Singapore · Travel insurance · back to msig
MSIG TravelEasy Flex
- The destination area a plan is sold for area of travel: “Area A” — Brunei, Cambodia, Indonesia, Laos, East and West Malaysia, Myanmar, Philippines, Thailand, Vietnam source: msig.com.sg · PDF p. 16 · verified 2026-09-20
- The destination area a plan is sold for area of travel: “Area B” — Australia, China (not including Inner Mongolia and Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan, countries in Area A source: msig.com.sg · PDF p. 16 · verified 2026-09-20
- The destination area a plan is sold for area of travel: “Area C” — worldwide source: msig.com.sg · PDF p. 16 · verified 2026-09-20
- The longest one trip may last max trip duration days: 182 days (single trip plan) source: msig.com.sg · PDF p. 15 · verified 2026-09-20
- The longest one trip may last max trip duration days: 90 days (annual plan) source: msig.com.sg · PDF p. 15 · verified 2026-09-20
- Travel to named countries or territories the wording names no country as excluded source: msig.com.sg · PDF p. 57 · verified 2026-09-20
- One overall limit Sections 10, 11, 12, 13, 37 and 38 — one combined ceiling per insured person, per journey S$1,000,000 · shared by Emergency medical evacuation (10), Repatriation of remains, Sending the insured home after evacuation, Compassionate and hospital visit (11), Child guard, Emergency telephone charges, Emergency medical evacuation (37), Compassionate and hospital visit (37), Emergency medical evacuation (38) source: msig.com.sg · PDF p. 26 · verified 2026-08-31
- One overall limit Sections 2, 3, 4, 5, 6, 37 and 38 — combined, capped at the Section 2 sum insured capped at the Overseas medical expenses limit · shared by Emergency dental expenses, Follow-up treatment at home, Mobility aid reimbursement, Traditional Chinese medicine, Pre-existing medical conditions, COVID-19 Cover source: msig.com.sg · PDF p. 19 · verified 2026-08-31
Section 1 · Personal accident
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 1 | Accidental death or permanent disability | S$200k / S$300k / S$500k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Adult 70 years & above S$40k / S$60k / S$80k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Child S$70k / S$100k / S$120k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$540k / S$800k / S$1240k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)What the section pays, by event — 7 events · causation window: 12 months, sole cause of death or disabilityAccidental death 100% of the sum insured source: msig.com.sg · PDF p. 18 · verified 2026-08-31Permanent and total disability 100% of the sum insureddisability must have continued 12 months and be expected to be lifelong source: msig.com.sg · PDF p. 18 · verified 2026-08-31Total and irrecoverable loss of sight in both eyes 100% of the sum insured source: msig.com.sg · PDF p. 18 · verified 2026-08-31Loss of two or more limbs 100% of the sum insured source: msig.com.sg · PDF p. 18 · verified 2026-08-31Loss of sight in one eye and loss of one limb 100% of the sum insured source: msig.com.sg · PDF p. 18 · verified 2026-08-31Loss of one limb 50% of the sum insured source: msig.com.sg · PDF p. 18 · verified 2026-08-31Total and irrecoverable loss of sight in one eye 50% of the sum insured source: msig.com.sg · PDF p. 18 · verified 2026-08-31Multiple results still cap at 100% of the sum insured. source: msig.com.sg · PDF p. 18 · verified 2026-08-31 | source: msig.com.sg · PDF p. 4 · verified 2026-08-31 |
Section 2 · Overseas medical expenses
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 2 | Overseas medical expenses | S$250k / S$500k / S$1mil (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Adult 70 years & above S$50k / S$75k / S$100k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Child S$100k / S$200k / S$300k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$700k / S$1400k / S$2600k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Applies when: illness or bodily injury · during the trip | source: msig.com.sg · PDF p. 4 · verified 2026-09-05 |
Section 3 · Emergency dental expenses
