TravelEasy®
Travel Insurance
Product Description
Enhanced with more COVID-19 benefits! Provides cover for over 50 benefits and COVID-19 coverage for overseas medical and evacuation, travel cancellation and travel postponement.
Key features
- Comprehensive cover with over 50 benefits! TravelEasy protects your losses from travel cancellation to flight delays, stolen travel documents, overseas medical expenses incurred due to accidental injuries or onset of sickness*, and follow-up medical treatment after your trip.
- COVID-19 travel insurance coverage is automatically included for Single Trips and Annual Plans. (For more details, please refer to our COVID-19 Cover FAQs.)
- Single or annual travel insurance plans are available for individual or family cover
* TravelEasy policy excludes cover for pre-existing medical conditions. This special cover can be purchased under TravelEasy Pre-Ex policy for single trip only.
TravelEasy® insurance plan highlights
Replacement of Traveller
Pays for the charges incurred for change of traveller due to you or insured person not being able to travel for the trip as a result of serious injury, illness, death or that of the family members or travel companion 30 days prior to the trip.
Emergency Medical Evacuation
Getting sufficient emergency medical evacuation coverage under your travel insurance plan is critical. Across all TravelEasy plan types, emergency medical evacuation and repatriation is at a high limit of $1,000,000.
Insolvency of Licensed Travel Operator
Don’t allow yourself to be stranded when your travel operator goes bankrupt overnight! Our travel insurance provides cover for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies).
Delayed Departure
MSIG’s travel insurance plan pays for additional administrative and travel expenses incurred to book alternative transport to the same destination should there be delays to the public transport due to strike, riot, civil commotion, poor weather conditions, natural disasters, breakdown of public transport or closure of airport.
Getting single or annual travel insurance has never been easier! Buy online and receive your e-policy instantly!
Our travel emergency hotline ensures there is always someone to connect you to medical care and evacuation, no matter which time zone you are in.
Save time by submitting your travel insurance claim online! We keep our process as simple as possible to bring your claim to a fair settlement.
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Plan details
BENEFITS SUMMARY | Sum insured per trip | |||||
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Standard Plan | Elite Plan | Premier Plan | ||||
Pre-trip benefits
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SECTION 21 – Travel cancellation |
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Insured person | $3,000 | $4,000 | $5,000 | |||
Total for adult and children cover | $4,500 | $6,000 | $7,500 | |||
Total for family cover | $7,500 | $10,000 | $12,500 | |||
SECTION 22 – Travel postponement |
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Insured person | $500 | $1,000 | $1,500 | |||
Total for adult and children cover | $750 | $1,500 | $2,250 | |||
Total for family cover | $1,250 | $2,500 | $3,750 | |||
SECTION 23 – Replacement of traveller |
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Insured person | $500 | $750 | $1,000 | |||
Total for adult and children cover | $750 | $1,125 | $1,500 | |||
Total for family cover | $1,250 | $1,875 | $2,500 | |||
During trip benefits
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SECTION 6 – Overseas medical expenses |
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Adult aged below 70/child under individual cover | $75,000 | $150,000 | $250,000 | |||
Adult aged 70 and above | $37,500 | $75,000 | $125,000 | |||
Child under adult and children/family cover | $37,500 | $75,000 | $125,000 | |||
Total for adult and children cover | $150,000 | $300,000 | $500,000 | |||
Total for family cover | $225,000 | $450,000 | $750,000 | |||
SECTION 15 – Medical and travel assistance services |
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Adult/child | Included | |||||
SECTION 16 – Emergency medical evacuation and repatriation |
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Adult/child | $1,000,000 | $1,000,000 | $1,000,000 | |||
Total for adult and children cover | $1,500,000 | $1,500,000 | $1,500,000 | |||
Total for family cover | $3,000,000 | $3,000,000 | $3,000,000 | |||
SECTION 24 – Replacement of employee (for corporate policyholders only) |
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Adult/child | $1,000 | $1,500 | $2,000 | |||
SECTION 29 – Shortening the trip |
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Adult/child | $3,000 | $4,000 | $5,000 | |||
Total for adult and children cover | $4,500 | $6,000 | $7,500 | |||
Total for family cover | $7,500 | $10,000 | $12,500 | |||
SECTION 30 – Travel disruption |
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Adult/child | $1,000 | $2,000 | $3,000 | |||
Total for adult and children cover | $1,500 | $3,000 | $4,500 | |||
Total for family cover | $2,500 | $5,000 | $7,500 | |||
SECTION 31 – Automatic extension of cover |
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Adult/child | Included | |||||
Overseas quarantine daily benefit |
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Adult/child under individual cover | $50 per day Max $700 |
$100 per day Max $1,400 |
$100 per day Max $1,400 |
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Child under adult and children/family cover | $25 per day Max $350 |
$50 per day Max $700 |
$50 per day Max $700 |
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Total for adult and children cover | $1,050 | $2,100 | $2,100 | |||
Total for family cover | $1,750 | $3,500 | $3,500 |
Eligibility
Person who is more than 1 month old and is Singaporean, permanent resident or foreigner holding valid employment, work permit or long-term pass issued by the Singapore government and is residing in Singapore.
