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Benefits

Pack a travel insurance that really has your back. TravelEasy covers adventurous activities you love, and protects you and your family with over 50 benefits.

Overseas Medical & Hospitalisation Expenses
In addition to $1 million cover for overseas medical expenses*, we pay out a daily benefit for each day of overseas hospitalisation in an intensive care unit (ICU).

Haze Cover
We protect you from any haze-related flight delays, disruptions, cancellations and postponement.

Terrorism Cover
We cover for losses you suffer due to an unexpected terrorism event while overseas. Cover excludes acts of terrorism using nuclear, chemical and biological weapons or substances.

Unused Entertainment Ticket Cover
Any pre-paid unused entertainment tickets to theme parks, performances, concerts and sports events are reimbursed if they are not used due to death, injury or illness. 

Golfer’s Cover
If you are hitting the green during your trip, we take care of the celebratory drinks when you score a hole-in-one.

*Cover and limits based on Premier Plan


Online  Simple to Buy

Getting travel insurance has never been easier! Buy online and receive your e-policy instantly.

24  24/7 Helpline

Our emergency hotline ensures there is always someone to connect you to medical care and evacuation, no matter which timezone you are in.

Claims  Claims Made Easy

Save time by submitting your travel insurance claim online! We keep our process as simple as possible to bring your claim to a fair settlement.

Plans

 Standard PlanElite PlanPremier Plan
CoverageIndividual
Cover
Adult & children/ Family cover (in total)
Individual
Cover
Adult & children/ Family cover (in total)
Individual
Cover
Adult & children/ Family cover (in total)

PERSONAL ACCIDENT COVER

SECTION 1

        

Accidental death and permanent total disability

        
  • Adult below 70 years

$150,000  $200,000  $500,000 
  • Adult 70 years and above

$50,000 $400,000 $75,000 $550,000 $100,000 $1,200,000
  • Child

$50,000  $75,000  $100,000 

SECTION 2

       

Public transport double cover

Death arising from public transportation** accident

       
  • Adult below 70 years

Not Covered $400,000  $1,000,000 
  • Adult 70 years and above

Not Covered Not Covered $1,100,000 Not Covered$2,400,000
  • Child

Not Covered $150,000  $200,000 

SECTION 3

        

Accident bereavement benefit

Bereavement expenses for death due to accident overseas

        
  • Adult

$3,000$6,000 $5,000$10,000 $8,000 $16,000
  • Child

$750 $1,250 $2,000

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 $5,000

MEDICAL & RELATED BENEFITS COVER

SECTION 6

        

Overseas medical expenses

        
  • Adult below 70 years

$250,000 $500,000 $1,000,000 
  • Adult 70 years and above

$50,000$700,000 $75,000$1,400,000 $100,000 $2,600,000
  • Child

$100,000 $200,000 $300,000

SECTION 7

        

Emergency dental expenses

        
  • Adult

$5,000$12,500 $6,000$15,000 $8,000$20,000
  • Child

$1,250 $1,500 $2,000

SECTION 8

        

Medical expenses in Singapore

Treatment within 72 hours after return to Singapore

        
  • Adult below 70 years

$25,000 $50,000 $75,000
  • Adult 70 years and above

$5,000$70,000 $7,500$140,000 $10,000$210,000
  • Child

$10,000 $20,000 $30,000

SECTION 9

       

Mobility aid reimbursement

        
  • Adult

Not Covered $3,000$6,000 $5,000$10,000
  • Child

Not Covered $750 $1,250

SECTION 10

        

Traditional Chinese medicine expenses

Treatment by TCM practitioner

         
  • Adult

$200$600 $400$1,300 $600$1,800
  • Child

$100 $250 $300

SECTION 11

        

Overseas hospitalisation daily benefit

Each day of hospitalisation abroad

         
  • Adult

$200 per day
Max $10,000
$30,000
$250 per day
Max $20,000
$65,000
$300 per day
Max $30,000
$90,000
  • Child

$100 per day
Max $5,000
$125 per day
Max $12,500
$150 per day
Max $15,000

SECTION 12

       

Overseas ICU hospitalisation daily benefit

Each day of hospitalisation abroad in intensive care unit (ICU)

        
  • Adult

Not Covered $350 per day
Max $3,500
$8,500
$400 per day
Max $4,000
$10,000
  • Child

Not Covered $50 per day
Max $750
$150 per day
Max $1,000

SECTION 13

        

Hospitalisation daily benefit after a journey

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
$50 per day
Max $250
$50 per day
Max $500

SECTION 14

     

Replacement employee

Travelling expenses for substitute employee to complete the official business

$5,000 $10,000 $15,000

SECTION 15

     

Emergency medical evacuation

24-hour worldwide emergency medical evacuation

$500,000 $1,000,000 $1,000,000

SECTION 16


Medical & travel assistance services

Available

SECTION 17

        

Sending you home after a medical emergency evacuation

Return of an insured person to Singapore following emergency medical evacuation and hospitalisation overseas

$50,000$125,000 $50,000$125,000 $50,000$125,000

SECTION 18

        

