MSIG Travel Easy Plus

Insurable Age

• Single Trip Policy
  • Insurable age: 6 months - 80 years at the policy inception date.
• Annual Trip Policy
  • Insurable age: 15-65 years at the policy inception date. Each trip is covered for a maximum travel duration of 120 days or 180 days.

Premium Payment

• Single payment per trip
• Annual payment per trip

Terms and Conditions

1. The insured must be a resident of Thailand and commence travel from Thailand only.
2. The insurance policy may be purchased up to 6 months prior to the departure date.
3. The insurance policy must be purchased at least 2 hours before departure. Purchase after departure from Thailand is not allowed.
4. The insured must travel from Thailand and return to Thailand only.
5. A maximum of 10 insured persons are allowed per trip.
6. Each insured person may hold only one insurance policy at a time.
7. The insured is advised to review the list of Excluded Countries before travelling.
8. The insured must be in good health and free from disability.
9. Coverage does not apply if the trip involves participating in, training for, or competing in any professional sport.
10. Coverage does not apply if the purpose of travel involves working in high-risk environments or occupations, such as those involving heavy machineries, drilling sites, oil or natural gas rigs, underground mining or fisheries.

Important Exceptions

• The policy does not provide coverage in the following cases:
  1. Suicide, attempted suicide, or any self-inflicted injury by the insured.
  2. Any pre-existing medical conditions.
  3. While the insured is under the influence of alcohol, drugs or addictive substances.
  4. War, invasion, acts of foreign enemies, hostilities or warlike operations, civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power, any act of terrorism.
  5. While the insured is performing duty as a pilot, crew member, a member of armed forces or police or as a volunteer and engaged in war or crime suppression.
  6. While the insured is participating in or practicing for or competing in professional sports.
  7. While the insured is engaging in any of the following activities: motor racing, car racing, boat racing, horse racing, skiing (including jet-ski), skating, boxing and parachute jumping (except parachute jumping to save life), while boarding or alighting or travelling in a hot-air balloon, bungee jumping, diving activities requiring the use of oxygen tanks and underwater breathing apparatus (except diving with an oxygen tank and underwater apparatus to save life), engaging or competing in paramotors, paragliders, gliders including any sports similar to paramotor, paraglider, glider, extreme sports of dangerous and risky nature.
  8. While the insured is working in a high-risk environment such as high-rise building, oil or gas rigs, underground mines or engaging in labour-intensive tasks such as fishery, construction, fruit picking or operating heavy machineries.

  This Insurance Policy does not cover person(s) travelling to or within the following countries:

  • Afghanistan, Azerbaijan, Cuba, Iraq, Israel, Kyrgyzstan, Lebanon, Libya, Nicaragua, North Korea, Pakistan, Palestine, Syria, Tajikistan, Turkmenistan, Uzbekistan, Iran, Nepal (excluding Climbing & Trekking purpose only), Russia, Ukraine

Additional Clarifications

• Accident & Medical Expenses
  • Automatic extension of period of insurance causes by stipulated incident: The automatic extension of the period of insurance due to Unforeseen Circumstances which are outside the control of the insured except the Insuring Agreement of Flight Delay, Missed Connecting Flight, Hospital Confinement Benefit due to Sickness or Accident, Hospital Visitation, and Baggage Delay.
• Trip & Flight Inconvenience
  • Trip cancellation or postponement: In the event the trip of the insured is cancelled or postponed and causes the Insured not to be able to travel as scheduled due to:
    1. Death or serious injury or sickness of the insured
    2. Death or serious injury or sickness of the insured’s family members
    3. Damage to the residence of the insured caused by fire, lightning, explosion caused by cooking gas, including natural perils.
  • Flight delay: In the event that the departure of the aircraft arranged for the insured’s travel is delayed from the scheduled time stated on the air ticket due to:
    1. Bad weather conditions
    2. Mechanical problems of the aircraft
    3. Strike or protest by employees of commercial airline or airport preventing the departure. Payable for only one of the following events:

       3.1 The airline does not cancel the flight or has arranged a different flight as a substitute, payable for every six (6) hours.

       3.2 The airline cancels the flight and has not arranged a different flight as a substitute after a delay over of six (6) hours, payable per event.

• Property Protection
  • Loss of or damage to baggage and/or personal belongings contained in the baggage and/or golf equipment: In the event the insured’s baggage and/or personal effects and/or golf equipment are lost or damaged due to one of the following occurrences while travelling:
    1. Errors committed by hotel or carrier staff while the Insured has deposited the baggage or other personal effects contained in the baggage and/or golf equipment which the hotel staff or carrier staff have accepted to safe keep such items under their care.
    2. Theft with evidence of forcible entry into the hotel room where the Insured is registered as guest.
    3. Robbery or gang robbery of baggage and/or personal effects and/or golf equipment.
    4. Smashing of car glass windows to steal baggage and/or personal effects and/or golf equipment kept inside the damaged car.
    5. Snatching away of property, or the cutting open of baggage to steal property. Payable not exceeding THB 5,000 per item or pair with Deductible: THB 1,000 per occurrence
  • Damage or loss of money: Deductible THB 1,000 per occurrence
  • Loss of or damage to contents in residence: If the property within the insured’s residence has suffered loss or damage from the following reasons during the insured's stay abroad:
    1. Fire
    2. Lightning (including damage to electrical appliances and electrical equipment caused by lightning short circuits)
    3. Explosion
    4. Burglary by any person not specified in the exception, who has entered or left the insured's residence, by the use of force and causing a groove around the apparent damage to the building from the use of tools, explosives, electricity, chemicals, or from robbery or gang robbery, as well as loss or damage resulting from such attempts.
  • Damage or loss of notebook computer: Deductible THB 2,000 per occurrence