msig student travel insurance

MSIG Travel Insurance Singapore: Coverage, Promotion, and Claims Review

MSIG travel insurance is one of the most popular travel insurance plans in Singapore and is second only to NTUC’s travel insurance (impressive!). That’s probably because MSIG used to be the provider of DBS travel insurance .

DBS might have since changed their insurance provider to Chubb, but that doesn’t mean that MSIG’s travel insurance isn’t solid. Let’s have a look at whether MSIG’s travel insurance plans are  worth your money.

• MSIG Travel Insurance Summary
• MSIG Covid Travel Insurance Coverage
• MSIG Pre-Existing Travel Insurance
• MSIG Student Travel Insurance
• Extreme Sports and Outdoor Adventure
• MSIG Travel Insurance Terms and Conditions
• MSIG Travel Insurance Claim Review
• MSIG vs NTUC Travel Insurance
• MSIG Travel Insurance Promotion
• MSIG Travel Insurance Review

1. MSIG Travel Insurance: Summary

There are a total of 3 travel insurance plans that MSIG currently offers: MSIG TravelEasy for regular holidays with Covid coverage, MSIG TravelEasy Pre-Ex for holiday-goers with pre-existing conditions, and MSIG Global Study for students going overseas for studies.

2. MSIG Covid Travel Insurance Coverage

MSIG’s flagship travel insurance plan is called  MSIG TravelEasy , which automatically includes Covid-19 coverage. MSIG TravelEasy comes in 3 tiers:

• Standard (most basic, cheapest)

You get to choose from single trip travel insurance or an annual travel insurance plan. Prices and premiums for MSIG’s travel insurance plans depends on the country you’re travelling to:

• Area A : Brunei, Cambodia, Indonesia, Laos, East and West Malaysia, Myanmar, Philippines, Thailand, Vietnam
• Area B : Australia, China (no Inner Mongolia, Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan, Area A
• Area C : Worldwide, Area A, Area B

Here’s a summary of the key coverage and benefits of the MSIG TravelEasy travel insurance plan:

The MSIG TravelEasy travel insurance also automatically includes Covid-19 coverage :

Some other useful coverage you’ll find in the MSIG Covid travel insurance plan includes mobility aid, maternity expenses, wedding and bridal clothing, rings, and accessories coverage, and even pet hotel boarding delays.

• Mobility aid reimbursement : $1,000 to $5,000
• Traditional Chinese Medicine expenses : $200 to $600
• Maternity medical expenses (overseas) : $2,000 to $3,000 (not included in Standard plan)
• Overseas hospitalisation daily allowance : $200 to $300/day, max $20,000 to $60,000 (non-Covid related hospitalisation)
• Compassionate hospital visit : $5,000 to $15,000 to fly an immediate family member to accompany you while you’re hospitalised alone
• Wedding clothing and accessories : $2,500 to $3,500 (not included in Standard plan)
• Credit card outstanding balance : $2,000 to $3,000 coverage for your unpaid credit card bills (up to the day of your accident)
• Pets care : $50 to $75/day, max $500 to $750 for extended pet hotel stay (due to illness or travel delay)

The Elite and Premier plans also cover loss of wedding-related items (so it’s good for wedding photoshoots or destination weddings) and entertainment/sports tickets (so get this if you plan to go to a festival or watch a major football match in the UK).

Total Premium

MSIG TravelEasy Elite

[ Win a Rolex, FREE Travel Insurance & More!    | MoneySmart Exclusive]   • Enjoy up to   40% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. • Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) with eligible premiums spent. T&Cs apply.   BONUS:  For a limited time only, stand a chance to score over S$11,000 worth of prizes in our Grand Draw . • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000). • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550).   What's more? We are giving away FREE Travel Insurance to 8 lucky winners daily when you purchase your Travel Insurance, and submit the Claim Form between 12pm to 8pm .   Increase your chances of winning when you refer friends  today. T&Cs apply.

Key Features

COVID-19 coverage of up to $300,000 medical cover and up to $5,000 travel inconvenience benefit for your trip protection.

