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[Digital Product] Travel Insurance - Terms & Conditions

TERMS AND CONDITIONS


Please read these Terms and Conditions carefully before purchasing the MSIG Insurance Product ("Product") so that you know your rights and obligations in connection with the Product.


You understand and agree that the Product is provided and underwritten by MSIG Insurance Singapore Pte. Ltd. ("MSIG"), an insurer licensed by Monetary Authority of Singapore under the Insurance Act 1966. Sealn Agency Sg Pte. Ltd. (“SeaIn”) is a corporate agent for MSIG in respect of the distribution of the Product. Shopee Singapore Pte. Ltd ("Shopee") operates the Shopee platform, a marketing platform for goods and services. Shopee has no role in distribution of the Product.   


Shopee and SIA accept no responsibility, obligation or liability for the Product and related services provided by MSIG.


Description of the features and benefits of the Product (if any) on Shopee and/or SIA, is not a contract of insurance and is only a summary of the Product for reference purposes only. The complete terms and conditions of the Product are contained in the policy wording issued by MSIG.


The purchase of the Product is also subject to the Policy Wording and the Declaration (which includes Privacy Policy) issued by MSIG, Shopee’s Privacy Policy and these Terms and Conditions. 


By purchasing the Product, you give your irrevocable acceptance of and consent to be bound and subject to these Terms and Conditions and the Policy Wording  and Declaration issued by MSIG, and you represent and warrant that you have read, understood, and accepted these Terms and Conditions and the Policy Wording and Declaration issued by MSIG.


We reserve the right to change or modify these Terms and Conditions at any time, without notice to you or giving any reason (but the Policy Wording shall in such instance remain unchanged, unless expressly revised by MSIG with you directly). Your continued use of the Shopee and SeaIn platforms shall be deemed as an irrevocable acceptance of these Terms and Conditions and any such revisions. If you do not agree to these Terms and Conditions, please do not purchase the Product or use the Shopee and SeaIn platforms.


You agree that the Product is MSIG's product and not a product of Shopee or SeaIn. The Product is therefore not guaranteed in any way by Shopee, SeaIn nor their subsidiaries and/or affiliates, and MSIG, as the insurer of the Product, undertakes the full insurance responsibilities, obligations and liabilities in respect of the Product and the services provided by MSIG. You understand and agree that the claims processing and decision on any claims made under the Product is based on the sole discretion of MSIG. As such, you acknowledge that any complaints, claims or issues relating to the Product should be directed to MSIG as the insurer of the Product. You agree to hold Shopee, SeaIn and their subsidiaries and/or affiliates harmless from any and all claims, actions, proceedings,  demands or otherwise relating to the Product provided by MSIG.


You agree that any information relating to the Product such as premium amounts as may be displayed on the Shopee and/or SIA platforms have been provided by MSIG. In the event of any difference, conflict or discrepancy between the information on the Shopee and/or SeaIn platforms and the policy wording issued by MSIG, the policy wording issued by MSIG shall prevail and take precedence over the information on Shopee's and/or SeaIn platforms.


You agree that Shopee is not responsible for any inaccuracy of data submitted by you through the Shopee and/or SeaIn platforms, and you agree to indemnify and hold Shopee and SeaIn, their directors, employees and/or officers ("Indemnified Party") harmless from any and all claims, actions, proceedings, suits and related liabilities, costs and expenses incurred by the Indemnified Party arising out of or relating to any inaccurate data provided to MSIG whether through the Shopee and/or SeaIn platform or otherwise.


In the event that the Product can be purchased using SPayLater services and you decide to purchase the Product using such SPayLater services, you agree to be bound by the terms and conditions of the SPayLater Terms of Service ("SPayLater TOS").  Notwithstanding any refund of premium you may receive from MSIG on the Product, you shall remain liable for the repayment of any outstanding amount for the SPayLater services and applicable Processing Fee (as defined in the SPayLater TOS
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