Best Travel Insurance for Pre-Existing Conditions in Singapore 2024: A Comprehensive Guide
updated: Oct 17, 2024
Planning a trip with health issues can feel overwhelming, and finding the right travel insurance for pre-existing conditions is vital.
Make sure you're covered for medical emergencies linked to your health issues abroad. This guide will simplify finding travel insurance that meets your needs, ensuring you can enjoy your holiday without worrying about unexpected medical bills.
We'll look at top providers offering great coverage for those with pre-existing conditions. This makes finding the right protection easier and more efficient so you can focus on planning your itinerary and packing your bags.
Best Travel Insurance for Pre-Existing Conditions in Singapore 2024
| provider | Pre-existing conditions | Overseas medical expenses | Loss of baggage | offers_rewards | apply | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
S$175,000.00 | S$250,000.00 | S$3,000.00 | eligible_rewards (1) | on_provider_website | eligible_rewards (1) on_provider_website | ||||||
S$250,000.00 | S$500,000.00 | S$5,000.00 | eligible_rewards (1) | on_provider_website | eligible_rewards (1) on_provider_website | ||||||
S$350,000.00 | S$1,000,000.00 | S$7,500.00 | eligible_rewards (1) | on_provider_website | eligible_rewards (1) on_provider_website | ||||||
Our Picks for Travel Insurance for Pre-Existing Conditions
MSIG Standard Pre-Ex Plan (For Pre-existing Conditions)
on_provider_website
| Pre-existing conditions | S$ 175,000.00 |
|---|---|
| Overseas medical expenses | S$ 250,000.00 |
| Loss of baggage | S$ 3,000.00 |
Eligible rewards (1)
plan_details
MSIG Elite Pre-Ex Plan (For Pre-existing Conditions)
on_provider_website
| Pre-existing conditions | S$ 250,000.00 |
|---|---|
| Overseas medical expenses | S$ 500,000.00 |
| Loss of baggage | S$ 5,000.00 |
Eligible rewards (1)
plan_details
MSIG Premier Pre-Ex Plan (For Pre-existing Conditions)
on_provider_website
| Pre-existing conditions | S$ 350,000.00 |
|---|---|
| Overseas medical expenses | S$ 1,000,000.00 |
| Loss of baggage | S$ 7,500.00 |
Eligible rewards (1)
plan_details
Understanding Travel Insurance and Pre-Existing Conditions: What You Need to Know
When planning your travels, it's key to think about the best travel insurance for pre-existing conditions. This type of insurance can greatly improve your trip, especially if you have ongoing health issues.
What are pre-existing conditions?
Pre-existing conditions are health problems you have before buying travel insurance. They can include chronic illnesses, recent surgeries, or ongoing treatments. For those looking for the best pre-existing illness travel insurance, knowing this is important, as it can affect your coverage and peace of mind.
Why standard travel insurance often excludes pre-existing conditions
Most standard policies don't cover pre-existing conditions because they're riskier. Insurers want to avoid claims linked to known health issues. This can leave travellers facing big medical bills abroad, which is not a situation anyone wants to be in, especially when far from home.
|
Standard Insurance |
Specialised Insurance |
|---|---|
|
Excludes pre-existing conditions |
Covers pre-existing conditions |
|
Lower premiums |
Higher premiums |
|
Limited coverage for health issues |
Comprehensive health coverage |
The importance of specialised coverage for travellers with health issues
Specialised travel insurance for pre-existing conditions gives you peace of mind. It covers medical emergencies linked to your condition whilst abroad. This can save you from big medical bills and give you access to quality healthcare during your trip, allowing you to truly enjoy your holiday without worrying about what-ifs.
Understanding these points helps you make better choices about the best travel insurance for pre-existing conditions. This ensures a safe and enjoyable journey.
Top Travel Insurance Providers for Pre-Existing Conditions in Singapore
Looking for the best travel insurance for pre-existing conditions in Singapore? You'll find several top providers. They offer policies tailored to your health needs, giving you peace of mind on your travels.
