TravelEasy Pre-Ex®
MSIG's TravelEasy Pre-Ex offers travel insurance with pre-existing conditions coverage for a wide range of medical needs, from asthma to heart conditions. Designed for travellers requiring added support, this plan provides essential coverage for medical expenses, emergency medical evacuation, and trip cancellations due to pre-existing health issues.
With no upper age limit, TravelEasy Pre-Ex suits travellers of all ages, ensuring everyone can enjoy a safer, more confident journey. This specialized travel insurance from MSIG is tailored for travellers with stable and controlled pre-existing medical conditions so you can focus on your travels without worry.
Features & benefits
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.
Overseas Hospitalisation Expenses
We cover overseas medical, surgical, nursing or hospital charges up to $150,000* with no excess or co-payment required.
Emergency Medical Evacuation and Repatriation
One of the highest limits of up to $200,000* for medical evacuation and repatriation expenses incurred due to pre-existing medical conditions.
Comprehensive Cover
With over 50 benefits, we cover you for claims not related 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!
Why choose MSIG?
Simple to Buy
Getting travel insurance has never been easier! Buy online and receive your e-policy instantly.
24/7 Hotline
Our travel emergency hotline and live chat ensure there is always someone to connect you to medical care and evacuation, no matter which time zone you are in.
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.
Select plans to compare
| BENEFITS SUMMARY | Sum Insured | ||
|---|---|---|---|
| Standard Plan | Elite Plan | Premier Plan | |
| Individual Cover | Individual Cover | Individual Cover | |
SECTION 1Accidental 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 2Public transport double coverDeath 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 3Funeral expenses due to accidental deathCovers funeral expenses for death due to accident overseas |
|||
|
Adult |
$3,000 | $5,000 | $8,000 |
|
Child |
$750 | $1,250 | $2,000 |
SECTION 4Child 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 5Family assistance benefit |
|||
|
Lump sum payment upon accidental death of a covered parent |
Not Covered | $3,000 | $5,000 |
Select plans to compare
| BENEFITS SUMMARY | Sum Insured | ||
|---|---|---|---|
| Standard Plan | Elite Plan | Premier Plan | |
| Individual Cover | Individual Cover | Individual Cover | |
SECTION 20Insolvency 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 21Travel cancellation |
|||
|
$5,000 | $10,000 | $15,000 |
SECTION 22Travel postponement |
|||
|
$750 | $1,500 | $2,000 |
SECTION 23Replacement of traveller |
|||
|
Pays charges for change of traveller due to you not being able to travel for the trip |
$500 | $750 | $1,000 |
SECTION 24Replacement of employee |
|||
|
Travelling expenses for substitute employee to complete the official business |
$5,000 | $10,000 | $15,000 |
SECTION 25Delayed 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 26Flight 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 27Overbooked 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 28Missed 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 29Shortening the trip |
|||
|
$5,000 | $10,000 | $15,000 |
SECTION 30Travel disruption |
|||
|
$1,000 | $2,000 | $3,000 |
SECTION 31Automatic extension of cover |
|||
|
Public transport delay or bodily injury or illness |
Yes | Yes | Yes |
SECTION 32Delayed baggage |
|||
|
A lump sum payment for every 6 hours of baggage delay |
$150 Max $600 |
$200 Max $1,000 |
$250 Max $1,500 |
SECTION 33Baggage |
|||
|
Personal baggage and personal effects |
$3,000 | $5,000 | $7,500 |
SECTION 34Wedding clothing and accessories |
|||
|
Bridal and ceremonial attire, wedding rings, jewellery and wedding accessories |
Not Covered | $2,500 | $3,500 |
SECTION 35Loss of travel documents |
|||
|
Cost of replacing lost travel documents, business records or samples |
$2,000 | $3,000 | $5,000 |
SECTION 36Personal Money |
|||
|
Loss of cash and travellers cheques due to robbery, burglary or theft outside Singapore |
$100 | $300 | $500 |
SECTION 37Fraudulent use of credit card |
|||
|
Financial loss following fraudulent use of credit cards lost during the overseas travel |
Not Covered | $2,000 | $3,000 |
SECTION 38Credit 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 |
Select plans to compare
| BENEFITS SUMMARY | Sum Insured | ||
|---|---|---|---|
| Standard Plan | Elite Plan | Premier Plan | |
| Individual Cover | Individual Cover | Individual Cover | |
SECTION 39Personal liabilityLegal 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 40Legal expenses for wrongful arrest or detentionLegal 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 | |
Select plans to compare
| BENEFITS SUMMARY | Sum Insured | ||
|---|---|---|---|
| Standard Plan | Elite Plan | Premier Plan | |
| Individual Cover | Individual Cover | Individual Cover | |
SECTION 41Adventurous activities cover |
|||
|
Bungee jumping, tandem sky diving, tandem paragliding, hot-air ballooning, jet skiing, white-water rafting, diving, ice skating, tobogganing, sledging and other activities listed in the policy |