Adults aged 70 years and above are eligible for single trip cover for all plans. They are not eligible for annual policies. However, if an annual policy was incepted before aged 70, renewal is granted up to 80 years for the Standard plan only.
Important conditions for cover to operate
- Trip must start and end in Singapore.
- Policyholder and insured person are not aware of any circumstances which are likely to lead to a claim at the time of arranging the trip or purchasing the travel insurance policy.
- Cover must be purchased before departure from Singapore.
- Child under 12 years old must be accompanied by a parent or adult guardian during the trip.
- Insured person must not have been refused cover or had special terms placed on them, unless declared and accepted in writing by us.
- Insured person is in good health, not travelling against the advice of a doctor and not travelling for the purpose of seeking treatment overseas.
TravelEasy does not cover
- Pre-existing medical conditions.
- Known events that have already happened or have been made known by the media or authorities.
- Travel against travel advisory issued by the government.
- War, nuclear/radioactive contamination.
- Please refer to policy wordings for more details.
Overall compensation limit for Group cover
The total limit for all persons travelling in one aircraft or surface transport vehicle or vessel is limited to $15,000,000. If the total claim amount for all persons exceeds $15,000,000, we will pay each person a percentage of the benefit due for that person.
The total limit for terrorism cover for all persons is $5,000,000 per event regardless of the mode of transport. If the total claim amount exceeds $5,000,000, we will pay each person a percentage of the benefit due for that person.
Footnotes
1The limits under Adult & children/Family cover are subject to individual cover limits for each insured person.
2Public transportation refers to any licensed and scheduled land, sea or air transport which has fixed and established routes and which any member of the public can join at a recognised stop and pay a fare. This excludes taxis, and private hire vehicles such as buses or coaches that are chartered or arranged as part of a tour even if the services are regularly scheduled.
Benefits Summary |
Sum Insured | |||||
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Standard Plan | Elite Plan | Premier Plan | ||||
Individual | Adult & Children/Family (in total)1 |
Individual | Adult & Children/Family (in total)1 |
Individual | Adult & Children/Family (in total)1 |
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Limit of Benefits | ||||||
SECTION 1Accidental death and permanent total disability |
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Adult below 70 years | $150,000 | $400,000 | $200,000 | $550,000 | $500,000 | $1,200,000 |
Adult 70 years & above | $50,000 | $75,000 | $100,000 | |||
Child | $50,000 | $75,000 | $100,000 | |||
SECTION 2Public transport double coverDeath arising from public transportation2 accident. |
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Adult below 70 years | Not covered | $400,000 | $1,100,000 | $1,000,000 | $2,400,000 | |
Adult 70 years & above | Not covered | Not covered | ||||
Child | $150,000 | $200,000 | ||||
SECTION 3Funeral expenses due to an accidentCovers funeral expenses for death due to accident overseas. |
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Adult | $3,000 | $6,000 | $5,000 | $10,000 | $8,000 | $16,000 |
Child | $750 | $1,250 | $2,000 | |||
SECTION 4Child education grantLump sum payment for each child upon accidental death of a covered parent. |
Not covered | $5,000 each child, Up to $20,000 |
$8,000 each child, Up to $32,000 |
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SECTION 5Family assistance benefitLump sum payment upon accidental death of a covered parent. |
Not covered | $3,000 | $6,000 | $5,000 | $10,000 |
Benefits Summary |
Sum Insured | |||||
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Standard Plan | Elite Plan | Premier Plan | ||||
Individual | Adult & Children/Family (in total)1 |
Individual | Adult & Children/Family (in total)1 |
Individual | Adult & Children/Family (in total)1 |
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Limit of Benefits | ||||||
SECTION 6Overseas medical expenses |
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Adult below 70 years | $250,000 | $800,000 | $500,000 | $1,400,000 | $1,000,000 | $2,600,000 |
Adult 70 years & above | $50,000 | $75,000 | $100,000 | |||
Child | $150,000 | $200,000 | $300,000 | |||
SECTION 7Emergency dental expenses |
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Adult | $5,000 | $10,000 | $10,000 | $20,000 | $15,000 | $30,000 |
Child | $1,250 | $2,500 | $3,750 | |||
SECTION 8Medical expenses in SingaporeTreatment within 72 hours of return to Singapore. |
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Adult below 70 years | $25,000 | $70,000 | $50,000 | $140,000 | $75,000 | $210,000 |
Adult 70 years & above | $5,000 | $7,500 | $10,000 | |||
Child | $10,000 | $20,000 | $30,000 | |||
SECTION 9Mobility aid reimbursement |
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Adult | $1,000 | $2,000 | $3,000 | $6,000 | $5,000 | $10,000 |
Child | $250 | $750 | $1,250 | |||
SECTION 10Traditional Chinese Medicine expenses |
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Adult | $200 | $600 | $400 | $1,300 | $600 | $1,800 |
Child | $100 | $250 | $300 | |||
SECTION 11Maternity medical expenses overseas |
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Adult | Not covered | $2,000 | $3,000 | |||
SECTION 12Overseas hospitalisation daily benefit |
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Adult | $200 per day Max. $20,000 |
$50,000 | $250 per day Max. $37,500 |
$100,000 | $300 per day Max. $60,000 |
$150,000 |
Child | $100 per day Max. $5,000 |
$125 per day Max. $12,500 |
$150 per day Max. $15,000 |
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SECTION 13Overseas ICU hospitalisation daily benefit |
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Adult | Not covered | $350 per day Max. $3,500 |
$10,000 | $400 per day Max. $4,000 |
$12,000 | |
Child | $150 per day Max. $1,500 |
$200 per day Max. $2,000 |
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SECTION 14Hospitalisation daily benefit in SingaporeEach day of hospital confinement in Singapore. |
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Adult | $100 per day Max. $500 |
$1,300 | $100 per day Max. $1,000 |
$2,500 | $100 per day Max. $2,000 |
$5,000 |
Child | $50 per day Max. $150 |
$50 per day Max. $250 |
$50 per day Max. $500 |
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SECTION 15Medical and travel assistance services |
Available | Available | Available | |||
SECTION 16Emergency medical evacuation and repatriationa) Emergency medical evacuation. |
$1,000,000 | $1,000,000 | $1,000,000 | |||
SECTION 17Compassionate and hospital visitImmediate family member to travel to and accompany an insured person during his/her hospitalisation or death of an insured person outside of Singapore. |
$5,000 | $12,500 | $10,000 | $25,000 | $15,000 | $37,500 |
SECTION 18Child guardA relative to travel to and accompany minor children back to Singapore. |
$5,000 | $12,500 | $10,000 | $25,000 | $15,000 | $37,500 |
SECTION 19Emergency telephone charges |
$100 | $250 | $200 | $500 | $300 | $750 |
Benefits Summary |
Sum Insured | ||||||
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Standard Plan | Elite Plan | Premier Plan | |||||
Individual | Adult & Children/Family (in total)1 |
Individual | Adult & Children/Family (in total)1 |
Individual | Adult & Children/Family (in total)1 |
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Limit of Benefits | |||||||
SECTION 20Insolvency of licensed travel operatorPays for pre-paid travel fare and deposits in the event of bankruptcy or insolvency of a Singapore Tourism Board (STB) licensed travel agency in Singapore. |
$2,000 | $4,000 | $4,000 | $8,000 | $6,000 | $12,000 | |
SECTION 21Travel cancellationa) Death, serious injury or serious illness of insured person, family member or travel companion; or |
$5,000 | $12,500 | $10,000 | $25,000 | $15,000 | $37,500 | |
SECTION 22Travel postponementa) Death, serious injury or serious illness of insured person, family member or travel companion; or |
$750 | $1,875 | $1,500 | $3,750 | $2,000 | $5,000 | |
SECTION 23Replacement of traveller |
$500 | $1,250 | $750 | $1,875 | $1,000 | $2,500 | |
SECTION 24Replacement of employee |
$5,000 | $10,000 | $15,000 | ||||
SECTION 25Delayed departurePays benefit for every 6 hours of delay or expenses for alternative travel arrangement. |
$100 Max. $500 |
$1,000 | $100 Max. $1,000 |
$2,000 | $100 Max. $1,500 |
$3,000 | |
SECTION 26Flight diversionPays benefit for every 6 hours of delay due to natural disaster, poor weather conditions, emergency medical treatment for a fellow passenger or mechanical breakdown of the aircraft. |
$100 Max. $500 |
$1,000 | $100 Max. $1,000 |
$2,000 | $100 Max. $1,500 |
$3,000 | |
SECTION 27Overbooked flightOverbooked flight with no onward travel transportation available for every 6 hours of delay after travel agent or airline flight confirmation. |
$100 Max. $200 |
$400 | $150 Max. $300 |
$600 | $200 Max. $400 |
$800 | |
SECTION 28Missed travel connectionMissed travel connection with no onward travel transportation available for every 6 hours of delay after an insured person’s late arrival. |
$100 Max. $200 |
$400 | $150 Max. $300 |
$600 | $200 Max. $400 |
$800 | |
