Global Study
MSIG offers comprehensive overseas student insurance designed for students pursuing studies abroad. This plan covers essential medical expenses, personal accident protection, and emergency medical evacuation. The plan pays for the student's tuition fees if the sponsor passes away or suffers a permanent disability, allowing the insured to continue their educational journey with minimal disruption.
Global Study extends support for out-of-hospital trauma counselling, covering claims for psychological support related to traumatic events. With MSIG's overseas student insurance, you can be assured of a safe and secure study experience abroad.
Features & benefits
Medical Expenses
Global Study covers your hospitalisation fees up to $50,000 following an illness so you can focus on recovering quickly.
Leisure Travel Cover
With Global Study, we safeguard your leisure trips and reimburse for cancellation or non-refundable travel expenses should you be hospitalised from an injury.
Loss of Personal Belongings at Overseas Residence
The plan insures against loss of or damage to personal belongings due to theft, fire or natural disaster.
Sponsor Protection
Should your sponsor pass away or suffers permanent total disability due to an accident, Global Study pays for your tuition fees up to $30,000.
Transport allowance for Follow-up Medical Appointments
Claim up to $100 to help defray transport expenses for follow-up medical appointment after your hospitalisation.
Why choose MSIG?
Simple to Buy
Getting overseas study insurance has never been easier! Buy online and receive your e-policy instantly.
24/7 Hotline
Our travel emergency hotline and live chat ensure there is always someone to connect you to medical care and evacuation, no matter which time zone you are in.
Claims Made Easy
Save time by submitting your overseas study insurance claim online! We keep our process as simple as possible to bring your claim to a fair settlement.
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| BENEFITS SUMMARY | Standard Plan | Classic Plan | Premier Plan |
|---|---|---|---|
| Individual | Individual | Individual | |
| Sum Insured | Sum Insured | Sum Insured | |
SECTION 7Medical & travel assistance services |
Available | Available | Available |
SECTION 8Emergency medical evacuation and repatriation |
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|
8.1 Emergency medical evacuation 8.2 Sending you home after a medical emergency evacuation 8.3 Sending home your mortal remains |
$1,000,000 | $1,000,000 | $1,000,000 |
SECTION 9Hospital visit by a relative |
$5,000 | $7,500 | $10,000 |
SECTION 10Compassionate visit by a relative |
$5,000 | $7,500 | $10,000 |
SECTION 11Child guard |
$5,000 | $7,500 | $10,000 |
SECTION 12Study interruptions (per lifetime)* |
$10,000 | $12,500 | $15,000 |
SECTION 13Sponsor protection (per lifetime)* |
$15,000 | $20,000 | $30,000 |
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| BENEFITS SUMMARY | Standard Plan | Classic Plan | Premier Plan |
|---|---|---|---|
| Individual | Individual | Individual | |
| Sum Insured | Sum Insured | Sum Insured | |
SECTION 14Loss of baggage on common air carrierSub-limit: |
$1,000 | $2,000 | $3,000 |
SECTION 15Damage of prescriptive lenses |
$50 | $100 | $150 |
SECTION 16Loss of travel document |
$500 | $500 | $500 |
SECTION 17Delayed baggage |
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|
While overseas |
Max. $500 $50 |
Max. $750 $75 |
Max. $1,000 $100 |
|
While in Singapore |
Max. $50 | Max. $75 | Max. $100 |
SECTION 18Delayed departure |
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|
While overseas |
Max. $500 $50 |
Max. $1,000 $50 |
Max. $1,500 $100 |
|
While in Singapore |
Max. $50 | Max. $50 | Max. $100 |
SECTION 19Leisure travel cancellation or disruption |
$100 | $200 | $300 |
SECTION 20Entertainment ticket cancellation |
$100 | $200 | $300 |
| BENEFITS SUMMARY | Standard Plan | Classic Plan | Premier Plan |
|---|---|---|---|
| Individual | |||
| Sum Insured | |||
SECTION 21Personal liability |
$300,000 | $500,000 | $750,000 |
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| BENEFITS SUMMARY | Standard Plan | Classic Plan | Premier Plan |
|---|---|---|---|
| Individual | Individual | Individual | |
| Sum Insured | Sum Insured | Sum Insured | |
SECTION 22Loss of personal belongings at overseas residence (per policy)Sub-limit: |
$2,000 | $3,000 | $5,000 |
SECTION 23Alternative accommodation (per policy)Sub-limit: |
$2,000 | $3,000 | $4,000 |
SECTION 24Adventurous activities cover |
Not covered | Covered | Covered |
SECTION 25Trauma counselling |
$500 | $1,000 | $2,000 |
| BENEFITS SUMMARY | Standard Plan | Classic Plan | Premier Plan |
|---|---|---|---|
| Individual | |||
| Sum Insured | |||
SECTION 26Terrorism cover |
$150,000 | $200,000 | $250,000 |
SECTION 27Passive war extension |
Covered | Covered | Covered |
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| Benefits | Standard Plan | Classic Plan | Premier Plan |
|---|---|---|---|
| Individual | Individual | Individual | |
| Limit of Benefits | Limit of Benefits | Limit of Benefits | |
Section 28Overseas medical expenses due to COVID-19 |
Not covered | $25,000 Inpatient only |
$50,000 Inpatient only |
Section 29Overseas hospitalisation daily benefit due to COVID-19 |
Not covered | $1,000 $50 per day |
$2,000 $100 per day |
Section 30Emergency medical evacuation and repatriation due to COVID-19 |
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|
30.1 Emergency medical evacuation 30.2 Sending you home after a medical emergency evacuation 30.3 Sending home your mortal remains |
$1,000,000 | $1,000,000 | $1,000,000 |
Section 31Hospital visit by a relative due to COVID-19Sub-limit: |
Not covered | $7,500 $400 per day |
$10,000 $500 per day |
Section 32Compassionate visit by a relative due to
|
Not covered | $7,500 $400 per day |
$10,000 $500 per day |
* This benefit is applicable for insured student only and does not apply for insured spouse or insured child.