Not Covered | Yes | Yes |
SECTION 42Golfer'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 43Unused entertainment ticket |
|||
|
Covers cost of pre-paid unused entertainment ticket to theme parks, performances, concerts and sports events due to death, serious injury or serious illness |
Not Covered | $300 | $500 |
SECTION 44Rental 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 45Returning a rental vehicle |
|||
|
Cost of returning rental vehicle due to accidental injury or illness of an insured person |
Not Covered | $500 | $750 |
SECTION 46Home 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 47Domestic 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 |
Select plans to compare
| BENEFITS SUMMARY | Sum Insured | ||
|---|---|---|---|
| Standard Plan | Elite Plan | Premier Plan | |
| Individual Cover | Individual Cover | Individual Cover | |
SECTION 48Terrorism CoverActs 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 49Passive WarApplies 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 50Hijack 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 51Kidnap 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 52Pre-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 6Overseas 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 16Emergency 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:
- Adult (Individual) means a person aged 18 years and above at the commencement of any trip.
- 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.
- 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.
- Travel must commence no later than 182 days from the date of application for single trip plans.
- All insured persons must be residing in Singapore.
- 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.
- Child under the age of 12 years must be accompanied by a parent or adult guardian during the trip.
- 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.
- The insured person must meet all the following conditions to be eligible for TravelEasy Pre-Ex cover:
- 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.
- 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.
- 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.
- 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.
- Terminal illness where death is expected to happen within 12 months on doctor's advice is not covered.
Plans
Single Return Trip
Provides cover for an individual for a trip up to maximum duration of 30 days.
All travellers on the same trip must have the same departing and returning date.
A child under the age of 12 years must be accompanied by a parent or adult guardian during the trip.
Areas
Area A
Brunei, Cambodia, Indonesia, Laos, East & West Malaysia, Myanmar, Philippines, Thailand and Vietnam.
Area B
Australia, China (except Inner Mongolia and Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan and including countries in Area A.
Area C
Worldwide including countries in Areas A and B.
Types of cover
Individual
- Covers one traveller for the trip.
- Available for Single Return Trip only.
Definitions
- Adult means a person aged 18 years and above at the commencement of any trip.
- 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 commencement of any trip.
| No. | Questions & Answers | |
|---|---|---|
| 1 |
What are pre-existing medical conditions? 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 an inpatient more than once, or for the 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 policy's terms and conditions. However, terminal illness, HIV, sexually transmitted diseases, pregnancy, and related conditions and mental illness are not covered. |
|
| 4 |
Must I provide information on 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 an 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 regular TravelEasy insurance benefits, 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, and travel operators' insolvency. TravelEasy Pre-Ex policy only covers trips up to 30 days, and extensions are not permitted. |
|
| 7 |
What is not covered by TravelEasy Pre-Ex insurance? There is no cover in the following scenarios:
Please refer to the policy for full terms, conditions and exclusions. |
|
| 8 |
Can foreigners purchase TravelEasy Pre-Ex insurance? Foreigners holding an employment pass or work permit and living in Singapore can apply so long as it is for a round trip commencing and returning to Singapore within the period of insurance. |
|
| 9 |
Is there any country excluded from cover? All countries are covered unless expressly excluded. |
|
| 10 |
If I decide not to proceed with my trip, can I recover the premium paid for my TravelEasy Pre-Ex policy? You will be entitled to a refund of the premium provided there is no claim under the policy and travel has not commenced. The refund premium allowed shall be the balance after taking into account the minimum retained premium of $50. If your policy premium is $50 and below, there is no refund. |
|
| 11 |
