General Insurance

TravellerShield - Travel Insurance Plan

Truly enjoy your trip and spend less time worrying with TravellerShield.

Travel with a total peace of mind

Finally taking that well deserved holiday? Rushing from one flight to another for business? However you choose to travel, delays can happen. Laptops and mobile devices can be stolen. So, travel insurance should always be at the top of your pre-trip check-list.

How can TravellerShield help?

TravellerShield, a comprehensive travel insurance plan underwritten by MSIG Insurance is designed to suit all your travel patterns: Single trip, yearly coverage for the frequent traveller, individual and family options.

Key benefits and features

  • Dedicated 24-hour MSIG Assist emergency hotline at (65) 6323 8288
  • Choice of 3 plans with overseas medical expenses of up to S$1,000,000 under the Platinum Plan
  • Adventure activities coverage includes bungee jumping, skiing, scuba diving and more under Premier and Platinum Plans
  • Access up to S$1,000,000 for emergency medical evacuation to the nearest quality medical care
  • Up to S$8,000 for baggage loss

Apply Now

Product Details

 

 

Limit of Benefits Payable
Platinum
Plan
Premier
Plan
Classic
Plan

Personal Accident & Medical Related Benefits

Section 1 - Personal Accident

each Adult Insured Person age up to 69 years
S$500,000S$200,000S$150,000
each Adult Insured Person age 70 years & above
S$150,000S$100,000S$50,000
each Child Insured Person
S$100,000S$50,000S$25,000
Total limit for Family Cover
S$1,500,000S$800,000S$400,000

Section 2 - Double Cover on Public Transport

each Adult Insured Person age up to 69 years
S$1,000,000S$400,000S$300,000
each Adult Insured Person age 70 years & above
Not CoveredNot CoveredNot Covered
each Child Insured Person
S$200,000S$100,000S$50,000
Total limit for Family Cover
S$3,000,000S$1,600,000S$800,000

Section 3 - Medical Expenses Incurred Overseas

each Adult Insured Person age up to 69 years
S$1,000,000S$500,000S$300,000
each Adult Insured Person age 70 years & above
S$100,000S$100,000S$50,000
each Child Insured Person
S$300,000S$300,000S$200,000
Total limit for Family Cover
S$3,000,000S$2,000,000S$1,000,000

Section 4 - Medical Expenses Incurred In Singapore

each Adult Insured Person age up to 69 years
S$75,000S$50,000S$25,000
each Adult Insured Person age 70 years & above
S$10,000S$10,000S$5,000
each Child Insured Person
S$25,000S$25,000S$12,500
Total limit for Family Cover
S$250,000S$200,000S$100,000

Section 5 - Emergency Dental Treatment Due To Accident

each Insured Person
S$15,000S$10,000S$5,000

Section 6 - Traditional Chinese Medicine Treatment

each Insured Person in respect of TCM visit
S$750S$500S$300

Section 7 - Overseas Hospitalisation Daily Benefit

each Insured Person in respect of each full day of Hospital Confinement
S$200 per day
Max S$50,000
S$200 per day
Max S$30,000
S$200 per day
Max S$10,000

Section 8 - Overseas ICU Hospitalisation Daily Benefit

each Insured Person in respect of each full day of Hospital Confinement in an ICU
S$300 per day
Max S$6,000
S$300 per day
Max S$4,200
S$300 per day
Max S$3,000

Section 9 - Post Journey Hospitalisation Daily Benefit

each Insured Person in respect of each full day of Hospital Confinement
S$100 per day
Max S$2,000
S$100 per day
Max S$1,500
S$100 per day
Max S$500

