TravelEasy Pre-Ex®

Travel<i>Easy</i> Pre-Ex<sup>®</sup>

Product Description

Explore the world with greater peace of mind! TravelEasy Pre-Ex is suitable for travellers with stable and controlled pre-existing medical conditions. Our travel insurance covers you for the high costs of overseas hospitalisation and evacuation if you become critically ill during your trip due to your pre-existing medical conditions.

Key features

  • All Pre-Existing Medical Conditions
    We cover for all types of pre-existing medical conditions from asthma to cancer or heart conditions as long as your illness is stable and under control. Answer a few simple health questions from us to find out if you qualify!
  • Overseas Hospitalisation Expenses
    In the event of hospitalisation overseas due to acute onset of your pre-existing medical condition, we cover medical, surgical, nursing or hospital charges up to $150,000* with no excess or co-payment required.
  • Emergency Medical Evacuation and Repatriation
    TravelEasy Pre-Ex provides one of the highest limits of up to $200,000* for medical evacuation and repatriation expenses incurred due to pre-existing medical conditions. 

Plan highlights

Comprehensive Cover
With over 50 benefits, TravelEasy Pre-Ex also covers you for claims not relating to your pre-existing medical conditions such as injury or illness sustained during the trip.

No Upper Age Limit
Whether you are 70 or 80, age is no barrier when you can get travel insurance cover with our TravelEasy Pre-Ex!

*Cover and limits based on Premier Plan.

simple to buy
Simple to Buy

Getting travel insurance has never been easier! Buy online and receive your e-policy instantly.

24/7 Helpline
24/7 Helpline

Our emergency hotline ensures there is always someone to connect you to medical care and evacuation, no matter which time zone you are in.

Claims Made Easy
Claims Made Easy

Save time by submitting your travel insurance claim online! We keep our process as simple as possible to bring your claim to a fair settlement.

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Plan details

Benefits
Personal Accident Cover
Coverage Standard Plan Elite Plan Premier Plan
Individual Cover Individual Cover Individual Cover

SECTION 1

Accidental death and permanent total disability

     

Adult below 70 years old

$150,000 $200,000 $500,000
Adult 70 years old and above  $50,000 $75,000 $100,000
Child $50,000 $75,000 $100,000

SECTION 2

Public transport double cover

Death arising from public transportation* accident

     

Adult below 70 years old

Not Covered $400,000 $1,000,000
Adult 70 years old and above Not covered Not Covered
Child $150,000 $200,000

SECTION 3

Funeral expenses due to accidental death

Covers funeral expenses for death due to accident overseas

     

Adult

$3,000 $5,000 $8,000
Child $750 $1,250 $2,000

SECTION 4

Child Education Grant

     

Lump sum payment for each child upon accidental death of a covered parent

Not Covered $5,000 each child
Up to $20,000
$8,000 each child
Up to $32,000

SECTION 5

Family assistance benefit

     

Lump sum payment upon accidental death of a covered parent

Not Covered $3,000 $5,000
Coverage Standard Plan Elite Plan Premier Plan
Individual Cover Individual Cover Individual Cover

SECTION 6

Overseas medical expenses

     

Adult below 70 years old

$250,000 $500,000 $1,000,000
Adult 70 years old and above  $50,000 $75,000 $100,000
Child $150,000 $200,000 $300,000

SECTION 7

Emergency dental expenses

     

Adult

$5,000 $10,000 $15,000
Child $1,250 $2,500 $3,750

SECTION 8

Medical expenses in Singapore

Treatment within 72 hours after return to Singapore

     

Adult below 70 years old

$25,000 $50,000 $75,000
Adult 70 years old and above $5,000 $7,500 $10,000
Child $10,000 $20,000  $30,000

SECTION 9

Mobility aid reimbursement

     

Adult

$1,000 $3,000 $5,000
Child $250 $750 $1,250

SECTION 10

Traditional Chinese medicine expenses 

Treatment by TCM practitioner

     

Adult

$200 $400 $600
Child $100 $250 $300

SECTION 11

Maternity medical expenses overseas

     

Covers for incidental expenses incurred overseas for pregnancy-related illness

Not Covered $2,000 $3,000

SECTION 12

Overseas hospitalisation daily benefit

Each day of hospitalisation abroad

     