SECTION 29Shortening the tripa) Death, serious injury or serious illness of insured person, family member or travel companion; or |
$5,000 | $12,500 | $10,000 | $25,000 | $15,000 | $37,500 | |
SECTION 30Travel disruptiona) Death, serious injury or serious illness of insured person, family member or travel companion; or |
$1,000 | $2,500 | $2,000 | $5,000 | $3,000 | $7,500 | |
SECTION 31Automatic extension of coverPublic transport delay or bodily injury/illness. |
Yes | Yes | Yes | ||||
SECTION 32Delayed baggageA lump sum payment for every 6 hours of baggage delay. |
$150 Max. $600 |
$1,200 | $200 Max. $1,000 |
$2,000 | $250 Max. $1,500 |
$3,000 | |
SECTION 33BaggagePersonal baggage and personal effects. Limit: $500 per article, pair or set of items and $1,000 for one unit laptop computer. |
$3,000 | $6,000 | $5,000 | $10,000 | $7,500 | $15,000 | |
SECTION 34Wedding clothing and accessoriesBridal and ceremonial attire, wedding rings, jewellery and wedding accessories. |
Not covered | $2,500 | $3,500 | ||||
SECTION 35Loss of travel documentsCost of replacing loss of travel documents. |
$2,000 | $4,000 | $3,000 | $6,000 | $5,000 | $10,000 | |
SECTION 36Personal moneyLoss of cash and travellers’ cheques due to robbery, burglary, or theft outside Singapore. |
$100 | $300 | $500 | ||||
SECTION 37Fraudulent use of credit card |
Not covered | $2,000 | $3,000 | ||||
SECTION 38Credit card outstanding balanceCovers the outstanding balance of the insured person’s credit card incurred up to the date of the accident. |
Not covered | $2,000 | $3,000 |
Benefits Summary |
Sum Insured | |||||
---|---|---|---|---|---|---|
Standard Plan | Elite Plan | Premier Plan | ||||
Individual | Adult & Children/Family (in total)1 |
Individual | Adult & Children/Family (in total)1 |
Individual | Adult & Children/Family (in total)1 |
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Limit of Benefits | ||||||
SECTION 39Personal liabilityLegal liability for overseas accidents resulting in bodily injuries or damage to property of third parties. |
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Adult | $500,000 | $500,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
Child | $250,000 | $500,000 | $500,000 | |||
SECTION 40Legal expenses for wrongful arrest or detention |
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Adult | Not covered | $5,000 | $5,000 | $10,000 | $10,000 | |
Child | $5,000 | $10,000 |
Benefits Summary |
Sum Insured | |||||
---|---|---|---|---|---|---|
Standard Plan | Elite Plan | Premier Plan | ||||
Individual | Adult & Children/Family (in total)1 |
Individual | Adult & Children/Family (in total)1 |
Individual | Adult & Children/Family (in total)1 |
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Limit of Benefits | ||||||
SECTION 41Adventurous activities coverBungee jumping, tandem sky diving, tandem paragliding, hot air ballooning, jet skiing, white-water rafting, diving, tobogganing, dogsledding, ice skating and other activities listed in the policy. |
Not covered | Yes | Yes | |||
SECTION 42Golfer’s cover |
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Damage or loss of golf equipment (except while in use). | Not covered | $1,000 | $1,500 | |||
Unused green fees due to injury or illness. | $500 | $750 | ||||
Hole-in-one. | $500 | $750 | ||||
SECTION 43Unused entertainment ticketCovers cost of pre-paid unused entertainment ticket to theme parks, performances, concerts, and sports events due to death, serious injury or serious illness. |
Not covered | $300 | $600 | $500 | $1,000 | |
SECTION 44Rental vehicle excessReimburses the excess or deductible paid for accidental loss of or damage to a rental vehicle under the car rental agreement. |
Not covered | $1,000 | $1,500 | |||
SECTION 45Returning a rental vehicleCost of returning a rental vehicle due to accidental injury or illness of an insured person. |
Not covered | $500 | $750 | |||
SECTION 46Home contentsLoss of or damage to contents in the home of an insured person in Singapore due to fire or burglary. |
Not covered | $10,000 | $15,000 | |||
SECTION 47Domestic pets careContinued stay of pet at the pet hotel due to injury or illness of the insured person overseas or delay of public transport. |
Not covered | $50 per day Max. $500 |
$75 per day Max. $750 |
Benefits Summary |
Sum Insured | |||||
---|---|---|---|---|---|---|
Standard Plan | Elite Plan | Premier Plan | ||||
Individual | Adult & Children/Family (in total)1 |
Individual | Adult & Children/Family (in total)1 |
Individual | Adult & Children/Family (in total)1 |
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Limit of Benefits | ||||||
SECTION 48Terrorism coverActs of terrorism (excluding biological, chemical and nuclear devices) outside Singapore. |
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Adult below 70 years | $200,000 | $800,000 | $300,000 | $1,200,000 | $500,000 | $2,000,000 |