Sending home your mortal remains

Cost of transportation of mortal remains to Singapore

$50,000$125,000 $50,000$125,000 $50,000$125,000

SECTION 19

        

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 20

        

Child guard

A relative to travel to and accompany minor children back to Singapore

$5,000$12,500 $10,000$25,000 $15,000$37,500

SECTION 21

        

Emergency telephone charges

Reimburses emergency telephone charges incurred overseas

$100$250 $150$375 $250$625

TRAVEL INCONVENIENCE COVER

SECTION 22

        

Baggage

Personal baggage and personal effects
Limit: $500 per article, pair or set and $1,000 for one unit laptop computer

$3,000$6,000 $5,000$10,000 $7,500$15,000

SECTION 23

     

Wedding clothing and accessories

Bridal and ceremonial attire, wedding rings, jewellery and wedding accessories

Not Covered $2,500 $3,500

SECTION 24

        

Loss of documents and passport

Cost of replacing loss of travel documents and business records and samples

$2,000$4,000 $3,000$6,000 $5,000$10,000

SECTION 25

     

Domestic maid’s personal baggage

Domestic maid travelling on same journey

Not Covered $250 $500

SECTION 26

        

Delayed baggage

A lump sum payment for every 6 hours of baggage delay

$150
Max $600
$1,200
$250
Max $1,000
$2,000
$375
Max $1,500
$3,000

SECTION 27

        

Delayed departure

Public transport delay for every 6 hours due to riot, strike, industrial action, poor weather condition or natural disasters

$100
Max $500
$1,000
$100
Max $1,000
$2,000
$100
Max $1,500
$3,000

SECTION 28

        

Flight diversion

For every 6 hours delay due to natural disasters, poor weather condition, 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 29

        

Missed travel connection or overbooked flight

Missed travel connection and no onward travel connection available for more than 6 hours after an insured person's late arrival

$200
$1,000
$200
$1,000
$200
$1,000

SECTION 30

     

Personal money

Loss of cash and travellers cheques due to robbery, burglary or theft outside Singapore

$250 $500 $750

SECTION 31

        

Travel cancellation

  • Death, injury or 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 32

        

Travel postponement

  • Death, injury or 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

$500$1,250 $1,000$2,500 $1,500$3,750

SECTION 33

        

Insolvency of licensed travel operator

Pays for pre-paid travel fare and deposits in the event of bankruptcy of NATAS licensed tour agencies in Singapore

$5,000$10,000 $7,500$15,000 $10,000$20,000

SECTION 34

        

Shortening the Trip

  • Death, injury or 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 during the journey

$5,000$12,500 $10,000$25,000 $15,000$37,500

SECTION 35

        

Travel disruption

  • Death, injury or 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 during the journey

$1,000$2,500 $2,000$5,000 $3,000$7,500

SECTION 36

       

Loss of use of hotel facilities

Additional expenses for alternative accommodation in event of loss of booked accommodation due to fire, riot, strike, industrial action or natural disasters

Not Covered $200 per day
Max $2,000
$5,000
$300 per day
Max $3,000
$7,500

SECTION 37

        

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 38

        

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

SECTION 39

     

Rental vehicle excess

Reimburses the excess or deductible for accidental loss of or damage to a rental vehicle under car rental agreement

$500 $1,000 $1,500

SECTION 40

     

Returning a rental vehicle

Cost of returning rental vehicle due to accidental injury or illness of an insured person

$250 $500 $750

PERSONAL LIABILITY COVER

SECTION 41

     

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

SECTION 42

     

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 $2,500 $5,000

LIFESTYLE COVER

SECTION 43

     

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 44

     

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

SECTION 45

     

Credit card cover

Financial loss following fraudulent use of credit cards lost during the overseas travel

Not Covered $2,000 $3,000

SECTION 46

     

Credit card outstanding balance

Covers the outstanding balance of the insured person's credit card incurred up to the date of the accidental death of the insured person

Not Covered $2,000 $3,000

SECTION 47

     

Golfer’s cover

     
  • Unused green fee due to injury or illness

Not Covered $500 $750
  • Damage or loss of golf equipment (except while in use)

Not Covered $1,000 $1,500
  • Hole-in-one

Not Covered $500 $750

SECTION 48

     

Adventurous activities cover

Bungee jumping, sky diving, paragliding, hot air ballooning, jet skiing, white water rafting, diving and other activities listed in the policy

Not Covered Yes Yes

ADDITIONAL BENEFITS

SECTION 49

     

Automatic extension to the period of insurance

     
  • 14 days if due to public transport delay

Yes Yes Yes
  • 30 days if due to bodily injury or illness

Yes Yes Yes

SECTION 50

        

Terrorism cover
Acts of terrorism (excluding biological, chemical and nuclear devices) outside Singapore

        
  • Adult below 70 years

$150,000 $200,000 $500,000
  • Adult 70 years and above

$50,000$400,000 $75,000$550,000 $100,000$1,200,000
  • Child

$50,000 $75,000 $100,000

SECTION 51

        

Passive War

Applies to Section 1 only - Accidental death and permanent total disability

        
  • Adult below 70 years

$150,000 $200,000 $500,000
  • Adult 70 years and above

$50,000$400,000 $75,000$550,000 $100,000$1,200,000
  • Child

$50,000 $75,000 $100,000

SECTION 52

       

Unused entertainment ticket

Covers cost of pre-paid unused entertainment ticket to theme parks, performances, concerts and sports events due to death, injury or illness

Not Covered $300$600 $500$1,000

*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, tour coach or any mode of transportation chartered or arranged for the tour.