Adult

$200 per day 
Max $20,000
$250 per day
Max $37,500
$300 per day
Max $60,000
Child $100 per day 
Max $5,000
$125 per day
Max $12,500
$150 per day 
Max $15,000

SECTION 13

Overseas ICU hospitalisation daily benefit

Each day of hospitalisation abroad in intensive care unit (ICU)

     

Adult

Not Covered $350 per day 
Max $3,500
$400 per day
Max $4,000
Child $150 per day
Max $1,500

$200 per day 
Max $2,000

SECTION 14

Hospitalisation daily benefit in Singapore 

Each day of hospital confinement in Singapore

     

Adult

$100 per day 
Max $500

$100 per day 
Max $1,000
$100 per day
Max $2,000
Child $50 per day
Max $150
$50 per day
Max $250
$50 per day 
Max $500

SECTION 15

Medical & travel assistance services 

Available

SECTION 16

Emergency medical evacuation and repatriation

     
  1. Emergency medical evacuation
  2. Sending you home after a medical emergency evacuation
  3. Sending home your mortal remains
$1,000,000  $1,000,000  $1,000,000 

SECTION 17

Compassionate and hospital visit

     

Immediate family member to travel to and accompany an insured person during his/ her hospitalisation or death of an insured person outside of Singapore

$5,000  $10,000  $15,000 

SECTION 18

Child guard

     

A relative to travel and accompany minor children back to Singapore 

$5,000  $10,000  $15,000 

SECTION 19

Emergency telephone charges

     

Reimburses emergency telephone charges incurred overseas

$100  $200  $300
Travel Inconvenience Cover
Coverage Standard Plan Elite Plan Premier Plan
Individual Cover Individual Cover Individual Cover

SECTION 20

Insolvency of licensed travel operator

     

Pays for pre-paid travel fare and deposits in the event of bankruptcy or insolvency of a STB (Singapore Tourism Board) registered travel agency in Singapore

$2,000  $4,000  $6,000 

SECTION 21

Travel cancellation

     
  1. Death, injury or illness of insured person, family member or travel companion: or
  2. Riot, strike, industrial action, natural disasters at the overseas destination, closure of airport, epidemic or pandemic before the start of the journey
$5,000  $10,000  $15,000 

SECTION 22

Travel postponement

     
  1. Death, injury or illness of insured person, family member or travel companion: or
  2. Riot, strike, industrial action, natural disasters at the overseas destination, closure of airport, epidemic or pandemic before the start of the journey
$750  $1,500  $2,000 

SECTION 23

Replacement of traveller

     

Pays charges for change of traveller due to you not being able to travel for the trip

$500  $750  $1,000 

SECTION 24

Replacement of employee

     

Travelling expenses for substitute employee to complete the official business

$5,000  $10,000  $15,000 

SECTION 25

Delayed departure

     

Pays benefit for every 6 hours of delay or expenses for alternative travel arrangement

$100
Max $500
$100
Max $1,000
$100
Max $1,500

SECTION 26

Flight diversion

     

For every 6 hours delay due to natural disasters, poor weather conditions, emergency medical treatment for a fellow passenger or mechanical breakdown of the aircraft

$100
Max $500
$100
Max $1,000
$100
Max $1,500

SECTION 27

Overbooked flight

     

Overbooked flight with no onward travel transportation available for more than 6 hours after travel agent or airline flight confirmation

$100
Max $200
$150
Max $300
$200
Max $400

SECTION 28

Missed travel connection

     

Missed travel connection with no onward travel connection available for more than 6 hours after an insured person's late arrival

$100
Max $200
$150
Max $300
$200
Max $400

SECTION 29

 Shortening the trip

     
  1. Death, injury or illness of insured person, family member or travel companion; or
  2. Riot, strike, industrial action, natural disasters at the overseas destination, closure of airport, epidemic or pandemic during the journey
$5,000  $10,000  $15,000 

SECTION 30

Travel disruption

     
  1. Death, injury or illness of insured person, family member or travel companion; or
  2. Riot, strike, industrial action, natural disasters at the overseas destination, closure of airport, epidemic or pandemic during the journey
$1,000  $2,000  $3,000 

SECTION 31

Automatic extension of cover

     

Public transport delay or bodily injury or illness

Yes Yes Yes

SECTION 32

Delayed baggage

     

