MSIG TravelEasy Insurance Policy

MSIG Insurance (Singapore) Pte. Ltd.
4 Shenton Way, #21-01 SGX Centre 2

Singapore 068807
Tel +65 6827 7888 Fax +65 6827 7800
Co. Reg. No. 200412212G
www.msig.com.sg
TRAVELEASY MSIG ASSIST 24-HOUR EMERGENCY HOTLINE

INSURANCE POLICY +65 6323 8288
This is your TravelEasy insurance policy document. Please read it together with the Section 38 Kidnap and hostage 9
schedule, to make sure that you have the protection you need. Section 39 Rental vehicle excess 9
Section 40 Returning a rental vehicle 10
It is important that you read this policy document together with the schedule and any Section 41 Personal liability 10
amendment or endorsement issued to avoid any misunderstanding. Section 42 Legal expenses for wrongful arrest or detention 10
Section 43 Home contents 10
If there are any changes that may affect the insurance provided, please let us know Section 44 Domestic pets care 10
immediately. Section 45 Credit card cover 10
Section 46 Credit card outstanding balance 10
Section 47 Golfers cover 11
IMPORTANT NOTICE Section 48 Adventurous activities cover 11
The insurance cover provided to you under this policy is based on the information Section 49 Automatic extension to the period of insurance 11
you have given us. You must tell us all facts that you know or ought to know, or Section 50 Terrorism cover 11
you may not be covered under the policy. Section 51 Passive war 11
Section 52 Unused entertainment ticket 11
Exclusions Those events we do not insure under the policy 12
HOW YOUR INSURANCE OPERATES General conditions Your rights and our rights under the policy 13
Your policy is a contract between us and you, the insured person named in the Claim conditions Your rights and our rights in the event of a claim 14
schedule. The application form, declaration and any information you gave to us when
applying for the policy are the basis of this contract. Premium warranty Your responsibilities to pay the premium 14
Schedule of benefits Benefits summary 15
In return for you paying the premium, we will provide you with insurance cover as
described in the policy during the period of insurance or any subsequent period for
which you pay and we accept the premium. IMPORTANT CONDITIONS
(Conditions you must meet for this insurance to operate.)
OUR PROMISE OF SERVICE The insurance operates only if you meet all of the following conditions.
We want to provide you with a high standard of service and to meet any claims covered (a) The round trip must begin and end in Singapore and each trip must be for no more
by this policy honestly, fairly and promptly. If you have any reason to believe that we than 182 days, except for annual plan where each trip must not be for more than
have not done so, please contact your agent or broker. If you do not use the services of 90 days in a row.
a professional intermediary, please contact us directly. We are ready to help you with
your concerns. (b) The insured persons must be in good health and not travelling against the advice
of any medical practitioner or for the purpose of getting medical treatment.
Please read the policy carefully, keep it safe and take it with you if possible when you (c) At the time of arranging the trip or taking out this insurance, neither you nor any
travel. We suggest that you let your family members know about this insurance cover other insured person is aware of any circumstances which are likely to lead to a
as it would be helpful if you or they need to claim. claim under the policy.
(d) At the time you send us your application for this insurance, none of the intended
A GUIDE TO THE POLICY insured persons have already left Singapore on any trip meant to be covered by
this insurance.
Page
Important Your responsibilities under the policy 1 (e) Any insured child under the age of 12 years must be accompanied by a parent or
conditions adult guardian during the trip.
Definition of An explanation of words used in this policy which have 1 (f) If an insured person has ever been refused cover or had special terms placed on
words special meanings them by any insurer for travel insurance, they must declare this at the point of
application and we must accept them, or there will be no cover for them.
What you are The benefits
covered for
DEFINITION OF WORDS
Section 1 Accidental death and permanent total disability 2 (Applicable to the whole policy)
Section 2 Public transport double cover 2
Section 3 Accident bereavement benefit 3 Certain words have been defined below. These have the same meaning wherever they
Section 4 Child education grant 3 are used in the policy. They appear in bold print (for example, insured person).
Section 5 Family assistance benefit 3
Section 6 Overseas medical expenses 3 Accident
Section 7 Emergency dental expenses 3 An event which happens suddenly and gives rise to a result which the insured person
Section 8 Medical expenses in Singapore 3 did not intend or expect.
Section 9 Mobility aid reimbursement 3
Section 10 Traditional Chinese medicine expenses 4 Act of terrorism
Section 11 Overseas hospitalisation daily benefit 4 An act, including using force or violence, of any person or group of people, whether
Section 12 Overseas ICU hospitalisation daily benefit 4 acting alone or on behalf of or in connection with any organisation, committed for
Section 13 Hospitalisation daily benefit after a journey 4 political, religious or ideological purposes including the intention to influence any
Section 14 Replacement employee 4 government or to put the civilian population in fear for those purposes.
Section 15 Emergency medical evacuation 5
Section 16 Medical and travel assistance services 5 Adult
Section 17 Sending you home after a medical emergency evacuation 5 A person aged 18 years or above at the start of any trip.
Section 18 Sending home your mortal remains 5
Section 19 Compassionate and hospital visit 5 Child, children
Section 20 Child guard 5 A person who is aged over one month and below 18 years, or up to 23 years if studying
Section 21 Emergency telephone charges 6 full-time in a recognised institution of higher learning, at the start of any trip.
Section 22 Baggage 6
Section 23 Wedding clothing and accessories 6 Entertainment ticket
Section 24 Loss of documents and passport 6 A ticket granting admission to theme parks, musicals, plays, theatre or drama
Section 25 Domestic maids personal baggage 6 performances, concerts and sports events but excludes movie tickets.
Section 26 Delayed baggage 6
Section 27 Delayed departure 7 Insured, Policyholder, you, your
Section 28 Flight diversion 7 The person named as Insured or Policyholder in the schedule.
Section 29 Missed travel connection or overbooked flight 7
Section 30 Personal money 7 Insured person, insured persons
Section 31 Travel cancellation 7 The person or people described in the schedule, who live in Singapore for whom the
Section 32 Travel postponement 8 insurance is arranged. Children are not named in the schedule unless travelling on
Section 33 Insolvency of licensed travel operator 8 their own.
Section 34 Shortening the trip 8
Section 35 Travel disruption 9 We, us, our, the company
Section 36 Loss of use of hotel facilities 9 MSIG Insurance (Singapore) Pte. Ltd.
Section 37 Hijack of public transport 9
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Home Adult and children cover
Your residential address and the address of any insured person in Singapore. A policy issued to you for you and your biological or legally adopted children.
Hospital For single return trip travel, the insured persons must travel together on the same trip.
A lawful establishment set up to care for and treat sick and injured people, and which
has 24-hour nursing services provided by registered graduate nurses, one or more For an annual plan, the insured persons do not have to travel together on any trip.
medical practitioners available at all times and organised facilities for diagnosis and However, any insured child under the age of 12 years must be accompanied by a
major surgery. This must not be mainly a clinic, a place for alcoholics or drug addicts, parent or adult guardian for any trip made during the period of insurance. Only adult
a nursing, rest or convalescent home, home for the aged, or a similar establishment. insured person is named in the schedule.
Illness Family cover

Any sudden and unexpected deterioration of health of an insured person due to a A policy issued to you for the people named in the schedule as insured person who are
medical condition contracted, which began or developed during the journey outside travelling as a family. Only adult insured persons are named in the schedule.
Singapore, which needs treatment by a medical practitioner or TCM practitioner.
Family
Immediate family member (i) Under single return trip, means:
The legal husband or wife, parent, biological child, legally adopted child or brother or (a) you and your husband or wife travelling together on the same journey; or
sister of an insured person.
(b) you and your husband or wife and your biological or legally adopted children
Injury travelling together on the same journey.
Bodily injury to the insured person which happens during the journey, caused only (ii) Under annual plan, means:
and directly by an accident and not by sickness, disease or anything which happens
gradually which affects physical or mental health. (a) you and your husband or wife; or
(b) you and your husband or wife and your and biological or legally adopted
Journey / trip children
(i) If your policy is for a single return trip:
A journey / trip lasting no more than 182 days in a row during the period of For an annual plan for family cover, the insured persons do not have to travel together
insurance, beginning at the time the insured person leaves their home or on any trip. However, any insured child under the age of 12 years must be accompanied
workplace within Singapore for the purpose of travelling abroad and ending up to by a parent or adult guardian for any trip made during the period of insurance.
three hours after the insured person returns to Singapore or on the end date of
the period of insurance shown in the schedule, whichever is sooner. There must be no more than seven insured persons under the family or adult and
children cover.
(ii) If your policy is an annual plan:
A journey / trip lasting no more than 90 days in a row during the period of Group cover
insurance, beginning at the time the insured person leaves their home or (i) A policy issued to you taking out cover on behalf of two or more insured persons
workplace within Singapore for the purpose of travelling abroad and ending up to named in the schedule who are travelling as a group.
three hours after the insured person returns to Singapore or on the end date of (ii) For single return trip, the insured persons under a group cover must travel
the period of insurance shown in the schedule, whichever is sooner. together on the same journey.
Known event The Benefits
means riot, strike, civil commotion, natural disaster or situations which threaten your Depending on the terms, conditions and exclusions of this policy, we will pay as follows
health or disrupt your trip that were publicised or reported by the media or through for the period of insurance according to the type of cover you have chosen.
travel advice issued by an authority (local or foreign) before the policy was taken up or
before you made the booking for your trip (in the case of an annual plan).
SECTION 1 ACCIDENTAL DEATH AND PERMANENT TOTAL DISABILITY
Medical practitioner
A legally registered medical practitioner qualified to practise western medicine and We will pay the compensation for death or disability as described below if an insured
surgery in line with the laws of the country in which the practice is granted. The person suffers an injury during the journey which, within 12 calendar months of its
medical practitioner must not be an insured person, an insured persons husband or happening, is the only cause of the death or disability.
wife, travel companion, a business partner or an employer or employee or agent of an
insured person, or a person related to an insured person in any way. 1. Death
Natural disaster 2. Permanent total disability for which satisfactory proof has been
An event or force of nature that has catastrophic consequences, such as avalanche, given to us that the total disability has continued for 12 months
earthquake, flood, typhoon, hurricane, tornado, tsunami or volcanic eruption. from the date of the injury and will in all probability continue
for the rest of the insured persons life and prevent them from 100% of
carrying out any kind of business, profession or occupation. the limit of
Period of insurance benefit
The period of insurance shown in the schedule. 3. Total and permanent loss of sight in both eyes.
Public transport 4. Total loss of the limb at or above the wrist or ankle.
Any licensed and scheduled land, sea or air transport which has fixed and established 5. Total and permanent loss of use of an entire hand, arm, foot
routes and which any member of the public can join at a recognised stop and pay a or leg.
fare.
If the insured person suffers an injury that results in more than one of the results
Region of travel described in 1 to 5 above, the most we will pay is 100% of the limit of benefit.
Area A
Brunei, Cambodia, Indonesia, Laos, East and West Malaysia, Myanmar, Philippines, Limit of benefit we will pay
Thailand and Vietnam. This will depend on the type of cover as shown in the schedule.
Area B The most we will pay is:
Australia, China (not including Inner Mongolia and Tibet), Hong Kong, India, Japan,
Korea, Macau, New Zealand, Sri Lanka, Taiwan and including countries in Area A.
Premier Plan Elite Plan Standard Plan
Area C
Worldwide, including countries in Areas A and B. Insured person aged below 70 $500,000 $200,000 $150,000
Insured person aged 70 or
Schedule $100,000 $75,000 $50,000
above
The schedule containing details of you, any insured person, the type of cover you have
chosen and the period of insurance. The schedule forms part of the policy. Insured child $100,000 $75,000 $50,000
Total for adult and children
Serious injury / serious illness $1,200,000 $550,000 $400,000
cover or family cover
A critical or dangerous condition which, in the opinion of a medical practitioner, needs
urgent treatment to avoid death or serious impairment to a persons immediate or If a claim under Section 1 Personal accident and Section 2 Public transport double
long-term health. cover, results from the same cause or event, this policy will pay for the claim under
either section, but not both.
Travel companion
A person without whom the journey cannot begin or continue. What is not covered
Please see the section on exclusions.
Type of cover
The type of cover you chose when you applied for the insurance. SECTION 2 PUBLIC TRANSPORT DOUBLE COVER
(a) Standard Plan, Elite Plan or Premier Plan
(b) Individual cover, adult and children cover or family cover If you suffer an injury while travelling as a fare-paying passenger on board any public
transport outside Singapore during the journey which, within 12 calendar months of
(c) Group cover its happening, is the only cause of your death, the amount we will pay will be double
the limit of benefit for death provided under Section 1.
This will be shown in the schedule. Anyone aged 70 or over is eligible for single return
trip only. They can buy a yearly plan for the Standard Plan only as long as the insurance For the purpose of this section, public transport includes licensed taxi service but does
is taken out before age 70 and can be renewed up to age 80. not include rented vehicles, vehicles on hire, tour coaches or any method of transport
that is chartered or arranged for the tour.
Individual cover
A policy issued to you for the insured person named in the schedule.
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Limit of benefit we will pay Limit of benefit we will pay
This will depend on the type of cover as shown in the schedule. The overall limit under this section will depend on the type of cover as shown in the
schedule.
The most we will pay is:
Insured person aged below 70 $1,000,000 $400,000 Not covered
Insured person aged below 70 $1,000,000 $500,000 $250,000
Insured person aged 70 or above Not covered Not covered Not covered
Insured person aged 70 or above $100,000 $75,000 $50,000
Insured child $200,000 $150,000 Not covered
Insured child $300,000 $200,000 $100,000
Total for adult and children $2,400,000 $1,100,000 Not covered
cover or family cover Total for adult and children $2,600,000 $1,400,000 $700,000
The public transport double cover does not apply to the Standard Plan and to any
insured person aged 70 or above. The most we will pay under sections 6 to 10 in total, will not be more than the
maximum limit under this Section 6 Overseas medical expenses.
If a claim under Section 1 Personal accident and Section 2 Public transport double
cover, results from the same cause or event, this policy will pay for the claim under What is not covered
either section, but not both. Please see the section on exclusions.
What is not covered SECTION 7 EMERGENCY DENTAL EXPENSES

