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• An individual between 18-65 years old at the start of the policy.
• A Singaporean, Permanent Resident, or foreigner holding a valid employment pass, work permit, or long-term pass issued by the Singapore Government; and the usual country of residence is Singapore. 

• At the end of the one-month coverage period.
• When a claim has been made for 50% or more of the insured sum; or
• Upon the death of the insured person.

1. What is the definition of an Accident under this insurance?

An Accident refers to an event which happens suddenly and gives rise to a result which the Insured Person did not intend or anticipate. 

Any person aged between 18 years and 65 years.

Your legal spouse aged between 18 years and 65 years.

A parent/both parents aged between 18 years and 65 years covering himself/herself and up to 5 of his or her legal children aged 1 month to 21 years old.

Provided all persons to be insured are residing in Singapore.

You or any of the Insured Persons are covered for any short term travel out of Singapore up to 6 consecutive months during any period of insurance. The cover for that Insured Person lapses thereafter and all the benefits under the policy for such person shall cease from such date.

Each occupation type presents different risk hazards depending on the nature of work and this has a direct effect on the level of premium to be charged.

This will depend on the terms of your policy. Please check with your insurer when in doubt.

6. What are the policy exclusions?

The key exclusions are war and warlike operations, radioactive and nuclear activity, work on aircraft, dangerous sports, suicide, self-injury, pre-existing physical or mental defect, under influence of drugs (unless prescribed by a registered Medical Practitioner) or alcohol, full time military service, uniformed groups and occupations excluded under the insurance. The full details of the exclusions are contained in the policy.

To make a claim, submit your claim online via the MSIG claims portal. Ensure you complete the claim form and provide all required documents, such as:

i) Police reports (if applicable)

ii) Doctor’s report

iii) Original medical receipts and invoices

For any assistance, you can contact MSIG’s Claims Department directly.

If your policy covers medical expenses, MSIG will pay for the medical, surgical, hospital fees or charges necessarily and reasonably incurred to treat an injury, provided that such fees or charges are required for professional services from a physician and/or at a hospital prescribed by such physician.

MSIG will assess specialist consultations without referral on a case-by-case basis.

Please notify MSIG in writing of the accident with full details of any injury immediately or as soon as reasonably possible.

If your follow-up treatments can be completed within 1 month, please accumulate all the receipts/medical leave and submit them together.

Yes, your child will receive the same coverage and benefit limits as an adult under the Personal Accident Insurance plan, subject to the policy terms, conditions and exclusions.

A child can claim for income protection under the policy only if they are legally employed (including part-time work) and earning an income at the time of the injury.

Please email your questions to MSIG Customer Service at service@sg.msig-asia.com