A lump sum payment for every 6 hours of baggage delay

$150
Max $600
$200
Max $1,000
$250
Max $1,500

SECTION 33

Baggage

     

Personal baggage and personal effects 
Limit: $500 per article, pair or set of items and $1,000 for one unit laptop computer

$3,000 $5,000  $7,500 

SECTION 34

Wedding clothing and accessories

     

Bridal and ceremonial attire, wedding rings, jewellery and wedding accessories

Not Covered $2,500  $3,500

SECTION 35

Loss of travel documents

     

Cost of replacing lost travel documents, business records or samples

$2,000  $3,000  $5,000 

SECTION 36

Personal Money

     

Loss of cash and travellers cheques due to robbery, burglary or theft outside Singapore

$100  $300  $500 

SECTION 37

Fraudulent use of credit card

     

Financial loss following fraudulent use of credit cards lost during the overseas travel

Not Covered $2,000  $3,000 

SECTION 38

Credit card outstanding balance

     

Covers the outstanding balance of the insured person's credit card incurred up to the date of the accident

Not Covered $2,000  $3,000 
Personal Liability
Coverage Standard Plan Elite Plan Premier Plan
Individual Cover Individual Cover Individual Cover

SECTION 39

Personal liability

Legal liability for overseas accidents resulting in bodily injuries or damage to property of third parties

     

Adult

$500,000 $1,000,000 $1,000,000
Child $250,000 $500,000 $500,000

SECTION 40

Legal expenses for wrongful arrest or detention

Legal costs incurred for wrongful arrest or detention by any government or local authority overseas

     

Adult

Not Covered $5,000 $10,000
Child $5,000 $10,000
Lifestyle Cover
Coverage Standard Plan Elite Plan Premier Plan
Individual Cover Individual Cover Individual Cover

SECTION 41

Adventurous activities cover

     

Bungee jumping, sky diving, paragliding, hot-air ballooning, jet skiing, white-water rafting, diving, ice skating, tobagganing, sledging and other activities listed in the policy

Not Covered Yes Yes

SECTION 42

Golfer's cover

     

Damage or loss of golf equipment (except while in use)

Not Covered $1,000 $1,500
Unused green fee due to injury or illness $500 $750
Hole-in-one $500 $750

SECTION 43

Unused entertainment ticket

     

Covers cost of pre-paid unused entertainment ticket to theme parks, performances, concerts and sports events due to death, injury or illness

Not Covered $300  $500 

SECTION 44

Rental vehicle excess

     

Reimburses the excess or deductible for accidental loss of or damage to a rental vehicle under the car rental agreement

Not Covered $1,000  $1,500 

SECTION 45

Returning a rental vehicle

     

Cost of returning rental vehicle due to accidental injury or illness of an insured person

Not Covered $500  $750 

SECTION 46

Home contents

     

Loss of or damage to contents in the home of an insured person in Singapore due to fire or burglary

Not Covered $10,000  $15,000 

SECTION 47

Domestic pets care

     

Continued stay of pet at the pet hotel due to injury or illness of the insured person overseas

Not Covered $50 per day
Max $500
$75 per day
Max $750
Additional Benefits
Coverage Standard Plan Elite Plan Premier Plan
Individual Cover Individual Cover Individual Cover

SECTION 48

Terrorism Cover 

Acts of terrorism (excluding biological, chemical and nuclear devices) outside Singapore

     

Adult below 70 years old

$200,000 $300,000 $500,000
Adult 70 years old and above $200,000 $300,000 $500,000
Child $200,000 $300,000 $500,000

SECTION 49

Passive War

Applies to Section 1 only – Accidental death and permanent total disability

     

Adult below 70 years old

$150,000 $200,000 $500,000
Adult 70 years old and above $50,000 $75,000 $100,000
Child $50,000 $75,000 $100,000

SECTION 50

Hijack of public transport

     

Hijack of every 6 hours of the public transport the insured person is travelling on

$100
Max $2,000
$200
Max $4,000
$300
Max $6,000

SECTION 51

Kidnap or hostage

     

Kidnap or holding hostage of an insured person for every 6 hours

$100
Max $2,000
$200
Max $4,000
$300
Max $6,000

SECTION 52

Pre-Ex Critical Care

     

Total medical limits for Sections 6 and 16 extended under Pre-Ex Critical Care to cover pre-existing medical conditions.