Adult 70 years & above | ||||||
Child | ||||||
SECTION 49Passive warApplies to Section 1 only – Accidental death and permanent total disability. |
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Adult below 70 years | $150,000 | $400,000 | $200,000 | $550,000 | $500,000 | $1,200,000 |
Adult 70 years & above | $50,000 | $75,000 | $100,000 | |||
Child | $50,000 | $75,000 | $100,000 | |||
SECTION 50Hijack of public transportHijack of every 6 hours of the public transport the insured person is travelling on. |
$100 Max. $2,000 |
$5,000 | $200 Max. $4,000 |
$10,000 | $300 Max. $6,000 |
$15,000 |
SECTION 51Kidnap and hostageKidnap or holding hostage of an insured person for every 6 hours. |
$100 Max. $2,000 |
$5,000 | $200 Max. $4,000 |
$10,000 | $300 Max. $6,000 |
$15,000 |
1The limits under adult & children/family cover are subject to individual cover limits for each insured person.
2Public transportation excludes taxis, a rented vehicle, vehicle on hire, ride-hailing services, tour coach or any mode of transportation chartered or arranged for the tour.
No. | Questions & Answers | |
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1 |
Who is eligible for COVID-19 Cover? A traveller who fulfils all the conditions below:
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2 |
Am I covered for medical expenses if I am diagnosed with COVID-19 while overseas? If you are diagnosed with COVID-19 while overseas within the first 90 days of the trip, medical expenses will be covered for up to 60 days from the date you were diagnosed by a doctor or government-approved personnel under Section 6 (Overseas medical expenses) of COVID-19 Cover. You must submit documentary proof showing the date you have taken the COVID-19 test and were diagnosed positive. |
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3 |
Am I covered for medical expenses if I tested positive for COVID-19 within 72 hours of returning to Singapore? We do not pay for COVID-19 medical expenses incurred in Singapore. |
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4 |
Am I covered for travel cancellation or travel postponement if I am diagnosed with COVID-19 in Singapore? Yes, we pay either under Section 21 (Travel cancellation), Section 22 (Travel postponement), or Section 23 (Replacement of traveller) under COVID-19 Cover if you are unexpectedly and unavoidably prevented from commencing the journey due to any of the following insured events which take place within 30 days before the start of the journey:
However, we will pay claims under travel cancellation and travel postponement provided you and your travel companion meet these conditions:
The above conditions are not applicable if you purchase the policy more than 30 days before the scheduled departure date of the trip. If any of the conditions above are not met, we will not pay a claim under Section 21 (Travel Cancellation), 22 (Travel Postponement) and 23 (Replacement of Traveller). The other sections of the policy will still cover you for the trip. |
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5 |
Are there any situations where claims are not payable? COVID-19 Cover will not pay claims due to reasons listed under exclusions such as:
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6 |
If there are changes to the travel advisory during my travel, can I claim under Section 21 (Shortening the trip) or Section 22 (Travel disruption)? We do not cover if there are changes in travel advisory or restrictions, travel arrangements, or COVID-19 prevention measures issued by any government or authority relating to epidemic or pandemic at your planned destination or Singapore. |
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7 |
If there are changes to the travel advisory during my travel, and I contracted COVID-19, am I covered? Yes, you will be covered for sections listed under "During the trip" benefits of COVID-19 Cover, if you are tested positive for COVID-19 by a doctor or government-approved personnel during the first 90 days of the trip overseas, subject to the policy and COVID-19 Cover terms and conditions. |
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8 |
I have recovered from COVID-19. Is it considered a pre-existing medical condition? If you tested negative by a doctor of government-approved personnel and no longer have any COVID-19 symptoms such as cough, runny nose, or shortness of breath, it will not be considered as a pre-existing medical condition. However, please note that under Section 21 (Travel cancellation), Section 22 (Travel postponement) and Section 23 (Replacement of traveller), you and your travel companion must meet these conditions if the policy is purchased within 30 days before the start of the trip.
