Essential Hospital Income

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Relieve your financial burden with Essential Hospital Income insurance! MSIG's hospital plan offers additional health coverage to meet rising medical inflation. This hospitalisation insurance provides daily cash benefits, which are doubled when insured is admitted into the ICU. Our plan also pays for day surgery.

Whether it's a planned procedure or an unexpected emergency, Essential Hospital Income insurance supports you every step of the way. Secure your health and financial stability with our reliable and affordable hospitalisation insurance today!

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Features & benefits

Hospitalisation Cash Benefit

Up to $400* cash benefits daily if you are hospitalised. Up to $800* daily if you require Intensive Care Unit (ICU) stay.

Day Surgery

Get additional support with a lump sum benefit payout for a day surgery procedure.

Get Well Cash

Focus on your recovery journey upon discharge from the hospital or day surgery and receive a well-wishing bonus of up to $200* per day from us.

Immediate Cover

Get covered immediately upon approval. No medical questionnaire is needed!

Discount

Enjoy 10% discount on total premium when you include your spouse in the same policy.

Flexible Premium Payment

Choose between monthly or annual premium.

*Cover and limits are based on Premier plan

Why choose MSIG?

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.

BENEFITS	CLASSIC PLAN	SILVER PLAN	PREMIER PLAN
Daily hospitalisation cash (up to 365 days per Disability)	$150 per day	$250 per day	$400 per day
ICU daily hospitalisation cash (up to 30 days per Disability)	$300 per day	$500 per day	$800 per day
Day surgery cash (up to 10 occurrences per Disability)	$150 per occurrence	$150 per occurrence	$150 per occurrence
Get well cash (up to 5 days per Disability) For each full day the insured person is issued a medical certificate and advised by a Physician to rest at home, on the insured person’s discharge from Hospital following Hospitalisation or Day Surgery.	$75 per day	$125 per day	$200 per day

No.	Questions & Answers
1	Who can enrol for this insurance? It is open to all Singapore residents and residing in Singapore. You and/or your legal spouse must be between 18 and below 60 years old. Coverage will cease when insured person attains age 70 on the expiry of the policy year.
2	What is a pre-existing condition? Any Injury, Illness, condition or symptom which existed before the commencement date of the policy for the insured person concerned, for which treatment or medication or advice or diagnosis has been sought or received or was foreseeable, or which before the commencement date of the policy presented signs or symptoms of which the insured person was aware or should reasonably have been aware.
3	Is there any waiting period? You cannot claim if the hospitalisation or day surgery for treatment of any Illness occurs within thirty (30) days from the commencement date of your policy or after the thirty (30) days period which were follow-up medical treatment(s), consultation(s) or further investigation(s) of the insured person for the same condition for which he/she received medical treatment or consultation or investigation during that thirty (30) days period, and consequences or complications related to such conditions.
4	Will I be covered if I lived outside Singapore? The cover lapses if you lived outside Singapore for a continuous period of more than six (6) months.
5	Can I add my spouse later in the policy? Your spouse can purchase the policy separately if you did not apply together during the first commencement of your policy. In this instance, the 10% discount on premiums does not apply.
6	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, dental treatment, full time military service, uniformed groups and occupations excluded under the insurance. The full details of the exclusions are contained in the policy.

This page is for general information only. You should seek advice from a qualified advisor if in doubt. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Full details of the terms, conditions and exclusions of this insurance are provided in the policy and will be sent to you upon acceptance of your application by MSIG Insurance (Singapore) Pte. Ltd.

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 contact us here or visit GIA or SDIC.