| No. | Questions & Answers | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 |
Who is Global Study Insurance suited for? Global Study Insurance is designed to cover students who are planning to travel overseas for educational purposes. The insured student should either be: a) registered and studying in an overseas educational institution as a part-time or full-time student, or b) participating in a student exchange program, industrial attachment or internship with an overseas establishment as arranged or required by their educational institution. Additionally, accompanying spouse and up to 5 children of the insured student can also be covered under one policy. |
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| 2 |
What are the eligibility criteria for Global Study Insurance? 1. Insured person(s) must be a Singaporean or Singapore permanent resident, and normally residing in Singapore at the start of the period of insurance. 2. At the start of the period of insurance and at each renewal, insured person(s) must be: a) For insured student: aged 12 years to 59 years b) For insured spouse: aged 18 years to 59 years c) For insured child: aged one month to below 18 years, and 18 to 25 years if unmarried and unemployed during the period of insurance. Up to five of the insured student’s children may be insured if they are travelling with the insured student. |
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| 3 |
Who can apply the Global Study Insurance for the student? Student below 18 years old Parent can apply for the policy as policyholder with their child as the insured student. Student above 18 years old The student can apply for the policy under their own name as the policyholder and insured person. Premium payment can be made by the student or parent |
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| 4 |
Does Global Study Insurance cover COVID-19? Yes. Global Study Insurance provides the following COVID-19 benefits:
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| 5 |
Can I extend the period of insurance if the duration of my overseas study is extended? Yes, the 1-, 3- and 6-month policies can be extended at 1 month block basis. The annual plans can only be renewed on 12 months’ basis and you can cancel and request for a refund when you no longer require the cover, provided there are no claims in the policy. Please contact us at least 2 weeks prior to the policy expiry date for assistance. |
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| 6 |
Is the policy renewable? Only the 12-month policy is renewable. We will send you the renewal invitation to the Policy mailing address about 6 weeks before the Policy expiry date. |
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| 7 |
Are leisure activities such as skiing, snorkelling and bungee jumping covered? Yes, such leisure adventurous activities are covered under the Classic and Premier Plan only, provided they are conducted by a licensed operator and the insured person follows all safety and health instructions, guidelines or regulations. Please refer to the policy for details. |
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| 8 |
What are the key exclusions? Global Study Insurance does not cover for:
For complete general exclusions, please refer to the policy wordings. |
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| 9 |
Am I covered for leisure trips during my overseas study? Yes. The insurance covers multiple leisure trips within and outside the country of study, undertaken by the insured person before, during and after study, except in Singapore, and within the period of insurance. Leisure trips are covered so long as the round trip (departure from and return to Singapore) comprises travel to the country of study. Examples of covered leisure trips:
Example of non-covered leisure trip:
The leisure trip to Thailand is not covered as the round trip from Singapore to Thailand and back to Singapore does not comprise of travel to the country of study. Please refer to next FAQ on trips back to Singapore. |
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| 10 |
Am I covered if I travel back to Singapore for term breaks and return to the country of study? Yes. All homebound trips are covered and will end three hours after your return to Singapore so long as the trips are within the period of insurance. Cover will be reactivated when you leave Singapore for your country of study. |
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| 11 |
Can I cancel the policy? You may cancel the policy at any time by giving seven (7) days' written notice of cancellation to us and provided no claim is made under the policy.
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| 12 |
How do I make a claim? If you wish to file a claim on your insurance, you have to do so within 30 days of any event giving rise or likely to give rise to a claim. You can download the claim form or submit your claims here |
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| 13 |
If I have bought the new Global Study Insurance, can I add my spouse or children mid-way? Yes, for addition of spouse and/or child, please email us the following information:
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| 14 |
Can I delete my spouse and children from the policy cover mid-way, or change my plan after buying the new Global Study Insurance? If your policy is under 1-, 3- or 6-month cover, we will not allow deletion of any insured person. If your policy is 12 months’ cover (annual plan), we allow the deletion of insured spouse or insured children. We will refund based on the Cancellation short period rate, provided the policy has no claims. For all policies, we do not allow any change of plan type after the policy is issued. |
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This page is for general information only. 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.