Overseas Assist Benefits

Section 10 - Emergency Medical Evacuation

Maximum limit
S$1,000,000S$1,000,000S$1,000,000

Section 11 - Medical & Travel Assistance Services

provided on referral &/or arrangement basis
AvailableAvailableAvailable

Section 12 - Repatriation After Medical Evacuation

each Insured Person
S$50,000S$50,000S$50,000

Section 13 - Repatriation Of Mortal Remains

each Insured Person
S$100,000S$100,000S$50,000

Section 14 - Hospital Visit By A Relative

each Insured Person
S$15,000S$10,000S$5,000
Total limit for Family Cover
S$15,000S$10,000S$5,000

Section 15 - Child Guard

each Adult Insured Person
S$10,000S$5,000S$3,000
Total limit for Family Cover
S$10,000S$5,000S$3,000

Section 16 - Emergency Telephone Charges

each Insured Person
S$300S$250S$100

Travel Inconvenience Cover

Section 17 - Personal Liability

Maximum limit
S$1,000,000S$1,000,000S$500,000

Section 18 - Travel Cancellation

each Insured Person
S$15,000S$10,000S$5,000
Total limit for Family Cover
S$45,000S$30,000S$15,000

Section 19 - Insolvency of Travel Agency

each Insured Person
S$10,000S$5,000S$3,000
Total limit for Family Cover
S$40,000S$20,000S$12,000

Section 20 - Travel Postponement

each Insured Person
S$2,000S$1,500S$750
Total limit for Family Cover
S$6,000S$4,500S$2,250

Section 21 - Travel Curtailment

each Insured Person
S$15,000S$10,000S$5,000
Total limit for Family Cover
S$45,000S$30,000S$15,000

Section 22 - Travel Disruption

each Insured Person
S$2,500S$2,000S$1,000
Total limit for Family Cover
S$7,500S$6,000S$3,000

Section 23 - Travel Delay

each Insured Person (max S$100 for delay in Singapore)
S$100 / 6hr
Max S$2,000
S$100 / 6 hr
Max S$1,600
S$100 / 6 hr
Max S$1,200

Section 24 - Flight Diversion

each Insured Person for every full 6 hours of delay
S$120 / 6 hr
Max S$1,800
S$120 / 6 hr
Max S$1,200
S$120 / 6 hr
Max S$600

Section 25 - Delay Due To Hijack

each Insured Person
S$250 / 6 hr
Max S$15,000
S$250 / 6 hr
Max S$10,000
S$250 / 6 hr
Max S$5,000

Section 26 - Overbooking or Travel Misconnection

each Insured Person (exceeds 6 hours)
S$200S$200S$200

Section 27 - Loss Of Travel Document

each Insured Person
S$5,000S$5,000S$3,000

Section 28 - Baggage Including Laptop Computer & Mobile Device

each Insured Person
Subject to per article limit S$500 and Laptop limit S$1,000
S$8,000S$5,000S$3,000

Section 29 - Delayed Baggage

each Insured Person (max S$200 for delay in Singapore)
S$200 / 6 hr
Max S$2,000
S$200 / 6 hr
Max S$1,600
S$200 / 6 hr
Max S$1,200

Section 30 - Personal Money

each Insured Person
S$500S$500S$250

Section 31 - Home Contents

Maximum limit
S$15,000S$10,000S$5,000

Section 32 - Automatic Extension of Period of Insurance

14 days if due to delay by Public Transport
YesYesYes
30 days if due to Insured Person's Injury or Illness
YesYesYes

Section 33 - Terrorism Cover

each Adult Insured Person age up to 69 years
S$500,000S$200,000S$150,000
each Adult Insured Person age 70 years & above
S$150,000S$100,000S$50,000
each Child Insured Person
S$100,000S$50,000S$25,000
Total limit for Family Cover
S$1,500,000S$800,000S$400,000

Section 34 - Passive War Extension

Section 1 (Personal Accident) is extended to cover sudden outbreak of War, Revolution or Civil Commotion
YesYesYes

Bonus Cover for Premier & Platinum Plans

Section 35 - Kidnap Benefit

each Insured Person for every full 12 hours of kidnap
S$250 / 12hr
Max S$7,500
S$250 / 12hr
Max S$5,000
Not Covered