We will pay for the emergency dental treatment expenses which were paid outside
SECTION 3 - ACCIDENT BEREAVEMENT BENEFIT Singapore to replace healthy and natural teeth or a fractured jaw if a medical
practitioner decides this is necessary as a result of an injury suffered by the insured
If you suffer an injury during the journey outside Singapore which, within 12 calendar person during the journey.
months of its happening, is the only cause of your death, we will reimburse the
reasonable expenses paid for your funeral or burial. We will also pay for dental treatment expenses upon return to Singapore to replace
healthy and natural teeth or a fractured jaw if a medical practitioner decides this is
Limit of benefit we will pay necessary as a result of an injury suffered by the insured person during the journey
This will depend on the type of cover as shown in the schedule. outside Singapore, limited to 60 days after the insured person returns to Singapore.
The most we will pay is: If dental treatment is not first received outside Singapore, the insured person must
arrange for the first dental treatment in Singapore within 72 hours of their return to
Singapore.
Premier Plan $8,000 each insured person
$2,000 each insured child Limit of benefit we will pay
$16,000 in total for adult and children cover or family cover This will depend on the type of cover as shown in the schedule.
Elite Plan $5,000 each insured person
$1,250 each insured child The most we will pay is:
$10,000 in total for adult and children cover or family cover
Standard Plan $3,000 each insured person Premier Plan $8,000 each insured person
$750 each insured child $2,000 each insured child
$6,000 in total for adult and children cover or family cover $20,000 in total for adult and children cover or family cover
What is not covered
Please see the section on exclusions. Elite Plan $6,000 each insured person
$1,500 each insured child
SECTION 4 CHILD EDUCATION GRANT
If an adult insured person suffers an injury during the journey outside Singapore Standard Plan $5,000 each insured person
which, within 12 calendar months of its happening, is the only cause of their death, $1,250 each insured child
we will pay each of their biological children or legally adopted children, an amount as $12,500 in total for adult and children cover or family cover
shown below.
The most we will pay under sections 6 to 10 in total, will not be more than the
Limit of benefit we will pay maximum limit under Section 6 Overseas medical expenses.
This will depend on the type of cover as shown in the schedule.
What is not covered
Premier Plan We will pay $8,000 for each child and the most we will pay in
total is $32,000.
SECTION 8 MEDICAL EXPENSES IN SINGAPORE
Elite Plan We will pay $5,000 for each child and the most we will pay in
total is $20,000. If an insured person receives medical treatment during the journey outside Singapore
Standard Plan Not covered for an injury or illness suffered during the overseas journey, we will also pay for the
medical expenses which are a continuation in Singapore of the overseas medical
What is not covered treatment, limited to 60 days after the insured person returns to Singapore.
If medical treatment is not first received outside Singapore, the insured person
must arrange for medical treatment in Singapore within 72 hours of their return to
SECTION 5 FAMILY ASSISTANCE BENEFIT Singapore, before we will pay for further medical expenses, limited to 60 days after the
insured person returns to Singapore.
If an insured person suffers an injury during the journey outside Singapore which,
within 12 calendar months of its happening, is the only cause of their death, we will Limit of benefit we will pay
pay a lump-sum benefit shown below. This will depend on the type of cover as shown in the schedule.
Limit of benefit we will pay The most we will pay is:
Premier Plan $5,000
Insured person aged below 70 $75,000 $50,000 $25,000
Elite Plan $3,000
Insured person aged 70 or above $10,000 $7,500 $5,000
Standard Plan Not covered
Insured child $30,000 $20,000 $10,000
What is not covered Total for adult and children
Please see the section on exclusions. $210,000 $140,000 $70,000
SECTION 6 OVERSEAS MEDICAL EXPENSES The most we will pay under sections 6 to 10 in total, will not be more than the
maximum limit under Section 6 Overseas medical expenses.
We will pay the necessary medical, surgical, nursing or hospital charges you have to
pay outside Singapore which a medical practitioner says are necessary as a result of What is not covered
injury or illness suffered by the insured person during the journey. Please see the section on exclusions.
SECTION 9 MOBILITY AID REIMBURSEMENT

We will pay the necessary expenses for buying mobility aids (such as crutches,
wheelchair or walker) if a medical practitioner says this is necessary as a result of an
injury suffered by the insured person while abroad during a journey.
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Limit of benefit we will pay What is not covered
This will depend on the type of cover as shown in the schedule. Please see the section on exclusions.
The most we will pay is: SECTION 12 OVERSEAS ICU HOSPITALISATION DAILY BENEFIT
Premier Plan $5,000 each insured person We will pay the benefit for each complete 24-hour period of the insured persons stay
$1,250 each insured child in hospital in an Intensive Care Unit (ICU) outside Singapore due to an injury or illness
$10,000 in total for adult and children cover or family cover suffered during the overseas journey.
Elite Plan $3,000 each insured person For the purpose of this section, stay in hospital means the insured person stays in a
$750 each insured child registered hospital as a registered inpatient because of a medical need and on the
$6,000 in total for adult and children cover or family cover advice of a medical practitioner. A one-day stay means a continuous 24-hour period
Standard Plan Not covered for which the hospital makes a charge for room and board.
The most we will pay under sections 6 to 10 in total, will not be more than the Limit of benefit we will pay
maximum limit under Section 6 Overseas medical expenses. This will depend on the type of cover as shown in the schedule.
What is not covered