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 3 | Emergency dental expenses | S$1k / S$3k / S$5k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Child S$500 / S$1,500 / S$2,500 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$2k / S$6k / S$10k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan) | source: msig.com.sg · PDF p. 4 · verified 2026-08-31 |
Section 4 · Medical expenses in Singapore
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 4 | Follow-up treatment at home | S$7k / S$20k / S$30k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Adult 70 years & above S$1k / S$2k / S$3k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Child S$2k / S$5k / S$9k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$18k / S$50k / S$78k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan) | source: msig.com.sg · PDF p. 4 · verified 2026-08-31 |
Section 5 · Mobility aid reimbursement
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 5 | Mobility aid reimbursement | S$500 / S$1k / S$1,500 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Child S$250 / S$750 / S$1,250 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$1k / S$2k / S$3k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan) | source: msig.com.sg · PDF p. 4 · verified 2026-08-31 |
Section 6 · Traditional Chinese medicine expenses
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 6 | Traditional Chinese medicine | S$400 (S$40 per visit) / S$500 (S$50 per visit) / S$600 (S$60 per visit) (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Child S$200 (S$40 per visit) / S$250 (S$50 per visit) / S$300 (S$60 per visit) (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$800 / S$1k / S$1,200 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)sub-limit of Overseas medical expenses | source: msig.com.sg · PDF p. 5 · verified 2026-09-05 |
Section 7 · Overseas hospitalisation daily benefit
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 7 | Overseas hospitalisation daily benefit | S$10k (S$100 per day) / S$15k (S$150 per day) / S$24k (S$200 per day) (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Child S$5k (S$50 per day) / S$7,500 (S$75 per day) / S$12k (S$100 per day) (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$30k / S$45k / S$72k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Also states: other insurance carveout — This condition is not applicable to Section 7. General Condition 5 pays only a proportionate share where another policy covers the same loss, and excepts this section — so it pays in full alongside another policy. source: msig.com.sg · PDF p. 60 · verified 2026-09-18 | source: msig.com.sg · PDF p. 5 · verified 2026-08-31 |
Section 8 · Hospitalisation daily benefit in Singapore
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 8 | Hospitalisation daily benefit at home | S$1k (S$100 per day) / S$1,500 (S$100 per day) / S$2k (S$100 per day) (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Child S$500 (S$50 per day) / S$750 (S$50 per day) / S$1k (S$50 per day) (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$3k / S$4,500 / S$6k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Also states: other insurance carveout — This condition is not applicable to Section 8. General Condition 5 pays only a proportionate share where another policy covers the same loss, and excepts this section — so it pays in full alongside another policy. source: msig.com.sg · PDF p. 60 · verified 2026-09-18 | source: msig.com.sg · PDF p. 5 · verified 2026-08-31 |
Section 9 · Medical & travel assistance services
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 9 | Medical and travel assistance services | Covered (all plans) | source: msig.com.sg · PDF p. 5 · verified 2026-08-31 |
Section 10 · Emergency medical evacuation and repatriation
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 10 | Emergency medical evacuation | Covered (all plans) | source: msig.com.sg · PDF p. 25 · verified 2026-10-10 |
| 10 | Repatriation of remains | Covered (all plans) | source: msig.com.sg · PDF p. 25 · verified 2026-10-10 |
| 10 | Sending the insured home after evacuation | Covered (all plans) | source: msig.com.sg · PDF p. 25 · verified 2026-10-10 |
Section 11 · Compassionate and hospital visit
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 11 | Compassionate and hospital visit | S$6k (S$200 per night) / S$8k (S$300 per night) / S$12k (S$400 per night) (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$15k (S$200 per night) / S$20k (S$300 per night) / S$30k (S$400 per night) (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan) | source: msig.com.sg · PDF p. 25 · verified 2026-08-31 |
Section 12 · Child guard
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 12 | Child guard | S$6k (S$200 per night) / S$8k (S$300 per night) / S$12k (S$400 per night) (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$15k (S$200 per night) / S$20k (S$300 per night) / S$30k (S$400 per night) (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan) | source: msig.com.sg · PDF p. 26 · verified 2026-08-31 |
Section 13 · Emergency telephone charges
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 13 | Emergency telephone charges | S$100 (S$50 (prepaid phone cards, in total)) / S$200 (S$50 (prepaid phone cards, in total)) / S$300 (S$50 (prepaid phone cards, in total)) (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$250 / S$500 / S$750 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan) | source: msig.com.sg · PDF p. 5 · verified 2026-08-31 source: msig.com.sg · PDF p. 27 · verified 2026-09-12 |
Section 14 · Insolvency of licensed travel operator
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 14 | Insolvency of a travel operator | S$2k / S$4k / S$6k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$5k / S$10k / S$15k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan) | source: msig.com.sg · PDF p. 6 · verified 2026-08-31 |
Section 15 · Travel cancellation
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 15 | Travel cancellation | S$8k / S$10k / S$15k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$20k / S$25k / S$37,500 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Applies when: before the trip | source: msig.com.sg · PDF p. 6 · verified 2026-09-05 |
Section 16 · Travel postponement
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 16 | Travel postponement | S$600 / S$1,200 / S$1,800 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$1,500 / S$3k / S$4,500 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan) | source: msig.com.sg · PDF p. 6 · verified 2026-08-31 |
Section 17 · Replacement of traveller
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 17 | Replacement of traveller | S$500 / S$750 / S$1k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$1,250 / S$1,875 / S$2,500 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan) | source: msig.com.sg · PDF p. 6 · verified 2026-08-31 |
Section 18 · Unused entertainment ticket
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 18 | Unused entertainment ticket | S$100 / S$300 / S$500 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$250 / S$750 / S$1,250 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan) | source: msig.com.sg · PDF p. 6 · verified 2026-08-31 |
Section 19 · SECTION 19 - DELAYED DEPARTURE · Delayed departure
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 19 | What must have caused the delay | Pays only for causes the policy lists (all plans) | source: msig.com.sg · PDF p. 31 · verified 2026-10-04 |
| 19 | Delayed departure | S$360 (S$60 every 4 hrs) / S$600 (S$60 every 4 hrs) / S$1,200 (S$60 every 4 hrs) (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Child S$180 (S$30 every 4 hrs) / S$300 (S$30 every 4 hrs) / S$600 (S$30 every 4 hrs) (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$720 / S$1,200 / S$2,400 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Also states: other insurance carveout — This condition is not applicable to Section 19. General Condition 5 pays only a proportionate share where another policy covers the same loss, and excepts this section — so it pays in full alongside another policy. source: msig.com.sg · PDF p. 60 · verified 2026-09-18 | source: msig.com.sg · PDF p. 6 · verified 2026-09-05 |
| 19 | What the delay is measured between | Timed from the scheduled departure to the actual departure (the end of the period is the replacement flight's scheduled departure time) (all plans) | source: msig.com.sg · PDF p. 31 · verified 2026-10-04 |
