MSIG Enhanced HomePlus home insurance policy not only protects your home but also offers you complete peace of mind with up to S$270,000 renovation and home contents cover.
Features and Benefits
With MSIG Enhanced HomePlus, you will get the following benefits:
- You will be covered if you lose your domestic pet in an accident at home.
- The process of submitting a claim has been made easy as it can be done online.
- Your alternative accommodation cost, loss of rent and conservancy charges will be covered if your home gets damaged.
- You will get 24/7 support for plumber referrals, home emergencies, locksmith assistance and electrical issues.
- MSIG Enhanced HomePlus also covers the accidental costs of deterioration of frozen food, breakage of glass and mirrors at home and fraud committed by your domestic help.
- You can purchase this insurance policy online.
Plans under Enhanced HomePlus
|Coverage||Ultimate Plan||Superior Plan||Standard Plan|
|Additions to your home which do not form part of the building and renovations Personal belongings and household contents||S$120,000||S$80,000||S$50,000|
|Physical damage to your home and its contents as a result of earthquake, overflowing tanks and pipes, floods, windstorm, domestic explosion, fire and more||S$150,000||$115,000||$75,000|
|Hospital cash benefit for up to 90 days||S$75/day/person||S$75/day/person||S$50/day/person|
|Worldwide accident protection||S$30,000/adult S$15,000/child S$75,000 in aggregate||S$30,000/adult S$15,000/child S$75,000 in aggregate||S$20,000/adult S$10,000/child S$50,000 in aggregate|
|Worldwide personal liability||S$1 million in aggregate|
|Property owner’s liability|
|Emergency home assist||Included|
|Fire extinguishment expenses||S$3,000||S$3,000||S$2,000|
|Frauds committed by domestic help||S$500||S$500||Not covered|
|Damage to security systems||S$750||S$750||S$500|
|Deterioration of frozen food||S$750||S$750||S$500|
|Accident breakage of glass and mirrors||S$1,500||S$1,500||S$1,000|
|Contents removed temporarily||S$15,000||S$12,000||S$7,500|
|Fraudulent use of credit/ATM cards||S$750||S$750||S$500|
|Emergency cash allowance||S$750||S$750||S$500|
|Loss of money||S$750||S$750||S$500|
|Accidental death of domestic pet||S$750||S$750||S$500|
|Replacement of locks/keys||S$750||S$750||S$500|
|Cost of temporary protection||S$2,000||S$2,000||S$1,500|
|Removal of debris||Up to 5% of the amount insured under renovations and home contents.|
|Loss of rent or alternative accommodation||Up to 10% of the amount insured under renovations and home contents.|
|Damage to your building because of fire, domestic explosion, volcanic eruption, earthquake and more||The amount insured will reflect the cost of restoration of the apartment, house or flat, including footpath, fences, gate, walls, swimming pool, terraces, patios, permanent fixtures and fittings and driveways at the insured address, but omits drains and foundations.|
|Legal liability to third parties as a result of your proprietorship of the building||S$1 million in aggregate including all-inclusive personal liability.|
|Professional fees of Surveyors, Engineers and Architects shoring and clearing up cost||Covered as part of building amount insured.|
|Annual Premiums||Ultimate Plan||Superior Plan||Standard Plan|
|Building||S$4.28 for every S$10,000 amount insured (Minimum S$50,000)|
|Additional Cover which is valid only for ultimate plan|
|Renovations||S$4.28 for every S$10,000 amount insured (Minimum S$10,000)|
|Contents||S$16.05 for every S$10,000 amount insured (Minimum S$10,000)|
Promotions available with Enhanced HomePlus
If you purchase a Superior Plan worth S$176.55 per year, you will get a FairPrice voucher worth S$30. On the other hand, if you purchase an Ultimate Plan worth S$233.26, you will get a FairPrice voucher worth S$50. However, this promotional offer will be valid until 1 July 2018. If you have any queries regarding MSIG Enhanced HomePlus, you can call the Customer Service at 6827 2548 throughout all weekdays from 8:45 a.m. to 5:30 p.m.
Enhanced HomePlus policy exclusions
Like other home insurance policies, with Enhanced HomePlus also there are key exclusions. These exclusions include deliberate acts by the insured person or members of the insured person’s household, radioactive contamination, political risks, terrorism and war.
How to make a claim
You can file a claim online for property and liability insurance under this policy. You can contact the insurer on their 24-hour Home Emergency Hotline +65 6337 6776 or their Claims hotline available 24/7 on +65 6827 7660 to know more.