MSIG Personal Accident Insurance

ProtectionPlus is a comprehensive personal accident insurance that is designed to provide cover and monetary support in case of accidents. This insurance comprises 3 plans, each drafted to compensate for medical charges and loss of income in a number of different situations. This insurance provided by MSIG provides cover for you and your family.

Cover Offered by This Insurance

Here are some of the benefits you are entitled to if you purchase this insurance plan:

  • Cover for permanent and total disablement.
  • Daily cash benefits in case of hospitalisation.
  • Cover for temporary and total disablement.
  • Special grant for bereavement.

Here are the details of the cover offered by this insurance plan:

Benefits Sum Insured (S$
   Silver Plan Gold Plan Platinum Plan
Death 100,000 150,000 250,000
Permanent and Total Disability 150,000 225,000 375,000
Permanent and Partial Disability Up to 100,000 Up to 150,000 Up to 250,000
Temporary Total Disablement (this implies an inability to attend usual employment up to 104 weeks) 100 per week 300 per week 600 per week
Temporary Partial Disablement (this implies an inability to attend usual employment up to 104 weeks) 50 per week 150 per week 300 per week
Medical Expenses (traditional Chinese treatment, accidental dental treatment, mobility aids) 1,000 3,000 5,000
Hospitalisation benefit   50/day (max 2,500) 100/day (max 5,000) 200/day (max 10,000)
Recuperation Benefit (max 14 days)  100 250 500
Bereavement Grant  3,000 5,000 10,000

Cover for Your Child

Here are the benefits that your child is entitled to, if you choose to purchase this plan:

  • Up to 3 children will be covered for free, when both the parents enrol for the insurance at the same time.
  • If you or your spouse enrol separately, this policy will provide cover for up to 3 children according to the policy.

Here are the details of the cover offered for your children, under this policy:

Benefit Silver Plan (S$) Gold Plan (S$) Platinum Plan (S$)
Death 10,000 15,000 25,000
Permanent and Total Disablement 15,000 22,500 37,500
Medical Expenses 100 300 500

General Exclusions

Some of the situations where you will not be compensated by this policy are as follows:

  • Claims directly or indirectly resulting out of radioactive, toxic, or nuclear contamination.
  • Death, injury, and disablement as a result of acts of war, terrorism, or riot.
  • An injury caused due to engaging in potentially risky activities like parachuting, hang gliding, rock climbing, mountaineering, and underwater activities.
  • Claims arising out of instances of self-harm or attempted suicide.
  • Complications arising out of pregnancy, childbirth, miscarriage, and abortion.
  • Claims arising out of pre-existing medical conditions or physical defects.
  • If you are employed in potentially risky occupations like the military, motor bike racer, ship crew, aircrew, construction worker, or any occupation dealing with explosive or hazardous material.

Premium Payments

The premium payments that you have to make for this policy depend on your occupation. There are 3 different occupation groups, each categorised according to the level of risk involved. The different occupation groups under this policy are as follows:

  • Group 1 Occupations: Managerial and administrative employees like managers, teachers, architects, nurses, surgeons, and other such occupations.
  • Group 2 Occupations: Outdoor occupations involving light manual work without the use of any machinery, e.g. outdoor salesperson, engineers, tour guides, waiter, cleaner, storekeeper, and other similar occupations.
  • Group 3 Occupations: Jobs involving manual work and operating light machinery like cook, baker, bus driver, mechanic, plumber, renovation worker, delivery executive, electrician, etc.

Here is what your premium payments will look like, depending on your occupation group and the plan you choose to go with:

Occupation Group Silver Plan (S$ Gold Plan (S$) Platinum Plan (S$)
Applicant Spouse Applicant Spouse Applicant Spouse
Group 1 123.05 110.75 208.65 187.79 347.75 312.98
Group 2 151.94 136.75 256.80 231.12 428.00 385.20
Group 3 203.30 182.97 347.75 312.98 NA NA

Eligibility for ProtectionPlus

If you wish to get covered under this policy, you need to fulfil certain requirements. The eligibility criteria for this insurance plan are as follows:

  • You should be between 18 and 65 years of age, or
  • Your spouse should be aged between 18 and 65 years of age, or
  • Your child should be between the age of 1 and 18 years of age. If your child is studying full-time in a recognised educational institution, the age limit is raised to 23 years.

How to Buy ProtectionPlus

You can buy this insurance by visiting the website and clicking on the “Buy Online” option. Here you can initiate the purchase by answering a few policy-related questions and filling in personal information. Once you have submitted your personal information you can choose the plan that is best suited to your needs. After this, you can review the plan and purchase it by paying online.

How to Make a Claim

If you want to make a claim for situations covered by this policy, you need to take the following steps:

  • Immediately inform MSIG or your broker of any incident that might result in a claim.
  • File a police report if there is any malicious or illegal activity involved.
  • You can download the claims form online, or request it to be sent to you on your registered address.
  • Ask your concerned physician to fill in the “medical report” section of the claims form.
  • Complete rest of the form and attach it with all the relevant documents.
  • After completion, you can submit the claims form online.

Documents Required to Make a Claim

Here are some of the documents that you might need to get ready when you want to make a claim:

  • Completed claims form
  • Original medical invoices
  • Medical reports and certificates
  • Police report (if applicable)
  • Death Certificate (if applicable)
  • Post Mortem Report (if applicable)
  • Proof of relation between deceased and claimant (if applicable)

Cancellation Policy

If you wish to discontinue this policy, you may do so by giving a notice of 14 days. You need to send a registered letter to MSIG, informing them of the cancellation. You are entitled to a refund of premium, provided that there is no claim in the time period. An amount less than S$10 will not be refunded.

If due to some reason, MSIG decides to cancel the insurance, your premium will be refunded on a pro-rata basis.

Contact Information

Here is how you can get in touch with MSIG regarding any enquiry or assistance:

  • You can call on +65 6323 8388 for a 24-hour healthcare hotline.
  • For claims related enquiries, you can call +65 6827 7660.
  • You can also inquire about claims by faxing on +65 6225 6371.
  • For customer service related enquiries you can call on +65 6827 7602.
  • You can also get in touch with MSIG by sending an SMS to 9158 1660.

ProtectionPlus is a plan that will support you with cash benefits and compensation in case of hospitalisation due to unfortunate accidents. This insurance plan will provide cover for a number of situations for you and your family members. You can easily buy this insurance plan online, with premiums starting at S$110.75.

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