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MSIG Insurance (Singapore) Pte. Ltd., a subsidiary of MSI and a member of the MS and AD Insurance Group, is one of the few insurers in Singapore that offers travel insurance coverage for pre-existing conditions. MSIG travel plans comprise of the TravelEasy Standard, TravelEasy Elite, and TravelEasy Premier categories, with its TravelEasy Pre-Ex® benefits provided as an add-on option.
Other highlights of its TravelEasy® plans include COVID-19 travel insurance coverage, overseas and post-trip medical expenses, extreme sports coverage, replacement of traveller coverage, coverage for insolvency of licensed travel operator, emergency medical evacuation, delayed departure and more. Moreover, there is no upper age limit to qualify to apply for their TravelEasy® plans coverage, which may make it more suitable for older travellers and those who suffer from pre-existing medical conditions.
If you are still deciding whether to get covered by MSIG, here’s a review of their range of products and services which may come in handy to help you make a decision.
If you’re diagnosed with COVID-19 and tested positive from a COVID-19 diagnostic test done within the first 90 days of the trip, you can get coverage for up to $500,000 (Premier plan), $330,000 (Elite Plan) or $170,000 (Standard plan) in COVID-19 related overseas medical expenses incurred during your trip, as well as emergency medical evacuation and repatriation.
Any trip cancellation/postponement coverage due to your COVID-19 condition or situation will be up to $7,500 (Premier plan), $5,000 (Elite plan) or $2,000 (Standard plan).
Known for its pre-existing conditions coverage benefit, TravelEasy Pre-Ex® is an add-on option which features over 50 benefits that also covers you for claims not relating to your pre-existing medical conditions such as injury or illness sustained during the trip. On top of that, there is no upper age limit to qualify for this add-on option.
Whether you’re in need of medical advice, help in booking appointments for your critical medical condition or emergency medical evacuation and repatriation, MSIG’s 24-hour emergency helpline is available for you round-the-clock. All you need to do is call +65 6323 8288 and help will be on the way.
This safety cover allows you to claim for any interruption or cancellation to your trip resulting from hijacking of public transport, kidnap and hostage, or passive war that causes accidental death and permanent total disability. However, this coverage excludes claims for losses arising from use of nuclear, chemical and biological substances due to any terrorist events.
While some insurers do not provide coverage for extreme sports, MSIG is known to insure a wide range of extreme sports including bungee jumping, skydiving, paragliding, hot air ballooning, jet skiing, white-water rafting, diving, tobogganing, and more, if you purchase either its Elite or Premium plan.
MSIG’s mobile app — mConnect, makes purchasing of travel insurance plans and submitting of claims a hassle-free experience. You can access your travel insurance policy anywhere at any time, renew your policies, submit your claims, and reach MSIG’s 24-hour emergency helpline team when you need them.
Benefits include:
At the first level of cover, TravelEasy® Standard offers coverage for all the fundamental aspects including overseas medical expenses, emergency dental expenses, daily hospital expenses benefit of $200 per day, post-trip medical expenses, automatic extension of cover public transport delay or bodily injury/illness, flight diversion, trip cancellation and postponement, replacement of traveller, and more.
Benefits include:
TravelEasy® Elite is the next higher-end option that would insure you for a lot more including rental vehicle excess, home contents, domestic pet care, family assistance and child education grant benefits for personal accidents. And if you are into extreme sports while traveling, you’ll be covered for a wide range of extreme sports including bungee jumping, skydiving, paragliding, hot air ballooning, jet skiing, white-water rafting, diving, tobogganing, and more.
Benefits include:
The most comprehensive of all its plans, the TravelEasy® Premier, covers you for similar components as the Elite plan, just that the claim limit is double the amount or higher. For those who are traveling as a family, this may be a suitable plan as the overseas medical coverage is up to $2,600,000, one of the highest in the market.
Not many insurers out there provide coverage for pre-existing medical conditions, but MSIG stands out from the competition as it offers TravelEasy Pre-Ex® as an add-on option for single trip and individual plans, which features over 50 benefits that also covers you for claims not relating to your pre-existing medical conditions such as injury or illness sustained during the trip.
So for whatever pre-existing medical condition you have, you’ll be entitled to in-patient hospitalisation expenses overseas coverage of up to $150,000 that allows you to claim for medical, surgical, nursing or hospital charges, as well as up to $200,000 of emergency medical evacuation and repatriation coverage. If you’re above 60, you do not have to worry about your eligibility for this add-on as there is no upper age limit to qualify for it. As for the premium rates of this add-on to the Standard, Elite and Premier plans, you may refer to MSIG’s TravelEasy Pre-Ex® brochure for more details.
How do MSIG travel claims work?
Before you make a claim with MSIG, you’ve got to be sure of the type of plan you purchased, when did the incident/illness occur (pre-trip, during-trip or post-trip), what belongings or items to claim for, and who are involved.
Here are 4 simple steps to submit your MSIG travel insurance claim
Be it a claim for your scuba diving incident, COVID-19 medical expenses or damaged baggage, MSIG requires claim reports to be made via the MSIG SG app or their claims hotline at +65 6827 7660 (8.45am to 5.30 pm, Mondays to Fridays except Public Holidays).
To make the process easier and faster, you’ll need to know what to provide to MSIG for the assessment of your claim or claims. This include:
Once you’ve submitted all the documents required via the mConnect app or MSIG’s online claims portal, you will receive a claim acknowledgement, before MSIG proceeds to review and settle your claim, which usually takes about 2 to 3 weeks.
Look out for your claims payment made through your preferred FAST or PayNow payment options.
At any point you decide to cancel your policy, you will be entitled to a refund of travel insurance premium only if you have not made any claims under the policy and your trip has not commenced. The refund premium is calculated by taking into account the minimum retained premium of $50. If your policy premium is $50 and below, there is no refund.
Call +65 6827 7602 for general enquiries (8.45 am to 5.30pm on weekdays) or +65 6323 8288 for emergency assistance (24/7). Alternatively, email MSIG at [email protected].
As long as you do not have a pre-existing medical condition and fulfill all the conditions below: