MSIG Enhanced HomePlus

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

  Amount Insured
Coverage Ultimate Plan Superior Plan Standard Plan
Section 1      
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
Section 2      
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
Section 3      
Worldwide personal liability S$1 million in aggregate
Property owner’s liability
Section 4      
Emergency home assist Included
Additional benefits
Fire extinguishment expenses S$3,000 S$3,000 S$2,000
Frauds committed by domestic help S$500 S$500 Not covered
Conservancy charges S$750 S$750 S$500
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.
Optional Cover
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.

Premiums

Annual Premiums Ultimate Plan Superior Plan Standard Plan
Premium $233.26 $176.55 $118.77
Optional Cover
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.

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