TravellerShield - Travel Insurance Benefits

TravellerShield - Holiday/Trip/Travel Insurance

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Benefits at a glance

COVER          New And Improved Benefits At No Extra Cost!
Limit of Benefits Payable
Premier
Plan
Classic
Plan
Personal Accident & Medical Related Benefits
Section 1 - Personal Accident
  • each Adult Insured Person age up to 69 years
$200,000
$150,000
  • each Adult Insured Person age 70 years & above
$100,000
$50,000
  • each Child Insured Person
$50,000
$25,000
  • Maximum aggregate limit for Family Cover
$800,000
$400,000
Section 2 - Public Transport Double Indemnity
  • each Adult Insured Person age up to 69 years
$400,000
$300,000
  • each Adult Insured Person age 70 years & above
Not Covered
Not Covered
  • each Child Insured Person
$100,000
$50,000
  • Maximum aggregate limit for Family Cover
$1,600,000
$800,000
Section 3 - Medical Expenses Incurred Overseas
  • each Adult Insured Person age up to 69 years
$500,000
$300,000
  • each Adult Insured Person age 70 years & above
$100,000
$50,000
  • each Child Insured Person
$300,000
$200,000
  • Maximum aggregate limit for Family Cover
$2,000,000
$1,000,000
Section 4 - Medical Expenses Incurred In Singapore
  • each Adult Insured Person age up to 69 years
$50,000
$25,000
  • each Adult Insured Person age 70 years & above
$10,000
$5,000
  • each Child Insured Person
$25,000
$12,500
  • Maximum aggregate limit for Family Cover
$200,000
$100,000
Section 5 - Emergency Dental Treatment Overseas
  • each Insured Person
$10,000
$5,000
Section 6 - Traditional Chinese Medicine Treatment
  • each Insured Person in respect of TCM visit per day
$50 per visit
Max $750
$30 per visit
Max $300
Section 7 - Overseas Hospitalisation Daily Benefit
  • each Insured Person in respect of each full day of Hospital Confinement
$250 per day
Max $10,000
$200 per day
Max $6,000
Section 8 - Overseas ICU Hospitalisation Daily Benefit
  • each Insured Person in respect of each full day of Hospital Confinement in an ICU
$375 per day
Max $3,750
$300 per day
Max $3,000
Section 9 - Post Journey Hospitalisation Daily Benefit
  • each Insured Person in respect of each full day of Hospital Confinement
$100 per day
Max $1,000
$100 per day
Max $500
Overseas Assist Benefits
Section 10 - Emergency Medical Evacuation
  • Maximum aggregate limit
$1,000,000
$1,000,000
Section 11 - Medical & Travel Assistance Services
  • provided on referral &/or arrangement basis
Available
Available
Section 12 - Repatriation After Medical Evacuation
  • each Insured Person
$50,000
$50,000
Section 13 - Repatriation Of Mortal Remains
  • each Insured Person
$100,000
$50,000
Section 14 - Compassionate Visit By A Relative
  • each Insured Person
$10,000
$5,000
  • Maximum aggregate limit for Family Cover
$10,000
$5,000
Section 15 - Child Guard
  • each Adult Insured Person
$5,000
$3,000
  • Maximum aggregate limit for Family Cover
$5,000
$3,000
Section 16 - Emergency Telephone Charges
  • each Adult Insured Person
$250
$100
Travel Inconvenience Cover
Section 17 - Personal Liability
  • Maximum aggregate limit
$1,000,000
$500,000
Section 18 - Travel Cancellation
  • each Insured Person
$10,000
$5,000
  • Maximum aggregate limit for Family Cover
$30,000
$15,000
Section 19 - Travel Postponement
  • each Insured Person
$1,500
$750
  • Maximum aggregate limit for Family Cover
$4,500
$2,250
Section 20 - Travel Curtailment
  • each Insured Person
$10,000
$5,000
  • Maximum aggregate limit for Family Cover
$30,000
$15,000
Section 21 - Travel Disruption
  • each Insured Person
$2,000
$1,000
  • Maximum aggregate limit for Family Cover
$6,000
$3,000
Section 22 - Travel Delay
  • each Insured Person for every full 6 hours of delay
$120 / 6 hr
Max $1,200
$120 / 6 hr
Max $600
Section 23 - Flight Diversion
  • each Insured Person for every full 6 hours of delay
$120 / 6 hr
Max $1,200
$120 / 6 hr
Max $600
Section 24 - Delay Due To Hijack
  • each Insured Person for every full 6 hours of delay
$250 / 6 hr
Max $10,000
$250 / 6 hr
Max $5,000
Section 25 - Overbooking or Travel Misconnection
  • each Insured Person (exceeds 6 hours)
$200
$200
Section 26 - Loss Of Travel Document
  • each Insured Person
$5,000
$3,000
Section 27 - Baggage Including Laptop Computer
  • each Insured Person
    Subject to per article limit $500 and Laptop limit $1,000
$5,000
$3,000
Section 28 - Delayed Baggage
  • each Insured Person
$200 / 6 hr
Max $1,600
$200 / 6 hr
Max $1,000
Section 29 - Personal Money
  • each Insured Person
$500
$250
Section 30 - Home Contents
  • Maximum limit
$10,000
$5,000
Section 31 - Automatic Extension of Period of Insurance
  • 14 days if due to delay by Public Transport
Yes
Yes
  • 30 days if due to Insured Person's Injury or Illness
Yes
Yes
Section 32 - Terrorism Cover
  • each Adult Insured Person age up to 69 years
$200,000
$150,000
  • each Adult Insured Person age 70 years & above
$100,000
$50,000
  • each Child Insured Person
$50,000
$25,000
Section 33 - Passive War Extension
  • Section 1 (Personal Accident) is extended to cover sudden outbreak of War, Revolution or Civil Commotion
Yes
Yes
Bonus Cover for Premier Plan
Section 34- Kidnap Benefit
  • each Insured Person for every full 12 hours of kidnap
$250 / 12hr
Max $5,000
Not Covered
Section 35 - Rental Vehicle Excess Cover
  • each Adult Insured Person
$1,000
Not Covered
Section 36 - Additional Costs of Returning Rental Vehicle
  • each Adult Insured Person
$500
Not Covered
Section 37 - Funeral Expenses
  • each Insured Person
$5,000
Not Covered
Section 38 - Child Education Grant
  • each legal Child of an Adult Insured Person
$5,000
Max $50,000
Not Covered
Section 39 - Credit Card Loss
  • each Adult Insured Person
$2,000
Not Covered
Section 40 - Golfer's Cover
  • Golfing Equipment
$1,000
Not Covered
  • Hole-in-One
$500
Not Covered