If any of the conditions above are not met, we will not pay a claim under Section 21 (Travel Cancellation), 22 (Travel Postponement) and 23 (Replacement of Traveller). The other sections of the policy will still cover you for the trip. |
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9 |
I have tested positive on arrival overseas but have no/mild symptoms and they are sending me to a COVID-19 facility/government-approved hotel to quarantine for 10 days. Am I covered for this? If you tested positive by a doctor or government-approved personnel within the first 90 days of the trip overseas and are required to undergo quarantine, we will pay a daily allowance under Overseas Quarantine Daily Benefit of COVID-19 Cover, for each 24-hour period of quarantine at a government-approved hotel or COVID-19 medical facility, up to 14 days to defray the cost of your quarantine. If you incur lost or additional travel and accommodation expenses for changes or disruption to your original planned trip due to quarantine, we will pay from either Section 29 (Shortening the trip) or Section 30 (Travel disruption) under COVID-19 Cover, subject to policy terms and conditions. |
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10 |
I am on a trip with a group of travel companions, and we are insured under the same policy. I am denied boarding the plane at the overseas destination due to COVID-19 symptoms while the rest are not. Are we covered for this? If you are denied boarding within the first 90 days of the trip overseas due to COVID-19 symptoms and subsequently tested positive for COVID-19 within 5 days, we will pay the lost or additional travel and accommodation expenses incurred by you for changes or disruption to your original planned trip from either Section 29 (Shortening the trip) or Section 30 (Travel disruption) under COVID-19 Cover. If you are required to undergo quarantine, we will pay a daily allowance under the Overseas Quarantine Daily Benefit of COVID-19 Cover, for each 24-hour period of quarantine at a government-approved hotel or COVID-19 medical facility, up to 14 days, to help defray the cost of quarantine. If your travel companion decides to make changes to their trip due to your situation, we will pay 50% of their lost or additional travel and accommodation expenses incurred by your travel companion for changes or disruption to their original planned trip from either Section 29 (Shortening the trip) or Section 30 (Travel disruption) under COVID-19 Cover. |
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11 |
How can I be covered for pre-existing medical condition? For travel insurance which covers pre-existing medical condition, you may purchase our TravelEasy Pre-Ex policy. Please note our TravelEasy Pre-Ex does not cover for claims relating to COVID-19.
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No. | Questions & Answers | |
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1 |
How can I obtain an unencrypted (non-password protected) TravelEasy ePolicy for submission to the authorities of the country I am travelling to? You may download an unencrypted copy of your TravelEasy ePolicy from mConnect Customer Portal. |
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2 |
When does the travel insurance cover commence and end for each trip? Cover starts from the time you leave your home or workplace in Singapore to begin the trip abroad and ends 3 hours after your return to Singapore or on the expiry of your travel insurance, whichever is sooner. |
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3 |
Can foreigners purchase travel insurance? Foreigners holding an employment pass or work permit and living in Singapore can apply so long as it is for a round trip commencing from and returning to Singapore within the period of your travel insurance. |
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4 |
Can a person aged 70 years and above buy travel insurance for a single trip or an annual travel plan? Single Trip – Yes, all plans |
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5 |
Are there any countries excluded from cover? All countries are covered unless expressly excluded. |
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6 |
Does TravelEasy provide cover for cruise travels? Yes, TravelEasy covers your cruise trip departing from Singapore or an overseas country, as long as your entire trip begins and ends in Singapore. Please select the region of travel based on the furthest destination of your entire trip. For cruise to nowhere departing from Singapore, i.e. the cruise is not making any stopover at any port/country, you may purchase the trip under Area A. |
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7 |
Can I extend the period of cover if I decide to extend my trip whilst overseas? Extension of the travel insurance period of cover is permitted midway during travel and applied during the period of travel insured, provided there are no known circumstances or events likely to lead to a claim, subject to a minimum premium of $10. Please email to [email protected] with the following information:
We will reply to your email within 3 working days on the additional premium payable if we agree with the extension and will only proceed with the extension upon receipt of your payment. |
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8 |
If I decide not to proceed with my trip, can I recover the premium paid for my TravelEasy policy? You will be entitled to a refund of the travel insurance premium provided there is no claim under the policy and travel has not commenced. The refund premium allowed shall be the balance after taking into account the minimum retained premium of $50. If your policy premium is $50 and below, there is no refund. |
