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MSIG Health Insurance plans and promotions in Singapore 2019

MSIG Health Insurance Plans

MSIG Insurance (Singapore) Pte. Ltd. ("MSIG Singapore"), a member of the MS&AD Insurance Group, is one of Singapore’s leading general insurers. With a local presence of over 100 years, MSIG Singapore offers an extensive range of insurance solutions for commercial and personal risk protection, enabling the security and safety of individuals and businesses. Wholly owned by MSIG Holdings (Asia) Pte. Ltd., MSIG Singapore holds an A+/Stable financial rating by Standard & Poor’s. MS&AD Insurance Group was formed in April 2010 from the business integration of the Mitsui Sumitomo Insurance Group Holdings, Inc., Aioi Insurance Co. Ltd., and Nissay Dowa General Insurance Co., Ltd. Today MS&AD is one of the largest general insurance groups in the world with presence in 42 countries and regions, 17 of which are in Asia. Based in Japan, MS&AD is active in five business domains, namely domestic (Japanese) non-life insurance, domestic (Japanese) life insurance, overseas business, financial services business and risk-related business.

Prestige Healthcare Platinum Plan

A moderately comprehensive policy with maternity as an add-on option. It offers additional benefits such as increased international cover, compassionate grant, emergency medical advice etc. However, note that outpatient benefits and coverage are low and it is subject to deductible.

Benefit List

Annual Limit - Annual Limit
Annual Limit
S$3,000,000
Hospitalization - Annual Limit
In-patient Limit
S$1,000,000
Hospitalization - Hospital Accommodation
Hospital Accommodation
Covered
Intensive Care
Covered
Accommodation for Parent
Covered
Hospitalization Cash Benefit
Hospitalization - In-patient Surgery
In-patient Surgery
Covered
Operating Theatre
Covered
Surgical Implants
Covered
Hospitalization - Diagnostic Tests
Diagnostic Tests
Covered
Advanced Imaging
Hospitalization - Organ Transplant
Organ Transplant
Covered
Donor expenses
Hospitalization - Physiotherapy
Prescribed Physiotherapy
Covered
Hospitalization - Rehabilitation
Rehabilitation
Hospitalization - Palliative / Hospice care
Hospice care
Hospitalization - Home Nursing
Home Nursing
Covered
Hospitalization - Ambulance
Local Ambulance
Covered
Air Ambulance
Hospitalization - Treatment
Kidney Dialysis
Covered
Mental Health conditions and disorders
Covered
Cancer Treatment
Covered
Class of Ward
Outpatient - Annual Limit
Outpatient Limit
S$25,000 (deductible of S$100 per claim)
Outpatient - Outpatient surgery
Surgery
Outpatient - Medical Pracitioner Fees
Medical Fees
Covered
Outpatient - Specialist Fees
Specialist Fees
Covered
Outpatient - Diagnostic Tests
Diagnostic Tests
Covered
Outpatient - Long Term Care
Long Term Care
Outpatient - Prosthetic Devices
Prosthetic Devices
Mobility Aids
S$500
Medical Appliances
Outpatient - Alternative Treatment
Chiropractic, osteopathy, homeopathy
S$2,000
Traditional Chinese Medicine
S$2,000
Acupuncture
S$2,000
Outpatient - HIV / AIDS
HIV / AIDS
Outpatient - Physiotherapy
Prescribed Physiotherapy
S$2,000
Outpatient - Treatment
Kidney Dialysis
S$1,000,000
Mental Health condition and disorder, Addiction
Cancer
S$1,000,000
Wellbeing - Health Check
Routine Health Check
Cancer Screening
Wellbeing - Vaccinations
Vaccinations
Child Immunisation
Eldery Care
Prescribed Medication - Prescription Drugs
Inpatient
Covered
Outpatient
Covered
Maternity - Pregnancy & Birth
Pregnancy & Birth
Pre-natal
Post-natal
Maternity - Newborn Care
Newborn Care
Maternity - Congenital Disorder
Congenital Disorder
Maternity - Complications of Pregnancy
Complications
Dental - Emergency In-patient Treatment
Emergency In-patient
Covered
Dental - Emergency Outpatient Treatment
Emergency Outpatient
Dental - Routine Dental Treatment
Routine Dental
Dental - Oral Surgery
Oral Surgery
Dental - Periodontics
Periodontics
Dental - Orthodontics
Orthodontics
Optical - Eye Examination
Eye Examination
Optical - Glasses & Contacts
Glasses & Contacts
Optical - Laser Eye Treatment
Laser / Lasik
Evacuation & Repatriation - Medical Evacuation
Evacuation
S$1,000,000
Evacuation & Repatriation - Medical Repatriation
Repatriation
S$1,000,000
Evacuation & Repatriation - Companion Expenses
Companion Expenses
Evacuation & Repatriation - Compassionate Visit
Travel Costs
Covered
Living Allowance
Evacuation & Repatriation - Medication
Supply and Delivery of medication
Covered
Evacuation & Repatriation - Repatriation of Mortal Remains
Repatriation of Mortal Remains
S$1,000,000
Miscellaneous - Unintentional Infraction of Law
Legal Expenses
Advance cost of bail
Translation of legal documents
Miscellaneous - Personal Effects Stolen
Cash advance
Urgent Messages
Miscellaneous - Death of family member
Home Travel
Miscellaneous - Claims
Direct Billing
Mobile App
Miscellaneous - Waiting Period
Maternity Waiting Period
Dental Waiting Period
Other Waiting Period
Miscellaneous - Lifetime Limits
Lifetime Limits
Miscellaneous - Renewal
Maximum Renewable Age
Renewal Premiums
Miscellaneous - Portability
Portability

