	Adult & Children/Family Cover (in total)	Individual Cover	Adult & Children/Family Cover (in total)
SECTION 6 Overseas medical expenses
Adult below 70 years old	$250,000	$800,000	$500,000	$1,400,000	$1,000,000	$2,600,000
Adult 70 years old and above	$50,000		$75,000		$100,000
Child	$150,000		$200,000		$300,000
SECTION 7 Emergency dental expenses
Adult	$5,000	$10,000	$10,000	$20,000	$15,000	$30,000
Child	$1,250	$10,000	$2,500	$20,000	$3,750	$30,000
SECTION 8 Medical expenses in Singapore Treatment within 72 hours after return to Singapore
Adult below 70 years old	$25,000	$70,000	$50,000	$140,000	$75,000	$210,000
Adult 70 years old and above	$5,000		$7,500		$10,000
Child	$10,000		$20,000		$30,000
SECTION 9 Mobility aid reimbursement
Adult	$1,000	$2,000	$3,000	$6,000	$5,000	$10,000
Child	$250	$2,000	$750	$6,000	$1,250	$10,000
SECTION 10 Traditional Chinese medicine expenses Treatment by TCM practitioner
Adult	$200	$600	$400	$1,300	$600	$1,800
Child	$100	$600	$250	$1,300	$300	$1,800
SECTION 11 Maternity medical expenses overseas Covers for incidental expenses incurred overseas for pregnancy-related illness
Adult	Not Covered		$2,000	Not Covered	$3,000	Not Covered
SECTION 12 Overseas hospitalisation daily benefit Each day of hospitalisation abroad
Adult	$200 per day Max $20,000	$50,000	$250 per day Max $37,500	$100,000	$300 per day Max $60,000	$150,000
Child	$100 per day Max $5,000	$50,000	$125 per day Max $12,500	$100,000	$150 per day Max $150,000	$150,000
SECTION 13 Overseas ICU hospitalisation daily benefit Each day of hospitalisation abroad in intensive care unit (ICU)
Adult	Not Covered		$350 per day Max $3,500	$10,000	$400 per day Max $4,000	$12,000
Child	Not Covered		$150 per day Max $1,500	$10,000	$200 per day Max $2,000	$12,000
SECTION 14 Hospitalisation daily benefit in Singapore Each day of hospital confinement in Singapore
Adult	$100 per day Max $500	$1,300	$100 per day Max $1,000	$2,500	$100 per day Max $2,000	$5,000
Child	$50 per day Max $150	$1,300	$50 per day Max $250	$2,500	$50 per day Max $500	$5,000
SECTION 15 Medical & travel assistance services	Available
SECTION 16 Emergency medical evacuation and repatriation
Emergency medical evacuation Sending you home after a medical emergency evacuation Sending home your mortal remains	$1,000,000		$1,000,000		$1,000,000
SECTION 17 Compassionate and hospital visit
Immediate family member to travel to and accompany an insured person during his/ her hospitalisation or death of an insured person outside of Singapore	$5,000	$12,500	$10,000	$25,000	$15,000	$37,500
SECTION 18 Child guard
A relative to travel and accompany minor children back to Singapore	$5,000	$12,500	$10,000	$25,000	$15,000	$37,500
SECTION 19 Emergency telephone charges
Reimburses emergency telephone charges incurred overseas	$100	$250	$200	$500	$300	$750