Please see the section on exclusions. Premier Plan We will pay $400 for each insured person and $150 for each
insured child for each full day stay in hospital in the ICU and the
SECTION 10 TRADITIONAL CHINESE MEDICINE EXPENSES most we will pay is:
$4,000 each insured person
We will pay the insured person the cost of traditional Chinese medical treatment by a $1,000 each insured child
traditional Chinese medicine (TCM) practitioner which is needed for injury and illness $10,000 in total for adult and children cover or family cover
suffered by the insured person during the journey overseas. Elite Plan We will pay $350 for each insured person and $50 for each
insured child for each full day stay in hospital in the ICU and the
We will further pay for medical treatment expenses by a TCM practitioner in Singapore most we will pay is:
which are a continuation of the overseas medical treatment, limited to 60 days after $3,500 each insured person
the insured person returns to Singapore. $750 each insured child
Where the traditional Chinese medical treatment is not first received outside
Singapore, an insured person must receive traditional Chinese medical treatment in Standard Plan Not covered
Singapore within 72 hours of their return to Singapore, before we will pay for these The benefit under this section is only for insured persons stay in hospital in an Intensive
expenses, limited to 60 days after the insured person returns to Singapore. Care Unit (ICU). During the period that insured person is paid under this section, no
benefit will be paid under Section 11 - Overseas hospitalisation daily benefit.
A traditional Chinese medicine (TCM) practitioner refers to a legally licensed medical
practitioner, including acupuncturists and bonesetters, who is qualified to practise What is not covered
traditional Chinese medicine in line with the laws which apply in the country in which Please see the section on exclusions.
the practice is granted. The TCM practitioner must not be an insured person, an
insured persons husband or wife, a business partner or an employer or employee
or agent of an insured person, or a person related to an insured person in any way. SECTION 13 HOSPITALISATION DAILY BENEFIT AFTER A JOURNEY
Limit of benefit we will pay We will pay the benefit for each complete 24-hour period of the insured persons stay
This will depend on the type of cover as shown in the schedule. in hospital if the insured person is hospitalised within 24 hours after they return to
Singapore due to an injury or illness suffered during the overseas journey.
For the purpose of this section, stay in hospital means the insured person stays in a
registered hospital as a registered inpatient because of a medical need and on the
Premier Plan $600 each insured person advice of a medical practitioner. A one-day stay means a continuous 24-hour period
$300 each insured child for which the hospital makes a charge for room and board.
Elite Plan $400 each insured person Limit of benefit we will pay
$250 each insured child This will depend on the type of cover as shown in the schedule.
Standard Plan $200 each insured person Premier Plan We will pay $100 for each insured person and $50 for each
$100 each insured child insured child for each full day stay in hospital and the most we
$600 in total for adult and children cover or family cover will pay is:
What is not covered $500 each insured child
Please see the section on exclusions. $5,000 in total for adult and children cover or family cover
Elite Plan We will pay $100 for each insured person and $50 for each
The most we will pay under sections 6 to 10 in total, will not be more than the insured child for each full day they stay in hospital and the most
maximum limit under Section 6 Overseas medical expenses. we will pay is:
SECTION 11 OVERSEAS HOSPITALISATION DAILY BENEFIT $250 each insured child
We will pay the benefit for each complete 24-hour period of the insured persons stay
in hospital outside Singapore due to an injury or illness suffered during the overseas Standard Plan We will pay $100 for each insured person and $50 for each
journey. insured child for each full day they stay in hospital and the most
we will pay is:
For the purpose of this section, stay in hospital means the insured person stays in a $500 each insured person
registered hospital as a registered inpatient because of a medical need and on the $150 each insured child
advice of a medical practitioner. A one-day stay means a continuous 24-hour period $1,300 in total for adult and children cover or family cover
for which the hospital makes a charge for room and board. What is not covered
Limit of benefit we will pay
SECTION 14 REPLACEMENT EMPLOYEE (THIS APPLIES TO
Premier Plan We will pay $300 for each insured person and $150 for each insured BUSINESS TRAVEL ONLY)
child for each full day stay in hospital and the most we will pay is:
$30,000 each insured person If an adult insured person suffers an injury or contracts an illness or dies following an
$15,000 each insured child injury or illness while abroad during a business trip, we will pay replacement expenses
$90,000 in total for adult and children cover or family cover to send someone to replace them.
Elite Plan We will pay $250 for each insured person and $125 for each Limit of benefit we will pay
insured child for each full day they stay in hospital and the most This will depend on the type of cover as shown in the schedule.
we will pay is:
$20,000 each insured person The most we will pay is:
Premier Plan $15,000
Standard Plan We will pay $200 for each insured person and $100 for each
insured child for each full day they stay in hospital and the most Elite Plan $10,000
we will pay is: Standard Plan $5,000
The benefit under this section is only for insured persons stay in hospital in a normal
ward. During the period that insured person is paid under this section, no benefit will
be paid under Section 12 - Overseas ICU hospitalisation daily benefit.
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Replacement expenses means all reasonable and necessary expenses paid in sending 2. Travel assistance services
a substitute employee to complete the part of the original insured persons journey (a) Referral to an embassy or interpreter
which relates to their official business or that of their employer. These expenses will (b) Lost luggage assistance
be limited to an economy return air flight and other essential travelling expenses the
substitute employee has to pay for travelling to the location at which the original (c) Lost travel document assistance
adult insured person suffered an injury or contracted an illness resulting in them (d) Legal referral
being totally disabled and unable to complete the journey. The condition must have (e) Emergency message transmission
lasted, or is likely to last, for more than seven days as confirmed in writing by a medical (f) Children escort assistance
practitioner, or the person has died after an injury or illness.
What is not covered
What is not covered Please see the section on terms and limits which applies to sections 15 to 21.
SECTION 17 SENDING YOU HOME AFTER A MEDICAL EMERGENCY
TERMS AND LIMITS WHICH APPLY TO SECTIONS 15 TO 21. EVACUATION
We arrange the worldwide travel and medical assistance services appearing in Following the emergency medical evacuation referred to in section 15 above and
sections 15 to 21 through our appointed assistance company to help the insured if we feel it is medically necessary, we will arrange and pay for the insured person
person in any emergency during their journey outside Singapore. The MSIG Assist to be taken back to Singapore by scheduled airline flight (on economy class) or any
24-hour hotline is +65 6323 8288. other appropriate method of transport, including any extra costs of transportation to
and from the airport, if their original ticket is not valid for the purpose. However, the
The insured person and people acting on their behalf will always have to identify insured person must give any unused portion of their ticket to us.
themselves by their full names and policy number.
The maximum limit for all services and benefits under sections 15, 17 to 21 will not This will depend on the type of cover as shown in the schedule.
be more than the following total limit for any one journey, no matter how many
events are involved. The most we will pay is:
Premier Plan $1,000,000
Elite Plan $1,000,000 $125,000 in total for adult and children cover or family cover
Standard Plan $500,000 Elite Plan $50,000 each insured person
The services are provided on a worldwide basis. However, we and our appointed $125,000 in total for adult and children cover or family cover
assistance company will not have to provide these services to insured persons in Standard Plan $50,000 each insured person
areas which make it impossible or not reasonably practical to provide them. $125,000 in total for adult and children cover or family cover
We and our appointed assistance company cannot be held responsible for failure What is not covered
to provide services or for delays caused by conditions beyond our control. This Please see the section on terms and limits which apply to sections 15 to 21 and the
includes, but is not limited to, strikes, or where local laws or regulatory agencies section on exclusions.
prevent us and our appointed assistance company, the professionals or other
people such as doctors, hospitals and clinics to who the insured person is being
referred, from providing help. These doctors, hospitals and clinics would be acting SECTION 18 SENDING HOME YOUR MORTAL REMAINS
as our independent contractors.
If an insured person passes away outside Singapore resulting from an injury or illness
We may at any time commence legal proceedings in your name or the name of the suffered during the journey overseas, we will make all the necessary arrangements
insured person to recover compensation from anyone else who are legally liable (including any procedures or arrangements needed to meet local formalities) for
for any loss or injury or illness giving rise to providing services under sections 15 sending the insured persons body or ashes to the insured persons home in Singapore.
to 21. We will pay any costs involved in such proceedings and it will not affect the
benefits under sections 15 to 21. Limit of benefit we will pay
What is not covered
We will not be legally responsible for: The most we will pay is:
(a) any expenses for services we have not arranged or approved; and
(b) all circumstances described under the exclusions of this policy. Premier Plan $50,000 each insured person
SECTION 15 EMERGENCY MEDICAL EVACUATION $125,000 in total for adult and children cover or family cover
Standard Plan $50,000 each insured person
If an insured person suffers an injury or illness during the journey outside Singapore $125,000 in total for adult and children cover or family cover
which results in a serious medical condition, we will organise air, land or sea transport,
medical care during transportation, communications and all other usual services made What is not covered
available to us which are needed when moving the insured person to the nearest Please see the section on terms and limits which apply to sections 15 to 21 and the
hospital where appropriate medical care is available. section on exclusions.
Serious medical condition means a condition which, in our opinion, needs urgent
treatment to avoid death or serious impairment to the insured persons immediate SECTION 19 COMPASSIONATE AND HOSPITAL VISIT
or long-term health.
If an insured person has to stay in hospital outside Singapore as a result of an injury
We will decide the place to which the insured person will be sent and the method by or illness for more than five days and no adult member of the insured persons family
which the evacuation will be carried out, taking account of all the assessed facts and is with them, we will pay for the reasonable travel (economy air travel, first-class rail
circumstances which we are aware of at the relevant time. travel) and hotel accommodation expenses for one of the insured persons immediate
family member who, on the written advice of a medical practitioner, is needed to
Limit of benefit we will pay travel from Singapore to be with the insured person until they are able to resume
This will depend on the type of cover as shown in the schedule. their journey or return to Singapore, whichever happens first. The benefit also applies
if an insured person passes away as a result of an injury or illness during the journey
The most we will pay for any one journey no matter how many events are involved is: outside Singapore.

Premier Plan $1,000,000 This will depend on the type of cover as shown in the schedule.
Elite Plan $1,000,000 The most we will pay is:
Standard Plan $500,000
What is not covered Premier Plan $15,000 each insured person
Please see the section on terms and limits which applies to sections 15 to 21 and the $37,500 in total for adult and children cover or family cover
section on exclusions. Elite Plan $10,000 each insured person
SECTION 16 MEDICAL AND TRAVEL ASSISTANCE SERVICES Standard Plan $5,000 each insured person
The following medical and travel assistance services are available to you and provided
by our appointed assistance company. What is not covered
Please see the section on terms and limits which apply to sections 15 to 21 and the
You will have to pay all costs and expenses for the services listed below, including section on exclusions.
telecommunication charges.
1. Medical assistance services

SECTION 20 CHILD GUARD
(a) Medical advice provided over the phone If an adult insured person has to stay in hospital during the journey outside Singapore
(b) Referral to a medical service provider as a result of an injury or illness and there is no other adult to accompany the children
(c) Arranging a hospital admission who are on the same journey, we will pay for the reasonable travel (economy air
(d) Guarantee of medical expenses paid during a stay in hospital travel, first-class rail travel) and hotel accommodation expenses for one family member
or relative to travel overseas to accompany the children back to Singapore.
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Limit of benefit we will pay The most we will pay for any single item, pair or set of items is $750 or up to 40% of the
This will depend on the type of cover as shown in the schedule. limit for this section for the wedding rings and jewellery.
The most we will pay is: The benefits under this section do not apply to an insured child.
Definitions applying to section 23

$37,500 in total for adult and children cover or family cover Bridal clothing means clothing and accessories of a formal nature worn or to be worn
Elite Plan $10,000 each insured person by the bride at the overseas wedding ceremony or reception venue, or overseas
$25,000 in total for adult and children cover or family cover wedding photoshoot venue, whether hired, on loan or owned.
Standard Plan $5,000 each insured person Ceremonial clothing means clothing and accessories of the groom at the overseas
$12,500 in total for adult and children cover or family cover wedding ceremony or reception venue, or overseas wedding photoshoot venue
whether hired, on loan or owned.
What is not covered
Please see the section on terms and limits which apply to sections 15 to 21 and the Wedding rings means the rings exchanged or to be exchanged by the bride and groom
section on exclusions. at the overseas wedding ceremony venue.
SECTION 21 EMERGENCY TELEPHONE CHARGES Limit of benefit we will pay

We will refund the insured person the actual telephone charges for using a personal
mobile phone to contact our appointed assistance company, during a medical emergency The most we will pay is:
and for which a medical claim has been made under sections 6, 7 or 10. We will also
refund the cost of prepaid phone cards for this purpose, up to a limit of $10 in total.
Limit of benefit we will pay Elite Plan $2,500 each insured person
The most we will pay under sections 22 to 24 will be added together and will not be
more than the maximum limit which applies under Section 22 Baggage.
Premier Plan $250 each insured person
$625 in total for adult and children cover or family cover If a claim under this Section 23 Wedding clothing and accessories and Section 22
Baggage results from the same event, we will pay for the claim under Section 23
Elite Plan $150 each insured person Wedding clothing and accessories.
$375 in total for adult and children cover or family cover
Standard Plan $100 each insured person What is not covered
$250 in total for adult and children cover or family cover Please see the section on exclusions.
What is not covered SECTION 24 LOSS OF DOCUMENTS AND PASSPORTS

Calls made using any fixed telephone line or LAN line or public telephone using an
international calling card (ICC). Please see the section on exclusions. We will pay for the cost of getting replacement passports, travel tickets and other
relevant travel documents, including the cost of replacing or restoring business records or
Please also see the section on terms and limits which applies to sections 15 to 21. samples as a result of accidental loss or damage during the journey. We will also pay the
reasonable and extra travel and accommodation expenses which are needed to replace
SECTION 22 BAGGAGE lost travel documents and business records or samples, if the loss arises out of a robbery,
burglary or theft while the insured person is outside Singapore during the journey.
We will pay for accidental loss of or damage, occurring during the journey outside
Singapore, to personal baggage, including clothing and personal belongings worn The loss must be reported to the local police at the place where the loss happened,
or carried on the insured person, trunks, suitcases and similar bags and one laptop no more than 24 hours after the incident. Any claim must be accompanied by written
computer and mobile device, taken or owned by an insured person. documents from the police.
We may choose to pay or repair any damaged item after taking into account wear and Limit of benefit we will pay
tear and market value. We may not consider any loss in market value for electronic This will depend on the type of cover as shown in the schedule.
items bought within one year before the date of the accident if the insured person can
produce evidence (for example, original receipts). The most we will pay is:
If any item is proven to be beyond economical repair, we will deal with a claim under
this section as if the item has been lost. Premier Plan $5,000 each insured person
Laptop computer means laptop or notebook, which is a mobile computer that comes Elite Plan $3,000 each insured person
with a full-sized keyboard and a flip-up monitor with at least 12-inch screen. $6,000 in total for adult and children cover or family cover
Mobile device refers to handheld devices like mobile phones, tablets, phablets, Standard Plan $2,000 each insured person
netbooks, personal digital assistants and similar equipment, excluding laptop $4,000 in total for adult and children cover or family cover
computer.
The most we will pay for any single item, or pair or set of items is $500 but up to $1,000 maximum limit under Section 22 Baggage.
for a laptop computer.
What is not covered
Limit of benefit we will pay Please see the section on exclusions.
SECTION 25 DOMESTIC MAIDS PERSONAL BAGGAGE
We will pay for accidental loss of or damage, which happens during the journey, to
personal baggage including clothing, personal belongings and suitcases owned by a
Premier Plan $7,500 each insured person domestic maid travelling with the adult insured person (who is the maids employer)
$15,000 in total for adult and children cover or family cover on the same journey.
$10,000 in total for adult and children cover or family cover Limit of benefit we will pay
$6,000 in total for adult and children cover or family cover The most we will pay is:
maximum limit under this Section 22 Baggage. Premier Plan $500
If a claim under this Section 22 Baggage and Section 47 Golfers cover results from Elite Plan $250
the same event, we will pay for the claim under Section 47 Golfers cover. Standard Plan Not covered
If a claim under this Section 22 Baggage and Section 23 Wedding clothing and What is not covered
accessories results from the same event, we will pay for the claim under Section 23 Please see the section on exclusions.
Wedding clothing and accessories.
What is not covered