Prestige Healthcare Deluxe Plan

A middle of the road policy with maternity as an add-on option. It offers additional benefits such as increased international cover, compassionate grant, emergency medical advice etc. However, note that outpatient benefits and coverage are not included in this plan.

Benefit List

Annual Limit - Annual Limit
Annual Limit
S$1,500,000
Hospitalization - Annual Limit
In-patient Limit
S$500,000
Hospitalization - Hospital Accommodation
Hospital Accommodation
Covered
Intensive Care
Covered
Accommodation for Parent
Covered
Hospitalization Cash Benefit
Hospitalization - In-patient Surgery
In-patient Surgery
Covered
Operating Theatre
Covered
Surgical Implants
Covered
Hospitalization - Diagnostic Tests
Diagnostic Tests
Covered
Advanced Imaging
Hospitalization - Organ Transplant
Organ Transplant
Covered
Donor expenses
Hospitalization - Physiotherapy
Prescribed Physiotherapy
Covered
Hospitalization - Rehabilitation
Rehabilitation
Hospitalization - Palliative / Hospice care
Hospice care
Hospitalization - Home Nursing
Home Nursing
Covered
Hospitalization - Ambulance
Local Ambulance
Covered
Air Ambulance
Hospitalization - Treatment
Kidney Dialysis
Covered
Mental Health conditions and disorders
Covered
Cancer Treatment
Covered
Class of Ward
Outpatient - Annual Limit
Outpatient Limit
Outpatient - Outpatient surgery
Surgery
Outpatient - Medical Pracitioner Fees
Medical Fees
Outpatient - Specialist Fees
Specialist Fees
Outpatient - Diagnostic Tests
Diagnostic Tests
Outpatient - Long Term Care
Long Term Care
Outpatient - Prosthetic Devices
Prosthetic Devices
Mobility Aids
S$400
Medical Appliances
Outpatient - Alternative Treatment
Chiropractic, osteopathy, homeopathy
S$1,000
Traditional Chinese Medicine
S$1,000
Acupuncture
S$1,000
Outpatient - HIV / AIDS
HIV / AIDS
Outpatient - Physiotherapy
Prescribed Physiotherapy
S$1,000
Outpatient - Treatment
Kidney Dialysis
S$500,000
Mental Health condition and disorder, Addiction
Cancer
S$500,000
Wellbeing - Health Check
Routine Health Check
Cancer Screening
Wellbeing - Vaccinations
Vaccinations
Child Immunisation
Eldery Care
Prescribed Medication - Prescription Drugs
Inpatient
Covered
Outpatient
Maternity - Pregnancy & Birth
Pregnancy & Birth
Pre-natal
Post-natal
Maternity - Newborn Care
Newborn Care
Maternity - Congenital Disorder
Congenital Disorder
Maternity - Complications of Pregnancy
Complications
Dental - Emergency In-patient Treatment
Emergency In-patient
Covered
Dental - Emergency Outpatient Treatment
Emergency Outpatient
Dental - Routine Dental Treatment
Routine Dental
Dental - Oral Surgery
Oral Surgery
Dental - Periodontics
Periodontics
Dental - Orthodontics
Orthodontics
Optical - Eye Examination
Eye Examination
Optical - Glasses & Contacts
Glasses & Contacts
Optical - Laser Eye Treatment
Laser / Lasik
Evacuation & Repatriation - Medical Evacuation
Evacuation
S$500,000
Evacuation & Repatriation - Medical Repatriation
Repatriation
S$500,000
Evacuation & Repatriation - Companion Expenses
Companion Expenses
Evacuation & Repatriation - Compassionate Visit
Travel Costs
Covered
Living Allowance
Evacuation & Repatriation - Medication
Supply and Delivery of medication
Covered
Evacuation & Repatriation - Repatriation of Mortal Remains
Repatriation of Mortal Remains
S$500,000
Miscellaneous - Unintentional Infraction of Law
Legal Expenses
Advance cost of bail
Translation of legal documents
Miscellaneous - Personal Effects Stolen
Cash advance
Urgent Messages
Miscellaneous - Death of family member
Home Travel
Miscellaneous - Claims
Direct Billing
Mobile App
Miscellaneous - Waiting Period
Maternity Waiting Period
Dental Waiting Period
Other Waiting Period
Miscellaneous - Lifetime Limits
Lifetime Limits
Miscellaneous - Renewal
Maximum Renewable Age
Renewal Premiums
Miscellaneous - Portability
Portability

Prestige Healthcare Elite Plan

A basic policy with maternity as an add-on option. It offers additional benefits such as increased international cover, compassionate grant, emergency medical advice etc. However, note that outpatient benefits and coverage are not included in this plan.