| 19 | How a delay claim is settled | A cash benefit (all plans)Also states: alternative travel arrangement — “we will pay for the additional administrative or/and travel expenses incurred” in place of the cash delay benefit — the section pays one of the two source: msig.com.sg · PDF p. 31 · verified 2026-10-10 | source: msig.com.sg · PDF p. 31 · verified 2026-10-04 |
Section 20 · Flight diversion
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 20 | Flight diversion | S$500 (S$100 every 6 hrs) / S$1k (S$100 every 6 hrs) / S$1,500 (S$100 every 6 hrs) (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Child S$250 (S$50 every 6 hrs) / S$500 (S$50 every 6 hrs) / S$750 (S$50 every 6 hrs) (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$1k / S$2k / S$3k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Also states: other insurance carveout — This condition is not applicable to Section 20. General Condition 5 pays only a proportionate share where another policy covers the same loss, and excepts this section — so it pays in full alongside another policy. source: msig.com.sg · PDF p. 60 · verified 2026-09-18 | source: msig.com.sg · PDF p. 6 · verified 2026-08-31 |
Section 21 · Overbooked flight
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 21 | Overbooked flight | S$200 (S$100 every 6 hrs) / S$300 (S$100 every 6 hrs) / S$400 (S$100 every 6 hrs) (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$400 / S$600 / S$800 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Also states: other insurance carveout — This condition is not applicable to Section 21. General Condition 5 pays only a proportionate share where another policy covers the same loss, and excepts this section — so it pays in full alongside another policy. source: msig.com.sg · PDF p. 60 · verified 2026-09-18 | source: msig.com.sg · PDF p. 6 · verified 2026-08-31 |
Section 22 · Missed travel connection
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 22 | Missed travel connection | S$400 (S$100 every 6 hrs) / S$500 (S$100 every 6 hrs) / S$600 (S$100 every 6 hrs) (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$800 / S$1k / S$1,200 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Also states: other insurance carveout — This condition is not applicable to Section 22. General Condition 5 pays only a proportionate share where another policy covers the same loss, and excepts this section — so it pays in full alongside another policy. source: msig.com.sg · PDF p. 60 · verified 2026-09-18 | source: msig.com.sg · PDF p. 6 · verified 2026-08-31 |
Section 23 · Shortening the trip
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 23 | Shortening the trip | S$5k / S$10k / S$15k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$12,500 / S$25k / S$37,500 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan) | source: msig.com.sg · PDF p. 7 · verified 2026-08-31 |
Section 24 · Travel disruption
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 24 | Travel disruption | S$1k (S$200 per night) / S$2k (S$300 per night) / S$3k (S$400 per night) (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$2,500 / S$5k / S$7,500 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan) | source: msig.com.sg · PDF p. 7 · verified 2026-08-31 |
Section 25 · Automatic extension of cover
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 25 | Automatic extension of cover | Covered (all plans) | source: msig.com.sg · PDF p. 7 · verified 2026-08-31 |
Section 26 · Delayed baggage
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 26 | Delayed baggage | overseas — S$300 (S$100 every 6 hrs) / S$600 (S$150 every 6 hrs) / S$1k (S$200 every 6 hrs) · on the return leg — S$100 (after a six-hour delay) / S$150 (after a six-hour delay) / S$200 (after a six-hour delay) (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$600 / S$1,200 / S$2k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Also states: other insurance carveout — This condition is not applicable to Section 26. General Condition 5 pays only a proportionate share where another policy covers the same loss, and excepts this section — so it pays in full alongside another policy. source: msig.com.sg · PDF p. 60 · verified 2026-09-18 | source: msig.com.sg · PDF p. 7 · verified 2026-09-05 |
Section 27 · Baggage