SECTION 26 DELAYED BAGGAGE
Please see the section on exclusions. If the insured persons checked-in baggage is temporarily lost during the journey or
misdirected by the carrier and not given back to the insured person within six hours
SECTION 23 WEDDING CLOTHING AND ACCESSORIES after their arrival at the baggage pick-up point of the scheduled overseas destination
or in Singapore, we will pay for every full six hours of delay.
We will pay for accidental loss of or damage, which happens during the journey, to
the bridal clothing and ceremonial clothing, wedding rings, jewellery and wedding To avoid any doubt, we will pay based on each claim and not on each piece of delayed
accessories owned by or hired or on loan to the adult insured person. baggage.
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We will deduct payment from the amount we will pay under Section 22 Baggage if If a claim under Section 27 Delayed departure, Section 28 Flight diversion, Section
the baggage later proves to be permanently lost. 29 Missed travel connection or overbooked flight and Section 37 Hijack of public
transport, results from the same event, we will pay for the claim under one of the
To qualify for payment, the insured person must get written confirmation from the sections only.
carrier, operator or their handling agents stating the reason and length of delay.
What is not covered
Limit of benefit we will pay Please see the section on exclusions.
SECTION 29 MISSED TRAVEL CONNECTION OR OVERBOOKED
The most we will pay is: FLIGHT
If the insured person misses their confirmed onward travel connection during the
Premier Plan $375 for each insured person for every full six hours of delay journey while outside Singapore at the transfer point due to overbooking or the late
and the most we will pay is: arrival of the insured persons incoming, confirmed connecting scheduled transport
$1,500 each insured person and no onward transportation is available to the insured person within six hours on
$3,000 in total for adult and children cover or family cover the insured persons arrival, we will pay the limit of benefit shown below. You must
Elite Plan $250 for each insured person for every full six hours of delay provide written confirmation from the insured persons carrier, operator or handling
and the most we will pay is: agent stating the reasons and length of delay.
Standard Plan $150 for each insured person for every full six hours of delay
and the most we will pay is: The most we will pay is:
$600 each insured person
Premier Plan $200 each insured person
What is not covered $1,000 in total for adult and children cover or family cover
Elite Plan $200 each insured person
SECTION 27 DELAYED DEPARTURE
Standard Plan $200 each insured person
We will pay $100 to each insured person for every full six hours of delay, if the public $1,000 in total for adult and children cover or family cover
transport in which the insured person is booked to travel is delayed from departing
from the time given by the carrier due to: If a claim under Section 27 Delayed departure, Section 28 Flight diversion, Section
29 Missed travel connection or overbooked flight and Section 37 Hijack of public
1. strike or other industrial action; transport, results from the same event, we will pay for the claim under one of the
sections only.
2. riot;
3. civil commotion but not an uprising, military action or usurped power; What is not covered
4. poor weather conditions; Please see the section on exclusions.
5. natural disasters;
SECTION 30 PERSONAL MONEY
6. the mechanical breakdown of the public transport or it not working properly; or
7. closure of airport or airspace. We will pay for loss of an insured persons cash, banknotes or travellers cheques
carried for social and domestic purposes arising out of robbery, burglary or theft while
To qualify for this benefit, the insured person must have checked-in in line with the the insured person is outside Singapore during the journey. The loss must be reported
original itinerary and received written confirmation from the carrier or their handling to the local police at the place of the loss no more than 24 hours after the incident. Any
agents stating the reason and length of delay. claim must be accompanied by written documents from the police.
Limit of benefit we will pay Limit of benefit we will pay

This will depend on the type of cover as shown in the schedule. This will depend on the type of cover as shown in the schedule.
The most we will pay is: The most we will pay is:
Premier Plan $1,500 each insured person Premier Plan $750 each insured person
$3,000 in total for adult and children cover or family cover $750 in total for adult and children cover or family cover
Elite Plan $1,000 each insured person Elite Plan $500 each insured person
Standard Plan $500 each insured person Standard Plan $250 each insured person
If a claim under Section 27 Delayed departure, Section 28 Flight diversion and What is not covered
Section 29 Missed travel connection or overbooked flight and Section 37 Hijack of Please see the section on exclusions.
public transport, results from the same event, we will pay for the claim under one of
the sections only. SECTION 31 TRAVEL CANCELLATION
What is not covered We will pay for the unused travel fare, accommodation charges and deposits the
Please see the section on exclusions. insured person has paid or payments which the insured person legally has to pay and
which cannot be recovered from any other source, if the journey is unexpectedly and
SECTION 28 FLIGHT DIVERSION unavoidably cancelled due to any of the following reasons which take place within 30
days before the start of the journey but after the date of arranging this insurance and
We will pay $100 for every six hours of delay if, while travelling on a scheduled flight, the journey.
the insured persons flight is diverted due to:
1. Death, serious injury or serious illness of the insured person or their husband or
1. poor weather conditions; wife, parent, parent-in-law, grandparent, grandparent-in-law, great-grandparent,
2. natural disasters; great-grandparent-in-law, child or their husband or wife, grandchild, great-
3. emergency medical treatment for a fellow passenger; or grandchild, brother, brother-in-law, sister, sister-in-law or travel companion as
long as we receive written confirmation of the nature of the serious injury or
4. the mechanical breakdown of the aircraft; and serious illness from a medical practitioner.
this prevents the insured person from continuing their journey and they are delayed 2. Compulsory quarantine of the insured person or their travel companion ordered
from arriving at their planned destination. by a government or local authority.
You will need to provide written confirmation from the insured persons carrier, 3. The insured person or their travel companion being called as a witness in the
operator or handling agent stating the reasons and length of delay. court of law in Singapore.
Limit of benefit we will pay 4. The insured persons home or place of business in Singapore being unfit to live in
This will depend on the type of cover as shown in the schedule. or being seriously damaged following a burglary, fire, flood, typhoon, earthquake
or landslip which means the insured person has to stay in Singapore.
5. An unexpected strike, industrial action, riot, civil commotion (but not an uprising,
military or usurped power) at the planned overseas destination which prevent the
Premier Plan $1,500 each insured person insured person from beginning the scheduled journey.
Elite Plan $1,000 each insured person 6. Natural disasters which happen at the planned overseas destination which
$2,000 in total for adult and children cover or family cover prevent the insured person from beginning the scheduled journey.
Standard Plan $500 each insured person 7. Epidemic or pandemic at the planned overseas destination as declared by the
$1,000 in total for adult and children cover or family cover World Health Organisation.
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8. Closing of airport or airspace that prevents the insured person from beginning the Cover applies as long as the event takes place before the start of the journey but after
scheduled journey. the date of arranging this insurance and the journey and the travel fares or deposits
cannot be recovered from any other source. The insurance must be bought more than
Limit of benefit we will pay three days before the start of the journey.
The most we will pay is: This will depend on the type of cover as shown in the schedule.

