TravellerShield - Travel Insurance

Benefits at a glance

COVER	Limit of Benefits Payable
COVER	Premier Plan	Classic Plan
Personal Accident & Medical Related Benefits
Section 1 - Personal Accident (extended to cover sudden outbreak of War, Revolution or Civil Commotion)
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	$150 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	$225 per day Max $2,250
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 Curtailment
each Insured Person	$10,000	$5,000
Maximum aggregate limit for Family Cover	$30,000	$15,000
Section 20 - Travel Delay
each Insured Person for every full 6 hours of delay	$120 / 6 hr Max $1,200	$120 / 6 hr Max $600
Section 21 - Flight Diversion
each Insured Person for every full 6 hours of delay	$120 / 6 hr Max $1,200	$120 / 6 hr Max $600
Section 22 - 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 23 - Overbooking or Travel Misconnection
each Insured Person (exceeds 6 hours)	$200	$200
Section 24 - Loss Of Travel Document
each Insured Person	$5,000	$3,000
Section 25 - Baggage Including Laptop Computer
each Insured Person Subject to per article limit $500 and Laptop limit $1,000	$5,000	$3,000
Section 26 - Delayed Baggage
each Insured Person	$200 / 6 hr Max $1,000	$100 / 6 hr Max $500
Section 27 - Personal Money
each Insured Person	$500	$250
Section 28 - Home Contents
Maximum limit	$10,000	$5,000
Section 29 - 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 30 - 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
Bonus Cover for Premier Plan
Section 31- Kidnap Benefit
each Insured Person for every full 12 hours of kidnap	$250 / 12hr Max $5,000	Not Covered
Section 32 - Rental Vehicle Excess Cover
each Adult Insured Person	$1,000	Not Covered
Section 33 - Additional Costs of Returning Rental Vehicle
each Adult Insured Person	$500	Not Covered
Section 34 - Funeral Expenses
each Insured Person	$5,000	Not Covered
Section 35 - Child Education Grant
each legal Child of an Adult Insured Person	$5,000 Max $50,000	Not Covered
Section 36 - Credit Card Loss
each Adult Insured Person	$2,000	Not Covered
Section 37 - Golfer's Cover
Golfing Equipment	$1,000	Not Covered
Hole-in-One	$500	Not Covered

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 19 and Section 22 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, the maximum we will pay will be the maximum amount payable under Section 20 or Section 21, but not both.
Where a claim under Section 25 and Section 37 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 26 shall be deducted from the amount payable under Section 25 if the baggage later proves to be permanently lost.
With the exception of Sections 1, 2, 7, 8, 9, 20, 21, 22, 23, 26, and 32, claims under all other sections are payable on a reimbursement basis.

Important Notes

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.
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.
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.
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).
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.
Child under 12 years old must be accompanied by a parent or adult guardian during the trip.
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.
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.
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.
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.