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MSIG TravelEasy Pre-Ex® Insurance

  • All Pre-Existing Medical Conditions – Enjoy cover across pre-existing medical conditions from asthma to cancer, as long as your illness is stable and under control.
  • Overseas Hospitalisation Expenses – MSIG cover medical, surgical, nursing or hospital charges up to $150,000 with no excess or co-payment required.
  • Emergency Medical Evacuation and Repatriation – Enjoy one of the highest limits of up to $200,000 for medical evacuation and repatriation.
  • No Upper Age Limit – Whether you are 70 or 80, age is no barrier with MSIG.

  • Review Text
  • Insurance Details
  • Provider Details

Travel Insurance Review

The MSIG TravelEasy Insurance for Pre-Existing medical conditions is a game changer insurance package, offering you the chance to experience the thrill of travel without the limitations of Pre-Existing medical conditions. With MSIG PreEx, customers enjoy cover for all types of pre-existing medical conditions, as long as your illness is stable and under control. What’s more, in the event of hospitalisation due to acute onset of your pre-existing medical condition, MSIG covers medical, surgical, nursing or hospital charges up to $150,000* with no excess or co-payment required.

All travel insurance plans are very easy to purchase via the links provided and MSIG run a 24/7 helpline for emergencies, so you can connect with a medical assistant for medical care and evacuation, no matter which time zone you are in. All claims can easily and quickly be submitted via an online portal, bring your claim to a fair settlement as quickly and as effortlessly as possible.

MSIG TravelEasy Pre-Ex Insurance Summary

All Pre-Existing travel insurance packages from MSIG offer single trip insurance that lasts a maximum of 30 days, with no annual package offering. They cover all individuals residing in Singapore, aged 1 month and above, including Foreigners holding an employment pass or work permit and living in Singapore. Enjoy support with overseas medical expenses up to 1 million, with pre-existing medical cover up to $150,000* depending on the package selected.

TravelEasy Pre-Ex Premium:

  • Up to $1 million in personal medical expenses cover for adults below 70 years of age.
  • Up to $150,000 in personal medical expenses cover for adults below 70 years of age for pre-ex critical care.
  • Up to $15,000 in personal emergency dental expenses cover for adults below 70 years of age.
  • Up to $3,000 in personal maternity medical expenses (cover for incidental expenses incurred overseas).
  • Up to $60,000 for an adult and $15,000 in overseas hospitalisation daily benefit and up to $150,000 for adult & children/family cover (in total).
  • Up to $500,000 in terrorism cover and up to $2 million for adult & children/family cover (in total).

TravelEasy Pre-Ex Elite:

  • Up to $500,000 in personal medical expenses cover for adults below 70 years of age.
  • Up to $100,000 in personal medical expenses cover for adults below 70 years of age for pre-ex critical care.
  • Up to $10,000 in personal emergency dental expenses cover for adults below 70 years of age.
  • Up to $2,000 in personal maternity medical expenses (cover for incidental expenses incurred overseas).
  • Up to $37,500 for an adult and $12,500 in overseas hospitalisation daily benefit and up to $100,000 for adult & children/family cover (in total).
  • Up to $300,000 in terrorism cover and up to $1.2 million for adult & children/family cover (in total).

TravelEasy Pre-Ex Standard:

  • Up to $250,000 in personal medical expenses cover for adults below 70 years of age.
  • Up to $75,000 in personal medical expenses cover for adults below 70 years of age for pre-ex critical care.
  • Up to $5,000 in personal emergency dental expenses cover for adults below 70 years of age.
  • No personal maternity medical expenses (cover for incidental expenses incurred overseas).
  • Up to $20,000 for an adult and $5,000 in overseas hospitalisation daily benefit and up to $50,000 for adult & children/family cover (in total).
  • Up to $200,000 in terrorism cover and up to $800,000 for adult & children/family cover (in total).

Frequently Asked Questions:

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.

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 below, 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.

  • Following your treating doctor’s advice on medication, medical tests, treatment or surgery.
  • No medical condition or symptom for which you have not consulted a doctor or pending medical test, diagnosis, treatment or surgery.
  • Not required to receive treatment at a hospital’s Accident and Emergency Department more than once in the last 12 months.
  • Not required to stay in a hospital as an inpatient more than once, or for a 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.

*Cover and limits based on Premier Plan.

Insurance Details

  • 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. Plus children under the age of 12 years must be accompanied by a parent or adult guardian during the trip.
  • The 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 and 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.

Provider Details

MSIG Insurance is one of Asia’s leading general insurers, with a solid presence in Singapore for over 100 years. We are unique as a company that has drawn upon a rich blend of best practices and expertise from the consolidation of several successful mergers, and are today, a wholly owned subsidiary of MSIG Holdings (Asia) Pte. Ltd.

MSIG Insurance is a member of the MS&AD Group, which is a world-leading general insurance organisation with operations in more than 40 countries, including 17 in Asia and Oceania alone. This membership enables MSIG to leverage on extensive group‑wide expertise and synergies, including that of MS Amlin, the second largest Lloyd’s syndicate which was acquired by the Group in 2015 to underwrite special risks, and that of First Capital Insurance Limited of Singapore which was successfully acquired in late 2017.

MSIG Promise

“At MSIG, you are at the heart of all we do. That is why we go above and beyond to deliver excellent service to you”.

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