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Limit of Amount Payable:

  • Where a claim under Section 1 and Section 2 results from the same occurrence, this Policy will only pay for the claim under either Section, but not both.
  • The maximum limit payable under Sections 3 to 6 shall be aggregated and shall not exceed the maximum limit applicable under Section 3.
  • The maximum limit for all claims under Sections 10, 12 to 16 shall not exceed the aggregate limit of $1,000,000.
  • Where a claim under Section 18 and Section 19 results from the same occurrence, this Policy will only pay for the claim under either Section, but not both.
  • Where a claim under Section 20 and 21 results from the same occurrence, this Policy will only pay for the claim under either Section, but not both.
  • Where a claim under Section 22, Section 23 and Section 24 results from the same occurrence, this Policy will only pay for the claim under one Section only.
  • Where a claim under Section 27 and Section 40 results from the same occurrence, this Policy will only pay for the claim under either Section, but not both.
  • Any payment for claim under Section 28 shall be deducted from the amount payable under Section 27 if the baggage later proves to be permanently lost.
  • With the exception of Sections 1, 2, 7, 8, 9, 22, 23, 24, 25, 28 and 34, claims under all other sections are payable on a reimbursement basis.
 

Important Notes

  1. All TravellerShield Plans are available to Singaporeans and persons ordinarily residing in Singapore (including foreigners holding work pass or work permit) for round trip commencing and returning to Singapore within the period of insurance.
  2. Adult means a person age 18 years and above at the commencement of any trip. Child means the Insured's legal child who is unmarried and unemployed, age above one month and below 18 years or up to 23 years of age if studying full time in a recognised institution of higher learning at the commencement of any trip.
  3. Family Cover means a policy issued to the Insured in respect of the Insured Persons who are travelling as a family, who may comprise the Insured, his/her legal spouse and any number of their legal Child. However, for an Annual Policy, the Insured Persons under a Family Cover are not required to travel together on a trip.
  4. For Family Cover each Insured Person is subject to the limit applicable under Individual Cover and the limit for Family Cover in the aggregate for the whole family applies (where applicable).
  5. Maximum period for any one trip is 180 consecutive days (except for annual cover in which case it is 90 consecutive days) from the departure date.
  6. Child under 12 years old must be accompanied by a parent or adult guardian during the trip.
  7. This Policy does not cover any loss, injury or liability arising directly or indirectly from circumstances or medical conditions giving rise to a claim under this Policy known to have existed prior to the Period of Insurance.
  8. If you are insured under more than one travel insurance policy underwritten by MSIG Insurance for the same trip, MSIG Insurance will only be liable for the policy which provides the highest benefits limits.
  9. For a single return trip policy, you may cancel the policy at any time prior to commencement of the Period of Insurance, provided no claim is made and MSIG Insurance will retain a minimum premium of $50.
  10. Where the Policy is for an Annual Policy, you may cancel your policy at any time during the Period of Insurance by giving 7 days written notice to MSIG Insurance and you will be entitled to a refund of premium based on short period rate for the period the policy has been in force provided no claim is made. No refund is allowed if your policy is in force for more than 180 days. MSIG Insurance may cancel the Policy at any time by giving 7 days' notice of cancellation in writing to your last known address and MSIG Insurance will in such a case return a pro rata portion of the premium for the unexpired Period of Insurance.