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9 |
If I did not seek medical treatment for an injury or illness during my overseas travel, can l recover medical expenses incurred in Singapore after my return to Singapore? Yes, provided it is not a pre-existing medical condition and the injury or illness occurred during the overseas travel. Medical treatment must be sought within 72 hours after your return to Singapore and incurred within 30 days from the date you return to Singapore. |
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10 |
What do you mean by public transport under the public transport double cover? Public transport means any licensed and scheduled land, sea or air transport which has a fixed and established route and which any member of the public can join at a recognised stop and pay a fare. This excludes taxis, and private hire vehicles such as buses or coaches that are chartered or arranged as part of a tour even if the services are regularly scheduled. |
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11 |
Are there any differences between family cover and group cover? The differences between family cover and group cover are:
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12 |
Does MSIG's travel insurance provide cover if the travel agency goes bankrupt? TravelEasy will cover all irrecoverable costs up to the plan limit if a Singapore Tourism Board (STB) registered and Singapore licensed travel agency becomes insolvent before the start of your trip provided that the travel insurance is bought at least 3 days before the departure date and the insolvency does not take place before you purchase your travel insurance policy. |
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13 |
Which Travel Area (A, B or C) should I choose if I am going to multiple countries? If you are travelling to more than one country, please select the region of travel based on the furthest destination from Singapore. For example, if you are travelling to Thailand and USA, please select Area C (Worldwide). If you are travelling to Thailand and returning to Singapore before setting off to USA, it will be considered as two trips and you will need to purchase two travel insurance policies to cover each trip separately. |
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14 |
My child is above 18 years old and is now waiting for examination results. Can he/she be insured under Family/Adult & Child cover? Your child can be insured under Family/Adult & Child cover as long as he/she meets these criteria before the start of the trip:
A recognised institution of higher learning refers to schools which are licensed by the Government of the country to provide post-secondary or higher education. |
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15 |
My child is below 18 years old and is no longer studying. Can he/she be insured under the Family/Adult & Child cover? Your child can be insured under Family/Adult & Child cover as he/she has met our policy definition for ‘child’ who must be above 1 month old and below 18 years old. It does not matter if your child is currently studying, married, working, serving National Service or is waiting to be enlisted as long as he/she falls within the stated age criteria.
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Premium Rates
For the “Adult & Child(ren)” cover option (i.e. only one of the parents is travelling with children), the premium is 75% of the Family cover’s premium.
(rounded down to the nearest fifty cents)
Area ABrunei, Cambodia, Indonesia, Laos, East and West Malaysia, Myanmar, Philippines, Thailand and Vietnam. |
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Standard | Elite | Premier | ||||
Single Trip | Individual | Family | Individual | Family | Individual | Family |
First 3 days | $38 | $96 | $52.50 | $121 | $74 | $174 |
Daily rate | $6 | $13 | $7.50 | $16.50 | $10.50 | $21 |
Annual plan | $289 | $579 | $399 | $752 | $559 | $926 |
Area BAustralia, China (excluding Inner Mongolia and Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan and including countries in Area A. |
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Standard | Elite | Premier | ||||
Single Trip | Individual | Family | Individual | Family | Individual | Family |
First 3 days | $46 | $116 | $66 | $167 | $96.50 | $227 |
Daily rate | $7.50 | $15 | $10 | $20.50 | $12.50 | $25.50 |
Annual plan | $347 | $643 | $450 | $823 | $617 | $1,029 |
Area CWorldwide including countries in Areas A and B. |
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Standard | Elite | Premier | ||||
Single Trip | Individual | Family | Individual | Family | Individual | Family |
First 3 days | $73.50 | $186 | $99 | $234 | $132.50 | $305 |
Daily rate | $12 | $21.50 | $14 | $27.50 | $19 | $34.50 |
Annual plan | $523 | $882 | $658 | $1,086 | $882 | $1,357 |
Plans
Single Return Trip
Provides cover for an individual, group or family for a trip up to maximum duration of 182 days.
All travellers on the same trip must have the same departing and returning date.
Annual plan
Provides cover for individual or family for unlimited number of trips in a year with maximum duration of 90 days for each trip.
Travellers under the same policy need not travel together.
For all plan types, a child under the age of 12 years must be accompanied by a parent or adult guardian during the trip.
Cover types
Individual
- Covers one traveller for the trip.
- Available for Single Return Trip and Annual plan.
Group
- Suitable for groups of friends, students or relatives.