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 27 | Baggage | S$3k (S$500 per pair or set (per item, pair or set); S$1k per item (one laptop computer); S$500 (jewellery, in total)) / S$5k (S$500 per pair or set (per item, pair or set); S$1k per item (one laptop computer); S$500 (jewellery, in total)) / S$7,500 (S$500 per pair or set (per item, pair or set); S$1k per item (one laptop computer); S$500 (jewellery, in total)) (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$6k (S$500 per pair or set (per item, pair or set); S$1k per item (one laptop computer); S$500 (jewellery, in total)) / S$10k (S$500 per pair or set (per item, pair or set); S$1k per item (one laptop computer); S$500 (jewellery, in total)) / S$15k (S$500 per pair or set (per item, pair or set); S$1k per item (one laptop computer); S$500 (jewellery, in total)) (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Reduces the payout: depreciation: ≤1y −10% · ≤2y −20% · ≤3y −40% · ≤4y −60% · ≤5y −80% · after −90% (except jewellery) source: msig.com.sg · PDF p. 61 · verified 2026-08-26Reduces the payout: without an original receipt: capped at S$75 per item, S$375 in total (except jewellery) source: msig.com.sg · PDF p. 61 · verified 2026-08-26Reduces the payout: without an original receipt: capped at S$250 in total (jewellery only) source: msig.com.sg · PDF p. 61 · verified 2026-09-05 | source: msig.com.sg · PDF p. 7 · verified 2026-09-05 source: msig.com.sg · PDF p. 61 · verified 2026-09-05 |
Section 28 · Loss of travel documents
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 28 | Loss of travel documents | S$500 / S$1k / S$1,500 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$1k / S$2k / S$3k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan) | source: msig.com.sg · PDF p. 7 · verified 2026-08-31 |
Section 29 · Personal money
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 29 | Personal money | S$100 / S$300 / S$500 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$200 / S$600 / S$1k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan) | source: msig.com.sg · PDF p. 7 · verified 2026-08-31 |
Section 30 · Personal liability
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 30 | Personal liability | S$600k / S$800k / S$1mil (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Child S$300k / S$400k / S$500k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan) | source: msig.com.sg · PDF p. 7 · verified 2026-08-31 |
Section 31 · Terrorism cover
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 31 | Terrorism cover | S$200k / S$300k / S$500k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$800k / S$1200k / S$2mil (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Also states: extends sections — “the sum insured of all other sections” source: msig.com.sg · PDF p. 40 · verified 2026-09-25 | source: msig.com.sg · PDF p. 7 · verified 2026-08-31 |
Section 32 · Passive war
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 32 | Passive war cover | S$200k / S$300k / S$500k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Adult 70 years & above S$40k / S$60k / S$80k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Child S$70k / S$100k / S$120k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$540k / S$800k / S$1240k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Also states: other insurance carveout — This condition is not applicable to Section 32. General Condition 5 pays only a proportionate share where another policy covers the same loss, and excepts this section — so it pays in full alongside another policy. source: msig.com.sg · PDF p. 60 · verified 2026-09-18 | source: msig.com.sg · PDF p. 8 · verified 2026-08-31 |
Section 33 · Adventure and sports cover
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 33 | Sports equipmentoptionalAdventure and sports cover | S$100 / S$200 / S$300 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Reduces the payout: depreciation: ≤1y −10% · ≤2y −20% · ≤3y −40% · ≤4y −60% · ≤5y −80% · after −90% (except jewellery) source: msig.com.sg · PDF p. 61 · verified 2026-08-26Reduces the payout: without an original receipt: capped at S$75 per item, S$375 in total (except jewellery) source: msig.com.sg · PDF p. 61 · verified 2026-08-26Reduces the payout: without an original receipt: capped at S$250 in total (jewellery only) source: msig.com.sg · PDF p. 61 · verified 2026-09-05 | source: msig.com.sg · PDF p. 8 · verified 2026-08-31 source: msig.com.sg · PDF p. 61 · verified 2026-09-05 |