Up to $175,000 Up to $250,000 Up to $350,000

Section 6 – Overseas Medical Expenses (sub-limit)

Covers inpatient hospital charges only. 

     

Adult below 70 years old

$75,000 $100,000 $150,000
Adult 70 years old and above $50,000 $75,000 $100,000
Child $50,000 $75,000 $100,000

Section 16 – Emergency Medical Evacuation and Repatriation

     

Adult below 70 years old

$100,000 $150,000 $200,000
Adult 70 years old and above
Child
Important Notes:

*Public transportation excludes taxis, private hire vehicles such as buses or coaches that are chartered or arranged as part of a tour even if services are regularly scheduled.

Notes: 

  1. Adult (Individual) means a person aged 18 years and above at the commencement of any trip.
  2. Child means a person who is aged above one month and below 18 years or below 23 years of age if studying full time in a recognised institution of higher learning at the start of any trip.
  3. Cover must be effected before departure from Singapore. All trips must start and end in Singapore. The maximum length of cover is 30 days for single trip plans.
  4. Travel must commence no later than 182 days from the date of application for single trip plans.
  5. All insured persons must be residing in Singapore.
  6. At the time of arranging the trip or taking up the insurance, neither you nor any other insured person is aware of any circumstances which are likely to lead to a claim under the policy.
  7. Child under the age of 12 years must be accompanied by a parent or adult guardian during the trip.
  8. For TravelEasy Pre-Ex, the insured persons must not be travelling against the advice of any doctor or for the purpose of getting medical treatment.
  9. The insured person must meet all the following conditions to be eligible for TravelEasy Pre-Ex cover:
    1. The insured person is following his treating doctor's advice for all his pre-existing medical conditions. This includes not refusing or delaying any monitoring, medical appointment, medical test, medication, treatment or surgery.
    2. The insured person does not have any medical condition or symptom which he has not consulted a doctor for or for which he is waiting for medical test, medical result, diagnosis, treatment or surgery.
    3. In the last 12 months, the insured person has not had any pre-existing medical condition which has required them to:
      • Receive treatment at a hospital's Accident and Emergency Department more than once;
      • Stay in a hospital as an inpatient for more than three days in a row; and
      • Stay in a hospital as an inpatient for more than once.
  10. Sections 1 to 51 cover you for claims not relating to your pre-existing medical conditions, such as injury or illness sustained during the trip.
  11. Terminal illness where death is expected to happen within 12 months on doctor's advice is not covered.
Premiums
Premiums Standard Elite Premier
Individual Individual Individual

Area A

Brunei, Cambodia, Indonesia, Laos, East and West Malaysia, Myanmar, Philippines, Thailand and Vietnam

First 3 days $38 $50 $68
Daily Rate $6.50 $8 $10.50

Area B

Australia, China (Excluding Inner Mongolia and Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan and countries in Area A

First 3 days $45 $57 $88
Daily Rate $8 $10 $12

Area C

Worldwide including countries in Areas A and B

First 3 days $60 $85 $110
Daily Rate $11 $12.50 $16.50
FAQs
No. Questions & Answers
1

What are pre-existing medical condition?

Pre-existing medical conditions refer to medical or physical conditions which have needed consultation or treatment including any recurring, chronic or continuing illness or condition before the start of the journey. Some examples are asthma, high blood pressure, diabetes, heart conditions, stroke, cancer and lupus.

2

Who is eligible to apply?

Any person aged 18 years and above with pre-existing medical conditions that are stable and controlled can apply. The applicant has to meet a set of medical related conditions to qualify for cover:

(a) Following your treating doctor's advice on medication, medical tests, treatment or surgery.

(b) No medical condition or symptom for which you have not consulted a doctor or pending medical test, diagnosis, treatment or surgery.

(c) Not required to receive treatment at a hospital's Accident and Emergency Department more than once in the last 12 months.

(d) Not required to stay in a hospital as inpatient more than once, or for duration which is not more than three days in a row in the last 12 months.

For persons below 18 years of age, cover can be applied for by their parents or legal guardian.

3

If I am eligible for cover, will all of my pre-existing medical conditions be insured? 