Elite Plan $10,000 each insured person $20,000 in total for adult and children cover or family cover
Standard Plan $5,000 each insured person $15,000 in total for adult and children cover or family cover
In a single return trip policy, once an insured person cancels the trip and a claim is $10,000 in total for adult and children cover or family cover
made for travel cancellation under Section 31 Travel cancellation, the policy will
immediately end when the trip is cancelled. To avoid any doubt, the policy will continue In a single return trip policy, once the trip is cancelled and an insured person makes
to be in force for the other insured persons who continue with the trip. a claim under this Section 33 Insolvency, the policy will immediately end when the
trip is cancelled.
If you make a claim under Section 31 Travel cancellation, Section 32 Travel
postponement or Section 33 Insolvency of licensed travel operator results from the If a claim under Section 31 Travel cancellation, Section 32 Travel postponement or
same event, we will pay for the claim under one of the sections only. Section 33 Insolvency of licensed travel operator results from the same event, we will
pay for the claim under one of the sections only.
What is not covered
Please see the section on exclusions. What is not covered
SECTION 32 TRAVEL POSTPONEMENT
SECTION 34 SHORTENING THE TRIP
We will pay for the reasonable administrative charges (by the travel agent, tour
operator, transport operator or accommodation provider) which the insured person If the journey is unexpectedly and unavoidably cut short or abandoned after it begins
legally has to pay and which you cannot recover from any other source, to reschedule due to any of the following reasons 1 to 8 below which take place during the journey,
the journey if the journey is unexpectedly and unavoidably postponed due to any of we will pay for:
the following reasons which happen within 30 days before the start of the journey but (a) the unused travel fare, accommodation charges and deposits the insured person
after the date of arranging this insurance and the journey. has paid or payments which the insured person legally has to pay and which
cannot be recovered from any other source; and
wife, parent, parent-in-law, grandparent, grandparent-in-law, great-grandparent, (b) the reasonable extra travel and accommodation expenses which need to be paid
great-grandparent-in-law, child or their husband or wife, grandchild, great- for a direct trip home.
grandchild, brother, brother-in-law, sister, sister-in-law or travel companion. We
must receive written confirmation of the nature of the serious injury or serious 1. Death, serious injury or serious illness of the insured person or their husband or
illness from a medical practitioner. wife, parent, parent-in-law, grandparent, grandparent-in-law, great-grandparent,
great-grandparent-in-law, child or their husband or wife, grandchild, great-
2. Compulsory quarantine of the insured person or their travel companion ordered grandchild, brother, brother-in-law, sister, sister-in-law or travel companion. We
by a government or local authority. must receive written confirmation of the nature of the serious injury or serious
illness from a medical practitioner.
3. The insured person or their travel companion being called as a witness in a court
of law in Singapore. 2. Compulsory quarantine of the insured person or their travel companion ordered
by a government or local authority.
4. The insured persons home or place of business in Singapore becoming
uninhabitable or being seriously damaged following a burglary, fire, flood, 3. The insured person or their travel companion being called as a witness in a court
typhoon, earthquake or landslip which means the insured person has to stay in of law in Singapore.
Singapore.
4. The insured persons home or place of business in Singapore becoming
5. An unexpected strike, industrial action, riot, civil commotion (but not an uprising, uninhabitable or being seriously damaged following a burglary, fire, flood,
military action or usurped power) at the planned overseas destination, which typhoon, earthquake or landslip which means the insured person has to return to
prevents the insured person from beginning the scheduled journey. Singapore.
6. Natural disasters which happen at the planned overseas destination, which 5. An unexpected strike, industrial action, riot, civil commotion (but not an uprising,
prevent the insured person from beginning the scheduled journey. military action or usurped power) at the planned overseas destination, which
prevents the insured person from continuing the scheduled journey.
7. Epidemic or pandemic at the planned overseas destination as declared by the
World Health Organisation. 6. Natural disasters which happen at the planned overseas destination which
prevent the insured person from continuing the scheduled journey.
8. Closing of airport or airspace that prevents the insured person from beginning the
scheduled journey. 7. Epidemic or pandemic at the planned overseas destination as declared by the
World Health Organisation.
This will depend on the type of cover as shown in the schedule. 8. Closing of airport or airspace that prevents the insured person from continuing
with the scheduled journey.
Shortening the trip means returning home before the scheduled return date, in which
case you have to pay the part of the non-refundable, pre-paid charges. These expenses
Premier Plan $1,500 each insured person are recoverable only if the insured person cannot use the return ticket and is not able
$3,750 in total for adult and children cover or family cover to recover them under another section of this policy.
Standard Plan $500 each insured person
In a single return trip policy, once an insured person postpones the trip and a claim
is made for travel postponement under Section 32 Travel postponement, the policy Premier Plan $15,000 each insured person
will immediately end when the trip is postponed. To avoid any doubt, the policy will $37,500 in total for adult and children cover or family cover
continue to be in force for the other insured persons who continue with the trip. Elite Plan $10,000 each insured person
If you make a claim under Section 31 Travel cancellation, Section 32 Travel
postponement or Section 33 Insolvency of licensed travel operator results from the Standard Plan $5,000 each insured person
same event, we will pay for the claim under one of the sections only. $12,500 in total for adult and children cover or family cover
What is not covered If a claim under Section 34 Shortening the trip, Section 35 Travel disruption or
Please see the section on exclusions. Section 36 Loss of use of hotel facilities results from the same event, we will pay for
the claim under one of the sections only.
SECTION 33 INSOLVENCY OF LICENSED TRAVEL OPERATOR What is not covered
We will pay for the loss of travel fares or travel deposits paid by you or which you
cannot recover from elsewhere, for the journey being cancelled before the start of
the journey due to bankruptcy or insolvency of a NATAS (National Association of Travel
Agent Singapore) registered travel agency licensed and operating in Singapore from
which the insured person bought the trip.
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SECTION 35 TRAVEL DISRUPTION Limit of benefit we will pay
We will pay for the reasonable extra travel (on economy class) and accommodation
expenses which the insured person has to pay which you cannot recover from any
other source, if the insured person is forced to change any part of the journey while Premier Plan $300 for each insured person for every full six hours and the
overseas due to any of the following reasons. most we will pay is:
wife, parent, parent-in-law, grandparent, grandparent-in-law, great-grandparent, Elite Plan $200 for each insured person for every full six hours and the
great-grandparent-in-law, child or their husband or wife, grandchild, great- most we will pay is:
grandchild, brother, brother-in-law, sister, sister-in-law or travel companion. We $4,000 each insured person
must receive written confirmation of the nature of the serious injury or serious $10,000 in total for adult and children cover or family cover
illness from a medical practitioner. Standard Plan $100 for each insured person for every full six hours of delay
and the most we will pay is:
2. Compulsory quarantine of the insured person or their travel companion ordered $2,000 each insured person
by a government or local authority. $5,000 in total for adult and children cover or family cover
3. An unexpected strike, industrial action, riot, civil commotion (but not an uprising, If a claim under Section 27 Delayed departure, Section 28 Flight diversion, Section
military action or usurped power) at the planned overseas destination, which 29 Missed travel connection or overbooked flight or Section 37 Hijack of public
prevents the insured person from continuing the scheduled journey. transport results from the same event, we will pay for the claim under one of the
sections only.
4. Natural disasters which happen at the planned overseas destination, which What is not covered
prevent the insured person from continuing the scheduled journey. Please see the section on exclusions.
5. Epidemic or pandemic at the planned overseas destination as declared by the
World Health Organisation. SECTION 38 KIDNAP AND HOSTAGE
If the insured person is kidnapped or wrongly held, abducted or restrained by a
6. Closing of airport or airspace that prevents the insured person from continuing criminal, we will pay the benefit for every six hours this happens during the journey
with the scheduled journey. while outside Singapore. For the purpose of this section, the kidnap cannot be
committed by any insured person or their family member, travel companion or close
Limit of benefit we will pay business associate whether acting alone or with others.
The kidnap must have actually taken place and been reported to the local police at
The most we will pay is: the place of the event within 24 hours of the incident ending. Any claim must be
accompanied by written documents from the police.
Premier Plan $300 for each insured person for every full six hours and the
Standard Plan $1,000 each insured person most we will pay is:
$2,500 in total for adult and children cover or family cover $6,000 each insured person
If a claim under Section 34 Shortening the trip, Section 35 Travel disruption or $15,000 in total for adult and children cover or family cover
Section 36 Loss of use of hotel facilities results from the same event, we will pay for Elite Plan $200 for each insured person for every full six hours and the
the claim under one of the sections only. most we will pay is:
What is not covered $10,000 in total for adult and children cover or family cover
Standard Plan $100 for each insured person for every full six hours of delay
and the most we will pay is:
SECTION 36 LOSS OF USE OF HOTEL FACILITIES $2,000 each insured person
We will pay for the extra expenses for alternative accommodation for each day the
prepaid hotel accommodation is not available during the overseas journey as a result What is not covered
of: Please see the section on exclusions.
1. fire;
SECTION 39 RENTAL VEHICLE EXCESS
2. strike or other industrial action;
3. riot; We will pay the excess if the adult insured person legally has to pay this amount if
during a journey outside Singapore, an adult insured person rents or hires a car, or a
4. civil commotion (but not an uprising, military action or usurped power); or campervan:
5. natural disasters (a) from a licensed rental agency; and
To qualify for this benefit, the insured person must have checked-in in line with the (b) the rental agreement includes an excess (or deductible or similar condition) which
original itinerary and received written confirmation from the hotel or their handling makes the adult insured person legally responsible for loss or damage to the
agents stating the length and reason for finding alternative accommodation. If the rental vehicle.
insured person is prevented from checking in to the pre-booked hotel accommodation
due to any of the reasons mentioned above, they must get written confirmation from This applies as long as it is as a result of accidental loss or damage to the vehicle and:
the hotel or their handling agents stating the length and reason for finding alternative (a) the adult insured person must be either a named driver or co-driver of the rental
accommodation. vehicle;
(b) the adult insured person has kept to all requirements of the rental agreement;
This will depend on the type of cover as shown in the schedule. (c) at the time of the accident, the adult insured person was licensed to drive the
vehicle and was not taking part in or practicing for speed or time trials of any kind,
or driving under the influence of alcohol, drugs or any drugs abuse;
Premier Plan $300 each day for each insured person and the most we will
pay is: (d) as part of the hiring arrangement, the adult insured person must take up a full
$3,000 each insured person motor insurance against loss or damage to the rental vehicle during the rental
$7,500 in total for adult and children cover or family cover period; and
(e) the driver must be one of the insured persons of this policy at the time of the
Elite Plan $200 for each day for each insured person and the most we accident.
will pay is:
$2,000 each insured person We will not make any payment for any loss or damage arising from wear and tear,
$5,000 in total for adult and children cover or family cover gradual deterioration, damage from insects or vermin, built-in faults, or faults or
Standard Plan Not covered damage which are not obvious.
If a claim under Section 34 Shortening the trip, Section 35 Travel disruption or Limit of benefit we will pay
Section 36 Loss of use of hotel facilities results from the same event, we will pay for This will depend on the type of cover as shown in the schedule.
the claim under one of the sections only.
What is not covered
Premier Plan $1,500
SECTION 37 HIJACK OF PUBLIC TRANSPORT Elite Plan $1,000
Standard Plan $500
If the public transport in which the insured person is travelling is hijacked, we will pay
for every six hours that they are prevented from reaching their scheduled destination. What is not covered
We will not make any payment for hijack if the intended destination of the public Please see the section on exclusions.
transport is to, or by way of, a country in a state of war.
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SECTION 40 RETURNING A RENTAL VEHICLE Home contents refers to household furniture and furnishing, domestic appliances,
audio and video equipment, clothing and personal belongings owned by the adult
If during a journey outside Singapore, the adult insured person rents or hires a car or insured person or their immediate family members who permanently live with
a campervan from a licensed rental agency and cannot return it due to their injury or the adult insured person. This does not include deeds, bonds, bills of exchange,
illness, we will pay the reasonable costs for returning the rental vehicle to the nearest promissory notes, cheques, travellers cheques, securities, cash, documents of any
hire depot. We will only meet these costs if kind, perishable goods, livestock, motor vehicles, bicycles, boats and any accessories
attaching to them.
(a) the adult insured person is legally responsible for paying them under the rental
agreement; Limit of benefit we will pay
(b) the adult insured person must be either a named driver or co-driver of the rental This will depend on the type of cover as shown in the schedule.
vehicle; and
(c) the adult insured person has kept to all requirements of the rental agreement. The most we will pay is:
Limit of benefit we will pay Premier Plan $15,000

Elite Plan $10,000
The most we will pay is: Standard Plan Not covered
Premier Plan $750 We will not pay:

(a) more than $2,000 for platinum, gold and silver items, watches, jewellery, precious
Elite Plan $500 stones and furs (in total); or
Standard Plan $250 (b) more than $1,000 for any one item, or set or pair of items.
What is not covered What is not covered
Please see the section on exclusions. Please see the section on exclusions.
SECTION 41 PERSONAL LIABILITY SECTION 44 DOMESTIC PETS CARE
We will cover each insured person against all amounts which the insured person If an adult insured person cannot return to Singapore on the scheduled return date
becomes legally responsible for paying compensation for accidents which happen due to injury or illness or delay of the public transport which they are booked on, we
during the journey outside Singapore and which result in: will pay for their pet dogs or cats continued stay at the pet hotel or kennel or cattery
(a) death or injury of any other person; or where the pet is left during the insured persons journey abroad.
(b) loss of or damage to property belonging to other people.
The following documents must be produced to get benefit under this section.
No matter how many insured persons are involved, the most we will pay under this (a) Written confirmation from the pet hotel or kennel or cattery stating the period
section for any one event or series of events resulting from one original cause and of stay of the adult insured persons pet and the collection date arranged before
in total for all events in any one period of insurance, including any legal costs and their journey abroad and the period of extended stay and either of the following.
expenses awarded against or paid by the insured person with our written permission, (i) A medical report or certificate from a medical practitioner advising delay
is shown below. of planned travel for medical reasons covered under Section 6 Overseas
medical expenses; or
Premier Plan $1,000,000 each insured person (ii) Written confirmation from the carrier, operator or their handling agent,
$500,000 each insured child stating the reasons and length of delay.
$1,000,000 in total for adult and children cover or family cover
Elite Plan $1,000,000 each insured person This will depend on the type of cover as shown in the schedule.
$1,000,000 in total for adult and children cover or family cover The most we will pay is:
$250,000 each insured child Premier Plan $75 for each day up to a maximum of $750
Elite Plan $50 for each day up to a maximum of $500
What is not covered
Please see the section on exclusions. Standard Plan Not covered
What is not covered
SECTION 42 LEGAL EXPENSES FOR WRONGFUL ARREST OR Please see the section on exclusions.
DETENTION
SECTION 45 CREDIT CARD COVER
We will cover each insured person against the legal costs and expenses which
the insured person legally has to pay due to wrongful arrest or detention by any If the adult insured person suffers financial loss as a direct result of the fraudulent
government or local authority which happens during the journey outside Singapore. use of their credit card following its loss arising out of robbery, burglary or theft while
the adult insured person is outside Singapore during the journey, we will pay for the
Limit of benefit we will pay unauthorised transactions.
No matter how many insured persons are involved, the most we will pay under this
section for any one event or series of events resulting from one original cause and The loss must be reported to the credit-card issuer within six hours of the robbery,
in total for all events in any one period of insurance, including any legal costs and burglary or theft. If not, we will not pay any benefit under this section. A claim must be
expenses awarded against or paid by the insured persons with our written permission, accompanied by a report issued by the credit-card issuer showing the amount of loss
is shown below. and confirming the adult insured persons liability for the loss.