| 33 | Adventurous activitiesoptionalAdventure and sports cover | Covered (zip-lining, zip-riding, bungee jumping, parasailing, tandem sky diving, tandem paragliding, tandem hang gliding; sightseeing on a hot-air balloon, helicopter or airplane; canoeing or white-water rafting, with a qualified guide and up to Grade 3; jet skiing, helmet diving and surfing, except big-wave surfing; scuba diving; ice skating, tobogganing, sledging, snow tubing, dog sledding, snow rafting, skiing or snowboarding, snowmobiling; winter activities — not off-piste, ungroomed or unpatrolled, and not beyond beginner to intermediate terrain; hiking, trekking or mountaineering — up to 3,000m above sea level; 42.195 km (marathon); every activity — for leisure and non-competitive purposes, with a licensed operator, and safety instructions must be followed) (all plans) | source: msig.com.sg · PDF p. 8 · verified 2026-08-31 source: msig.com.sg · PDF p. 40 · verified 2026-09-13 source: msig.com.sg · PDF p. 41 · verified 2026-09-13 |
| 33 | Water sportsoptionalAdventure and sports cover | scuba diving, to the depth of the diver's own certification and with a qualified dive instructor or dive master at all times (30 metres (scuba diving — the absolute ceiling, whatever the certification allows)) (all plans)extends Adventurous activities | source: msig.com.sg · PDF p. 41 · verified 2026-09-13 |
Section 34 · damage or loss of golf equipment · hired golf equipment · hole-in-one · unused green fees
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 34 | Golfer's cover (damage or loss of golf equipment)optionalGolfer's cover | S$1k (S$300 per item (per article)) (all plans)Reduces the payout: depreciation: ≤1y −10% · ≤2y −20% · ≤3y −40% · ≤4y −60% · ≤5y −80% · after −90% (except jewellery) source: msig.com.sg · PDF p. 61 · verified 2026-08-26Reduces the payout: without an original receipt: capped at S$75 per item, S$375 in total (except jewellery) source: msig.com.sg · PDF p. 61 · verified 2026-08-26Reduces the payout: without an original receipt: capped at S$250 in total (jewellery only) source: msig.com.sg · PDF p. 61 · verified 2026-09-05 | source: msig.com.sg · PDF p. 8 · verified 2026-09-05 source: msig.com.sg · PDF p. 61 · verified 2026-09-05 |
| 34 | Golfer's cover (hired golf equipment)optionalGolfer's cover | S$300 (hired replacement equipment) (S$100 per day (per day)) (all plans) | source: msig.com.sg · PDF p. 8 · verified 2026-09-05 |
| 34 | Golfer's cover (hole-in-one)optionalGolfer's cover | S$500 (celebratory drinks on scoring a hole-in-one) (all plans) | source: msig.com.sg · PDF p. 8 · verified 2026-09-05 |
| 34 | Missed sporting activityoptionalGolfer's cover | S$500 (all plans)Applies when: illness or bodily injury | source: msig.com.sg · PDF p. 8 · verified 2026-08-25 |
Section 35 · Rental vehicle cover · rental vehicle cancellation · returning a rental vehicle
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 35 | Rental vehicle excessoptionalRental vehicle cover | S$500 / S$1,200 / S$1,200 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Child — (all plans) | source: msig.com.sg · PDF p. 9 · verified 2026-09-05 |
| 35 | Rental vehicle excess (rental vehicle cancellation)optionalRental vehicle cover | S$300 (cancellation of the rental booking) / S$700 (cancellation of the rental booking) / S$700 (cancellation of the rental booking) (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan) | source: msig.com.sg · PDF p. 9 · verified 2026-09-05 |
| 35 | Rental vehicle excess (returning a rental vehicle)optionalRental vehicle cover | S$300 (returning the vehicle after injury or illness) / S$700 (returning the vehicle after injury or illness) / S$700 (returning the vehicle after injury or illness) (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan) | source: msig.com.sg · PDF p. 9 · verified 2026-09-05 |
Section 36 · Cancel for any reason (CFAR) · travel postponement · shortening the trip · replacement of traveller · unused entertainment ticket
