Provides you with:

• The necessary protection throughout your period of journey whether you are on a business trip or holiday.

General Claims Guidelines

 

• Notify MSIG immediately as soon as you have returned from abroad in respect of any event that may give rise to a claim.
• Complete the relevant sections of the Claim Form relating to your claim.
• Then submit the Claim Form together with the following documents:
  i) Tour Operator's Confirmation of Booking Invoice
  ii) Copies of Airline tickets
• The following documents are also needed for:
  

  	Medical Expenses/ Personal Accident (Non-fatal case)
  	Original Medical Report from attending physician showing the nature of injury/illness
  	Original Medical Bills/Receipts
  	Original Receipts for all amount claimed for additional travel and accommodation
  	Confirmation of admittance and discharge from the hospital for hospital benefit claim

  
  

  	Medical Expenses/Personal Accident (Fatal case)
  	Police Report
  	Medical Report
  	Death Certificate
  	Post Mortem Report
  	Letter of Administration

  
  

  	Cancellation
  	Cancellation Invoice from the Tour Operator
  	If on medical grounds, a complete Medical Report/Certificate
  	Documents to support the reasons for cancellation.

  
  

  	Curtailment
  	If due to accident or illness abroad, a Letter of Confirmation from the treating doctor confirming that it is necessary to return home
  	Original Receipts on all amount claimed
  	Documents to support the reasons for curtailment.

  
  

  	Travel Delay
  	A written confirmation from the airlines/shipping lines regarding the period of delay (number of hours) and the reasons for it

  
  

  	Personal Luggage/Money/Travel Documents
  	Original Receipts for all items claimed and description of the items if not shown on the receipt
  	Property Irregularity Report issued by the airline concerned if baggage is lost or damaged by an airline
  	Letter from the airline confirming the duration of and the reasons for delay for the Personal Luggage Claims
  	Police Report and Currency Exchange Slip for Money and Theft Claims

  
  

  	Missed Travel Connection
  	A written confirmation from the airlines concerned confirming the duration of delay and the reasons for it.

  
  

  	Travel Overbooked
  	A written confirmation from the airlines concerned confirming the ticket is overbooked.

  
  

  	Missed Departure
  	Documents to support the reasons for the missed departure.
  	Original receipts for additional accommodation and travel expenses incurred.

  
  

  	Additional Cost of Rental Car Return
  	A copy of the Rental Agreement
  	Receipt for payment.
  	Confirmation letter or receipt confirming the actual date returned of the rental vehicle.

  
  

Claims Guidelines for Personal Liability Claim

• Notify MSIG immediately after the third party has made a claim from you.
• Do not admit liability, negotiate or repudiate any claim with the third party without MSIG's consent.
• Provide MSIG with details of the third party wherever appropriate.
• Forward all relevant documents unanswered to MSIG as soon as you have received them from the third party for our immediate attention.