Travel Inconvenience Cover

Coverage	Standard Plan		Elite Plan		Premier Plan
Coverage	Individual Cover	Adult & Children/Family Cover (in total)	Individual Cover	Adult & Children/Family Cover (in total)	Individual Cover	Adult & Children/Family Cover (in total)
SECTION 20 Insolvency of licensed travel operator
Pays for pre-paid travel fare and deposits in the event of bankruptcy or insolvency of an STB (Singapore Tourism Board) registered travel agency in Singapore	$2,000	$4,000	$4,000	$8,000	$6,000	$12,000
SECTION 21 Travel cancellation
Death, serious injury or serious illness of insured person, family member or travel companion: or Riot, strike, industrial action, natural disasters at the overseas destination, closure of airport, epidemic or pandemic before the start of the journey	$5,000	$12,500	$10,000	$25,000	$15,000	$37,500
SECTION 22 Travel postponement
Death, serious injury or serious illness of insured person, family member or travel companion: or Riot, strike, industrial action, natural disasters at the overseas destination, closure of airport, epidemic or pandemic before the start of the journey	$750	$1,875	$1,500	$3,750	$2,000	$5,000
SECTION 23 Replacement of traveller
Pays charges for change of traveller due to you not being able to travel for the trip	$500	$1,250	$750	$1,875	$1,000	$2,500
SECTION 24 Replacement of employee
Travelling expenses for substitute employee to complete the official business	$5,000		$10,000		$15,000
SECTION 25 Delayed departure
Pays benefit for every 6 hours of delay or expenses for alternative travel arrangement	$100 Max $500	$1,000	$100 Max $1,000	$2,000	$100 Max $1,500	$3,000
SECTION 26 Flight diversion
For every 6 hours delay due to natural disasters, poor weather conditions, emergency medical treatment for a fellow passenger or mechanical breakdown of the aircraft	$100 Max $500	$1,000	$100 Max $1,000	$2,000	$100 Max $1,500	$3,000
SECTION 27 Overbooked flight
Overbooked flight with no onward travel transportation available for more than 6 hours after travel agent or airline flight confirmation	$100 Max $200	$400	$150 Max $300	$600	$200 Max $400	$800
SECTION 28 Missed travel connection
Missed travel connection with no onward travel connection available for more than 6 hours after an insured person's late arrival	$100 Max $200	$400	$150 Max $300	$600	$200 Max $400	$800
SECTION 29 Shortening the trip
Death, serious injury or serious illness of insured person, family member or travel companion: or Riot, strike, industrial action, natural disasters at the overseas destination, closure of airport, epidemic or pandemic before the start of the journey	$5,000	$12,500	$10,000	$25,000	$15,000	$37,500
SECTION 30 Travel disruption
Death, serious injury or serious illness of insured person, family member or travel companion: or Riot, strike, industrial action, natural disasters at the overseas destination, closure of airport, epidemic or pandemic before the start of the journey	$1,000	$2,500	$2,000	$5,000	$3,000	$7,500
SECTION 31 Automatic extension of cover
Public transport delay or bodily injury of illness	Yes		Yes		Yes
SECTION 32 Delayed baggage
A lump sum payment for every 6 hours of baggage delay	$150 Max $600	$1,200	$200 Max $1,000	$2,000	$250 Max $1,500	$3,000
SECTION 33 Baggage Personal baggage and personal effects
Limit: $500 per article, pair or set of items and $1,000 for one unit laptop computer	$3,000	$6,000	$5,000	$10,000	$7,500	$15,000
SECTION 34 Wedding clothing and accessories
Bridal and ceremonial attire, wedding rings, jewellery and wedding accessories	Not Covered		$2,500		$3,500
SECTION 35 Loss of travel documents
Cost of replacing lost travel documents, business records or samples	$2,000	$4,000	$3,000	$6,000	$5,000	$10,000
SECTION 36 Personal Money
Loss of cash and travellers cheques due to robbery, burglary or theft outside Singapore	$100		$300		$500
SECTION 37 Fraudulent use of credit card
Financial loss following fraudulent use of credit cards lost during the overseas travel	Not Covered		$2,000		$3,000
SECTION 38 Credit card outstanding balance
Covers the outstanding balance of the insured person's credit card incurred up to the date of the accident	Not Covered		$2,000		$3,000

Personal Liability

Coverage	Standard Plan		Elite Plan		Premier Plan
Coverage	Individual Cover	Adult & Children/Family Cover (in total)	Individual Cover	Adult & Children/Family Cover (in total)	Individual Cover	Adult & Children/Family Cover (in total)
SECTION 39 Personal liability Legal liability for overseas accidents resulting in bodily injuries or damage to property of third parties
Adult	$500,000	$500,000	$1,000,000	$1,000,000	$1,000,000	$1,000,000
Child	$250,000	$500,000	$500,000	$1,000,000	$500,000	$1,000,000
SECTION 40 Legal expenses for wrongful arrest or detention Legal costs incurred for wrongful arrest or detention by any government or local authority overseas
Adult	Not Covered		$5,000	$5,000	$10,000	$10,000
Child	Not Covered		$5,000	$5,000	$10,000	$10,000