Premier Plan $10,000 each insured person This will depend on the type of cover as shown in the schedule.
$5,000 in total for adult and children cover or family cover Premier Plan $3,000
Standard Plan Not covered Elite Plan $2,000
What is not covered
Please see the section on exclusions. What is not covered
SECTION 43 HOME CONTENTS
SECTION 46 CREDIT CARD OUTSTANDING BALANCE
We will cover the adult insured person against physical loss or damage to their home
contents within their home in Singapore that was left vacant because of the journey, If the adult insured person suffers injury during the journey outside Singapore which
caused by fire or theft where force and violence were used to get into the property within 90 days of its happening is the only cause of their death, we will pay the
during the period of insurance, but only after the insured person is outside Singapore. outstanding balance on their credit card up to the date of the accident and up to the
limits set out below.
We may choose to pay or decide to reinstate or repair any damaged item after taking
into account wear and tear and market value. We may not consider any loss in market Limit of benefit we will pay
value for electronic items bought within one year before the date of the accident if This will depend on the type of cover as shown in the schedule.
the adult insured person can produce evidence (for example, original receipts). If any
item is proven to be beyond economical repair, we will deal with the claim under this
section as if the item had been lost.
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The most we will pay is: SECTION 50 TERRORISM COVER
As an exception to general exclusion 13(b), we will extend this policy to cover losses
Premier Plan $3,000 which may be suffered through acts of terrorism but there is no liability when the
Elite Plan $2,000 acts of terrorism involve using biological weapons, chemical agents or nuclear devices.
Standard Plan Not covered Limit of benefit we will pay
What is not covered This will depend on the type of cover as shown in the schedule.
The most we will pay under all sections of the policy in total is:
SECTION 47 GOLFERS COVER
Golfing equipment Insured person aged below 70 $500,000 $200,000 $150,000
We will pay the adult insured person for loss or damage to the golfing equipment (golf
clubs and bags) belonging to or on loan to the adult insured person due to accident or Insured person aged 70 or $100,000 $75,000 $50,000
theft during the journey overseas but not for any loss or damage suffered during the above
course of play or practice. Insured child $100,000 $75,000 $50,000
We may choose to pay the claim or repair any damaged item after taking into account Total for adult and children $1,200,000 $550,000 $400,000
wear and tear and market value. We may not consider any loss in market value for cover or family cover
golfing equipment bought within one year before the date of accident if the adult
insured person can produce evidence (for example, original receipts). If any item is For insured persons covered under group cover, the most we will pay for all insured
proven to be beyond economical repair, we will deal with the claim under this section persons is $5,000,000 for each event involving terrorism acts, no matter what transport
as if the item had been lost. was used on the journey. The limit of benefit we will pay for each insured person,
whichever is lower, will still apply.
Green fees
We will pay for overseas pre-booked green fees which are not refundable if the adult If the insured person is insured under more than one policy with us covering acts of
insured person cannot play on the scheduled booked dates due to injury or illness terrorism, the most we will pay for all claims arising directly or indirectly from any
suffered after booking and payment has been made. act of terrorism will be limited to one policy only (with the highest limit on act of
terrorism).
Hole-in-one
We will pay the adult insured person for the cost of one round of celebratory drinks SECTION 51 PASSIVE WAR EXTENSION
when the adult insured person scores a hole-in-one in an organized event at any 18-
hole golf course during the journey outside Singapore. As an exception to general exclusion 13(a), we will extend section 1 (Accidental death
and permanent total disability) of this policy to cover the insured person for death or
The adult insured person must provide written evidence from the golf club official of bodily injury which may be suffered through war, riot, revolution or any similar event
the hole-in-one scored, and provide original receipts for the cost of celebratory drinks. as long as no state of war exists in the country when the insured person travels there
and that country is not the home of the insured person. The insured person must
Limit of benefit we will pay prove that, at the time of suffering the loss, they were in no way directly or indirectly
This will depend on the type of cover as shown in the schedule. taking part in any of those activities, apart from steps which were reasonably necessary
to protect themselves or their property. They must also not have been involved in
The most we will pay is: controlling, preventing, suppressing or in any other way dealing or attempting to deal
with those events.
Premier Plan $1,500 for golfing equipment This cover will not apply 30 days after the outbreak of war or any of the events listed
$750 for green fees during the insured persons visit to that country.
$750 for hole-in-one
Elite Plan $1,000 for golfing equipment If the insured person is insured under more than one policy with us covering passive
$500 for green fees war extension, the most we will pay for all claims arising directly or indirectly from
$500 for hole-in-one this will be limited to one policy only (with the highest limit on passive war extension).
SECTION 52 UNUSED ENTERTAINMENT TICKET
If a claim under this Section 22 Baggage and Section 47 Golfers cover results from
the same event, we will pay for the claim under Section 47 Golfers cover. We will pay for the cost of any prepaid or unused portion of your entertainment ticket
which could not be used during the trip due to the following events:
What is not covered
Please see the section on exclusions. 1. Death, serious injury or serious illness of the insured person or their husband or
wife, parent, parent-in-law, grandparent, grandparent-in-law, great-grandparent,
SECTION 48 ADVENTUROUS ACTIVITIES COVER great-grandparent-in-law, child or their husband or wife, grandchild, great-
(This applies to Elite Plan and Premier Plan only) grandchild, brother, brother-in-law, sister, sister-in-law or travel companion as
long as we receive written confirmation of the nature of the serious injury or
As an exception to general exclusion 7, this policy will cover the insured person for serious illness from a medical practitioner.
death or injury which may be suffered as a result of taking part in or practising for:
2. Compulsory quarantine of the insured person or their travel companion ordered
1. bungee jumping; by a government or local authority.
2. skydiving;
3. An unexpected strike, industrial action, riot, civil commotion (but not an uprising,
3. paragliding; military action or usurped power) at the planned overseas destination, which
4. helicopter rides for sightseeing; prevents the insured person from beginning or continuing with the scheduled
5. hot-air ballooning; journey.
6. jet skiing; 4. Natural disasters which happen at the planned overseas destination, which
7. mountaineering on mountains below 3,000 metres above sea level; prevent the insured person from beginning or continuing with the scheduled
8. skiing or snowboarding all within official approved areas of a ski resort; journey.
9. canoeing or white-water rafting with a qualified guide and up to Grade 3 (of 5. Epidemic or pandemic at the planned overseas destination as declared by the
International Scale of River Difficulty); or World Health Organisation.
10. underwater activities involving artificial breathing apparatus for diving up to
a maximum depth of 30 metres with a qualified diving instructor or a qualified 6. Closing of airport or airspace that prevents the insured person from beginning or
divemaster and with recognised diving certification. continuing with the scheduled journey.
The above activities must be done for leisure purposes and with a licensed operator. To qualify for a claim under this benefit, the event must happen within 30 days before
the start of the journey after you have arranged this insurance and the trip and you
cannot recover the cost of the tickets from any other source.
SECTION 49 AUTOMATIC EXTENSION TO THE PERIOD OF
INSURANCE Limit of benefit we will pay
If the homeward journey cannot be completed before the end date shown in your
policy, cover will stay in force without an extra premium for an insured person for up The most we will pay is:
to:
(a) 14 days if any public transport in which that insured person is travelling as a Premier Plan $500 each insured person
ticket-holding passenger is delayed; or $1,000 in total for adult and children cover or family cover
(b) 30 days if the intended return journey is prevented due to the insured persons Elite Plan $300 each insured person
injury or illness arising from a cause covered under this policy. $600 in total for adult and children cover or family cover
What is not covered Standard Plan Not covered
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What is not covered 3. Fines, penalties, punitive or exemplary damages.
Please see the section on exclusions. 4. Liability arising from:
(a) death or bodily injury of the insured persons employee or member of their
OVERALL COMPENSATION LIMIT family;
(b) loss of or damage to property which belongs to or is in the custody or control
The most we will pay for all insured persons travelling in one aircraft or surface of the insured person or their employee or any member of their family;
transport vehicle or vessel will be $15,000,000 or the total of all benefits due for the
insured persons, whichever is lesser. (c) the insured persons employment, trade, business or profession;
(d) owning or occupying any land or buildings other than temporary holiday
If the total for all claims for insured persons travelling in one form of transport is accommodation; or
more than $15,000,000, the most we will pay for each of the insured persons will be a (e) owning, having or using animals, firearms, mechanically propelled vehicles,
percentage of the benefits due for that person. vessels or aircraft including drones of any description.
EXCLUSIONS 5. Any claim or loss arising out of any activity or business carried out via the internet,
intranet, extranet or the insured persons own website, internet site, web address
Exclusions which apply to sections 22, 23, 24, 25, 26, 30, 45 and 47 or when sending email or documents by electronic means.
We will not pay for 6. Any liability which you have under an agreement but which you would not have if
the agreement did not exist.
1. any loss not reported within 24 hours of discovery to the local police, the airline or
transport company or other carrier who had custody of or control of the baggage 7. Judgments which are not in the first instance delivered by or received from a court
or property or may be responsible for the loss; within the Republic of Singapore nor to orders received in the court for enforcing
judgments made outside the Republic of Singapore whether by way of reciprocal
2. loss or damage to animals, computer software, mechanical propelled vehicles, agreement or otherwise.
aircraft including drones, bicycles, contact or corneal lenses, dentures, retainer or
bridges for teeth, bonds, negotiable instruments, securities and stamps; 8. Any claims and losses based on, arising out of, directly or indirectly resulting from
or as a result of of, or any way involving:
3. loss or damage to business goods or samples or any items used in connection with (a) asbestos, or
the insured persons employment or occupation;
(b) any actual or alleged asbestos-related injury or damage involving using
4. loss or damage to baggage, money or other insured property left unattended in asbestos, or the presence, existence, detection, removal, elimination or
any public place (any place which the general public has access to), or as a result of avoidance of asbestos or exposure or potential exposure to asbestos.
the insured persons failure to take care and precautions to protect the property;
Exclusions which apply to section 43
5. the cost of reproducing data whether recorded on tape, card, disc or otherwise;
We will not pay for:
6. damage or breakage of sports equipment while in use;
1. loss or damage caused by or arising from wear and tear, loss in value, deterioration,
7. damage to any brittle or fragile items unless properly packed and protected; insects, vermin, mildew, atmospheric conditions, the action of light, any process
of heating, cleaning, repairing, restoring, mechanical or electrical breakdown,
8. loss or damage caused by wear and tear, loss in value, deterioration, insects, faulty design or workmanship;
vermin, mildew, atmospheric conditions, the action of light, any process of
heating, cleaning, repairing, restoring, mechanical or electrical breakdown, 2. any loss or damage caused by the deliberate act of the insured person or with
misuse, faulty design or workmanship; their agreement;
9. loss or damage to property caused by customs or other government officials 3. loss or damage to property caused by customs or other government officials
legally taking, holding or destroying it; legally taking, holding or destroying it; or
10. unexplained disappearance, shortage due to mistakes or failure to act, differences 4. loss or damage insured under any other policy, or reimbursed by any other party.
in the exchange rate or loss in value;
GENERAL EXCLUSIONS
11. any fines or penalties the insured person has to pay due to not replacing the lost (which apply to the whole policy)
personal documents or replacing them late; or
We will not be legally responsible for any claims, damages, losses, death or disability,
12. any loss or damage that has been or will be refunded or paid by any carrier, injury, illness or liability directly or indirectly caused by, or in connection with, or
hotel, travel agent or any other person or organisation responsible for the loss of arising from the following.
damage.
1. Any known event
13. any loss or damage of items hired or rented by the insured person.
2. Any pre-existing medical or physical conditions of any insured person which have
Exclusions which apply to sections 27, 28, 29, 31, 32, 34, 35, 36 and 37 needed consultation or treatment including any recurring, chronic or continuing
illness or condition during the 12-month period before the start of the journey.
We will not pay for the following. For the purpose of an annual plan, we will treat medical or physical conditions for
which a claim has been made on a previous journey as a pre-existing condition in
1. Any failure on your or the insured persons part to: terms of any future journey.
(a) check in for departure by the time given by the carrier (except for reasons
specifically provided above); or 3. Human Immunodeficiency Virus (HIV), HIV related illnesses, or any other diseases
or illnesses related to sexually transmitted disease.
(b) tell the travel agent, tour operator, carrier or other provider of any service
forming part of the booked itinerary that they need to cancel or abandon the 4. Pregnancy, childbirth, miscarriage, abortion or menopause.
travel arrangement immediately when it is found necessary to do so.
5. Suicide or attempted suicide, intentional self-inflicted injury or any act which
2. Any loss or expenses being compensation for any air miles, holiday points, could reasonably be considered as exposure to danger (unless carried out in an
membership or credit card redemption you use for the trip in part or in full. attempt to save human life), insanity, or while the insured person is under the
influence of alcohol, drugs or other substance abuse (other than drugs taken
3. Any charges not related to transport or accommodation, or any unused under medical supervision and not to treat drug addiction).
entertainment tickets to be claimed under Section 52 Unused entertainment
ticket. 6. Any anxiety state or depression suffered by the insured person and diagnosed
before arranging the journey.
Exclusions which apply to section 33
7. The insured person taking part in or practising for:
We will not pay for any loss:
(a) flying or other aerial activities except travelling as a fare-paying passenger in
1. caused directly or indirectly by government regulations or control; a properly licensed, regular scheduled commercial airline operating between
licensed commercial airports;
2. that is covered by any other existing insurance scheme or government program; (b) rafting or canoeing involving white-water rapids, bungee jumping , jet skiing,
high diving or jumping, sky-diving, paragliding, underwater activities involving
3. which will be paid or refunded by a hotel, airline, travel agent or any other artificial breathing apparatus, winter sports or any activities including skiing,
provider of travel or accommodation; or snowboarding, or any activities involve the use of a bobsleigh or skeleton,
hunting, potholing, mountaineering or rock climbing that normally involves
4. where insolvency took place, or for which a petition for bankruptcy or similar using ropes or guides;
petition was filed before buying this insurance.