If I did not seek medical treatment for an injury or illness during my overseas travel, can l recover medical expenses incurred in Singapore after returning to Singapore? Yes, provided it is not a pre-existing condition, and the injury or illness occurred during the overseas travel. Medical treatment must be sought within 72 hours after your return to Singapore and incurred within 30 days from the date you return to Singapore. |
|
| 12 |
What do you mean by public transport under public transport double cover? Public transport means any licensed and scheduled land, sea or air transport with fixed and established routes and which any member of the public can join at a recognised stop and pay a fare. This excludes taxis, private hire vehicles such as buses or coaches chartered or arranged as part of a tour even if the services are regularly scheduled. |
|
| 13 |
Does TravelEasy Pre-Ex cover if the travel agency goes bankrupt? We will cover all irrecoverable costs up to the plan limit if your STB licensed (NATAS registered travel agency) becomes insolvent. Provided that the insurance is bought at least 3 days before the departure date and the insolvency is not already known to the public when you make the trip booking and the insurance purchase, whichever date occurs later. |
|
| 14 |
Does TravelEasy Pre-Ex provide cover for cruise travels? Yes, TravelEasy Pre-Ex covers your cruise trip departing from Singapore or an overseas country, as long as your entire trip begins and ends in Singapore. Please select the region of travel based on the furthest destination of your entire trip. For cruise to nowhere departing from Singapore, i.e. the cruise is not making any stopover at any port/country, you may purchase the trip under Area A. |
|
| 15 |
Does TravelEasy Pre-Ex policy cover COVID-19? No, TravelEasy Pre-Ex does not cover claims relating to COVID-19. |
|
There are good reasons to get your travel insurance once you have booked your trip as this can protect your pocket if your trip is disrupted due to unexpected events such as strikes, riots and natural disasters that happen at your planned destination.
TravelEasy covers for insured events listed under each benefit section of the policy (for example, Travel cancellation and Travel postponement).
These insured events can affect your cover depending on when you have purchased the policy.
Policies purchased after the insured event has happened
Based on policy terms and conditions, the insured event will not be covered as it has already happened or has been made known by the media or authorities. These are considered as known events in our policy wordings.
Should you decide to proceed with the trip, it is important to remember that you are still covered for all other unexpected insured events that happen on your trip such as baggage delay caused by the airline or loss of personal items due to theft.
Policies purchased before the insured event happened and you have not yet departed
The policy covers for trip cancellation or postponement if your trip is unavoidably cancelled or postponed due to an insured event that happens within 30 days before your trip.
If you are unsure whether the overseas event affects your trip, please contact your providers (airline, transport, tour, accommodation) to check if your bookings are affected by the event.
If your trip is unavoidably cancelled or postponed, please submit your claim to us and we will assess it based on policy terms and conditions.
Insured events refer to events that are covered by the policy, subject to the policy terms and conditions. The list of insured events is shown under each relevant section of the policy.
Earthquake
In the case of earthquakes, they are normally accompanied by aftershocks which may last for weeks after the initial earthquake. If you have purchased your policy after the initial earthquake, you will not be covered for claims relating to the earthquake and their aftershocks as they would be considered as known event which are excluded from cover.
For information on claims procedure, click here.
If you would like to clarify on your coverage, you can chat with Mae or contact us.
This page is for general information only. Full details of the terms, conditions and exclusions of this insurance are provided in the policy and will be sent to you upon acceptance of your application by MSIG Insurance (Singapore) Pte Ltd.
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.
| TravelEasy Pre-Ex | TravelEasy Flex | TravelEasy | |
|---|---|---|---|
Suitable for |
Customers who want fuss free packaged travel insurance coverage including cover for pre-existing medical condition. |
Customers who want flexibility to customise their protection to suit their travel needs and budget |
Customers who want fuss free packaged travel insurance coverage |
Coverage |
Choose from 3 plans with up to 52 benefits All benefits are the same as TravelEasy except with addition of section 52. |
Choose from 3 plans and 6 optional covers |
Choose from 4 plans with up to 51 benefits |
Cancel for any reason benefit |
Not covered |
Available as optional cover |
Not covered |
Pre-existing medical condition |
Covered |
Available as optional cover |
Not covered |
COVID-19 |
Not covered |
Available as optional cover |
Covered |
Single return trip maximum duration |
30 days |
182 days |
182 days |
Annual plan |
Not available |
Available |
Available |
