All students between 16 to 55 years of age studying abroad are eligible to enrol.

Disabilities that existed before the effective date of insurance of an Insured Person and for which the Insured is receiving treatment or has shown manifestations/symptoms irrespective of whether the Insured was aware or should have reasonably been aware.

No, the cover is applicable to luggage lost due to theft or misdirection while in the care, custody or control of common carrier and while the Insured is a fare-paying passenger on that common carrier and during the period of insurance.

If the Insured Person suffers an injury while outside the Home Country, the medical expenses incurred outside the Home Country within 90 days of that injury will be payable. If the Insured suffers an injury while on visits to the Home Country, the medical expenses incurred in the Home Country will also be payable. Both incidences must fall within the Period of Insurance.

The cover will terminate if Insured:

• Returned to his/her Home Country permanently; or
• On graduation after the Insured has completed his/her final examinations up to a maximum of 3 months after the final examinations; or
• Ceases to be a full-time student for whatever reasons in the stated Educational Institutions; or
• Upon expiry of the Policy whichever is earlier.

Nomination is important to ensure that your loved ones will receive the protection as intended by you and that policy moneys may be paid out by insurers without any delay.  Where no nomination is made, the policy moneys will be paid out to your lawful executor (if you have made a Will) or your lawful administrator (if no Will has been made) – this process will take a while.

*If there is no lawful executor or administrator, then the policy moneys will be paid out to the rightful persons in accordance with applicable distribution laws.

You can nominate any individual(s) you want.  HOWEVER, not all nominees will receive the policy moneys beneficially or for their own use.  Depending on your marital status and who you nominate, nominations may produce unexpected results for the nominee(s).  Likewise, nominations by a Muslim policy owner and non-Muslim policy owner will have different consequences.

How so?

Nominations made by a non-Muslim policy owner will create either (i) a trust policy in favour of the nominee(s) or (ii) a non-trust policy.

To ensure that your nominee(s) receive the policy moneys as intended, you need to ensure that a trust policy is created in favour of your nominee(s).

Trust policy will be created:

(a)   if the nominee is your spouse or child; or

(b)  if the nominee is your parent (provided that there is no living spouse or child at the time you make the nomination).

In such as case, you are creating a non-trust policy.  Here, your nominee will only receive the policy moneys as executor and distribute the policy moneys in accordance with your Will or where there is no Will, in accordance with applicable distribution laws.  If you intend for these nominee(s) to receive the policy moneys beneficially and not as executor, you will need to assign the policy benefits to them.

In brief, if you nominate people other than your spouse, children or parents, make sure to assign the policy benefits to them to ensure that they receive the policy moneys for their own use.  Please contact MSIG if you require more information on this.

Nominee(s) irrespective of the relationship with the policy owner can only receive the policy moneys as executor and the policy moneys must be distributed in accordance with Islamic laws.