Stay protected and enjoy a wide range of adventurous activities from sky diving, scuba diving, white-water rafting to winter sports like dog sledding, tobogganing, sledging and ice-skating.

Get covered across all TravelEasy Plan types with a high limit of S$1,000,000 for emergency medical evacuation & repatriation

MSIG provides cover for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies)

3. MSIG Pre-Existing Conditions Travel Insurance

If you’re more concerned about your pre-existing medical conditions acting up while you’re overseas or on a cruise, the MSIG   TravelEasy  Pre-Ex travel insurance  plan might be for you. Take note that this MSIG pre-existing plan does not cover Covid-19:

Before you jump in and get this MSIG pre-existing travel insurance plan, do note that there are pre-requisites. No matter what your pre-existing medical condition is, you need to prove that you’ve been diligent your doctor’s consultations and medicine. Of course, you’ll need to be determined fit for travel by your doctor.

And, if you were admitted in any A&E or hospital in the past year, you may not be eligible for this plan.

MSIG TravelEasy Pre-Ex Elite

4. msig student travel insurance.

Another popular MSIG travel insurance is the MSIG Global Study travel insurance meant for students travelling abroad for studies. As long as you’re between ages 12 and 60, registered as a part-time or full-time student with an overseas education institution, going for university exchange, or internship arranged by your uni, you are eligible for this MSIG student travel insurance.

Considering there is no Covid-19 coverage, the key benefits are actually pretty minimal – just $15,000 to $50,000 for accidental and illness medical expenses is really not a lot.

5. Does MSIG Travel Insurance cover extreme sports?

Overall, MSIG’s travel insurance coverage for outdoor adventure is pretty adequate. The usual touristy activities that you might want to experience, e.g. hot air balloon, paragliding, bungee jumping are covered in their premium plans. 

However, activities such as scuba diving, skiing, and skydiving are not explicitly stated in the policy wording or brochures’ exclusion lists.

6. MSIG Travel Insurance Terms and Conditions

MSIG travel insurance’s terms and conditions are pretty similar to other travel insurance providers’ – if you lost your belongings, you need to file reports with the police, airport, whatever. If you got Covid, you need official documents from their government hospitals. Then, KEEP these documents safely and bring them home. You will need these documents to file for claims.

• Trip Length : Single trip plan covers you for a maximum of 182 days while annual plan gives you unlimited trips per year but each trip can only be 90 days maximum.
• Air Miles, Hotel Reward Points : Your flights and hotel bookings will not be covered if you used your air miles or reward points to redeem the tickets/ stays.
• Baggage and Personal Belongings Loss : You need to file a report to the local police, airline, transport company, hotel – wherever your belongings were – within 24 hours and get printed official reports.
• Coverage : Children and seniors above 70 years old get lower coverage
• Covid Coverage:  You must keep all documents proving that you tested Covid positive, and diagnosed by local government hospital or doctor while overseas. You will only be able to claim overseas Covid medical expenses for 60 days from the day you tested positive.
• No Post-Trip Covid Coverage : If you tested Covid positive only after arriving in Singapore, you won’t be covered by your MSIG TravelEasy plan.

7. MSIG Travel Insurance Claim Review

If you were to scour through Reddit or Hardwarezone forums for MSIG reviews, you’ll find mixed views. While some users shared that they successfully claimed from MSIG travel insurance, some labelled MSIG as dishonest for turning down their claims. Insurance claims will never be straightforward or easy, no matter which insurance company you go for.

Here are some handy MSIG emergency hotline and claims process you need to consider before you purchase:

MSIG Emergency hotline (overseas): Call the 24-hour MSIG emergency hotline at +65 6323 8288

MSIG Claims hotline: If you need to file for claims, call MSIG’s Claims Hotline at +65 6827 7660 (Mondays to Fridays, 8:45am to 5:30pm only)

MSIG Submit claims online: Gather all your police report, flight delay documents, medical records and receipts, and any supporting travel documents. You can then fill in MSIG’s online claims form and submit all your documents online here . Or you can download the form, fill it in, and email all your claims documents to  [email protected] or mail them to

MSIG Claims Department 4 Shenton Way #21-01 SGX Centre 2 Singapore 068807

MSIG will then reply you or settle your claim within 2 to 3 weeks. You can call the general MSIG claims hotline to get a status update on your claims.

