Testimonies to our Claims
As your trusted partner, delivering extraordinary claims is what differentiates us. These claims stories highlight our commitment to customers in times of need, and in going the extra mile to enhance our underwriting performance.
A Repatriation Success
It was to be a much-anticipated holiday to Guangzhou for our policyholder and her 17-year-old son. As a preschool teacher who was in excellent health, our policyholder had every reason to expect a joyful trip. However, their adventure took a sudden and alarming turn when she experienced severe symptoms and was rushed to the hospital. There, our policyholder was diagnosed with a critical aortic dissection, a life-threatening condition that required an urgent open-heart surgery.
Her husband, upon receiving the distressing news, immediately sought help from MSIG. With their son being a minor and unable to provide consent, the husband flew to Guangzhou to be by his wife's side. The hospital required a RMB 200,000 (S$40,000) deposit before proceeding with the surgery.
Our emergency travel provider promptly issued a guarantee for medical expenses, enabling the successful operation. As our policyholder gradually showed signs of improvement, we arranged for repatriation with a nurse escort for her safe return to Singapore. Plans were made swiftly for her return flight, and we successfully transferred her to a local hospital in Singapore for continued care.
Reflecting on the ordeal, her husband, Charlie expressed deep gratitude for the unwavering support they received.
Turning Setbacks into Triumphs
Imagine driving on the expressway, minding your own business, when suddenly another car collides with yours, sending you crashing into the centre divider.
This was the unfortunate reality for one of our insured drivers, part of a commercial fleet we cover for a client. Thankfully, our insured driver was not seriously injured, but the car was a total loss, beyond economical repair.
Despite clear evidence, the third-party insurer denied liability due to their policyholder's non-cooperation.
Faced with the challenge of a third-party motorist with no apparent business interests, the odds of recovering our losses seemed slim. But we didn't give up. MSIG’s claims team conducted a thorough background check and discovered that the motorist owned and inherited a landed property.
After more than five years of relentless persistence, the third-party finally agreed to sell his estate to repay the subrogation claim and cover legal costs.