(c) taking part in or practising for speed or time trials, competitions, sprints or
Exclusions which apply to sections 41 and 42 racing of any kind, or as a professional sportsperson (where you could earn
We will not pay for the following. income, pay or sponsorship from taking part in that sport or activity) or any
organised team football;
1. Any liability arising from personal injury or bodily injury or loss of, damage to, (d) extreme sports which involve speed, height, danger, a high level of physical
or loss of use of property directly or indirectly caused by seepage, pollution or exertion, highly specialised gear or special stunts;
contamination. (e) manual work of any kind unless you tell us when applying for the insurance
and we accept this in writing; or
2. The cost of removing, dealing with or cleaning up seeping, polluting or
contaminating substances. (f) expeditions or crewing a vessel from one country to another or taking part in
active service in the armed forces of any nation.
QTD081702 12 of 16
8. The insured person taking part in naval, military, air force, civil defence or police of data (including any information or programs or software) and whether
services or operations, testing of any kind of vehicle or transport, while taking part your property or not, if the damage is caused by programming or operator
in off-shore or in mining, aerial imaging or handling explosives, ammunitions or error, virus or similar, or hacking; and
firearms, or travelling as an operator or crew member of any public transport. (b) consequential loss directly or indirectly caused by or arising from general
exclusion 16 (a) above;
9. Any deliberate, malicious, criminal or unlawful acts committed by you or the
insured person or any person acting on your or their behalf. However, we will cover any claim for subsequent loss or destruction of or damage
to any property, or consequential loss which itself results from a defined risk, but
10. Any restrictions or regulations imposed by any government or local authority. only as far as the claim would otherwise be insured under this policy.
11. Any consequential loss not shown in the policy. For the purpose of this general exclusion 16 only, we use the following definitions.
12. We will also not pay for: Defined risk means fire, lightning, explosion, aircraft and other aerial devices or
(a) the cost of any non-emergency treatment or surgery you choose to have, items dropped from them, riot, civil commotion, strikers, locked-out workers, people
including exploratory tests, which are not directly related to the illness or taking part in labour disturbances, malicious people other than thieves, earthquake,
injury which required the insured persons need to be admitted to hospital; storm, flood, escape of water from any tank apparatus or pipe, property being hit
(b) any form of cosmetic surgery or treatment; by any road vehicle or animal or volcano, freezing or weight of snow.
(c) Any expenses in respect of normal dental inspection and/or treatment or Virus or similar means program code, programming instruction or any set
in obtaining dentures, retainer or eye glasses or the like or hearing aids or of instructions deliberately used with the ability to damage, interfere with or
prosthesis and corrective devices; otherwise have a negative effect on computer programs, data files or operations,
(d) treatment or service provided by a health spa, convalescent or nursing home whether involving self-replication or not. This definition includes, but is not
or any rehabilitation centre; limited to, trojan horses, worms and logic bombs.
(e) any claim if the insured person is under treatment not recommended by or Hacking means unauthorised access to any computer or other equipment,
carried out by a medical practitioner; or component or system or item which processes, stores, sends or retrieves data.
(f) any claim if the insured person is travelling against the advice of a medical
practitioner or for the purpose of getting medical treatment during the
journey. GENERAL CONDITIONS
(which apply to the whole policy and which you and the insured persons must keep to)
13. War and terrorism exclusion
The conditions which appear in the policy or in any endorsement are part of the
Despite what we have said in any condition to the contrary in this policy or any contract and you must keep to them.
endorsement, you agree that this insurance will also not cover the following.
1. Precaution
Death, disability, loss, damage, destruction, any legal liabilities, cost or expense
including consequential loss of whatever nature, directly or indirectly caused by, The insured persons must take all reasonable steps to prevent loss, damage or
resulting from or in connection with any of the following, no matter whether there accident and recover any missing property.
is any other cause or event contributing at the same time or in any other sequence
to the loss. 2. Cancellation
(a) War, riot, revolution, invasion, act of foreign enemy or warlike operations (a) If the policy is an annual plan:
(whether declared or not), civil war, civil commotion assuming the proportions
of or amounting to any uprising, military or usurped or any similar event. (i) we may cancel the policy at any time by giving you seven days notice in
writing to your last-known address (if we do, we will return a percentage
(b) Any act of terrorism including but not limited to: of your premium depending on how much of the period of insurance is
(i) using threat of force or violence; or left to run); and
(ii) harm or damage to life or to property (or the threat of harm or damage) (ii) you may cancel the policy at any time by giving us seven days written
including, but not limited to, nuclear radiation or contamination by notice as long as you have not made a claim under the policy, you will be
chemical or biological agents; entitled to the following percentage of your premium.
by any person or group committed for political, religious, ideological or
similar purposes, with the intention of putting the public or any section of Period policy is in force % of premium we will refund
the public in fear.
(c) Any action taken in controlling, preventing, suppressing or in any way relating Up to 2 months 60%
to (a) or (b) above. Up to 3 months 50%
If we say your claim is not covered as a result of this exclusion, you will need to Up to 4 months 40%
prove to us otherwise to pay the claim. Up to 5 months 30%
14. Radioactive contamination, chemical, biological, biochemical and electromagnetic Up to 6 months 20%
weapons exclusion Above 6 months No refund allowed
This clause will override anything in this insurance which says differently. We will keep at least $50 in all cases.
We will not cover loss, damage, liability or expense directly or indirectly caused by (b) If the policy covers a single return trip, you may at any time before the start
or contributed to by or arising from of the period of insurance cancel the policy by giving us written notice. If you
(a) ionising radiations from or contamination by radioactivity from any nuclear do, we will be entitled to keep at least $50 of the premium paid. You will not
fuel or from any nuclear waste from burning nuclear fuel; be entitled to any refund of premium if the period of insurance has started,
or you have made any claim under the policy.
(b) the radioactive, toxic, explosive or other dangerous properties of any nuclear
installation, reactor or other nuclear machinery; 3. Keeping to the conditions
(c) any weapon or device using atomic or nuclear fission or fusion or other
similar reaction or radioactive force or matter; or We will only pay claims under this policy if you and the insured persons keep to
(d) the radioactive, toxic, explosive or other dangerous properties of any all conditions of this policy and the statements and answers in the application are
radioactive matter. This exclusion does not apply to radioactive isotopes, truthful.
other than nuclear fuel, when these isotopes are being prepared, carried,
stored, or used for commercial, agricultural, medical, scientific or other 4. Legal personal representative
similar peaceful purposes.
The terms, exclusions and conditions of this policy will also apply to your or any
(e) any chemical, biological, biochemical, or electromagnetic weapon. insured persons legal representatives.
15. Political risks exclusion 5. Same cover
We will not cover loss or damage caused directly or indirectly or as a result of any If an insured person is insured under more than one travel insurance policy we
of the following. have arranged for the same journey, we will only be liable for the policy which
(a) Any legal authority legally taking your property. provides the highest benefit limits.
(b) Any property being taken from an insured person if that property was 6. Other insurance
received illegally by the insured person.
We will still be legally responsible for physical damage to the insured property When an incident results in a claim under this policy and there is any other
which takes place before the property is taken if it is covered by this policy. insurance which covers the same loss, damage, expense or liability, we will pay only
(c) Any public authority legally destroying your property. our share of the claim. This condition does not apply to the following sections.
Section 1 Accidental death and permanent total disablement
In any action suit or other proceeding where we use this exclusion as the reason Section 2 Public transport double cover
for not paying the claim, you must prove otherwise for us to pay the claim. Section 3 Accident bereavement benefit
Section 4 Child education grant
16. Cyber exclusion Section 5 Family assistance benefit
Section 11 Overseas hospitalisation daily benefit
This policy does not cover: Section 12 Overseas ICU hospitalisation daily benefit
Section 13 Hospitalisation daily benefit after a journey
(a) damage to any computer or other equipment, component, system or item Section 26 Delayed baggage
which processes, stores, sends or retrieves data, including loss or corruption Section 27 Delayed departure
QTD081702 13 of 16
Section 28 Flight diversion have no responsibility for dealing with any claim, defence or proceedings. We will
Section 29 Missed travel connection or overbooked flight not be responsible for any damage, loss or liability alleged to have been caused
Section 36 Loss of use of hotel facilities to you or the insured person as a result of any alleged act or failure to act on
Section 37 Hijack of public transport our part in connection with that claim, defence or proceedings. We will not be
Section 38 Kidnap and hostage legally responsible for any costs or expenses you or any person claiming may have
Section 44 Domestic pets care expended after our liability has been released.
Section 51 Passive war
7. Arbitration
7. Governing law
If there is any dispute about whether we are legally responsible for paying a claim
This contract of insurance is governed by the laws of Singapore. If there is any or about the amount to be paid under this policy, it will be decided by arbitration
dispute it will be dealt with by the courts of Singapore. in line with current law. Before you can take any other action, this arbitration must
take place and an award made.
8. Excluding rights under the Contracts (Rights of Third Parties) Act
If within 12 months from the date of you claiming that we are legally responsible
A person who is not a party to in this policy contract will have no right under the for a claim and you do not take up the offer of arbitration, we will assume you
Contracts (Rights of Third Parties) Act (Cap 53B) to enforce any of its terms. have abandoned the claim.
9. Currency 8. Time limit for taking legal action
All amounts shown are in Singapore dollars. If you do not begin legal action within 12 months after the arbitration award is
made, we will not be legally responsible for the claim.
CLAIM CONDITIONS 9. False or exaggerated claims
(which apply to the whole policy)
For us to pay claims under this policy, you must keep to the following conditions. If you or anyone acting for you makes a claim under this policy knowing the claim
to be dishonest or exaggerated in any way, we will not pay the claim and all cover
1. Telling us about a claim under this policy will end immediately. We can tell the police about this.
You must contact us with full details as soon as possible of any injury, illness or Payment before cover warranty this applies to you as a private
incident or when you discover any loss or damage which may result in a claim individual
under this policy. You must also tell us if you know about any writ, summons or
prosecution against you or an insured person and immediately send us every 1. We must receive the total premium due on or before the start date for the cover
letter or document which relates to a claim. under the policy. Payment shall be considered to have been received by us when
one of the following acts takes place:
2. Conduct of claim
(a) Cash or honoured cheque for the premium is handed over to us or our
You and the insured person or any person acting for you or the insured person intermediaries;
must not negotiate any claim or admit or deny legal responsibility without our (b) A credit or debit card transaction for the premium is approved by the issuing
written permission. bank;
You or your legal representative must give us all certificates, information and (c) A payment through an electronic medium including the internet is approved
evidence which we may need at your expense. If your claim is for bodily injury or by the relevant party;
illness, we may ask, and will pay for, a medical examination. We may also ask, and (d) A credit in favour of us or our intermediaries is made through an electronic
will pay for, a post-mortem examination if any insured person passes away. medium including the internet.
3. Disappearance 2. If we do not receive the full premium due as described in clause 1 above, the
insurance will not apply and we will not pay any benefits under the policy.
We will not presume the insured person has died as a result of an accident if they
disappear, unless there has been the total loss of the sea-going vessel, aircraft Essential condition applies if you are a business
or train on which the insured person was travelling. The death of the insured
person must be established by an official death certificate, or in the event of them This policy is only valid if:
disappearing after an accident or the total loss of the sea-going vessel, train or
aircraft, by a court order presuming they are dead. (a) for the risk insured, you have never had any insurance stopped in the last 12
months due to breaking any premium-payment condition; or
4. Who we will pay (b) you have declared that you have broken any premium-payment for a previous
policy taken up with another insurer in the last 12 months.
For sections providing benefits (1, 2, 3, 4, 5, 11, 12, 13, 26, 27, 28, 29, 36, 37, 38, 44 and
51) we will pay the insured person concerned unless the insured person has died. You must have fully paid all outstanding premiums to the previous insurer based
on the short period rate for the previous policy and we must have a copy of written
If the insured person or child has died, we will pay: confirmation from the previous insurer to prove this before our cover starts.
(a) the insured persons legal personal representatives; or
(b) you or your legal personal representatives for an insured child. Premium payment warranty applies if you are a business
For sections providing refunds or cover for expenses or liabilities paid or agreed, 1. Despite anything else we may say in the policy, depending on clause 2 below, if the
we will either pay: period of insurance is 60 days or more, any premium due must be paid and we (or
our intermediary) must have received it within 60 days of the start date of cover
(a) you or the insured person concerned who had the expense or liability; under the policy, renewal certificate or cover note.
(b) our appointed assistance company or their authorised representatives or the
healthcare provider to whom we or our assistance company have provided a 2. If the above doesnt happen:
guarantee (as appropriate); or (a) the cover under the policy, renewal certificate or cover note will automatically
(c) the person or organization you or the insured person owes the money to end after the 60-day period;
under section 41. If we pay the claim in line with the above, we will have no (b) this will not affect the coverage under the policy within the 60-day period;
further legal responsibility under this policy for the insured person concerned. and
5. Taking action in your name (c) we will be entitled to the premium for the time we provided cover subject to
a minimum of $50.
We can defend and settle any legal action in your or the insured persons name.
We can recover any payment we make under the policy to anyone else (we will 3. If the period of insurance is less than 60 days, we or our intermediary must have
pay any costs involved) for our own benefit and we can do it in your or the insured received any premium due in full within the period of insurance.
persons name. You and the insured persons will have to give us all information
and help we may need.
6. Our rights
At any time after an event has happened giving rise to a claim or series of claims
under the personal liability section of this policy, we may pay you the full amount
of the claim (or any smaller amount we can settle the claim for) and then will
POLICY OWNERS PROTECTION SCHEME