 Notes: 

  1. Adult (Individual) means a person age 18 years and above at the commencement of any trip.
  2. Child means a person who is aged above one month and below 18 years or up to 23 years of age if studying full time in a recognised institution of higher learning at the commencement of any trip.
  3. Adult & children means an adult travelling together with his or her biological or legally adopted children on the same journey for single trip travel.
  4. Family
    1. a) Under single trip plan means:
      1. i) Insured and his/her spouse or
      2. ii) Insured and his/her spouse and their biological or legally adopted children travelling together on the same journey.
    1. b) Under annual plan means:
      1. i) Insured and his/her spouse or
      2. ii) 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.

  1. 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.
  2. 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 aged 70, renewal is granted up to 80 years for the Standard Plan only.
  3. 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.
  4. Pre-existing medical conditions requiring treatment or consultation during the 12 months prior to the trip commencement are not covered.
  5. Travel must commence no later than 182 days from the date of application for single trip plans.
  6. All insured persons must be residing in Singapore.

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 visit MSIG, GIA or SDIC.

Premiums

 StandardElitePremier
PremiumsIndividualFamilyIndividualFamilyIndividualFamily

Area A

Brunei, Cambodia, Indonesia, Laos, East & West Malaysia, Myanmar, Philippines, Thailand & Vietnam

Single Trip-First 3 days

$31 $66 $39$88 $54$127

Single Trip-Daily Rate

$4 $8 $5$10 $6.50$14

Annual Plan

$210 $410 $285$525 $400$650

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

$35 $80 $48$112 $75$168

Single Trip-Daily Rate

$5 $9.50 $6.50$12.50 $8.50$17

Annual Plan

$255 $470 $330$600 $450$720

Area C

Worldwide including countries in Area A and Area B

Single Trip-First 3 days

$50 $125 $66$152 $92$207

Single Trip-Daily Rate

$6.50 $13 $7.50$17 $10.50$22.50

Annual Plan

$360 $600 $450$725 $600$900

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 to the Standard and Elite plans, single trip plans only. Group discount applies to group of 6 persons or more - refer table below.

No. of personGroup Discount

2 to 5 Insured Persons

NIL

6 to 10 Insured Persons

10%

11 to 20 Insured Persons

15%

Fax 6827 2708 or Email the completed TravelEasy Group Application Form to us.

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

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 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 country 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. What is the enhancement made to the "Child education grant" benefit?

The definition of child under this benefit has been expanded to cover your biological or legally adopted children aged above 1 month and below 18 years, or up to 23 years if studying full-time in a recognised institution of higher learning. This is an enhancement as the conditions of "school-going" and age of "above 6 years" no longer apply.


8. 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 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 60 days from the date you return to Singapore.


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

Public transport means licensed and paid scheduled service open to the public including licensed taxi service but not a rented vehicle, vehicle on hire, tour coach or any mode of transportation chartered or arranged for the tour.


10. Can I get TravelEasy for my child who is joining an exchange program or a school trip?

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


11. 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 6 persons or more and applies to single trip plans of the Standard and Elite plans only.


12. Does TravelEasy cover if the travel agency goes bankrupt?

We will cover all irrecoverable costs up to the plan limit if your NATAS licensed 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. 


13. If I postpone my trip due to a natural disaster at my travel destination but decide to cancel my trip subsequently, how do I make a claim under this situation?

The insurance covers both situations of postponement and cancellation of the trip. You can however, claim for either one of the benefit but not for both, if the claim is due to a same occurrence.


14. 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

 

Promotions

TEAPR2018Web

Cheers to worry-free holidays!

TravelEasy gives you the freedom to focus on creating beautiful memories for your travels. Let us cover you for the activities you love, protecting you and your loved ones with over 50 benefits.

Promotion ends on 1 Jul 2018.

Call our Customer Service Officers at 6827 2548 (Mon to Fri, 8:45am - 5:30pm) or email us for enquiries.

Promotion terms and conditions apply.

*Applies to Single Trip, online applications only. Minimum premium after discount is $25.

This promotion is not valid with any on-going or existing travel insurance promotions, discounts, offers, vouchers, rebates, privileges or Group Cover discount.

This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation. For more information on the scheme, please visit GIA or SDIC.

This is not a contract of insurance. The full terms, conditions and exclusions are set out in the TravelEasy Policy which will be issued upon MSIG Insurance (Singapore) Pte. Ltd.'s acceptance of your application.

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