8. MSIG vs NTUC Travel Insurance

Considering between MSIG travel insurance and the popular NTUC travel insurance ? Both MSIG and NTUC are neck and neck with their benefits and premiums.

For example, a 7-day trip to Australia will cost you $74 to $143 in premiums with MSIG, and $70 to $122 if you take up NTUC’s travel insurance. Overseas medical expenses claim limits are similar as well. However, you’ll find that NTUC’s personal accident, travel delay coverage seems lower.

9. MSIG Travel Insurance Promotion

Though the listed prices of MSIG travel insurance plans seem pretty hefty at first glance, there’s almost always a promotion to keep their prices competitive. Currently, you can get a 45% discount off single trip MSIG travel insurance plans , and 20% off annual travel insurance plans (ends 30 June 2022).

That means if you get an MSIG TravelEasy Standard plan for a week in Australia, it’d only cost you $40.70. That’s quite a steal.

As long as the 45% promotion is on, I’d say it’s worth it to buy travel insurance from MSIG. The price is really competitive against the likes of NTUC Income, Aviva and FWD.

10. MSIG Travel Insurance: Review

MSIG’s Covid travel insurance, MSIG TravelEasy, is extremely affordable after the generous 45% promotion discount (ending 30 June 22).

The level of clarity MSIG provides is also reassuring –  prices and terms and conditions are clearly stated on the site, not hidden away in some remote PDF, and the claims process appears to be pleasant. Basically, it looks like MSIG knows their stuff.

However, the drawback is that MSIG has made the Standard plan very limited in comparison to the Elite and Premier plans. The Standard plan’s Covid-19 claims only covers you for $75,000 in overseas medical expenses, which may not be sufficient if you end up getting hospitalised in an expensive private hospital overseas. 

Once you compare their coverage, you will definitely feel tempted to pay $10 or $20 more to upgrade your plan to Elite or Premier .

However, if you’re vaccinated and in the pink of health and are buying from MSIG, it is worthwhile to pay a bit more for Elite if you’re taking part in outdoor activities, a wedding shoot or catching some kind of music or sports event overseas since you get higher coverage limits too.

Looking to buy travel insurance? Compare the best Covid travel insurance here .

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MSIG Travel Insurance Review: Premiums and Coverage

• Covers adventurous activities/golfing trips/wedding clothing & accessories
• Coverage for pre-existing medical conditions available
• Affordable with ample coverage
• Mid and high-tier plans offer wide coverage for families
• Standard plan excludes many sub-categories of benefits
• Lost loyalty points are not claimable
• Does not cover extreme sports
• TravelEasy Pre-Ex plan does not include Covid-19 coverage

MSIG’s TravelEasy is one of the more popular travel insurance plans in Singapore.

For starters, it’s one of the rare plans that offers coverage for pre-existing conditions. Given that these can span anything from asthma and eczema to cancer, being insured in the event of a flare-up can be a godsend for travellers.

Still, they’re not the only provider offering this, and you want to make sure that MSIG really does have adequate coverage.

Today, we’ll review the MSIG TravelEasy Insurance Plan and give our verdict based on: 

• MSIG TravelEasy vs TravelEasy Pre-Ex
• Pricing and coverage
• Drawbacks of the pre-ex plan
• How TravelEasy compares to other plans in the market
• Whom MSIG TravelEasy is best for

Brief Overview of MSIG TravelEasy & TravelEasy Pre-Ex

Eligibility requirements.

Eligibility requirements for both plans are easy to meet. 

All persons residing in Singapore aged 1 month and above can apply. (If you’re a foreigner, you need a valid employment pass or work permit.)