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 your insurer or visit the GIA / LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
IMPORTANT The insured is requested to read this policy. If any error or misdescription be found, the policy should be returned to the issuing office for correction.
QTD081702 14 of 16
MSIG ASSIST 24-HOUR EMERGENCY HOTLINE
+65 6323 8288
All sums in Singapore $
STANDARD PLAN ELITE PLAN PREMIER PLAN

Adult & Adult & Adult &
Individual children Individual children Individual children
TravelEasy Benefits cover Family cover cover Family cover cover Family cover
(in total)* (in total)* (in total)*
Limit of Benefits
Personal accident cover
Section 1 Accidental death and permanent total disability
Adult below 70 years $150,000 $200,000 $500,000
Adult 70 years & 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
Adult below 70 years $400,000 $1,000,000
Adult 70 years & above Not covered Not covered $1,100,000 Not covered $2,400,000
Child $150,000 $200,000
Section 3 Accident bereavement benefit
Adult $3,000 $5,000 $8,000
$6,000 $10,000 $16,000
Child $750 $1,250 $2,000
Section 4 Child education grant Not covered
$5,000 each child $8,000 each child
Up to $20,000 Up to $32,000
Section 5 Family assistance benefit 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 & 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 $6,000 $8,000
$12,500 $15,000 $20,000
Child $1,250 $1,500 $2,000
Section 8 Medical expenses in Singapore
Adult 70 years & 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 $3,000 $5,000
Not covered $6,000 $10,000
Child $750 $1,250
Section 10 Traditional Chinese medicine expenses
Adult $200 $400 $600
$600 $1,300 $1,800
Child $100 $250 $300
Section 11 Overseas hospitalisation daily benefit
$200 per day $250 per day $300 per day
Adult
Max $10,000 Max $20,000 Max $30,000
$30,000 $65,000 $90,000
Child
Max $5,000 Max $12,500 Max $15,000
Section 12 Overseas ICU hospitalisation daily benefit
$350 per day $400 per day
Adult Not covered
Max $3,500 Max $4,000
Not covered $8,500 $10,000
Child Not covered
Max $750 Max $1,000
Section 13 Hospitalisation daily benefit after a journey
Adult
Max $500 Max $1,000 Max $2,000
$1,300 $2,500 $5,000
Child
Max $150 Max $250 Max $500
Section 14 Replacement employee $5,000 $10,000 $15,000
Section 15 Emergency medical evacuation $500,000 $1,000,000 $1,000,000
Section 16 Medical and travel assistance services Available Available Available
Section 17 Sending you home after a medical
$50,000 $125,000 $50,000 $125,000 $50,000 $125,000
emergency evacuation
Section 18 Sending home your mortal remains $50,000 $125,000 $50,000 $125,000 $50,000 $125,000
Section 19 Compassionate and hospital visit $5,000 $12,500 $10,000 $25,000 $15,000 $37,500
Section 20 Child guard $5,000 $12,500 $10,000 $25,000 $15,000 $37,500
Section 21 Emergency telephone charges $100 $250 $150 $375 $250 $625
QTD081702 15 of 16
STANDARD PLAN ELITE PLAN PREMIER PLAN
Adult & Adult & Adult &
Individual children Individual children Individual children
TravelEasy Benefits cover Family cover cover Family cover cover Family cover
(in total)* (in total)* (in total)*
Limit of Benefits
Travel inconvenience cover
Section 22 Baggage
Limit: $500 per article, pair or set and $1,000 for one $3,000 $6,000 $5,000 $10,000 $7,500 $15,000
unit laptop computer
Section 23 Wedding clothing and accessories Not covered $2,500 $3,500
Section 24 Loss of documents and passport $2,000 $4,000 $3,000 $6,000 $5,000 $10,000
Section 25 Domestic maid's personal baggage Not covered $250 $500
Section 26 Delayed baggage $150
$1,200
$250
$2,000
$375
$3,000
Every 6 hours Max $600 Max $1,000 Max $1,500
Section 27 Delayed departure $100
$1,000
$100
$2,000
$100
$3,000
Section 28 Flight diversion $100
$1,000
$100
$2,000
$100
$3,000
Section 29 Missed travel connection or overbooked flight $200
$1,000
$200
$1,000
$200
$1,000
Minimum 6 hours Max $200 Max $200 Max $200
Section 30 Personal money $250 $500 $750
Section 31 Travel cancellation $5,000 $12,500 $10,000 $25,000 $15,000 $37,500
Section 32 Travel postponement $500 $1,250 $1,000 $2,500 $1,500 $3,750
Section 33 Insolvency of licensed travel operator $5,000 $10,000 $7,500 $15,000 $10,000 $20,000
Section 34 Shortening the trip $5,000 $12,500 $10,000 $25,000 $15,000 $37,500
Section 35 Travel disruption $1,000 $2,500 $2,000 $5,000 $3,000 $7,500
Section 36 Loss of use of hotel facilities Not covered
$200 per day
$5,000
$300 per day
$7,500
Max $2,000 Max $3,000
Section 37 Hijack of public transport $100
$5,000
$200
$10,000
$300
$15,000
Every 6 hours Max $2,000 Max $4,000 Max $6,000
Section 38 Kidnap and hostage $100
$5,000
$200
$10,000
$300
$15,000
Every 6 hours Max $2,000 Max $4,000 Max $6,000
Section 39 Rental vehicle excess $500 $1,000 $1,500
Section 40 Returning a rental vehicle $250 $500 $750
Personal liability
Section 41 Personal liability
Adult $500,000 $1,000,000 $1,000,000
$500,000 $1,000,000 $1,000,000
Child $250,000 $500,000 $500,000
Section 42 Legal expenses for wrongful arrest or detention
Adult $5,000 $10,000
Not covered $5,000 $10,000
Child $2,500 $5,000
Lifestyle cover
Section 43 Home contents Not covered $10,000 $15,000
Section 44 Domestic pets care Not covered
Max $500 Max $750
Section 45 Credit card cover Not covered $2,000 $3,000
Section 46 Credit card outstanding balance Not covered $2,000 $3,000
Section 47 Golfer's cover
Unused green fee due to injury/illness $500 $750
Damage/loss of golf equipment (except while in use) Not covered $1,000 $1,500
Hole-in-one $500 $750
Section 48 Adventurous activities cover
Bungee jumping, sky diving, paragliding, hot air
ballooning, jet skiing, white water rafting, diving and Not covered Yes Yes
other activities listed in the policy
Additional benefits
Section 49 Automatic extension to the period of insurance
14 days if due to delay by public transport Yes Yes Yes
30 days if due to insured person's injury or illness Yes Yes Yes
Section 50 Terrorism cover
Child $50,000 $75,000 $100,000
Section 51 Passive war
Child $50,000 $75,000 $100,000
Section 52 Unused entertainment ticket Not covered $300 $600 $500 $1,000
*The limits under adult & children / family cover are subject to individual cover limits for each insured person.
Please refer to the policy for full details.
QTD081702 16 of 16
MSIG Insurance (Singapore) Pte.Ltd.
4 Shenton Way, #21-01 SGX Centre 2
Singapore 068807
Tel +65 6827 7888 Fax +65 6827 7800
Co. Reg. No. 200412212G
www.msig.com.sg
Your Easy Guide to 24 hour Assistance and Making A Claim

We want your travel experience to be enjoyable and relaxing. Should you need assistance during your
travels or to make a claim, heres a quick guide on the Medical and Travel Assistance services available
and the essential documents needed to lodge a claim.
MSIG Assist - Worldwide Medical & Travel Assistance

o Emergency medical evacuation o Sending home your mortal remains
o Telephone medical advice, Medical o Hospital admission, Guarantee of

+65 6323 8288 service provider referral medical expenses
24hr Emergency Hotline o Compassionate visit, Child guard o Lost luggage and travel document
assistance
Please provide Policyholders Name,
ID / FIN Number or Policy Number.
For full details of all assistance services, please refer to your Travel Policy.
Making A Travel Insurance Claim

Report your claim to MSIG as soon as possible, and send the completed claim form together with all supporting documents
within 30 days after your return to Singapore.
Claims Helpline: +65 6827 7660 (during office hours)
Your Must Have Documents for all Type of Claims

o Claim Form, download at www.msig.com.sg > Make a Claim
o Airline Ticket / Boarding Pass
o Travelling Schedule
Medical expenses, Emergency medical or Evacuation

Sending you home after a medical emergency evacuation
o Original Medical Receipts and Medical Reports
Trip Cancellation, Postponement, Shortening of trip, Disruption, Delay

or Missed Departure
o Carriers letter stating reason and period of disruption
o Hotel Receipts or Travel Deposit Receipt
Baggage Loss, Loss of Money, Documents or Passport
o Obtain the Loss or Damage Irregularity Report o Police Report

from the Carrier
TCG1016
o Purchase or Repair Receipts

o Baggage Return Acknowledgement Slip o Warranty Card and Photos of Damaged Items

MSIG TravelEasy Insurance Policy

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MSIG Insurance (Singapore) Pte. Ltd.

4 Shenton Way, #21-01 SGX Centre 2

TRAVELEASY MSIG ASSIST 24-HOUR EMERGENCY HOTLINE

Illness Family cover

What is not covered SECTION 7 EMERGENCY DENTAL EXPENSES

SECTION 9 MOBILITY AID REIMBURSEMENT

What is not covered

Limit of benefit we will pay

1. Medical assistance services

Definitions applying to section 23

SECTION 21 EMERGENCY TELEPHONE CHARGES Limit of benefit we will pay

What is not covered SECTION 24 LOSS OF DOCUMENTS AND PASSPORTS

What is not covered

Limit of benefit we will pay Limit of benefit we will pay

The most we will pay is:

Limit of benefit we will pay Premier Plan $15,000

Premier Plan $750 We will not pay:

Limit of benefit we will pay

9. Currency 8. Time limit for taking legal action

POLICY OWNERS PROTECTION SCHEME

All sums in Singapore $

STANDARD PLAN ELITE PLAN PREMIER PLAN

Your Easy Guide to 24 hour Assistance and Making A Claim

MSIG Assist - Worldwide Medical & Travel Assistance

o Telephone medical advice, Medical o Hospital admission, Guarantee of

Making A Travel Insurance Claim

Your Must Have Documents for all Type of Claims

o Airline Ticket / Boarding Pass

Medical expenses, Emergency medical or Evacuation

Trip Cancellation, Postponement, Shortening of trip, Disruption, Delay

o Hotel Receipts or Travel Deposit Receipt

Baggage Loss, Loss of Money, Documents or Passport

o Obtain the Loss or Damage Irregularity Report o Police Report

o Purchase or Repair Receipts

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