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TravellerShield
Benefits At A Glance
| COVER |
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 |
$100,000 |
| - 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 |
$200,000 |
| - 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 $500 |
$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 |
| OVERSEAS ASSIST BENEFITS |
| Section 8 - Emergency Medical Evacuation |
| - Maximum aggregate limit |
$1,000,000 |
$1,000,000 |
| Section 9 - Medical & Travel Assistance Services |
| - provided on referral &/or arrangement basis |
Available |
Available |
| Section 10 - Repatriation After Medical Evacuation |
| - each Insured Person |
$50,000 |
$50,000 |
| Section 11 - Repatriation Of Mortal Remains |
| - each Insured Person |
$10,000 |
$10,000 |
| Section 12 - Compassionate Visit By A Relative |
| - each Insured Person |
$5,000 |
$5,000 |
| - Maximum aggregate limit for Family Cover |
$5,000 |
$5,000 |
| Section 13 - Child Guard |
| - each Insured Person |
$5,000 |
$3,000 |
| - Maximum aggregate limit for Family Cover |
$5,000 |
$3,000 |
| TRAVEL INCONVENIENCE COVER |
| Section 14 - Personal Liability |
| - Maximum aggregate limit |
$1,000,000 |
$500,000 |
| Section 15 - Travel Cancellation |
| - each Insured Person |
$10,000 |
$5,000 |
| - Maximum aggregate limit for Family Cover |
$30,000 |
$15,000 |
| Section 16 - Travel Curtailment |
| - each Insured Person |
$10,000 |
$5,000 |
| - Maximum aggregate limit for Family Cover |
$30,000 |
$15,000 |
| Section 17 - Travel Delay |
| - each Insured Person for every full 6 hours of delay |
$120 / 6 hr
Max $1,200 |
$120 / 6 hr
Max $600 |
| Section 18 - Delay Due To Hijack |
| - each Insured Person for every full 6 hours of delay |
$250 / 6 hr
Max $5,000 |
$250 / 6 hr
Max $2,500 |
| Section 19 - Overbooking or Travel Misconnection |
| - each Insured Person (exceeds 6 hours) |
$200 |
$100 |
| Section 20 - Loss Of Travel Document |
| - each Insured Person |
$5,000 |
$3,000 |
| Section 21 - Baggage Including Laptop Computer |
- each Insured Person
Subject to per article limit $500 and Laptop limit $1,000 |
$5,000 |
$3,000 |
| Section 22 - Delayed Baggage |
| - each Insured Person |
$200 / 6 hr
Max $1,000 |
$100 / 6 hr
Max $500 |
| Section 23 - Personal Money |
| - each Insured Person |
$500 |
$250 |
| Section 24 - Home Contents |
| - Maximum limit |
$10,000 |
$5,000 |
| Section 25 - 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 |
| BONUS COVER FOR PREMIER PLAN |
| Section 26 - Kidnap Benefit |
| - each Insured Person for every full 12 hours of kidnap |
$250 / 12hr
Max $5,000 |
Not Covered |
| Section 27 - Rental Vehicle Excess Cover |
| - each Adult Insured Person |
$1,000 |
Not Covered |
| Section 28 - Additional Costs of Returning Rental Vehicle |
| - each Adult Insured Person |
$500 |
Not Covered |
| Section 29 - Funeral Expenses |
| - each Insured Person |
$3,000 |
Not Covered |
| Section 30 - Terrorism Cover |
| - each Adult Insured Person |
$200,000 |
Not Covered |
| - each Child Insured Person |
$50,000 |
Not Covered |
| - Maximum aggregate limit for Policy |
$200,000 |
Not Covered |
| Section 31 - Child Education Grant |
| - each legal Child of an Adult Insured Person |
$5,000
Max $50,000 |
Not Covered |
| Section 32 - Credit Card Loss |
| - each Adult Insured Person |
$1,000 |
Not Covered |
| Section 33 - Golfer's Cover |
| - Golfing Equipment |
$1,000 |
Not Covered |
| - Hole-in-One |
$500 |
Not Covered |
- 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 8, 10 to 13 shall not exceed the aggregate limit of $1,000,000.
- Where a claim under Section 16 and Section 18 results from the same occurrence, this Policy will only pay for the claim under either Section, but not both.
- Where a claim under Section 17 and Section 19 results from the same occurrence, the maximum we will pay will be the maximum amount payable under Section 17.
- Where a claim under Section 21 and Section 33 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 22 shall be deducted from the amount payable under Section 21 if the baggage later proves to be permanently lost.
- With the exception of Sections 1, 2, 7, 17, 18, 19, 22, 26 and 31, 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.
All currency in Singapore Dollars. |
DBS Singapore | DBS Healthcare Privileges
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