TravelEasy Coverage & Notable Features

MSIG’s flagship travel insurance plan automatically includes COVID-19 coverage. In addition, they cover:

• Up to $1,000,000 of overseas medical expenses
• Up to $600 in TCM expenses
• Up to $15,000 in trip cancellation coverage
• Up to $7,500 in lost or damaged baggage, including $1,000 for a laptop and $500 for each other item

Some of the more notable features of this policy include:

• Coverage for wedding items, including rings, bridal and ceremonial attire, and accessories
• Adventurous activity coverage (e.g. bungee jumping, skydiving, paragliding, hot air ballooning, jet skiing)
• Coverage for loss or damage to home contents due to fire or burglary
• Coverage for pets to continue staying at a local pet hotel due to injury or illness of insured person

TravelEasy Pre-Ex Coverage & Notable Features

Other than the COVID-19 coverage, TravelEasy Pre-Ex offers the same coverage as the regular TravelEasy. The main addition, of course, is coverage for critical care expenses relating to pre-existing medical conditions.

Examples of such pre-existing medical conditions include asthma, high blood pressure, diabetes, heart conditions, stroke, or cancer.

There are a few requirements:

• Pre-existing medical conditions have to actually be diagnosed
• You’re not travelling against the advice of your medical practitioner, and you’re not travelling for medical treatment abroad
• You’ve been following your doctor’s prescribed course of treatment
• You haven’t received any treatment at a hospitals A&E in the last year (or stayed in a hospital for more than three days in the last 12 months)

But if you meet all those requirements, TravelEasy Pre-Ex covers you in the event of an acute onset of any pre-existing conditions while you’re travelling .

The coverage is lower than that of non-pre-existing conditions though. For example, inpatient overseas medical expenses will only get up to $150,000 cover instead of the $1,000,000 you’d get for non-pre-existing conditions. (But that’s better than not being covered at all.)

Any pre-existing medical conditions that worsen 30 days before your trip will not be covered. If that happens, you can cancel your policy by notifying MSIG and providing supporting documents.

TravelEasy & TravelEasy Pre-Ex Exclusions

The full list of policy exclusions can be found in the policy wording , but here are some of the more significant policy exclusions to note:

• Terminal illness
• Mental disorders & suicide
• Travelling to countries at war
• Participation in professional or compensated sports
• Items taken/destroyed by customs or other officials

Pricing & Coverage For TravelEasy Plan Types

The prices stated here are only applicable to individual travellers. Group travellers such as families and couples have better discounts. Groups of 2 to 10 can enjoy savings of up to 10% while groups of 11 to 20 can enjoy group discounts of up to 15%.

Area A: Southeast Asian Countries (Brunei, Cambodia, Indonesia, Laos, East and West Malaysia, Myanmar, Philippines, Thailand, and Vietnam)

Area B: Australia, China (excluding Inner Mongolia and Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan and including countries in Area A

Area C: Worldwide including countries in Areas A and B

As the most basic plan, TravelEasy Standard has the lowest coverage.

For example, if you’re planning an overseas wedding shoot or an adventure sports trip, you’ll want to look at either the Elite or Premier plan.

Other possibly important aspects that aren’t covered under TravelEasy Standard include:

• Fraudulent use of your credit card overseas
• Legal expenses for any wrongful arrests or detention
• Maternity medical expenses overseas
• Daily benefits for ICU hospitalisation overseas

In short, if you’re travelling someplace that may have a lot of petty crime (or you/your spouse happens to be pregnant), go for Elite or Premier instead.

Here’s a brief overview of the coverage you’ll get under the various TravelEasy plans:

In deciding between the Elite and Premier plans, we recommend estimating the costs of specific incidences. For example, if your flight is delayed, would you have to rebook a connecting flight? If your baggage is delayed or lost, is there adequate coverage for your personal belongings? 

In the case of travel postponement, you can collate the total costs of transportation and any advance bookings you’ve made to see how much coverage you’ll need for the trip.

Items such as unused theme park or concert tickets are also claimable under the lifestyle cover in case of illness or injury.