Lifestyle Cover

Coverage	Standard Plan		Elite Plan		Premier Plan
Coverage	Individual Cover	Adult & Children/Family Cover (in total)	Individual Cover	Adult & Children/Family Cover (in total)	Individual Cover	Adult & Children/Family Cover (in total)
SECTION 41 Adventurous activities cover
Bungee jumping, sky diving, paragliding, hot-air ballooning, jet skiing, white-water rafting, diving, ice skating, tobogganing, sledging and other activities listed in the policy	Not Covered		Yes		Yes
SECTION 42 Golfer's cover
Damage or loss of golf equipment (except while in use)	Not Covered		$1,000		$1,500
Unused green fee due to injury or illness			$500		$750
Hole-in-one			$500		$750
SECTION 43 Unused entertainment ticket
Covers cost of pre-paid unused entertainment ticket to theme parks, performances, concerts and sports events due to death, serious injury or serious illness	Not Covered		$300	$600	$500	$1,000
SECTION 44 Rental vehicle excess
Reimburses the excess or deductible for accidental loss of or damage to a rental vehicle under car rental agreement	Not Covered		$1,000		$1,500
SECTION 45 Returning a rental vehicle
Cost of returning rental vehicle due to accidental injury or illness of an insured person	Not Covered		$500		$750
SECTION 46 Home contents
Loss of or damage to contents in the home of an insured person in Singapore due to fire or burglary	Not Covered		$10,000		$15,000
SECTION 47 Domestic pets care
Continued stay of pet at the pet hotel due to injury or illness of the insured person overseas	Not Covered		$50 per day Max $500		$75 per day Max $750

Additional Benefits

Coverage	Standard Plan		Elite Plan		Premier Plan
Coverage	Individual Cover	Adult & Children/Family Cover (in total)	Individual Cover	Adult & Children/Family Cover (in total)	Individual Cover	Adult & Children/Family Cover (in total)
SECTION 48 Terrorism Cover Acts of terrorism (excluding biological, chemical and nuclear devices) outside Singapore
Adult below 70 years old	$200,000	$800,000	$300,000	$1,200,000	$500,000	$2,000,000
Adult 70 years old and above	$200,000		$300,000		$500,000
Child	$200,000		$300,000		$500,000
SECTION 49 Passive War Applies to Section 1 only – Accidental death and permanent total disability
Adult below 70 years old	$150,000	$400,000	$200,000	$550,000	$500,000	$1,200,000
Adult 70 years old and above	$50,000		$75,000		$100,000
Child	$50,000		$75,000		$100,000
SECTION 50 Hijack of public transport
Hijack of every 6 hours of the public transport the insured person is travelling on	$100 Max $2,000	$5,000	$200 Max $4,000	$10,000	$300 Max $6,000	$15,000
SECTION 51 Kidnap or hostage
Kidnap or holding hostage of an insured person for every 6 hours	$100 Max $2,000	$5,000	$200 Max $4,000	$10,000	$300 Max $6,000	$15,000

Important Notes:

*The limits under Adult & children/Family cover are subject to individual cover limits for each insured person.

**Public transportation excludes a rented vehicle, vehicle on hire, ride-hailing services, tour coach or any mode of transportation chartered or arranged for the tour.

Notes:

Adult (Individual) means a person aged 18 years and above at the commencement of any trip.
Child means a person who is aged above one month and below 18 years or below 23 years of age if studying full time in a recognised institution of higher learning at the commencement of any trip.
Adult & children means an adult travelling together with his or her biological or legally adopted children on the same journey for single trip travel.
Family
1. Under single trip plan means:
  - Insured and his/her spouse or
  - Insured and his/her spouse and their biological or legally adopted children travelling together on the same journey
2. Under annual plan means:
  - Insured and his/her spouse or
  - Insured and his/her spouse and their biological or legally adopted children.
  Insured persons covered under annual plan for Adult & children/Family covers need not travel together but any child under the age of 12 years must be accompanied by a parent or adult guardian during the trip. The total number of insured persons covered under Adult & children/Family cover shall not exceed 7
Child under the age of 12 years not travelling under the Adult & children/Family cover must be accompanied by a parent or adult guardian during the trip.
Adults aged 70 years and above are eligible for single trip cover for all plans. They are not eligible for annual policies. However, if an annual policy was effected before age 70, renewal is granted up to 80 years for the Standard Plan only.
Cover must be effected before departure from Singapore. All trips must start and end in Singapore. The maximum length of cover is 182 consecutive days for single trip and, 90 consecutive days per trip for unlimited numbers of trips under annual plan.
Pre-existing medical conditions requiring treatment or consultation during the 12 months prior to the trip commencement are not covered.
Travel must commence no later than 182 days from the date of application for single trip plans.
All insured persons must be residing in Singapore.

Premiums

Premium rates

Premium for Adult & children is at 75% of Family premium. (rounded down to nearest fifty cents)

Premiums	Standard		Elite		Premier
Premiums	Individual	Family	Individual	Family	Individual	Family
Area A Brunei, Cambodia, Indonesia, Laos, East & West Malaysia, Myanmar, Philippines, Thailand & Vietnam
Single Trip – First 3 days	$32	$80	$44	$104	$62	$145
Single Trip – Daily Rate	$5	$11	$6.50	$14	$9	$18
Annual Plan	$225	$450	$310	$585	$435	$720
Area B Australia, China (Excluding Inner Mongolia and Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan and countries in Area A
Single Trip – First 3 days	$38	$95	$52	$132	$80	$188
Single Trip – Daily Rate	$6.50	$13	$8.50	$17.50	$10.50	$22
Annual Plan	$270	$500	$350	$640	$480	$800
Area C Worldwide including countries in Area A and B
Single Trip – First 3 days	$55	$140	$72	$170	$100	$230
Single Trip – Daily Rate	$9.50	$17	$11	$22	$15	$27.50
Annual Plan	$385	$650	$485	$800	$650	$1,000
Group Cover Covers 2 to 20 insured persons travelling together as a group on the same journey and covered on the same single trip plan, provided the applicant is travelling with the group. Children are covered on child benefits only. Group cover for 6 persons or more is available for the Standard and Elite plans, single trips only. Group discount applies to groups of 2 persons or more – refer to table below.
No. of persons	Group Discount
2 to 10 Insured Persons	10%
11 to 20 Insured Persons	15%

Important Notes:

Overall compensation limit

The total limit for all persons travelling in one aircraft or surface transport vehicle or vessel is limited to $15,000,000. If the total claim for all persons exceeds $15,000,000, we will pay each person a percentage of the benefit due for that person.

The total limit for Terrorism cover for all persons is $5,000,000 per event regardless of the mode of transport. If the total claim exceeds $5,000,000, we will pay each person a percentage of the benefit due for that person.