Section 36 - Rental Vehicle Excess Cover

each Adult Insured Person
S$1,500S$1,000Not Covered

Section 37 - Additional Costs of Returning Rental Vehicle

each Adult Insured Person
S$1,000S$500Not Covered

Section 38 - Funeral Expenses

each Insured Person
S$5,000S$5,000Not Covered

Section 39 - Child Education Grant

each legal Child of an Adult Insured Person
S$5,000
Max S$50,000
S$5,000
Max S$50,000
Not Covered

Section 40 - Credit Card Loss

each Adult Insured Person
S$3,000S$2,000Not Covered

Section 41 - Golfer's Cover

Golfing Equipment
S$1,500S$1,000Not Covered
Hole-in-One
S$500S$500Not Covered

Section 42 - Adventurous Activities Cover

Each Insured Person
CoveredCoveredNot Covered

Buy now

There is limit of amount payable applicable under specified sections. Please refer to the policy wordings for the full details of the terms, conditions and exclusions of this insurance.

Important Notes

  1. All TravellerShield Plans are available to Singaporeans and persons ordinarily residing in Singapore (including foreigners holding an employment pass or work permit). It will only cover a round trip commencing from and returning to Singapore within the period of insurance.
  2. Adult means a person aged 18 years and above at the commencement of any trip.
  3. Child means the Insured’s legal Child who is aged above 1 month old and below 18 years. In the case of Family Cover, the Child's age is extended up to 23 years old if the Child is unmarried, unemployed and studying full time in a recognised institution of higher learning at the start of any Journey. The benefit payable will be subject to the limit for “Insured Child”.
  4. Family Cover means a policy issued to the Insured in respect of the Insured Persons who are travelling as a family, and comprise the Insured, his/her legal spouse and any number of their legal Child(ren). For an Annual Policy, the Insured Persons under a Family Cover are not required to travel together on a trip.
  5. For Family Cover, each Adult Insured Person will enjoy the benefit limit applicable under Individual Cover while each Insured Child will enjoy the Child coverage ie. subject to benefit limit for “Insured Child”. The total limit for Family Cover applies.
  6. Maximum period for each trip is 90 consecutive days and 180 consecutive days for Single Trip Plans and Annual Plans respectively.
  7. Child under 12 years old must be accompanied by a parent or adult guardian during the trip.
  8. 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.
  9. 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.
  10. For a Single Trip Policy, you may cancel the policy at any time prior to commencement of the period of insurance, provided no claims are made and MSIG Insurance will retain a minimum premium of S$50.
  11. For an Annual Policy, you may cancel the Policy at any time during the Period of Insurance by giving 7 days written notice to MSIG Insurance. If at the time of cancellation the Policy is in force for 180 days or less, you will be entitled to a refund of premium based on our short period rates (as stated in the Policy) provided no claim is made. No refund is allowed if your Policy is in force for more than 180 days.

Terms & Conditions Governing Purchase of Insurance Products from MSIG Insurance via the DBS website

Terms of Use for TravellerShield Mobile App

Disclaimers

TravellerShield is underwritten by MSIG Insurance (Singapore) Pte. Ltd. (“MSIG Insurance”) and is distributed by DBS Bank Ltd. It is not an obligation of, deposit in or guaranteed by DBS. This is not a contract of insurance. Full details of the terms, conditions and exceptions of this insurance are provided in the Policy and will be sent to you upon acceptance of your application by MSIG Insurance.

This Policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). For more information on the scheme, please visit the General Insurance Association or SDIC websites.

Promotions

Premium starts from S$15.95 for TravellerShield Single Trip Plans.

Get a Quote

Online Exclusive Promotion from 25 Nov – 31 Dec 2016*!

