Lifestyle Protector

With Lifestyle Protector, you enjoy round-the-clock protection, at home and abroad.

Now, you no longer have to activate your travel insurance every time you leave the country. Underwritten by MSIG Insurance (Singapore) Pte. Ltd., ("MSIG Insurance") this plan is specially designed to grant round-the-clock protection. Above all, this unique two-in-one plan also doubles as a personal accident insurance for added insurance protection, assuring you peace of mind at home and abroad.

Benefits

Worldwide travel coverage

Wherever you are, Lifestyle Protector takes care of travel inconvenience, from loss of baggage to unexpected medical expenses.

Hassle-free protection

With its one-time activation, you are covered once the policy has been incepted. So whether it is planning a last-minute getaway or a vacation, you can rest easy knowing that you are protected.

Personal accident coverage wherever you go

You are protected at home or abroad. So now you can go about doing all the things you enjoy – with no worries!

No claim discount

Enjoy 20% off your next year premium if no claims are made in the policy year.

Coverage

Section One: Personal Accident Cover At Home And Abroad
Accidental Death or Total Permanent Disablement* (including those as a result of terrorism not involving the use of biological agents, chemical agents or nuclear devices)	Up to S$100,000
Overseas Double Indemnity	Up to S$200,000
Daily Hospital Benefit due to Accident	S$50 per day Up to max 365 days
Double Indemnity for Daily Hospital Benefits during overseas trip due to Accident	S$100 per day Up to max 365 days

Section Two: Overseas Travel Benefits†
Travel Delay	Up to S$500 (S$100 for each 8-hr period)
Baggage Delay	Up to S$500 (S$100 for each 8-hr period)
Overseas Medical Expenses for both Accident and Illness (Reimbursement)	Up to S$30,000 per trip
Loss of Travel Documents	S$100 per day Up to max 365 days
Loss of Personal Money	Up to S$350 per trip
Loss of or Damaged Baggage	Up to S$1,000 per trip
Worldwide Medical Evacuation and Repatriation Repatriation of Mortal Remains or Funeral Expenses	Up to S$500,000 Included in above but subject to limit of S$20,000
24-hour Assistsance Services	Available
No Claim Discount	20%

* Total and permanent disablement which prevents insured person engaging in or attending to employment or occupation of any kind. 100%
Total and permanent loss of sight in both eyes - 100%
Total and permanent loss of 2 or more limbs - 100%
Total and permanent loss of sight in one eye and one limb - 100%
Total and permanent loss of speech - 100%
Total and permanent loss of hearing in both ears - 100%
Total and permanent loss of sight in one eye - 50%
Total and permanent loss of one limb - 50%
Total and permanent loss of hearing in one ear - 25%

† The Overseas Travel Benefits, with the exception of the benefits in the Personal Accident Section shall be aggregated on a per trip basis.

What It Costs

Premiums (Inclusive of 7% GST)
Monthly)
Insured Only Insured and Spouse Insured and Children^ Insured, Spouse and Children^	S$21.40 S$33.73 S$37.09 S$44.94
Annual
Insured Only Insured and Spouse Insured and Children^ Insured, Spouse and Children^	S$229.29 S$361.05 S$397.12 S$481.40

^ No limit on the number of children and the sum assured of each child is 50% of the adult benefit.

I'm interested so what’s next?

Contact Us

Click here to apply now.

Or simply fill in your particulars in the form here, and submit it to us to find out more about Lifestyle Protector.

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# Based on 31 days in a month. Terms and Conditions apply.

The personal accident benefits are payable subject to the occurrence of an Accident. You should consider carefully if you are intending to switch personal accident policies, as this might be detrimental to your current and/or future needs.

This webpage describes the product(s) and service(s) provided by MSIG Insurance (Singapore) Pte. Ltd. ("MSIG Insurance") in alliance with Standard Chartered Bank. The contents of this webpage do not constitute a contract of insurance and reference should be made to the policy for the exact terms and conditions applicable to the insurance policy, which will be sent to you upon the acceptance of your application by MSIG Insurance. The product(s) described in this webpage are product(s) of and underwritten by MSIG Insurance and not Standard Chartered Bank. In facilitating any insurance arrangement or in referring customers to MSIG Insurance, Standard Chartered Bank is acting in alliance with MSIG Insurance and not as an agent for the customers. Standard Chartered Bank shall not be liable in any manner whatsoever regarding your application or the contract of insurance.