FAQs

No.	Questions & Answers
1	When does the cover commence and end for each trip? Cover starts from the time you leave your home or workplace in Singapore to begin the trip abroad and ends 3 hours after your return to Singapore or on the expiry of your travel insurance, whichever is sooner.
2	Can foreigners purchase travel insurance? Foreigners holding an employment pass or work permit and living in Singapore can apply so long as it is for a round trip commencing from and returning to Singapore within the period of insurance.
3	Can a person aged 70 years and above buy single trip or annual plan? Single Trip – Yes, all plans Annual Plan – No. However, if purchase of any annual plan is made before the age of 70, renewal is granted for the Standard Plan only. The policy is renewable up to age 80.
4	Are there any countries excluded from cover? All countries are covered unless expressly excluded.
5	Can I extend the period of cover if I decide to extend my trip whilst overseas? Extension of period of cover is permitted midway during travel and applied during the period of insurance provided there are no known circumstances or events likely to lead to a claim, subject to a minimum premium of $10. You can call MSIG Assist 24-hour hotline to request for the period extension.
6	If I decide not to proceed with my trip, can I recover the premium paid for my TravelEasy policy? You will be entitled to a refund of premium provided there is no claim under the policy and travel has not commenced. The refund premium allowed shall be the balance after taking into account the minimum retained premium of $50. If your policy premium is $50 and below, there is no refund.
7	If I did not seek medical treatment for an injury or illness during my overseas travel, can l recover medical expenses incurred in Singapore after my return to Singapore? Yes, provided it is not a pre-existing medical condition and the injury or illness occurred during the overseas travel. Medical treatment must be sought within 72 hours after your return to Singapore and incurred within 30 days from the date you return to Singapore.
8	What do you mean by public transport under the public transport double cover? Public transport means any licensed and scheduled land, sea or air transport which has a fixed and established routes and which any member of the public can join at a recognised stop and pay a fare. This excludes taxis, private hire vehicles such as buses or coaches that are chartered or arranged as part of a tour even if the services are regularly scheduled.
9	Can I get TravelEasy for my child who is joining an exchange programme or school trip? Yes. If your child is below 12 years old, there must be an accompanying parent or adult guardian who is a school teacher, volunteer or representative of the event organiser.
10	Are there any differences between family cover and group cover? The differences between family cover and group cover are: Family cover Covers the insured, his/her legal spouse and any number of their legal children travelling as a family of up to 7 persons. Under a family annual policy, the insured persons need not travel together on a trip. A child under the age of 12 years, however, must be accompanied by a parent or adult guardian for any journey. Benefits and coverage limits for adult and child vary; please refer to the benefit table for details. Group cover Covers 2 to 20 individuals travelling on the same journey and on the same plan for single trip only. Group discount applies to groups of 2 persons or more and applies to single trip plans of the Standard and Elite plans only.
11	Does TravelEasy provide cover if the travel agency goes bankrupt? We will cover all irrecoverable costs up to the plan limit if your Singapore Tourism Board (STB) licensed travel agency (including NATAS registered travel agency) becomes insolvent provided that the insurance is bought at least 3 days before the departure date and the insolvency is not already known to the public when you make the trip booking and insurance purchases, whichever date occurs later.
12	Does the group discount apply if there is a promotional discount offered? If so, how does it work? Yes. The group discount is applied on the net premium after the promotional discount. This is how the discount tiers work: Total Premium = $450 ($30 X 15 persons) Promotion Discount e.g. 20% = $90 Net Premium = $360 Group Discount - 15% = $54 Net Total Premium = $306 The group discount may not apply to certain promotions. Please check eligibility for group discount from terms and conditions of the ongoing promotion.

Events Affecting Cover

Novel Coronavirus (Covid-19) outbreak

Updated on 13 Mar 2020

The World Health Organisation (WHO) first declared the Covid-19 outbreak to be a global health emergency on 30 Jan 2020 and has since declared that it is a pandemic. As it is anticipated that more countries will be affected, we consider these developments to be a known event globally from 27 Feb 2020.

We would like to highlight how known events and travel advisories can affect your policy coverage which you need to be aware of when planning for your trip.

Our travel insurance does not cover any claims arising from Novel Coronavirus (Covid-19) outbreak for trips to or passing through these destinations if the policy or trip is purchased on these dates or later:

22 Jan 2020 for Wuhan
23 Jan 2020 for Hubei Province
27 Jan 2020 for Mainland China (excluding Hong Kong, Macau & Taiwan)
23 Feb 2020 for Daegu or Cheongdo of South Korea
27 Feb 2020 for South Korea, Italy, Iran, Japan and other destinations

As the situation develops, other policy cover changes may be made due to the events that are made known by the media or government. Please refer to Singapore Ministry of Foreign Affairs for the latest update on travel advisories.

1. Does MSIG travel insurance cover me for Covid-19? (Applies to Single Trip and Annual Plans.)

a) For policy and trip purchased before 27 February 2020

For policy AND trip bought
before the purchase cut-off date on

For travel to or through

Departure cut-off date

Pre-Trip Benefits

such as travel cancellation and postponement

During Trip Benefits

such as overseas medical expenses, shortening the trip and travel disruption

22 Jan 2020

Wuhan, China

Departing from 22 Jan 2020

The policy covers travel cancellation or postponement claim if your trip is departing within 30 days subject to assessment of your claim based on policy terms and conditions.