Benefit List

Annual Limit - Annual Limit
Annual Limit
S$900,000
Hospitalization - Annual Limit
In-patient Limit
S$300,000
Hospitalization - Hospital Accommodation
Hospital Accommodation
Covered
Intensive Care
Covered
Accommodation for Parent
Covered
Hospitalization Cash Benefit
Hospitalization - In-patient Surgery
In-patient Surgery
Covered
Operating Theatre
Covered
Surgical Implants
Covered
Hospitalization - Diagnostic Tests
Diagnostic Tests
Covered
Advanced Imaging
Hospitalization - Organ Transplant
Organ Transplant
Covered
Donor expenses
Hospitalization - Physiotherapy
Prescribed Physiotherapy
Covered
Hospitalization - Rehabilitation
Rehabilitation
Hospitalization - Palliative / Hospice care
Hospice care
Hospitalization - Home Nursing
Home Nursing
Covered
Hospitalization - Ambulance
Local Ambulance
Covered
Air Ambulance
Hospitalization - Treatment
Kidney Dialysis
Covered
Mental Health conditions and disorders
Covered
Cancer Treatment
Covered
Class of Ward
Outpatient - Annual Limit
Outpatient Limit
Outpatient - Outpatient surgery
Surgery
Outpatient - Medical Pracitioner Fees
Medical Fees
Outpatient - Specialist Fees
Specialist Fees
Outpatient - Diagnostic Tests
Diagnostic Tests
Outpatient - Long Term Care
Long Term Care
Outpatient - Prosthetic Devices
Prosthetic Devices
Mobility Aids
S$300
Medical Appliances
Outpatient - Alternative Treatment
Chiropractic, osteopathy, homeopathy
S$750
Traditional Chinese Medicine
S$750
Acupuncture
S$750
Outpatient - HIV / AIDS
HIV / AIDS
Outpatient - Physiotherapy
Prescribed Physiotherapy
S$750
Outpatient - Treatment
Kidney Dialysis
S$300,000
Mental Health condition and disorder, Addiction
Cancer
S$300,000
Wellbeing - Health Check
Routine Health Check
Cancer Screening
Wellbeing - Vaccinations
Vaccinations
Child Immunisation
Eldery Care
Prescribed Medication - Prescription Drugs
Inpatient
Covered
Outpatient
Maternity - Pregnancy & Birth
Pregnancy & Birth
Pre-natal
Post-natal
Maternity - Newborn Care
Newborn Care
Maternity - Congenital Disorder
Congenital Disorder
Maternity - Complications of Pregnancy
Complications
Dental - Emergency In-patient Treatment
Emergency In-patient
Covered
Dental - Emergency Outpatient Treatment
Emergency Outpatient
Dental - Routine Dental Treatment
Routine Dental
Dental - Oral Surgery
Oral Surgery
Dental - Periodontics
Periodontics
Dental - Orthodontics
Orthodontics
Optical - Eye Examination
Eye Examination
Optical - Glasses & Contacts
Glasses & Contacts
Optical - Laser Eye Treatment
Laser / Lasik
Evacuation & Repatriation - Medical Evacuation
Evacuation
S$300,000
Evacuation & Repatriation - Medical Repatriation
Repatriation
S$300,000
Evacuation & Repatriation - Companion Expenses
Companion Expenses
Evacuation & Repatriation - Compassionate Visit
Travel Costs
Covered
Living Allowance
Evacuation & Repatriation - Medication
Supply and Delivery of medication
Covered
Evacuation & Repatriation - Repatriation of Mortal Remains
Repatriation of Mortal Remains
S$300,000
Miscellaneous - Unintentional Infraction of Law
Legal Expenses
Advance cost of bail
Translation of legal documents
Miscellaneous - Personal Effects Stolen
Cash advance
Urgent Messages
Miscellaneous - Death of family member
Home Travel
Miscellaneous - Claims
Direct Billing
Mobile App
Miscellaneous - Waiting Period
Maternity Waiting Period
Dental Waiting Period
Other Waiting Period
Miscellaneous - Lifetime Limits
Lifetime Limits
Miscellaneous - Renewal
Maximum Renewable Age
Renewal Premiums
Miscellaneous - Portability
Portability
Learn more about these policies from
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