- Covers for 2 or more travellers who are travelling together on the same trip.
- The child is covered based on child benefits.
- Available for Single Return Trip.
Adult & Children
- Covers for one parent and up to 6 of his/her biological or legally adopted children travelling for the same trip.
- Available for Single Return Trip and Annual plan.
Family
- Covers for husband, wife and up to 5 of his/her biological or legally adopted children travelling for the same trip.
- Available for Single Return Trip and Annual plan.
Definitions
- Adult means a person aged 18 years and above at the commencement of any trip.
- Child means a person who is aged above one month and below 18 years or below 23 years of age if studying full time in a recognised. institution of higher learning at the commencement of any trip.
There are good reasons to get your travel insurance once you have booked your trip as this can protect your pocket if your trip is disrupted due to unexpected events such as strikes, riots and natural disasters that happen at your planned destination.
These events can affect your cover depending on when you have purchased the policy.
Policies purchased after the insured event has happened
Based on policy terms and conditions, the insured event will not be covered as it has already happened or has been made known by the media or authorities.
Should you decide to proceed with the trip, it is important to remember that you are still covered for all other unexpected insured events that happen on your trip such as baggage delay caused by the airline or loss of personal items due to theft.
Policies purchased before the insured event happened and you have not yet departed
The policy covers for trip cancellation or postponement if your trip is unavoidably cancelled or postponed due to an insured event that happens within 30 days before your trip.
If you are unsure whether the overseas event affects your trip, please contact your providers (airline, transport, tour, accommodation) to check if your bookings are affected by the event.
If your trip is unavoidably cancelled or postponed, please submit your claim to us and we will assess it based on policy terms and conditions.
Insured events refer to events that are covered by the policy, subject to the policy terms and conditions. The list of insured events is shown under each relevant section of the policy.
For information on claims procedure, click here.
If you would like to clarify on your coverage, you can chat with Mae or contact us.
This page is for general information only. Full details of the terms, conditions and exclusions of this insurance are provided in the policy and will be sent to you upon acceptance of your application by MSIG Insurance (Singapore) Pte Ltd.
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 us here or visit GIA or SDIC.
What you need to know when you buy travel insurance:
Getting travel insurance is highly recommended before you go on a trip. Whether you are a traveller planning for a single trip or a frequent flyer who may be better off with an annual travel insurance plan, you have your own individual needs that are unique to you. Most travel insurance policies in Singapore provide a standard list of benefits with varying limits, but few would offer special cover suitable for travellers with stable and controlled pre-existing medical conditions, no matter their age.
A pre-existing medical condition is a long-term medical illness or an injury you had before taking up your travel policy. In the unfortunate event that you fall critically ill while overseas due to the acute onset of a pre-existing medical condition, a standard travel insurance plan will not cover overseas medical expenses and evacuation costs.
TravelEasy® | TravelEasy® Pre-Ex | |||||
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Plan types | Standard | Elite | Premier | Standard | Elite | Premier |
Eligibility |
All persons residing in Singapore aged 1 month and above, including foreigners holding an employment pass or work permit and living in Singapore. Cover excludes pre-existing conditions. |
All persons residing in Singapore aged 1 month and above, including foreigners holding an employment pass or work permit and living in Singapore. Cover includes pre-existing medical conditions that are stable and controlled. |
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Applicant to meet a set of medical-related conditions for cover |
No | Yes | ||||
Trip TypesSingle Trip |
182 days | 30 days | ||||
Annual |
90 days/trip | Not available | ||||
Cover TypesIndividual |
Yes |
Yes |
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Group |
Yes | No | ||||
Family |
Yes | No | ||||
Age |
Single trip plan: No upper age limit Annual plan: Last entry age 69 years. Renewal for age 70 – 80 years old Standard plan only. |
Single trip plan: No upper age limit Annual plan: Last entry age 69 years. Renewal for age 70 – 80 years under Standard plan only. |
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Benefit Coverage OverviewSection 1 to 513 |
Covered | Covered | ||||
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Covered | Covered | ||||
Section 52 - Pre-Ex Critical Care |
Not applicable | Covered | ||||
Section 6 - Overseas Medical Expenses (inpatient) for pre-existing medical condition. |
Not covered |
$75,000 (Adult 70 years and above / Child) |
$100,000 $75,000 |
$150,000 $100,000 |
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Section 16 - Emergency Evacuation and Repatriation for pre-existing medical condition. |
$100,000 | $150,000 | $200,000 | |||
Premiums |
TravelEasy table rates | TravelEasy Pre-Ex table rates |
3The cover limits for Sections 1 to 51 for both products are the same.
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