Pricing & Coverage For TravelEasy Pre-Ex Plan Types

Same area rules apply, and these prices are only applicable for individual travellers. In the Pre-Ex plan’s case, there are no special group discounts for bulk purchases.

Again, TravelEasy Pre-Ex coverage is the same as the regular MSIG TravelEasy plans, with the exception of pre-ex critical care expenses:

TravelEasy Pre-Ex Drawbacks to Note

MSIG’s coverage may seem enticing with a few items rarely found in other travel insurance products in the market. However, here are some drawbacks you may want to take note of. 

• No COVID-19 coverage for those with pre-existing conditions. 
• Maximum trip length for Pre-Ex is 30 days. Travellers planning for long haul trips may not get enough coverage. 
• Pre-existing conditions that worsen within 30 days of your departure date will not be covered. If you’ve sought treatment and your doctor prescribes further treatment, medication, or surgery, your pre-existing condition will no longer qualify.
• Trip inconveniences caused by your pre-existing condition cannot be claimed. This means any trip cancellations or postponement claims filed due to your medical condition will not be successful.

How Do These TravelEasy Plans Compare?

Let’s take a look at travel insurance with similar coverage:

For Travellers Seeking Best Coverage And Benefits

Allianz Platinum is the priciest among the three, but it offers the most trip inconvenience coverage. If you’re most concerned about flight delays or losing baggage, this is ideal. 

If for some reason trip cancellations are a distinct possibility, Aviva Prestige would be the better option. It has fewer exclusions to watch out for while maintaining a great variety of medical benefits, coverage, and personalisation options. Add-on coverage for weddings and extreme sports are also available.

Lastly, amongst the three, MSIG’s TravelEasy Premier is best suited for families who want wider coverage without having to pay additional premiums. This plan automatically covers various lifestyle activities such as rental cars and adventurous activities. Pregnancy-related illnesses are also covered, which is fairly hard to find as most plans usually only cover pregnancy-related emergencies. 

For Travellers Seeking Pre-Ex Coverage

These are the only three insurers providing pre-ex coverage in the market. Unfortunately, NTUC Income’s Pre-Ex Prestige plan is quite pricey (almost double of Etiqa).

For those on a tight budget, Etiqa’s Pre-Ex Luxury plan is a great option with various add-ons depending on your itinerary.

If you’re deciding between Etiqa and MSIG, Etiqa’s Luxury plan excludes lifestyle cover on things such as sports equipment and pet hotel fees. MSIG’s Premier plan includes these.

MSIG’s Pre-Ex Premier plan is also great for older travellers with greater medical coverage. 

Our Verdict on MSIG Travel Insurance

Overall, the MSIG TravelEasy Insurance Plans are still very affordable (although not the cheapest in the market), especially with their generous promotions.

MSIG has a few notable perks in their plans, such as the wedding clothing & accessories coverage as well as the adventurous activities coverage. These are only available with the Elite or Premier plans, so we recommend going a tier up from Standard if your budget allows it.

And while no insurer has a perfect customer service record, MSIG has generally had positive reviews from customers who filed claims.

• Entertainment

Travel insurance review: Is MSIG travel insurance worth it?

MSIG travel insurance is one of the most popular brands in Singapore and is second only to NTUC (impressive!). That’s probably because MSIG used to be the provider of DBS travel insurance .

DBS might have since changed their provider to Chubb, but that doesn’t mean that MSIG travel insurance isn’t solid. Let’s have a look at whether MSIG TravelEasy is worth your money.

MSIG travel insurance at a glance

Here’s a quick look at the three tiers of MSIG TravelEasy insurance plans , the Covid-19 extension as well as the TravelEasy Pre-Ex plans:

Here’s a summary of the Covid-19 extension that applies to single trip policies:

And here are the TravelEasy PreX travel insurance plans, which cover pre-existing medical conditions:

MSIG travel insurance promotions

Though the listed prices of MSIG travel insurance plans seem pretty hefty at first glance, there’s almost always a promotion to keep their prices competitive, like the current 40 per cent discount off single trip plans.