Single Trip Plan

45% premium discount

Annual Plan

15% premium discount
plus a free 24-inch luggage worth S$128

Buy now

* Promotion is valid from now till 31 December 2016. This promotion is applicable to new application online or via TravellerShield iPhone App only and is not valid with other TravellerShield promotion, vouchers, rebates or privileges. Promotion terms and conditions apply.

Travel must commence no later than 182 days from date of application.


Making TravellerShield Claims

MSIG takes pride in delighting customers through fair and prompt claims settlement. You can now travel assured, knowing that help is just a call away, 24 hours a day, wherever you may be.

  • For emergency assistance when overseas: Call MSIG Assist 24-hour hotline at +65 6323 8288
  • For claims assistance: Call MSIG Claims Helpline at +65 6827 7660 (Mon – Fri, 8.45am to 5.30pm)

2 easy ways to submit your claims:

  • Submit your claims online now; or
  • Download Claim Form here and send your completed Claim Form together with all supporting documents to:

    MSIG Insurance (Singapore) Pte. Ltd.
    4 Shenton Way #21-01
    SGX Centre 2
    Singapore 068807

File your claims with MSIG Insurance within 30 days after your return to Singapore.


Documents required for Claims:

 
Your “Must Have” Documents for all Type of Claims
  • Claim Form
  • Airline ticket / Boarding Pass
  • Travelling schedule
Medical Expenses, Emergency Medical or Evacuation & Repatriation
  • Original medical receipts and medical reports
Trip Cancellation, Postponement, Curtailment, Disruption, Delay or Missed Departure
  • Carrier’s letter stating reason and period of disruption
  • Hotel receipts or travel deposit receipts
Baggage Loss, Loss of Money, Documents or Passport
  • Obtain the Loss or Damage Irregularity Report from the carrier
  • Baggage Return Acknowledgement Slip
  • Police report
  • Purchase or repair receipts
  • Warranty card and photos of damaged items

TravellerShield - Travel Insurance FAQs

  1. Who can buy TravellerShield?
  2. Singaporeans, Singapore Permanent Residents, Foreigners with valid employment pass/work permit aged 18 years and above and residing in Singapore can buy TravellerShield.

    TravellerShield covers a round trip commencing from and returning to Singapore within the period of insurance.

     

  3. What is Family Cover?
  4. It provides cover for the Insured, his/her legal spouse and any number of their legal Child(ren) who are travelling as a Family.

    If you bought a Family Annual Policy, the Insured Persons under the Family Cover are not required to travel together on a Journey, but any Insured Child under the age of 12 years must be accompanied by a parent or Adult guardian for any Journey.

     

  5. What is the meaning of “Child”?
  6. “Child” means the Insured’s legal Child who is aged above 1 month old and below 18 years.

    In the case of Family Cover, the Child's age is extended up to 23 years old if the Child is unmarried, unemployed and studying full time in a recognised institution of higher learning at the start of any Journey. The benefits payable will be subject to the limit for "Insured Child".

     

  7. Can I buy TravellerShield for my Child only?
  8. Yes, you can be the applicant of your Child’s TravellerShield policy and insure your Child only.

    For Children under the age of 12 years, a parent or Adult guardian must accompany the Child during the Journey.

     

  9. If I purchase an Individual policy for my Child, what are the benefit limits applicable?
  10. If your Child is below 18 years old, he/she will be eligible for “Insured Child” coverage.

    If your Child is between 18 to 23 years old and studying full time in a recognised institution of higher learning, he/she will be eligible for “Insured Adult” coverage.

     

  11. I am above the age of 70 years old. Can I apply for TravellerShield?
  12. Yes, you are only eligible for TravellerShield Single Trip Plans and there are specified sum insured amounts for certain benefits. Please refer to the Policy for details of coverage.

     

  13. What is a Single Return Trip Policy?
  14. A Single Return Trip Policy covers the entire return trip (not exceeding 180 consecutive days) from the time the Insured Person leaves his/her home or workplace in Singapore for the sole purpose of commencing a trip abroad to 3 hours after returning to Singapore or on the expiry date of the Period of Insurance shown in the Schedule, whichever is sooner.

