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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.

Maternity-related Overseas Medical Expenses
Covers for medical expenses incurred overseas due to pregnancy-related illnesses such as nausea and giddiness. 

Replacement of Traveller
Pays for the charges incurred for change of traveller should the insured person suffer from serious injury, illness, death or that of their family member or travel companion 30 days prior to their trip. 

Emergency Medical Evacuation
Increased cover from $500,000 to $1,000,000 for the Standard Plan 

Insolvency of Licensed Travel Operator
List of travel operators expanded to include travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies). 

Delayed Departure
Pays for additional administrative and travel expenses incurred to book alternative transport to the same destination should there be delays to the public transport due to strike, riot, civil commotion, poor weather conditions, natural disasters, breakdown of public transport or closure of airport. 


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

        

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  $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$6,000 $5,000$10,000

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$800,000 $75,000$1,400,000 $100,000 $2,600,000
  • 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 $2,500 $3,750

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

$1,000
$2,000
$3,000
$6,000
$5,000
$10,000
  • Child

$250 $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

        

Maternity medical expenses overseas

Covers for incidental expenses incurred overseas for pregnancy-related illness

Not covered $2,000 $3,000

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

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
$200 per day
Max $2,000

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

SECTION 15


Medical & travel assistance services

Available

SECTION 16

     

Emergency medical evacuation and repatriation

(A) Emergency medical evacuation

(B) Sending you home after a medical emergency evacuation

(C) 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 to 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

SECTION 20

        

Insolvency of licensed travel operator

Pays for pre-paid travel fare and deposits in the event of bankruptcy or insolvency of a 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

  • 1. Death, injury or illness of insured person, family member or travel companion; or

  • 2. 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

  • 1. Death, injury or illness of insured person, family member or travel companion; or

  • 2. 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 subsititute 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 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 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

  • 1. Death, injury or illness of insured person, family member or travel companion; or

  • 2. 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

  • 1. Death, injury or illness of insured person, family member or travel companion; or

  • 2. 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 or 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 loss of 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 accidental death of the insured person

Not covered $2,000 $3,000

PERSONAL LIABILITY

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 

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  $10,000 

LIFESTYLE COVER

SECTION 41

     

Adventurous activities cover

Bungee jumping, sky diving, paragliding, hot-air ballooning, jet skiing, white-water rafting, diving, ice skating, tobagganing, 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

Not Covered $500 $750
  • Hole-in-one

Not Covered $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, injury or 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

SECTION 48

        

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

        
  • Adult below 70 years

$200,000 $300,000 $500,000
  • Adult 70 years and above

$200,000$800,000 $300,000$1,200,000 $500,000$2,000,000
  • 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

$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 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

*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: 

  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 below 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

$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 Areas 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 2 persons or more is available to the Standard and Elite plans, single trip plans only. Group discount applies to group of 2 persons or more - refer table below.

No. of personGroup Discount

2 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. 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 program or a 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 organizer.


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 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

 

Promotions

TEHero-17Sep18

Holidays are beautiful with TravelEasy!

Go on that exciting holiday knowing that you and your loved ones are well protected. TravelEasy, enhanced with more benefits and higher limits, lets you travel with ease and create more beautiful memories.

TE-Jul18-promo

Promotion ends on 19 Oct 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. 

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.

Compare

TravelEasyTravelEasy Pre-Ex

Maternity-related Overseas Medical Expenses

Covers for medical expenses incurred overseas due to pregnancy-related illnesses such as nausea and giddiness.

All Pre-Existing Medical Conditions

We cover for all types of pre-existing medical conditions from asthma to cancer or heart conditions as long as your illness is stable and under control. Answer a few simple health questions from us to find out if you qualify!

Replacement of Traveller

Pays for the charges incurred for change of traveller should the insured person suffer from serious injury, illness, death or that of their family member or travel companion 30 days prior to their trip.

Overseas Hospitalisation Expenses

In the event of hospitalisation overseas due to your acute onset of pre-existing medical condition, we cover medical, surgical, nursing or hospital charges up to $150,000* with no excess or co-payment required.

Emergency Medical Evacuation

Increased cover from $500,000 to $1,000,000 for the Standard Plan.

Emergency Medical Evacuation and Repatriation

This travel insurance plan provides one of the highest limit of up to $200,000* for medical evacuation and repatriation incurred due to pre-existing medical conditions.

Insolvency of Licensed Travel Operator

List of travel operators expanded to include travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies).

Comprehensive Cover

With over 51 benefits, TravelEasy Pre-Ex also covers you for claims not relating to your pre-existing medical conditions such as injury or illness sustained during the trip.

Delayed Departure

Pays for additional administrative and travel expenses incurred to book alternative transport to the same destination should there be delays to the public transport due to strike, riot, civil commotion, poor weather conditions, natural disasters, breakdown of public transport or closure of airport.

No Upper Age Limit

Whether you are 70 or 80, age is no barrier when you get travel insurance cover with our TravelEasy Pre-Ex!

*Cover and limits based on Premier Plan

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