Can I Cancel My Medical Insurance At Any Time – Get coverage for travel inconvenience and medical expenses (including pre-existing medical conditions and COVID-19) on your next vacation.
Planning a seaside vacation? Protect your cruises with travel insurance that includes COVID-19 coverage. Please see the COVID-19 Travel FAQ for more information.
Can I Cancel My Medical Insurance At Any Time
Further expansion of COVID-19 cover Our multi-trip and annual travel insurance policies now include a COVID-19 benefit and can be purchased online. For the Per Trip Policy (Standard Plan), get the COVID-19 benefit for the first 90 days of each trip. For annual policy (standard plan), get the covid-19 benefits for the number of trips you will take in a year, but remember that each trip should not exceed 90 calendar days. For other plan types and more details on comprehensive coverage and exclusions, please see our COVID-19 travel FAQ and our COVID-19 policy terms.
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24/7 Medical Emergencies: You can call (65) 6338 1222 for help in the event of an accident or medical emergency anywhere in the world.
You can refer to the maximum amount we will pay for each part of the family coverage assistance during the trip. Each insured is only allowed the maximum benefit per insured in the coverage table.
All benefits covered in our travel insurance will only be effective while you are abroad except for the following:
For personal accidents, your cover starts when you leave your usual place of residence or place of work (whichever is later) to start your journey, or three hours before the start date shown on your certificate of insurance, whichever is later. which is later back cover:
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Yes, our travel insurance covers all travel related benefits, except for any conditions arising from a pre-existing medical condition¹. If you have a pre-existing medical condition, we recommend using an advanced PreX plan that covers your pre-existing medical condition. For coverage of pre-existing medical conditions, see the PreX Advanced Plans section.
The definition of pre-existing medical condition also applies to the injury or illness of a family member or traveling companion.
Leisure activities accessible to the general public/tourists such as bungee jumping, diving, motorcycling (including horse riding), horse riding, winter sports, rafting, are included in the standard terms of the policy.
However, dangerous or professional sports and activities are not covered by the terms of our policy. If you want to check if the activities you are taking part in are covered, you can call us on 6616 6788.
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If my family consists of me, my father, my husband and my son traveling together, can I buy family cover?
You may want to purchase family coverage for yourself, your spouse, and children and add your father as an insured. This can be done by selecting a plan for family coverage and then adding insurance on the next page.
If my child turns 18 this year, can I still insure him as a child? How much does it cost?
Yes, children older than 30 days but less than 21 years old can be insured as children. For more details, you can see the premium table available on the website.
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You can purchase child coverage on all plans or upgrade to adult coverage on Classic, Deluxe, PreX Basic and Enhanced PreX Superior plans. If your child is 16 years old or older, he can be insured.
I will travel abroad for a year. Can I buy a travel insurance policy to cover me for one year?
You can get travel insurance plans per trip for up to 180 consecutive days for Classic, Deluxe and Preferred plans, and up to 30 days for Advanced PreX plan. We cannot accept coverage for more than 180 consecutive days.
No, your insurance period must cover the entire trip from the date of departure from Singapore to the date of arrival in Singapore.
Insurable Interest Definition
Your insurance period is automatically extended while you are abroad at no additional premium for the first 14 days if:
Our policy covers people traveling abroad for business or pleasure. It is intended to cover people traveling for medical treatment.
Yes, your travel insurance will reimburse you for emergency medical, surgical, hospital, dental treatment and ambulance expenses recommended or requested by your attending physician up to the maximum amount shown in the accompanying table. your schedule or up to 45 days from the date of the first treatment, whichever is earlier.
Yes, we will pay reasonable and necessary emergency treatment costs recommended or requested by your doctor to enable you to receive treatment abroad, up to the limit shown in your plan’s cover table or up to the time period above. Up to 45 days from the date of first treatment, whichever is earlier.
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Yes, our travel insurance covers the cost of specialist treatment if referred by a GP. This is for a period of up to 45 days from the date of first treatment or until the end of the privacy agreement, whichever is earlier.
If I see a doctor after returning to Singapore, will my insurance policy cover my medical expenses?
Yes, we will pay necessary and reasonable medical, surgical, hospital, dental and ambulance expenses for treatment and follow-up in Singapore on the advice or request of a doctor, subject to the following conditions:
Yes, you can receive medical treatment from a Chinese doctor or chiropractor if the doctor is registered with the Board of Traditional Chinese Medicine (TCM) Practitioners and holds a valid certificate. You must do this within three days of your return to Singapore and have a maximum of 30 days to continue treatment.
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Yes, if you are hospitalized abroad for at least three days due to an injury or illness while traveling and no adult family members are present, a member of your family can visit you.
We will pay reasonable economy class transportation (for air, sea or land travel) and hotel accommodation for a family member to travel with you or a companion until you are medically cleared. doctor to continue the trip or return to Singapore or up to 30 days from the end date of the trip, whichever is earlier.
Yes, we will pay benefits for each full 24-hour period you are hospitalized, up to the amount shown in your plan’s coverage table. These benefits end when you leave the hospital abroad.
No, none or the designated auxiliary company will organize and decide the most appropriate method of evacuation. This may include air ambulance, surface ambulance, conventional air transport or other appropriate means. Rest assured that our decisions will be based on severity and medical necessity.
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Will send you home benefits including insured return and shipping costs to Singapore or your country of origin. This is provided if death occurs as a result of injury or illness abroad.
You will be eligible to cancel your travel benefits under the following conditions provided within 30 days prior to your intended departure:
You will be eligible to cancel your travel benefits in the following circumstances, if these benefits occur before your departure from Singapore:
* Family member means husband or wife, child, parent, sibling, son-in-law, son-in-law, grandfather, son-in-law, son-in-law, son-in-law – son-in-law or grandson
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We will pay for non-refundable transport (air, sea or ground) and accommodation costs that you have paid or agreed to under the contract (including travel agent cancellation fees) up to your scheme benefit. You must first request prepaid expenses from the transportation provider or accommodation. We will reduce your claim by the amount we reimbursed the transport provider or accommodation.
If I cancel the trip two months before the departure date due to serious illness, will it be covered by the travel insurance?
No, you will only be covered by our travel insurance trip cancellation benefits if you cancel your trip due to serious illness 30 days before your departure date from Singapore.
If I cannot travel due to a work commitment and have to cancel my trip, will it be covered by my travel insurance?
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No, you will not be covered by travel insurance as work commitments are not an insured peril. However, you can cancel your policy and we will refund unused premiums less administration charges.