That means if you get an MSIG TravelEasy Standard plan for a week in Asean, it’d only set you back $34.20. That’s quite a steal.

To see what’s on, just click or tap on the “Promotions” tab on the MSIG travel insurance page .

As long as the 40 per cent promotion is on, I’d say it’s worth it to buy travel insurance from MSIG. The price is really competitive against the likes of NTUC Income, Aviva and FWD.

ALSO READ:  What to look out for when buying travel insurance in Singapore (2022)

What does MSIG travel insurance cover?

Overall, MSIG’s travel insurance coverage is pretty adequate. The Standard plan has a slightly low coverage limit for emergency evacuation, and the payout for baggage delays is lower than standard, but those aren’t dealbreakers.

But the important thing to note is that the cheapest Standard plan is limited in coverage if you’re planning anything more than a normal sedate city getaway. It doesn’t cover most outdoor activities, even basic ones like skiing and scuba diving.

So you might want to opt for an Elite (or even Premier) plan for better and wider coverage. These higher tier plans cover a whole slew of outdoor activities, including the common ones listed here:

The Elite & Premier plans also cover loss of wedding-related items (so it’s good for wedding photoshoots or destination weddings) and entertainment/sports tickets (so get this if you plan to go to a festival or watch a major football match).

However, another drawback of MSIG’s travel insurance policies is the limited coverage of its Covid-19 extension. It’s payout of $65,000 for overseas medical fees due to Covid-19 falls short of other policies which offer $100,000 and upwards in claims. It also won’t do very much for you in the event of travel inconveniences caused by the pandemic.

MSIG travel insurance claim procedure

Emergency hotline: Call the MSIG emergency assistance hotline at +65 6323 8288

Phone claims: For non-emergency but urgent claim requests, call MSIG’s Claims Hotline at +65 6827 7660. A claims officer will be in touch with you to handle your case.

Online claims: Submit your claim and supporting documents through the online form (linked on   MSIG’s travel insurance claims page ). Or you can download it and email MSIG at [email protected]

Hard copy claims: You can submit your claim in person or mail it to MSIG, 4 Shenton Way, #21-01 SGX Centre 2, Singapore 068807.

Things to note: Refer to MSIG’s travel insurance claims page for instructions and a useful checklist of required documents before you make a claim. There’s also a chatbot with whom you can check on your eligibility for certain claims.

MSIG prides itself on a good claims experience, with personalised, responsive claims specialists attending to your requests. They typically settle straightforward claims within two to three weeks. Expect some delays during peak travel periods like school holidays.

Conclusion: should you buy MSIG travel insurance?

If you just look at its cheapest Standard plan, MSIG travel insurance is extremely affordable after the generous promotional discounts.

The level of support and clarity MSIG provides is also reassuring. Terms & conditions are clearly stated on the site, not hidden away in some remote PDF, and the claims process appears to be pleasant. Basically, it looks like MSIG knows their stuff.

However, the drawback is that MSIG has made the Standard plan very limited in comparison to the Elite and Premier plans. Once you compare their coverage, you will definitely feel tempted to upgrade. It’s a bit like how budget airlines compel you to add a bundle on to your basic-ass air ticket. Another thing to have in mind is that their Covid-19 extension is not the most comprehensive in its coverage. 

However, if you’re vaccinated and in the pink of health and are buying from MSIG, it is worthwhile to pay a bit more for Elite if you’re taking part in outdoor activities, a wedding shoot or catching some kind of music or sports event overseas. As a bonus, you get higher coverage limits too. 

ALSO READ:  Travel insurance: Promo codes for 2022 and 7 more ways to save on it

This article was first published in MoneySmart .

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Global Study

Global Study is designed for students pursuing overseas studies. Get coverage for unexpected events such as accidents, illness, study interruptions, and even holiday travel disruptions, with 1-month up to 12-month cover options.

Special offers

From now till 31 December 2024, enjoy 20% premium discount for all Global Study plans.