If your travel start date is before the departure cut-off date:

We cover you during your trip as per policy terms and conditions. E.g. If you fall ill overseas due to Covid-19, we will cover your medical expenses as per policy terms and conditions.

If your travel start date is on or after the departure cut-off date:

We do not cover you for claims related to Covid-19 as there is non-essential travel notice advising against travelling to the destination. However, we will still cover you for claims not related to Covid-19 such as baggage delay, loss of travel documents or medical expenses due to injury.

23 Jan 2020

Hubei, China

Departing from 23 Jan 2020

27 Jan 2020

Mainland China (other than Hong Kong, Macau and Taiwan)

Departing from 27 Jan 2020

23 Feb 2020

Daegu or Cheongdo in South Korea

Departing from 23-26 Feb 2020

27 Feb 2020, 0000hrs

South Korea, Italy, Iran

Departing from 27 Feb 2020

The policy covers travel cancellation or postponement claim if your trip is departing within 30 days subject to assessment of your claim based on policy terms and conditions.

If your travel start date is before 27 Feb 2020:

We cover you during your trip as per policy terms and conditions. E.g. If you fall ill overseas due to Covid-19, we will cover your medical expenses as per policy terms and conditions.

If your travel date is on or after 27 Feb 2020:

We do not cover you for claims related to Covid-19 as there is non-essential travel notice advising against travelling to the destination. However, we will still cover you for claims not related to Covid-19 such as baggage delay, loss of travel documents or medical expenses due to injury.

27 Feb 2020, 0000hrs

Japan

Departing from 2 Mar 2020

The policy covers travel cancellation or postponement claim if your trip is departing within 30 days subject to assessment of your claim based on policy terms and conditions.

If your travel start date is before 2 Mar 2020:

We cover you during your trip as per policy terms and conditions. E.g. If you fall ill overseas due to Covid-19, we will cover your medical expenses as per policy terms and conditions.

If your travel start date ison or after2 Mar 2020:

We do not cover you for claims related to Covid-19 as there is non-essential travel notice advising against travelling to the destination. However, we will still cover you for claims not related to Covid-19 such as baggage delay, loss of travel documents or medical expenses due to injury.

27 Feb 2020, 0000hrs

Any other destination not listed above.

Departing from 12 Mar 2020

The policy covers travel cancellation or postponement claim if your trip is departing within 30 days subject to assessment of your claim based on policy terms and conditions.

If your travel start date is before 12 Mar 2020:

We cover you during your trip as per policy terms and conditions. E.g. If you fall ill overseas due to Covid-19, we will cover your medical expenses as per policy terms and conditions. This is provided there is no travel advisory against travelling to your planned destination and WHO has not declared epidemic at your planned destination before you depart for the trip.

If your travel start date is on or after 12 Mar 2020:

We do not cover you for claims related to Covid-19 as WHO has classified it as a pandemic.

The policy does not cover solely on your decision not to travel. If you are unable to travel due to an insured event and would like to submit a claim, you must first seek refund or compensation from your flight and/or accommodation provider before making a claim on the policy.

b) For policy or trip purchased from 27 February 2020 onwards

The travel insurance will exclude coverage related to Covid-19. However, you are still covered for benefits such as baggage delay, loss of travel documents, missed travel connection and medical benefits should you fall ill or injure yourself during your travel, so long as there is no connection with Covid-19.

As the situation develops, other policy cover changes may be made due to the events that are made known by the media or government. Please continue to monitor this section for the latest updates.

2. I would like to cancel/ postpone my travels due to the Covid-19 outbreak; can I cancel my single trip policy and ask for a refund?

You may request to cancel your travel insurance policy and we will refund your premium in full, provided that the period of insurance has not started, and you have not made any claim under the policy. Please refer to the table below.

Country of travel	Purchase transaction date	Policy cancellation and premium refund
Mainland China	Before 30 Jan 2020	Admin fee of $50 waived, full refund of insurance premiums.
South Korea, Italy, Iran, Japan	Before 27 Feb 2020	Admin fee of $50 waived, full refund of insurance premiums.

