Travel Insurance Covering Pre Existing Medical Conditions
Do you know that most travel insurance plans do not cover pre-existing medical conditions?
This was shared virally in Singapore recently of some Singaporeans who were on holiday overseas and had to wait for 36 hours just for an indemnity form before they can start to queue up for an emergency aircraft medical evacuation. Their insurer refuses to evacuate him until they confirm that it is not pre-existing conditions. They made the family wait and sign indemnity forms before agreeing to evacuate him back to Singapore. Paperwork > life.
Your annual or single travel insurance may not cover pre-existing medical conditions
This is not new. Most travel insurers do not cover pre-existing medical and health conditions for single and annual travel insurance plans.
For example, if you have pre-existing heart problems, and while you are overseas enjoying your holiday and suffer a heart attack, your travel insurance may not cover your medical expenses and medical evacuation and repatriation
Not every travel insurance is the same. Most travel insurance coverage DO NOT cover pre-existing medical conditions for all travel claims. Do check with your insurance adviser or insurance brokers (brokers have more than 1 insurers to offer to their clients) for travel plans that provide coverage even for pre-existing conditions.
Which insurers cover pre-existing medical conditions for travel plans?
Check with your advisors or brokers. Here are some insurers that we have asked and found that provides extensive coverage for pre-existing medical conditions for travel insurance.
- Sompo Insurance
- Liberty Travel Insurance
- MSIG travel insurance covers preexisting for only medical expenses for hospitalisation in overseas – limits on emergency evacuation due to pre-existing conditions.
- NTUC – limits on emergency evacuation due to pre-existing conditions.
In the event of unfortunate events such that medical attention and evacuation is needed, you do not want it to be delayed just because the insurer needs to check whether the event (stroke/heart attack/coma, etc…) is a pre-existing condition not covered by the travel insurance.
We have many different ranges of insurance to help clients choose for the best coverage that they desire. We have a great travel insurance guide FAQ for every Singaporean to go to if they need to check on claims and answer their worries.
For your travel insurance, you can check out Travel Insurance Annual or Single Plans.
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