Your pre-existing conditions are covered so long as you meet the conditions mentioned in (2) above, subject to the terms and conditions of the policy. However, terminal illness, HIV, sexually transmitted diseases, pregnancy and its related conditions and mental illness are not covered.

4

Must I provide information of all my pre-existing medical conditions or produce a doctor's report to buy the insurance?

You do not need to furnish such information. You are eligible to apply so long as you meet the conditions in 2 (a) to (d) above.

5

What happens if my medical condition changes after I buy the insurance?

If any of your pre-existing conditions worsen within the 30 days before the start of the trip and your doctor has advised you to see a specialist, undergo investigative test, surgery, change in treatment or medication, you will not be covered. Please notify us with supporting documents from your doctor to cancel the policy and we will refund your premium in full.

6

What are the coverage differences between TravelEasy Pre-Ex and the regular TravelEasy plans?

A person insured under the TravelEasy Pre-Ex policy is covered for all the benefits of the regular TravelEasy insurance including pre-existing medical conditions under the "Pre-Ex Critical Care" benefit. Claims not relating to pre-existing medical conditions are covered under Section 1 to 51 of TravelEasy Pre-Ex benefits such as – loss of luggage, travel delays, insolvency of travel operators. TravelEasy Pre-Ex policy only covers for trips which are up to 30 days duration, extensions are not permitted. 

7

What is not covered by TravelEasy Pre-Ex insurance?

There is no cover in the following scenarios: 

  • Receiving or waiting for medical tests or treatment for any medical condition or set of symptoms that have not been diagnosed
  • Travelling against the advice of a medical practitioner or travelling to get medical treatment abroad
  • Terminal medical condition
  • Pre-existing medical conditions that worsen within 30 days before the start of the trip for which a doctor has advised to seek medical consultation or undergo investigative test, surgery, or change in treatment, prescribed medication or dosage.
  • Overseas outpatient medical treatment
  • Medical expenses incurred in Singapore

Please refer to the policy for full terms, conditions and exclusions. 

8

What does an acute onset of your pre-existing medical condition mean?

Acute onset of a pre-existing medical condition refers to a sudden recurrence and worsening of your sickness, where emergency medical treatment is needed to avoid death or serious impairment to your immediate or long-term health. MSIG Assist Doctor will liaise with the hospital to understand your situation and decide if it requires emergency treatment on-site or evacuation. 

Important Notice & Disclaimers

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us here or visit GIA or SDIC.

Compare
  TravelEasy TravelEasy Pre-Ex
Plan types Standard Elite Premier Standard Elite Premier

Eligibility

All persons residing in Singapore aged 1 month and above, including Foreigners holding an employment pass or work permit and living in Singapore.

Cover excludes pre-existing conditions.

All persons residing in Singapore aged 1 month and above, including Foreigners holding an employment pass or work permit and living in Singapore.

Cover includes pre-existing medical conditions that are stable and controlled.

Applicant to meet a set of medical related conditions for cover

No Yes

Trip Types

Single Trip

182 days 30 days

Annual

90 days/trip Not available

Cover Types

Individual

Yes

Yes

Group

Yes No

Family

Yes No

Age

No upper age limit No upper age limit

Benefit Coverage Overview

Sections 1 to 51*

Covered, except due to pre-existing medical conditions Covered, except due to pre-existing medical conditions

Section 52 Pre-Ex Critical Care

Not Applicable Covered

Overseas Medical Expenses
(Individual Adult below Age 70)

$250,000 $500,000 $1,000,000 $250,000 $500,000 $1,000,000

Pre-Ex Critical Care - Sub-limit of Sections 6 and 16
(Individual Adult below Age 70)

Overseas Medical Expenses

Not covered

$75,000

$100,000

$150,000

Emergency Evacuation and Repatriation

$100,000 $150,000 $200,000

Personal Accident

(Individual Adult below Age 70)

$150,000 $200,000 $500,000 $150,000 $200,000 $500,000

Medical Expenses in Singapore - Treatment within 72 hours of return to Singapore

Pre-existing condition

Not covered

Not covered

Non pre-existing medical conditions

Covered Covered

Premiums

TravelEasy table rates TravelEasy Pre-Ex table rates

*The cover limits for Sections 1 to 51 for both products are the same.

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