The cancellation and full refund will apply to policies with travel dates commencing no later than 31 Jul 2020.

Admin fee applicable for policy cancellations for purchases within the transaction dates below, provided no claim has been made under the policy.

Country of travel	Purchase transaction date	Policy cancellation and premium refund
Mainland China	Between 30 Jan to 31 May 2020	Reduction of $50 admin fee to $10
South Korea, Italy, Iran, Japan	Between 27 Feb to 31 May 2020	Reduction of $50 admin fee to $10
Rest of the world (exclude Mainland China, South Korea, Italy, Iran, Japan)	Up to 31 May 2020	Reduction of $50 admin fee to $10

Change of Travel date/ Destination
For policies purchased before 31 May 2020, should you wish to postpone or change destination for your trip, please refer to the table below.

Scenario	New travel date must commence by	Postpone or change of destination for your trip
New date/ destination advised before original policy commencement date	31 Dec 2020	First change: Admin fee of $10 waived Subsequent change: Admin fee of $10 applies
No new date or destination advised before original policy commencement date	Not applicable	Policy will be cancelled with premiums refunded subject to admin fee listed in the tables above.

Scenario

New travel date must commence by

Postpone or change of destination for your trip

New date/ destination advised before original policy commencement date

31 Dec 2020

First change: Admin fee of $10 waived

Subsequent change: Admin fee of $10 applies

No new date or destination advised before original policy commencement date

Not applicable

Policy will be cancelled with premiums refunded subject to admin fee listed in the tables above.

The reissued travel policy will exclude coverage related to Covid-19. However, you are still covered for benefits such as baggage delay, loss of travel documents, missed travel connection and medical benefits should you fall ill or injure yourself during your trip, so long as there is no connection with Covid-19.

As the situation develops, other policy cover changes may be made due to the events that are made known by the media or government. Please continue to monitor this section for the latest updates

Hong Kong Protests

Our travel insurance does not cover any claims arising from the protests in Hong Kong as it is considered a known event since June 2019. However, claims which are not related to this event such as medical expenses due to illness sustained during the trip are payable subject to policy terms and conditions.

There are good reasons to get your travel insurance once you have booked your trip as this can protect your pocket if your trip is disrupted due to unexpected events such as strikes, riots and natural disasters that happen at your planned destination.

These events can affect your cover depending on when you have purchased the policy.

Policies purchased after the insured event has happened

Based on policy terms and conditions, the insured event will not be covered as it has already happened or has been made known by the media or authorities.

Should you decide to proceed with the trip, it is important to remember that you are still covered for all other unexpected insured events that happen on your trip such as baggage delay caused by the airline or loss of personal items due to theft.

Policies purchased before the insured event happened and you have not yet departed

The policy covers for travel cancellation or postponement if your trip is unavoidably cancelled or postponed due to an insured event that happens within 30 days before your trip.

If you are unsure whether the overseas event affects your trip, please contact your providers (airline, transport, tour, accommodation) to check if your bookings are affected by the event.

If your trip is unavoidably cancelled or postponed, please submit your claim to us and we will assess it based on policy terms and conditions.

Insured events refer to events that are covered by the policy, subject to the policy terms and conditions. The list of insured events is shown under each relevant section of the policy.

For information on claims procedure, click here.

If you would like to clarify on your coverage, you can chat with Mae or contact us.

Important Notice & Disclaimers

This page is for general information only. Full details of the terms, conditions and exclusions of this insurance are provided in the policy and will be sent to you upon acceptance of your application by MSIG Insurance (Singapore) Pte Ltd.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us here or visit GIA or SDIC.