• COVID-19 cover (new) Policy is now enhanced to cover medical expenses up to SGD50,000 resulting from COVID-19.
• Medical expenses (enhanced) Covers your hospitalisation expenses up to SGD50,000 and outpatient expenses up to SGD5,000 following an illness or accidental injury so you can focus on recovering quickly.
• Adventurous activities cover When you go on a vacation from your studies, our Global Study plan covers you for accidents arising from adventurous activities such as bungee humping and sky diving.
• Leisure travel cancellation or disruption (new) Covers up to SGD300 if you encounter any cancellation or changes to your leisure trip due to hospitalisation.
• Sponsor protection cover (enhanced) Free yourself from financial worries with Global Study. Your tuition fees is covered up to SGD30,000 if your sponsor passes away or suffers from permanent total disability from an accident.
• Study interruptions cover The plan pays for your pre-paid course fees should your studies be interrupted by illness or injury.

The limits shown above are based on Premier Plan.

Summary of benefits

Learn more about full coverage details .

How to buy Global Study

Buy global study online now.

• Contact MSIG Singapore
• Submit your claims online

Important notes 

This product is underwritten by MSIG Insurance (Singapore) Private Limited ("MSIG") and distributed by HSBC Bank (Singapore) Limited ("HSBC"). It is not an obligation of, a deposit in or guaranteed by HSBC. 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. This is not a contract of insurance. It does not constitute an offer to buy an insurance product or service. It is also not intended to provide any insurance or financial advice. 

This policy is protected under the Policy Owner's Protection Scheme which is administered by the Singapore Deposit Insurance Corporation ("SDIC"). For more information on the scheme, please visit the General Insurance Association www.gia.org.sg or SDIC www.sdic.org.sg websites.

The information and opinions contained in this website are for information only, have been obtained from sources believed to be reliable, but HSBC makes no representation or warranty as to their adequacy, completeness, accuracy or timeliness for any particular purpose, are subject to change without notice, and are not intended for distribution to, or use by, any person or entity outside Singapore or in any jurisdiction or country where such distribution or use would be contrary to law, regulation or rule. HSBC does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time.  

Where specific products are advertised and/or recommended, please note (a) the recommendation is intended for general circulation; (b) the recommendation does not take into account the specific investment objectives, financial situation or particular needs of any particular person; (c) advice should be sought from a financial adviser regarding the suitability of the products, taking into account the specific investment objectives, financial situation or particular needs of any person in receipt of the recommendation, before the person makes a commitment to purchase the products; should the person choose not to do so, he should consider carefully whether the product is suitable for him; in particular, all relevant documentations pertaining to the product should be read to make an independent assessment of the appropriateness of the transaction; and (d) this advertisement has not been reviewed by the Monetary Authority of Singapore, or any regulatory authority elsewhere.

HSBC, its related companies, their directors and/ or employees may have positions or other interests in, and may effect transactions in, the product(s) mentioned here. HSBC may have alliances or other contractual agreements with the provider(s) of the product(s) to market or sell its product(s). In addition, HSBC, their directors and/or employees may also perform or seek to perform broking, investment banking and other banking or financial services for these product providers.

To the extent permitted by law, HSBC accepts no liability whatsoever for any direct indirect or consequential losses, claims or damages arising from or in connection with the use of or reliance on the information, opinions or contents herein.

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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The Bank does not have any control (editorial or otherwise) over the linked third party website and is not in any way responsible for the contents available therein. You use or follow this link at your own risk. To the extent permissible by law, the Bank shall not be responsible for any damage or losses incurred or suffered by you arising out of or in connection with your use of the link.

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Study abroad carefree with comprehensive protection

• General Insurance

Overseas Study Insurance

• Apply Now Apply Now

From now until 2 Jul 2024, enjoy 25% discount and get one HKTV Mall $50 eCoupon upon successful application for MSIG Overseas Study Insurance.

• Terms and conditions apply Terms and conditions apply

Medical protection

Travel protection

Tuition expenses

Worldwide emergency assistance services

Please scroll down for details

Benefits Table

1  Only applicable if the insured student is aged 25 or below and unmarried when his/her parent suffers bodily injury. Not applicable if the insured student’s parents are aged above 75 or his/her engagement as a worker or staff stated in major exclusion item 7.

