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TravelEasy Pre-Ex Show all

Benefits

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 expenses and evacuation if you become critically ill during your trip due to your pre-existing medical conditions.

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 your acute onset of 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
This travel insurance plan provides one of the highest limit of up to $200,000* for medical evacuation and repatriation incurred due to pre-existing medical conditions. 

Comprehensive Cover
With over 51 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 get travel insurance cover with our TravelEasy Pre-Ex!

*Cover and limits based on Premier Plan


Online  Simple to Buy

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

24  24/7 Helpline

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

Claims  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.

Plans

 Pre-Ex Standard PlanPre-Ex Elite PlanPre-Ex Premier Plan
CoverageIndividualIndividualIndividual

PERSONAL ACCIDENT COVER

SECTION 1

     

Accidental death and permanent total disability

     
  • Adult below 70 years

$150,000 $200,000 $500,000
  • Adult 70 years 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

Not covered $400,000 $1,000,000
  • Adult 70 years and above

Not covered Not covered Not covered
  • Child

Not covered $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

MEDICAL & RELATED BENEFITS COVER

SECTION 6

     

Overseas medical expenses

     
  • Adult below 70 years

$250,000 $500,000 $1,000,000
  • Adult 70 years 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

$25,000 $50,000 $75,000
  • Adult 70 years 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 related medical expenses overseas

Covers for incidental expenses incurred overseas for pregnancy related illness

     
  • Adult

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

Not covered $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 Available Available

SECTION 16

     

Emergency medical evacuation and repartriation

(A) Emergency medical evacuation

(B) Sending you home after a medical emergency evacuation

(C) 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 to 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

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 subsititute 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 condition, 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 every 6 hours of delay 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 every 6 hours of delay 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 bduring 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

Covered Covered Covered

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 loss of 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

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

Not covered $5,000 $10,000

LIFESTYLE 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 winter activities listed in the policy

Not covered Yes Yes

SECTION 42

     

Golfer’s cover

     
  • Damage/ loss of golf equipment (except while in use)

Not covered $1,000 $1,500
  • Unsured green fee due to injury/ illness

Not covered $500 $750
  • Hole-in-one

Not covered $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 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 or delay of public transport

Not covered $50 per day
Max $500
$75 per day
Max $750

ADDITIONAL BENEFITS

SECTION 48

     

Terrorism cover

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

     
  • Adult below 70 years

$200,000 $300,000 $500,000
  • Adult 70 years 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

$150,000 $200,000 $500,000
  • Adult 70 years 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

$75,000 $100,000 $150,000
  • Adult 70 years and above

$50,000 $75,000 $100,000
  • Child

$50,000 $75,000 $100,000

Section 16 - Emergency Medical Evacuation and Repartriation (sub-limit)

     
    • Adult below 70 years

     
    • Adult 70 years and above

$100,000 $150,000 $200,000
    • Child

     

*The limits under adult & children/family cover are subject to individual cover limits for each insured person.

**Public transportation excludes a rented vehicle, vehicle on hire, ride-hailing services, tour coach or any mode of transportation chartered or arranged for the tour.

 Notes: 

  1. Adult (Individual) means a person age 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 commencement 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 consecutive 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 condition. 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 does not have 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 covers you for claims not relating to your pre-existing medical conditions, such as injury or illness sustained during the trip.

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 visit MSIG, GIA or SDIC.

Premiums

  Pre-Ex StandardPre-Ex ElitePre-Ex Premier
PremiumsIndividualIndividualIndividual

Area A

Brunei, Cambodia, Indonesia, Laos, East & West Malaysia, Myanmar, Philippines, Thailand & 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

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?

A 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:

  1. Following your treating doctor's advice on medication, medical tests, treatment or surgery.
  2. No medical condition or symptom which you have not consulted a doctor or pending medical test, diagnosis, treatment or surgery.
  3. Not required to receive treatment at a hospital's Accident and Emergency Department more than once in the last 12 months.
  4. Not required to stay in a hospital as inpatient for more than once, or for duration which is not more than three days in a row in the last 12 months.

Persons below 18 years can apply for cover 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 those 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, and an 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. 

Promotions

FreeyrselfTEPE

Terms & Conditions of TravelEasy Pre-Ex Insurance Promotion ("Promotion")

27 September 2018


  1. This Promotion is organised by MSIG Insurance (Singapore) Pte. Ltd. (“MSIG”).
  2. Promotion Period (“Promotional Period”): 1 Oct 2018 to 31 Dec 2018, both dates inclusive.
  3. This Promotion applies to TravelEasy Pre-Ex policies (new applications) accepted by MSIG and premium fully paid during the Promotion Period.
  4. Each online application for Single Trip cover accepted during the Promotional Period entitles you to receive a premium discount based on the promotion code submitted. There is no discount for offline applications.
  5. For Single Trip cover, an additional premium shall be chargeable according to any change made to the cover type, plan type, travel dates and destination subsequent to the policy issuance, subject to a minimum of S$10 nett. The premium chargeable shall be subject to the prevailing discount at the time of the first purchase. Where the change results in premium falling below the original charges when the policy was first issued, no refund of premium is granted.
  6. This Promotion is not valid with any on-going or existing travel insurance promotions, discounts, offers, vouchers, rebates or privileges.
  7. MSIG may vary the terms and conditions of this Promotion without prior notice or withdraw or discontinue the Promotion at any time without any notice or liability to you.
  8. If you cancel your TravelEasy Pre-Ex policy for any reason at all, MSIG reserves the right to retain a minimum premium of S$50 from the refund premium (if applicable) allowed under the policy. Cancellation refund, if any, is allowed if no claims have been made.
  9. MSIG’s determination of all matters relating to this Promotion shall be final and conclusive and in the event of any inconsistency between these Promotion Terms and Conditions and any brochures, marketing or promotional materials relating to this Promotion, these Promotion Terms and Conditions shall prevail.
  10. These Terms and Conditions are governed by and to be construed in accordance with the laws of the Republic of Singapore and you agree to the exclusive jurisdiction of the courts of the Republic of Singapore.
  11. A person who is not a party to these Terms and Conditions has no right under the Contracts (Rights of Third Parties) Act to enforce any of these Terms and Conditions.
  12. All information is correct at date of publish.

Compare

TravelEasy Pre-Ex TravelEasy

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!

Maternity-related Overseas Medical Expenses

Covers for medical expenses incurred overseas due to pregnancy-related illnesses such as nausea and giddiness.

Overseas Hospitalisation Expenses

In the event of hospitalisation overseas due to your acute onset of pre-existing medical condition, we cover medical, surgical, nursing or hospital charges up to $150,000* with no excess or co-payment required.

Replacement of Traveller

Pays for the charges incurred for change of traveller should the insured person suffer from serious injury, illness, death or that of their family member or travel companion 30 days prior to their trip.

Emergency Medical Evacuation and Repatriation

This travel insurance plan provides one of the highest limit of up to $200,000* for medical evacuation and repatriation incurred due to pre-existing medical conditions.

Emergency Medical Evacuation

Increased cover from $500,000 to $1,000,000 for the Standard Plan.

Comprehensive Cover

With over 51 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.

Insolvency of Licensed Travel Operator

List of travel operators expanded to include travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies).

No Upper Age Limit

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

*Cover and limits based on Premier Plan

Delayed Departure

Pays for additional administrative and travel expenses incurred to book alternative transport to the same destination should there be delays to the public transport due to strike, riot, civil commotion, poor weather conditions, natural disasters, breakdown of public transport or closure of airport.

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