Compare

	TravelEasy			TravelEasy Pre-Ex
Plan types	Standard	Elite	Premier	Standard	Elite	Premier
Eligibility	All persons residing in Singapore aged 1 month and above, including foreigners holding an employment pass or work permit and living in Singapore. Cover excludes pre-existing conditions.			All persons residing in Singapore aged 1 month and above, including foreigners holding an employment pass or work permit and living in Singapore. Cover includes pre-existing medical conditions that are stable and controlled.
Applicant to meet a set of medical related conditions for cover	No			Yes
Trip Types Single Trip	182 days			30 days
Annual	90 days/trip			Not available
Cover Types Individual	Yes			Yes
Group	Yes			No
Family	Yes			No
Age	No upper age limit			No upper age limit
Benefit Coverage Overview Sections 1 to 51*	Covered, except due to pre-existing medical conditions			Covered, except due to pre-existing medical conditions
Section 52 Pre-Ex Critical Care	Not Applicable			Covered
Overseas Medical Expenses (Individual Adult below Age 70)	$250,000	$500,000	$1,000,000	$250,000	$500,000	$1,000,000
Pre-Ex Critical Care - Sub-limit of Sections 6 and 16 (Individual Adult below Age 70) Overseas Medical Expenses	Not covered			$75,000	$100,000	$150,000
Emergency Evacuation and Repatriation	Not covered			$100,000	$150,000	$200,000
Personal Accident (Individual Adult below Age 70)	$150,000	$200,000	$500,000	$150,000	$200,000	$500,000
Medical Expenses in Singapore - Treatment within 72 hours of return to Singapore Pre-existing condition	Not covered			Not covered
Non pre-existing medical conditions	Covered			Covered
Premiums	TravelEasy table rates			TravelEasy Pre-Ex table rates

*The cover limits for Sections 1 to 51 for both products are the same.

Customer Reviews

Review	Customer Name
I lost my handphone overseas and was in a total state of panic. Lucky for me, the claim process was super easy and intuitive, and your staff was super helpful as well when I was at my lowest. Thank you so much for the great experience and I will definitely recommend you to my friends and family!	by Ken T. via Seedly
Easy to purchase online. The website is also user-friendly as just need to upload the bills when I submit for medical claims. The waiting time for processing my claims was quite fast too. Have bought from them a few times.	by Wendy H. via Seedly

Review

Customer Name

I lost my handphone overseas and was in a total state of panic.

Lucky for me, the claim process was super easy and intuitive, and your staff was super helpful as well when I was at my lowest. Thank you so much for the great experience and I will definitely recommend you to my friends and family!

by Ken T. via Seedly

Easy to purchase online.

The website is also user-friendly as just need to upload the bills when I submit for medical claims. The waiting time for processing my claims was quite fast too. Have bought from them a few times.

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Product Description

Key features

Plan highlights

Plan details

SECTION 1

Accidental death and permanent total disability

SECTION 2

Public transport double cover

SECTION 3

Funeral expenses due to accidental death

SECTION 4

Child Education Grant

SECTION 5

Family assistance benefit

SECTION 6

Overseas medical expenses

SECTION 7

Emergency dental expenses

SECTION 8

Medical expenses in Singapore

Treatment within 72 hours after return to Singapore

SECTION 9

Mobility aid reimbursement

SECTION 10

Traditional Chinese medicine expenses

SECTION 11

Maternity medical expenses overseas

SECTION 12

Overseas hospitalisation daily benefit

SECTION 13

Overseas ICU hospitalisation daily benefit

SECTION 14

Hospitalisation daily benefit in Singapore

SECTION 15

Medical & travel assistance services

SECTION 16

Emergency medical evacuation and repatriation

SECTION 17

Compassionate and hospital visit

SECTION 18

Child guard

SECTION 19

Emergency telephone charges

SECTION 20

Insolvency of licensed travel operator

SECTION 21

Travel cancellation

SECTION 22

Travel postponement

SECTION 23

Replacement of traveller

SECTION 24

Replacement of employee

SECTION 25

Delayed departure

SECTION 26

Flight diversion

SECTION 27

Overbooked flight

SECTION 28

Missed travel connection

SECTION 29

Shortening the trip

SECTION 30

Travel disruption

SECTION 31

Automatic extension of cover

SECTION 32

Delayed baggage

SECTION 33

Baggage

SECTION 34

Wedding clothing and accessories

SECTION 35

Loss of travel documents

SECTION 36

Personal Money

SECTION 37

Overseas Medical Expenses
(Individual Adult below Age 70)

Pre-Ex Critical Care - Sub-limit of Sections 6 and 16
(Individual Adult below Age 70)

TravelEasy^®