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MSIG Health Insurance

Enjoy greater peace of mind with MSIG's comprehensive healthcare coverage.

Unexpected events – be it an accident or illness – often interrupt and alter the course of our lives. In worst-case scenarios, it can also lead to a financial catastrophe for you and your loved ones, especially if you’re the sole breadwinner in the family.

Fortunately, MSIG offers a range of health insurance coverage that can help take the sting out of exorbitant medical bills so you can focus on recovery. Take a closer look at the different policies available and decide if they are suited to your needs.

Compare all MSIG health insurance plans

Name Product Purpose Lifetime Coverage COVID-19 coverage Eligible Age Last entry age
MSIG CancerCare Plus
Provides a lump sum payment in the event of a Major Cancer or Early Stage Cancer diagnosis
No
No
20-64
84
Apply online and get 20% off. T&Cs apply. Valid until 19 Dec 2021.
MSIG ProtectionPlus
Personal Accident Insurance
No
No
18-65
65
Apply online and get 30% off ProtectionPlus. T&Cs apply. Valid until 19 Dec 2021.
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Quick verdict

Good for
  • Asia’s leading general insurance brand
  • Competitive coverage to premiums ratio
  • Sign-up promotions and discounts
Not so great for
  • Limited health insurance plans and add-ons
  • Premiums can get considerably pricey for older consumers (MSIG CancerCare Plus)

Limited offer

Ongoing online sign-up promotions:

  • MSIG CancerCare Plus. Enjoy 20% discount on your MSIG CancerCare Plus policy.
  • MSIG ProtectionPlus. Get 30% discount on all MSIG ProtectionPlus plans.

All listed promotions are valid till 19 Dec 2021. Terms and conditions apply.

What types of health insurance does MSIG offer?

MSIG currently offers 2 health insurance policies (Freelancer CashPlus and CancerCare Plus), as well as a personal accident cover (MSIG ProtectionPlus).

Although these plans are quite different from each other, they are all designed to cover against the financial implications that’d potentially arise from illnesses, injuries, disabilities or other medical situations.

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Freelancer CashPlus

Protect against loss of income with up to $120 daily cash payout when you’re unable to work due to injury or illness.

  • Affordable premiums and flexible payment options. Premiums start as low as $6.89 per week. Choice of weekly, monthly or annual payments.
  • Cover options. Choose between Basic or Elite coverage depending on your budget and needs.
  • Daily hospitalisation cash benefit. For hospitalisation due to injuries or illness, you’ll receive $80 (Basic) or $120 (Elite) per day after the excess period – first 3 days. Maximum payout capped at 60 days per year.
  • Daily outpatient cash benefit. For outpatient leave due to injuries or illness, you’ll receive $80 (Basic) or $120 (Elite) per day after the excess period – first 5 days. Maximum payout capped at 21 days per year.
  • Total maximum annual payout. The total annual maximum payout for both hospitalisation and outpatient cash benefit (both Basic and Elite plans) is capped at 60 days.
  • Occupation-based premium rates. The premium rates are based on the risk classification for your occupation, as each type poses a different level of workplace risk.
  • Eligibility criteria. You’ll need to be a self-employed Singapore Citizen or Permanent Resident, between 18 and 75 years old.

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CancerCare Plus

A straightforward and competitively priced policy that provides a lump-sum payment upon diagnosis of major or early-stage cancer.

  • Basic benefit. Receive the full payment of the assured sum ($100,000) upon diagnosis of major cancer.
  • Accelerated benefit. Receive 50% of the assured sum ($50,000) upon diagnosis of early-stage cancer. Additionally, your cover continues with automatic renewal even after you’ve claimed the accelerated benefit.
  • Policy renewable up to age 84. Individuals who purchased the cover before turning 65 years old will be eligible for automatic policy renewal up to 84 years old.
  • Quick and simple application. Apply online and get instant policy issuance with just 3 simple health declarations, with no medical checkup required.

MSIG CancerCare Plus

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Protection Plus

A well-rounded personal accident policy that provides financial benefits in the case of accidental death, disability and injury.

  • Cover options. Choose from 3 levels of cover: Silver, Gold and Platinum.
  • Wide range of benefits. Receive substantial financial compensation in the event of accidental death, disability and injury, plus all phases of suffering including hospitalisation, treatment, rehabilitation, recovery and even bereavement.
  • Free child cover. Get up to 3 complimentary child covers when you and your spouse enrol for the policy at the same time.
  • Occupation-based premium rates. The premium rates are based on the risk classification for your occupation, as each type poses a different level of workplace risk.
  • Policy renewal bonus. You’ll be entitled to a 10% increased cover for Death and Permanent Disablement benefit for every consecutive renewal (up to the third renewal – max 30% increased cover) as long as you did not make any claims in the preceding year.
  • Eligibility criteria. All individuals residing in Singapore (between 18 and 65 years old), their legal spouse and children.

MSIG ProtectionPlus

General exclusions

While the exclusions differ between MSIG health insurance policies, you’ll typically not be covered for claims/incidents arising from:

  • Related pre-existing conditions
  • Influence of alcohol or non-prescription drugs
  • Injury caused by suicide, self-injury or wilful exposure to peril
  • Failure to seek or follow medical advice
  • Acts of war, terrorism or invasion
  • Radioactive, electromagnetic, chemical, biological or biochemical causes

Making a claim

You may file a claim online – including via your mobile phone – on MSIG’s website. Alternatively, you can also download a copy of the claim form or request for the form to be sent to you. The “Medical Report” section of the claim form should be completed by your attending doctor.

Supporting documents

Be sure to provide the following along with your claim form, if applicable:

  • Original medical bills or receipts
  • Original clinic bills or receipts
  • Medical report/discharge summary
  • Copy of work permit (if applicable)

Eligibility criteria for MSIG health insurance

The eligibility requirement vary between MSIG health insurance plans, so make sure to check before applying:

  • MSIG Freelancer CashPlus. Self-employed Singaporeans/PR between 18 and 75 years old
  • MSIG CancerCare Plus. Singapore residents between 20 and 64 years old
  • MSIG ProtectionPlus. Singapore residents between 18 and 65 years old, as well as their dependents

About MSIG

With a presence in Singapore for over 100 years, MSIG is a well-trusted brand in Singapore and one of Asia’s leading general insurers. The brand is one of the few foreign‑based general insurers that offer a wide range of personal and commercial insurance solutions.

MSIG Insurance (Singapore) Pte. Ltd. is a wholly owned subsidiary of MSI and a member of the MS&AD Insurance Group.

Finder does not provide the products and services listed on its website (including insurance policies) to users. We do not assume any risk or undertake any liability under any insurance policies that we may provide information on.

There is no insurance agency relationship created between Finder and the user. We do not negotiate, service or effect insurance contracts on your behalf or on behalf of the insurer or insurance broker. We do not act as your agent.

Frequently asked questions

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