NTUC Income is a standout with its wide coverage for pre-existing illnesses. Their policies include emergency medical evacuation and trip cancellation if health issues arise. AXA Singapore also offers flexible plans that can cover various pre-existing conditions, ensuring you're protected no matter where your travels take you.
For a detailed comparison, consider FWD Singapore and Aviva. Both offer competitive rates and a wide range of coverage options. FWD is known for simple, affordable plans. Aviva lets you add extras to tailor your policy.
When comparing travel insurance for pre-existing conditions, don't just look at the price. Check the coverage limits, exclusions, and claim process. This way, you'll find a policy that fits your health needs and travel plans, ensuring you can enjoy your trip with peace of mind.
Top Travel Insurance Providers for Pre-Existing Conditions in Singapore
MSIG Premier Pre-Ex Plan (For Pre-existing Conditions)
on_provider_website
| Pre-existing conditions | S$ 350,000.00 |
|---|---|
| Overseas medical expenses | S$ 1,000,000.00 |
| Loss of baggage | S$ 7,500.00 |
Eligible rewards (1)
plan_details
Frequently Asked Questions (FAQs)
What are pre-existing conditions in the context of travel insurance?
Pre-existing conditions are any health issues you had before buying your travel insurance. This includes chronic diseases like diabetes, heart problems, or cancer. It's important to declare these conditions when applying for insurance to ensure you're properly covered.
Why do standard travel insurance policies often exclude pre-existing conditions?
Standard policies don't cover pre-existing conditions because they increase the chance you might need medical help on your trip. This could lead to big claims for the insurer. That's why specialised policies for pre-existing conditions are so important for many travellers.
Why is specialised travel insurance coverage important for travellers with pre-existing conditions?
For those with health issues, special travel insurance is key. It offers protection and peace of mind. You'll get medical care if your condition gets worse or if new problems come up during your trip. This coverage can save you from hefty medical bills and ensure you receive proper care abroad.
What factors should I consider when comparing travel insurance for pre-existing conditions?
Look at what conditions are covered, the limits, deductibles, and premiums. Check for exclusions or waiting periods too. Also, read reviews and see how well the insurer handles claims for pre-existing conditions. Consider the level of customer service and ease of making a claim, especially when you're in a foreign country.
Do all travel insurance providers in Singapore offer coverage for pre-existing conditions?
No, not all insurers in Singapore cover pre-existing conditions. Make sure to look for policies from trusted insurers that offer this coverage. It's worth taking the time to compare different providers and their specific offerings for pre-existing conditions.
How does the claims process work for travel insurance with pre-existing conditions?
The claims process for travel insurance with pre-existing conditions typically involves providing detailed medical documentation. You may need to submit a medical report from your doctor, along with receipts for any treatments received during your trip. It's important to keep all relevant documents and contact your insurer as soon as possible if you need to make a claim.
Can I get travel insurance for pre-existing conditions if I'm over 65?
Yes, many insurers offer travel insurance for pre-existing conditions to travellers over 65. However, premiums may be higher, and there might be additional medical screenings required. Some policies may have age limits or reduced coverage for older travellers, so it's important to check the terms carefully.
Is it possible to get annual travel insurance that covers pre-existing conditions?
Some insurers do offer annual travel insurance plans that cover pre-existing conditions. These can be a good option if you travel frequently. However, they may have limitations on trip duration or require you to declare your condition before each trip. Compare different annual plans to find one that suits your needs and travel habits.
What should I do if my pre-existing condition worsens while I'm travelling?
If your pre-existing condition worsens while you're travelling, contact your insurance provider immediately. They will guide you on the next steps and may arrange for medical assistance or evacuation if necessary. Keep all medical documents and receipts for your claim. It's also a good idea to have your policy details and emergency contact numbers easily accessible.
Are mental health conditions considered pre-existing conditions in travel insurance?
Yes, mental health conditions are typically considered pre-existing conditions in travel insurance. This can include conditions like depression, anxiety, or bipolar disorder. If you have a mental health condition, it's important to declare it when applying for insurance and look for policies that offer coverage for mental health-related issues.