2    All ancillary leisure trips, which are less than 30 days per trip and outside Hong Kong or Study Country/Region, taken by during the Study Journey are covered.

3   For the insured student who is aged below 18, the maximum payable is 50% of the limits of Personal Accident Section and Amateur Dangerous Sports and Activities Extension.

4   Only claim for either section 3 or section 4, in respect of any losses arising from the same cause.

5  Either travel delay cash benefit or additional transport and/or accommodation expenses is payable.

6  Not applicable to the insured student who is aged below 18.

1.The insured student must be aged between 6 and 50 and not a passport holder of the study country/region.

2.The applicant and insured student must be Hong Kong resident and at the time of application the insured student has not yet left Hong Kong for the study journey meant to be covered. *

3.The study journey should be originating from Hong Kong.

• Any circumstances or medical conditions giving rise to a claim under this policy known to have existed at the time of application or at the date of arranging the study journey
• Any sport in a professional capacity or could earn income or remuneration from engaging in such sport
• Suicide, intentional self-inflicted injury, insanity, mental or nervous disorders, sleep disorder, psychiatric disorder
• Influence of drugs or alcohol
• HIV and/or any HIV related illness including AIDS
• Flying activities other than as a fare-paying passenger with a licenced and scheduled routes carrier
• Engagement as a worker or staff in any form of manual employment or occupation, hazardous work or occupation, or listed under general exclusion of the policy
• Fighting (except in bona fide self defense), provoked assault, resistance to arrest
• Unlawful acts
• Consequential loss of any kind
• Any misrepresentation or omission to inform us of any material information
• Delay, confiscation, detention, nationalisation, requisition or destruction of or damage to property
• Pressure waves from aircraft and other airborne devices travelling at sonic or supersonic speeds
• War and terrorism (Except for terrorism extension cover)
• Radioactive contamination, chemical, biological, biochemical and electromagnetic weapons

The above is a summary of the Major Exclusions only. For details, please refer to policy provisions.

Insurance Authority (IA) has announced the collection of levy on insurance premium under the ‘Insurance Ordinance’ with effect from 1 January 2018. As a result,  all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy.

The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product. The policy may contain terms and conditions which are not detailed in the above. Should there be any discrepancy between the information contained in the above and the terms of the policy, the terms of the policy shall prevail. For exact terms and conditions and details of the exclusions, please refer to the relevant policy or contact MSIG at (852) 3122 6722 (Service Hours: Mon – Fri 9:00am – 5:30pm, except public holidays).

Disclaimer and Important Notes

The above plan is underwritten by MSIG Insurance (Hong Kong) Limited (“MSIG”) which is a general insurer authorized and regulated by the Insurance Authority of HKSAR. Standard Chartered Bank (Hong Kong) Limited (“SCBHK”) is an insurance agent appointed by MSIG (Licensed Insurance Agency FA1239). To the extent permissible by law, Standard Chartered Bank (Hong Kong) Limited shall not be liable to any person for the use of any of the above information.

The above plan, offered by MSIG, is only available for subscription by residents of the HKSAR, subject to the relevant Terms and Conditions.

The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product. The policy may contain Terms and Conditions which are not detailed in the above. If there is any discrepancy between the information contained in the above and the Terms of the policy, the Terms of the policy shall prevail. For exact Terms and Conditions and details of the exclusions, please refer to the relevant policy or contact MSIG.

The material and information contained on this Web Site is provided for general information only and should not be used as a basis for making business decisions. Any advice or information received via this Web Site should not be relied upon without consulting primary or more accurate or more up-to-date sources of information or specific professional advice. You are recommended to obtain such professional advice where appropriate.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Standard Chartered Bank (Hong Kong) Limited and the customer out of the selling process or processing of the related transaction, Standard Chartered Bank (Hong Kong) Limited will enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the product should be resolved directly between MSIG and the customer.

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