     

  15. What is an Annual Policy?
  16. If you travel frequently, buy an Annual Policy for attractive savings and convenience as you are automatically covered for all your trips taken during the Period of Insurance. You can make unlimited number of trips during the Period of Insurance, provided each trip does not exceed 90 consecutive days from the departure date.

    If you bought a Family Annual Policy, the Insured Persons under the Family Cover are not required to travel together on a Journey. However, any Child Insured Person under the age of 12 years must be accompanied by a parent or Adult Guardian for any Journey.

     

  17. How do I select the Travel Region if I am travelling to more than one country?
  18. We have divided the world into three areas. If you are going to more than one country, please select the furthest “Area” from Singapore in your itinerary as your destination. For example, if you are travelling to Thailand and USA, please select “Area 3” as USA is classified under Area 3.

    Area 1: Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam.
    Area 2: Australia, China (excluding Inner Mongolia and Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan, including countries in Area 1.
    Area 3: Worldwide including countries in Area1 and Area 2.

     

  19. Can I buy TravellerShield at the airport just before departing from Singapore?
  20. Yes, you can buy TravellerShield so long as you have not boarded the plane, provided at the time of applying the insurance you are not aware of any circumstances which are likely to lead to a claim.

     

  21. Are leisure activities such as winter sports, snorkelling and bungee jumping covered under TravellerShield?
  22. Yes, TravellerShield Premier and Platinum Plans cover bungee jumping, sky diving, paragliding, helicopter rides for sightseeing, hot air ballooning, jet skiing, mountaineering at mountains below the height of 3,000 metres above sea level, skiing or snowboarding within official approved areas of a ski resort, canoeing or white water rafting with a qualified guide and below Grade 4 (of International Scale of River Difficulty), and underwater activities involving artificial breathing apparatus for diving up to a maximum depth of 30 metres with a qualified diving instructor or a qualified divemaster and with recognised diving certification. These activities must be done for leisure purposes and with a licensed operator.

     

  23. Can I buy TravellerShield if I have pre-existing medical or physical conditions?
  24. Yes, you can still buy TravellerShield. However, pre-existing medical or physical conditions which required consultation or treatment during the 12 months before the start of the trip will be excluded.

     

  25. Does this Policy have any other exclusions?

    Yes, exclusions include:

    • Known events that were reported by the media, or through a travel advice issued by a local or foreign authority
    • Participation in any organised team football, speed or time trials, competitions, sprints or racing of any kind, or as a professional sportsperson who earns income, remuneration or sponsorship
    • Engagement in military services or operations, manual work, offshore work, mining, aerial photography, flying or other aerial activities (except travelling as a fare paying passenger on a commercial airline)
  26. Please refer to the Policy for full details of exclusions.

     

  27. When will I receive my Policy?
  28. Upon successful application online, a copy of the TravellerShield e-Policy will be sent to your email address indicated during your online application.

     

  29. How can I inform MSIG Insurance if I need to amend my Policy’s travel details before my trip commences and while I’m overseas?
  30. Please contact MSIG Insurance:

    Email

    : banca_d@sg.msig-asia.com

    Fax

    : +65 6827 7805

    Helpline

    : +65 6827 7607 (Business Hours: 8.45am to 5.30pm, Monday to Friday)

    24-hr MSIG Assist

    : +65 6323 8288 (Only for emergency assistance outside Business Hours)


    Before trip commences 
    You can only change the commencement date if you notify MSIG Insurance prior to the commencement of your trip or Period of Insurance, whichever is sooner, subject to an administrative charge of S$10.

    While overseas
    Only trip extension is permissible once the trip commences. It is permitted midway during travel and within the Period of Insurance provided there are no known circumstances or events likely to lead to claim, subject to a minimum premium of S$10.

