Hospital CashPlus Show all

Benefits

No matter what you value in life, good health comes first. Hospital CashPlus dispenses daily cash payouts so you can focus on getting your health back on track.

Hospitalisation Cash Benefit
Free yourself from financial worries with MSIG’s hospital insurance. We pay cash benefits of up to $225,000 if you are hospitalised in Singapore and overseas, or outside of your home country.

Recuperation Cash Benefit
Receive a well-wishing gift from us with $1,000 recuperation cash benefit paid out upon discharge from your hospital stay of at least 7 days.

Emergency Outpatient Benefit
We reimburse you up to $1,000 worth of emergency outpatient medical treatment expenses following an accident.

Overseas Medical Evacuation and Repatriation
Even when you are far from home, Hospital CashPlus continues to protect you. We cover you for emergency medical evacuation and repatriation of up to $200,000.

Discount off Renewal Premium
For every 12 months you stay claim-free, we reward you with 25% savings on your renewal premiums.


24/7 Helpline
Our emergency hotline ensures there is always someone to connect you to medical care and evacuation, no matter which time zone you are in.

Claims Made Easy
We keep our process as simple as possible to bring your hospital insurance claim to a fair settlement.

Plans

Benefits 5 & 7 are subject to the occurrence of an Accident.

For further information on health insurance and what you should know before you make a purchase decision, please refer to the Guide to Health insurance produced by the Life Insurance Association and the General Insurance Association. Click here for the English or Chinese versions. Please note that you will be re-directed to a third party website and MSIG shall not be held responsible or liable for any content on these websites.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please visit MSIG, GIA or SDIC.

Premiums

Annual Premium Per Insured Person (inclusive of 7% GST)

  1. Eligibility:
    • -Insured Person aged at least 18 years and below 51 years old.  
    • -Insured Person's Dependent (legal spouse) aged at least 18 years and below 51 years old.  
    • -Insured Person's Dependent (unmarried legal child) aged at least 15 days old after the date of normal healthy birth or 15 days after discharged in a normal healthy condition from the Hospital where birth took place, whichever is later, and below 18 years old, who is dependent upon the Insured Person for support with his/her Usual Country of Residence as Singapore.  
  2. Home Country means the country which the Insured Person holds a passport. If there is more than one passport, then the country declared in the Application form will be deemed the Home Country. 
  3. Latest age for enrolment is 50 years old and renewable up to age 70.
  4. Premium will increase according to the next higher age band.
  5. Cover excludes any pre-existing conditions as defined in the Policy.
  6. A Waiting Period of 30 days from the commencement of the insurance applies during which any claim arising from Illness is not covered. 
  7. Persons in uniformed groups or law enforcement personnel and occupations such as divers, rig workers, ship and air crew, construction workers, work involving explosives, hazardous gases are excluded from cover. For the full list of excluded occupations, please check with your regular insurance advisor or contact MSIG Insurance.
  8. Each Insured Person shall not be covered under more than one Hospital CashPlus insurance.

FAQs

1. Under what circumstance can I claim benefits under Hospital CashPlus insurance?

This insurance pays in the event you are hospitalised from accidental injury or illness, anytime and anywhere in the world, provided:

i) such injury or illness is not a pre-existing condition, or
ii) non-elective treatment, or
iii) an illness commencing after 30 days from an Insured Person's enrolment to this insurance.


2. What is a pre-existing condition?

This refers to any injury or illness, condition or symptom:

(a) for which treatment, medication, advice or diagnosis has been sought or received or was foreseeable prior to the commencement of cover for the Insured Person concerned under the Policy, or

(b) which presented signs or symptoms of which the Insured Person concerned was aware or should reasonably have been aware or which originated or existed, prior to the commencement of cover for the Insured Person concerned under the Policy.


3. If I plan to seek my medical treatment outside Singapore, can I make a claim under the Overseas Daily Hospitalisation Cash benefit?  

The Overseas Daily Hospitalisation Cash benefit does not cover for elective medical treatment or non-emergency treatment outside of Singapore and/or outside your home country.


4. How does the 10% discount apply if my spouse or children enrol for cover after I have commenced the insurance?

The discount will apply upon the policy's renewal for all insured persons. It is, therefore, advantageous for you and your spouse/child to be enrolled at the same time and on the same plan.


5. Do I need to inform MSIG if I have a change of my occupation or recreation?

Yes. The cover and terms may be varied or discontinued if your new occupation and recreation is more hazardous than when you first proposed for insurance or if it falls within the excluded occupations and recreations in the policy. 


6. Will I be covered if I lived outside Singapore?

The cover lapses automatically if you lived outside Singapore for a continuous period of more than 90 days.


7. Will a foreigner who holds this insurance and is hospitalised while holidaying in his home country be entitled to the Overseas Daily Hospitalisation benefit?

The benefit will not apply when he is in his home country. Only the Daily Hospitalisation Daily Cash benefit is payable.


8. What are the policy exclusions?

The key exclusions are war and terrorism, radioactive and nuclear activity, pre-existing conditions, routine medical examinations, pregnancy or childbirth or miscarriage, mental illness, full time military service, uniformed groups and occupations excluded under the insurance. The full details of the exclusions are contained in the policy.

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