Protecting travellers with pre-existing medical conditions
MSIG introduces a travel insurance policy called TravelEasyPre-Ex.
Travellers who have stable and controlled pre-existing medical conditions can be covered under TravelEasy Pre-Ex so long as they meet the qualifying conditions which includes attending follow-up consultation, following doctor’s advice on necessary treatment and have not been hospitalised more than once in the past 12 months.
Should the traveller become critically ill due to a pre-existing medical condition during the trip, the Pre-Ex Critical Care section of the policy will cover for overseas inpatient medical expenses and emergency medical evacuation costs.
Steven Leong, senior vice-president, Consumer and Digital Distribution, said: “We recognise there are many travellers with stable and controlled medical conditions, and TravelEasy Pre-Ex was developed to provide them with more insurance options so they can travel with peace of mind. Our policyholders no longer have to worry about high hospitalisation charges or emergency medical evacuation as TravelEasy Pre-Ex will better protect them if they suffer a serious medical condition while travelling abroad.”
TravelEasy Pre-Ex comes in three plan types to cater for different protection needs. The highest plan, Pre-Ex Premier, will cover up to S$150,000 for overseas inpatient medical expenses and up to S$200,000 for emergency medical evacuation for adults below 70 years old.
Pre-Ex Critical Care Section
|Maximum benefit (S$) for each trip
per insured person
|Overseas Medical Expenses
(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|
|Emergency Medical Evacuation
|Adult below 70 years old||$100,000||$150,000||$200,000|
|Adult 70 years old and above||$100,000||$150,000||$200,000|
Note: Please refer to the full TravelEasy Pre-Ex benefits on MSIG website.
For illustration, under the Pre-Ex Standard plan, travellers only need to pay a premium of S$38 for a three-day trip to any Southeast Asia country and S$181 for a 14-day trip to Europe. Pre-Ex cover is available for single return trip up to 30 days.
TravelEasy Pre-Ex also comes with comprehensive travel benefits for claims not due to pre-existing medical condition such as baggage delay, loss of travel documents, personal money and personal accident cover. For instance, if the policyholder is robbed and lost his passport and cash, he will be compensated as per the policy limits.
Travel companions of Pre-Ex policyholders who have no pre-existing medical conditions can buy the regular TravelEasy plan. Should their own trip be cancelled, postponed or shortened due to a serious illness of their travel companion with pre-existing medical conditions, they will be covered.