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 36 | Cancel for any reason (CFAR)optionalCancel for any reason (CFAR) | S$2k / S$4k / S$6k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Reduces the payout: co-payment: 50% borne by the insured source: msig.com.sg · PDF p. 9 · verified 2026-08-25Applies only if: trip basis: not available on an annual plan source: msig.com.sg · PDF p. 44 · verified 2026-09-05Applies only if: purchase condition: purchased within 14 days of your first booking for the tour, public transport, accommodation or entertainment ticket for the trip, whichever is earlier source: msig.com.sg · PDF p. 44 · verified 2026-09-05 | source: msig.com.sg · PDF p. 9 · verified 2026-08-25 source: msig.com.sg · PDF p. 44 · verified 2026-09-05 |
| 36 | Cancel for any reason (travel postponement)optionalCancel for any reason (CFAR) | S$300 / S$500 / S$1k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Applies only if: trip basis: not available on an annual plan source: msig.com.sg · PDF p. 44 · verified 2026-09-05Applies only if: purchase condition: purchased within 14 days of your first booking for the tour, public transport, accommodation or entertainment ticket for the trip, whichever is earlier source: msig.com.sg · PDF p. 44 · verified 2026-09-05 | source: msig.com.sg · PDF p. 9 · verified 2026-09-05 source: msig.com.sg · PDF p. 44 · verified 2026-09-05 |
| 36 | Cancel for any reason (shortening the trip)optionalCancel for any reason (CFAR) | S$1k / S$2k / S$3k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Applies only if: trip basis: not available on an annual plan source: msig.com.sg · PDF p. 44 · verified 2026-09-05Applies only if: purchase condition: purchased within 14 days of your first booking for the tour, public transport, accommodation or entertainment ticket for the trip, whichever is earlier source: msig.com.sg · PDF p. 44 · verified 2026-09-05 | source: msig.com.sg · PDF p. 9 · verified 2026-09-05 source: msig.com.sg · PDF p. 44 · verified 2026-09-05 |
| 36 | Replacement of travelleroptionalCancel for any reason (CFAR) | S$300 / S$500 / S$1k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Applies only if: trip basis: not available on an annual plan source: msig.com.sg · PDF p. 44 · verified 2026-09-05Applies only if: purchase condition: purchased within 14 days of your first booking for the tour, public transport, accommodation or entertainment ticket for the trip, whichever is earlier source: msig.com.sg · PDF p. 44 · verified 2026-09-05 | source: msig.com.sg · PDF p. 9 · verified 2026-09-05 source: msig.com.sg · PDF p. 44 · verified 2026-09-05 |
| 36 | Unused entertainment ticketoptionalCancel for any reason (CFAR) | S$100 / S$200 / S$300 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Applies only if: trip basis: not available on an annual plan source: msig.com.sg · PDF p. 44 · verified 2026-09-05Applies only if: purchase condition: purchased within 14 days of your first booking for the tour, public transport, accommodation or entertainment ticket for the trip, whichever is earlier source: msig.com.sg · PDF p. 44 · verified 2026-09-05 | source: msig.com.sg · PDF p. 9 · verified 2026-09-05 source: msig.com.sg · PDF p. 44 · verified 2026-09-05 |
Section 37 · Pre-existing medical condition cover
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 37 | Emergency medical evacuationoptionalPre-existing medical condition cover | S$100k / S$150k / S$200k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)extends Emergency medical evacuation — extension of Section 10, for an acute onset of a pre-existing conditionApplies only if: trip basis: available only on a single return trip source: msig.com.sg · PDF p. 15 · verified 2026-09-18Applies only if: max trip duration days: 30 days source: msig.com.sg · PDF p. 15 · verified 2026-09-18 | source: msig.com.sg · PDF p. 10 · verified 2026-08-31 source: msig.com.sg · PDF p. 15 · verified 2026-09-18 |