     

  31. Will there be any refund of premium if I cancel my Policy?
  32. For a Single Return Trip Policy, you may cancel the Policy at any time prior to commencement of the Period of Insurance, provided no claims are made and MSIG Insurance will retain a minimum premium of S$50.

    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. If at the time of cancellation the Policy is in force for 180 days or less, you will be entitled to a refund of premium based on our short period rates (as stated in the Policy) provided no claim is made. No refund is allowed if your Policy is in force for more than 180 days.

     

  33. How do I make a claim?
    • If you are overseas and require any emergency assistance, you can call MSIG Assist 24 Hour Hotline +65 6323 8288.
    • If you wish to file a claim on your insurance, please lodge your claim with MSIG Claims Department within one month upon returning to Singapore from your overseas trip. A "Travel Insurance Claim Form" will be sent to you for completion. You may also download and print the claim form here.
    • Return the completed "Travel Insurance Claim Form" to MSIG General Claims Department together with the supporting documents. 

 

About Online Application

 

  1. What are the payment options available?

    We accept payment via MasterCard/ VISA/ AMEX credit card and DBS PayLah! mobile wallet.

    For payment using credit cards, please disable the pop-up blocker for the transaction to go through smoothly.

    For payment using DBS Paylah!, please ensure that DBS Paylah! app is installed in your smartphone with a registered wallet account.

  2.  

  3. What will be reflected on my cardholder’s credit card statement when I make payment via credit card?

    The credit card deduction will be displayed in the cardholder’s credit card statement as “MSIG Insurance”.

  4.  

  5. What is DBS PayLah!?

    DBS PayLah! is a personal mobile wallet which allows users to perform funds transfer via a mobile number. It is available to both DBS/POSB and non-DBS/POSB customers. To find out more about DBS PayLah!, click here.

  6.  

  7. How do I pay using DBS PayLah!?
    1. Select DBS Paylah! payment option at TravellerShield’s Payment Details section and on the TeleMoney Electronic Payments Page.
    2. Input your DBS PayLah! mobile number when prompted and click “Confirm”. You will be directed to your DBS PayLah! app for login.
    3. Once logged in, verify your payment details on the Review Payment Page and tap on “Pay Now”. Click on “Done” to complete the payment on the Payment Complete screen.
    4. The TeleMoney Electronic Payments Page will state that “Your Transaction is successful”. Click on “OK” to continue.
    5. You will be directed to an Acknowledgement Page showing your TravellerShield application details. At the same time, an SMS confirmation will be sent to your mobile number.
  8.  

  9. What if I have insufficient funds in my DBS PayLah! wallet?

    You will have to top up your DBS Paylah! wallet using your DBS PayLah! app before proceeding with payment. To find out how to do so, click here.

  10.  

  11. Do I need to pay an administrative fee for using DBS PayLah!?

    There is no administrative fee for paying your travel insurance premium using DBS PayLah!.

  12.  

  13. How do I know that my application has been successfully processed?

    You will receive an email and SMS acknowledgement once your payment and transaction is successfully processed.

  14.  

  15. When will I receive my policy?

    You will receive your TravellerShield policy document via your email once your application has been successfully processed. You may also download a copy of the specimen Policy terms and conditions here.

  16.  

  17. For credit card payment, who can I contact if I encounter technical problems online?

    You may send via e-mail, detailing your technical problems, to info@nets.com.sg or call NETS Call Centre at 6274 1212 during office hours.

    To enable us to serve you better, please provide the following information:

    • Date and time when error occurred
    • The error message(s) or describe the screen you encountered
    • Your Credit Card type
    • The Operating System (Windows, Macintosh, Unix) you are using
    • Browser (Microsoft Internet Explorer, Netscape Navigator)
    • Your contact number during office hours

How would you rate this page?

Thank you! We appreciate your feedback.

Any further suggestions?

500

What issues did you face today?

Any further suggestions?

500
I agree to Terms & Conditions