| 37 | Pre-existing medical conditionsoptionalPre-existing medical condition cover | S$75k / S$100k / S$150k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Adult 70 years & above S$50k / S$75k / S$100k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Child S$50k / S$75k / S$100k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)extends Overseas medical expenses — inpatient hospital charges onlyApplies only if: fitness to travel: follow treating doctor advice source: msig.com.sg · PDF p. 46 · verified 2026-09-14Applies only if: fitness to travel: no untreated condition source: msig.com.sg · PDF p. 46 · verified 2026-09-14Applies only if: history free: 12 months, receive treatment at a hospital's Accident and Emergency Department more than once source: msig.com.sg · PDF p. 46 · verified 2026-09-14Applies only if: history free: 12 months, hospitalised more than once source: msig.com.sg · PDF p. 46 · verified 2026-09-14Applies only if: history free: 12 months, stay over 3 consecutive days source: msig.com.sg · PDF p. 10 · verified 2026-08-25Applies only if: trip basis: available only on a single return trip source: msig.com.sg · PDF p. 15 · verified 2026-09-18Applies only if: max trip duration days: 30 days source: msig.com.sg · PDF p. 15 · verified 2026-09-18 | source: msig.com.sg · PDF p. 10 · verified 2026-09-05 source: msig.com.sg · PDF p. 15 · verified 2026-09-18 source: msig.com.sg · PDF p. 46 · verified 2026-09-14 |
| 37 | Compassionate and hospital visitoptionalPre-existing medical condition cover | S$3k (S$200 per night) / S$4k (S$300 per night) / S$6k (S$400 per night) (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)extends Compassionate and hospital visit — extension of Section 11, for an acute onset of a pre-existing conditionApplies only if: trip basis: available only on a single return trip source: msig.com.sg · PDF p. 15 · verified 2026-09-18Applies only if: max trip duration days: 30 days source: msig.com.sg · PDF p. 15 · verified 2026-09-18 | source: msig.com.sg · PDF p. 10 · verified 2026-08-31 source: msig.com.sg · PDF p. 15 · verified 2026-09-18 |
Section 38 · COVID-19 Cover
| Section | Benefit | What it pays | Source |
|---|---|---|---|
| 38 | Shortening the tripoptionalCOVID-19 Cover | S$3k / S$4k / S$5k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$7,500 / S$10k / S$12,500 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)extends Shortening the trip — extension of Section 23, for COVID-19 | source: msig.com.sg · PDF p. 11 · verified 2026-08-31 |
| 38 | Travel postponementoptionalCOVID-19 Cover | S$500 / S$1k / S$1,500 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$1,250 / S$2,500 / S$3,750 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)extends Travel postponement — extension of Section 16, for COVID-19 | source: msig.com.sg · PDF p. 10 · verified 2026-08-31 |
| 38 | Replacement of travelleroptionalCOVID-19 Cover | S$500 / S$750 / S$1k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$1,250 / S$1,875 / S$2,500 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)extends Replacement of traveller — extension of Section 17, for COVID-19 | source: msig.com.sg · PDF p. 10 · verified 2026-08-31 |
| 38 | Travel cancellationoptionalCOVID-19 Cover | S$3k / S$4k / S$5k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$7,500 / S$10k / S$12,500 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)extends Travel cancellation — extension of Section 15, for COVID-19 | source: msig.com.sg · PDF p. 10 · verified 2026-08-31 |
| 38 | Automatic extension of coveroptionalCOVID-19 Cover | Covered (all plans) | source: msig.com.sg · PDF p. 11 · verified 2026-08-31 |
| 38 | Travel disruptionoptionalCOVID-19 Cover | S$1k / S$2k / S$3k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$2,500 / S$5k / S$7,500 (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)extends Travel disruption — extension of Section 24, for COVID-19 | source: msig.com.sg · PDF p. 11 · verified 2026-08-31 |
| 38 | Emergency medical evacuationoptionalCOVID-19 Cover | S$1mil (all plans)Family S$3mil (all plans)extends Emergency medical evacuation — extension of Section 10, for COVID-19 | source: msig.com.sg · PDF p. 11 · verified 2026-08-31 |
| 38 | Medical and travel assistance servicesoptionalCOVID-19 Cover | Covered (all plans) | source: msig.com.sg · PDF p. 11 · verified 2026-08-31 |
| 38 | COVID-19 CoveroptionalCOVID-19 Cover | S$75k / S$150k / S$250k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Adult 70 years & above S$37,500 / S$75k / S$100k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Child S$37,500 / S$75k / S$100k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan)Family S$225k / S$450k / S$700k (Standard Flex Plan / Elite Flex Plan / Premier Flex Plan) | source: msig.com.sg · PDF p. 11 · verified 2026-08-31 |