Travel Insurance With Best Medical Coverage
Be it a solo backpacking trip, a romantic retreat with your partner, or a family vacation to a destination of your choice, one imperative facet of your journey requires meticulous attention: travel insurance.
When getting travel insurance, it is wise to understand the breadth of medical coverage for your travels and there are numerous factors that need to be considered. It's advantageous to comprehend the extent of coverage for specific medical expenses, encompassing overseas medical treatments, medical costs upon returning to Singapore, daily hospital cash benefits, and more, so as to get adequate coverage.
Let’s delve into the essential facets of medical coverage benefits, highlight important exclusions, and explore the available options in this guide.
What Are Usually Included In Travel Insurance Medical Coverage?
While the specifics of medical claim benefits in travel insurance may differ among insurers, there are several commonly acknowledged reasons that most travel insurance companies will cover.
These include emergency medical evacuation and repatriation, medical expenses accrued abroad, and incidents resulting in death or disability affecting you, your spouse, child, or travelling companion, all of which are widely accepted reasons for medical claims and covered by all insurers.
Other commonly accepted reasons which you or your travel companion can claim for include:
Pre-existing conditions
Overseas hospitalisation expenses
Overseas maternity medical expenses
Daily hospitalisation benefits (overseas/local)
Compassionate hospital visit
Emergency medical evacuation costs
Best Travel Insurance With Medical Coverage Benefits
Although getting travel insurance is mandatory by law in some countries, it is still safer to be covered with travel insurance, as you never know when you’ll need medical attention during unexpected situations.
| Best for | Travel insurance plan | Estimated premium rate* |
|---|---|---|
| Unlimited overseas medical coverage | Singlife Travel Prestige plan | $60 |
| Pre-existing conditions | MSIG TravelEasy® Pre-Ex Premier plan | $74 |
| Emergency medical evacuation and repatriation | Great Eastern TravelSmart Premier Classic | $51 |
| Overall good value | DirectAsia DA500 | $35 |
*Estimated premium rates are based on a 3D2N single trip plan to a country in Southeast Asia, all data last updated on 3 May 2024.
Check Out The 6 Best Travel Insurance In Our Article Here
Common Medical Coverage Exclusions In Travel Insurance
Most travel insurance plans with medical coverage still share common exclusions. The below are some examples which are often excluded in travel insurance policies with medical coverage.
- Medical tourism, such as flying overseas to seek a second medical opinion, is not covered under most travel insurance plans. You will also not receive a payout if you travel against a doctor’s advice.
- Pregnancy-related claims like those related to childbirth, miscarriage or abortion unless caused by an injury (you are not covered due to sickness) may not be covered in certain circumstances.
- Medical claims that result from a pre-existing medical condition whether you were to proceed with travel plans against a doctor’s advice or not. In the case of trip cancellations resulting from family illnesses, however, a claim may be successful depending on your circumstances.
- Certain kinds of dental expenses incurred due to sickness, disease, infection or any physical defect or illness. Some plans do offer extra coverage for expenses related to dental injuries resulting from accidents, acute dental pain, or emergency dental procedures needed to alleviate severe discomfort or prevent further complications during your trip.
- Treatments by a Chinese medicine practitioner like acupuncture, tuina, cupping therapy sessions or consultation sessions with a chiropractor may or may not be claimable in certain situations, which are often assessed on a case-by-case basis by the travel insurance company.
- Any evacuation which can be treated locally in the travel destination and does not prevent you from continuing your trip or where the insurer assesses you are physically able to return to Singapore as a normal passenger without medical assistance.
- Any bodily injury which existed prior to the beginning of the insured trip and permanent total disablement caused directly or indirectly by sickness, disease, infection or any physical defect or illness.
Best Travel Insurance With Medical Coverage
MSIG TravelEasy Standard
- Med. Coverage (Overseas)
- S$250,000
- Trip Cancellation
- S$5,000
- Loss/Damage of Baggage
- S$3,000
- Total PremiumTotal Premium
S$3860% Off - S$15.20
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Get over S$130 worth of rewards including:
• Up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Up to S$20 iShopChangi vouchers
• S$30 Trip.com Hotel Coupon*
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
Score exciting gifts on top of existing rewards:
• Apple iPad 10.9-inch 64GB (10th Gen). T&Cs apply.
• S$100 Revolut cash reward. T&Cs apply.
Great Eastern TravelSmart Premier Classic
- Med. Coverage (Overseas)
- S$300,000
- Trip Cancellation
- S$10,000
- Loss of Baggage
- S$5,000
- Total PremiumTotal Premium
S$5145% Off - S$28.05
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Enjoy 45% off your Single Trip policy premium.
Get up to S$60 worth of rewards including:
• S$10 via PayNow with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Up to S$20 iShopChangi vouchers with every policy purchased.
PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.
FWD First
- Med. Coverage (Overseas)
- S$1,000,000
- Trip Cancellation
- S$15,000
- Loss/Damage of Baggage
- S$7,500
- Total PremiumTotal Premium
S$34.3335% Off - S$22.31
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Enjoy 35% off your Single Trip policy premium. Discount valid till 26 Nov 2024.
Get over S$55 worth of rewards including:
• S$30 Revolut cash reward
• S$20 iShopChangi vouchers
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. T&Cs apply.
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• Up to S$4,000 FREE Flights AND 1,000,000 Ascott Star Rewards points (worth S$6,500)
• 2D1N Staycation at Ascott Orchard Singapore (worth S$1,100)
• 20,000 Ascott Star Rewards points (worth S$50) and more! T&Cs apply.
• S$100 Revolut cash reward. T&Cs apply.
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Singlife Travel Prestige
- Overseas Medical Expenses
- Unlimited
- Trip Cancellation
- S$20,000
- Loss/Damage of Baggage
- S$8,000
- Total PremiumTotal Premium
S$60.5925% Off - S$45.44
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Get over S$115 worth of rewards including:
• Up to 510 SmartPoints OR S$30 via PayNow with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• Up to S$20 iShopChangi vouchers
• S$30 Trip.com Hotel Coupon
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
Use SmartPoints to redeem your favourite product from our Rewards Store today.
PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.
AIG Travel Guard® Direct - Supreme
- Overseas Medical Expenses
- S$2,500,000
- Travel Cancelation / Postponement
- S$15,000
- Loss/Damage of Personal Baggage
- S$10,000
- PremiumPremium
S$7720% Off - S$61.60
[GIVEAWAY | MoneySmart Exclusive]
• Enjoy an exclusive 20% off your policy premium.
Get over S$75 worth of rewards including:
• S$30 Revolut cash reward
• S$10 iShopChangi vouchers
• S$30 Trip.com Hotel Coupon
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. T&Cs apply.
PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.
INCOME Enhanced PreX Superior
- Med. Coverage (Overseas)
- S$500,000
- Trip Cancellation
- S$10,000
- Loss/Damage of Baggage
- S$5,000
- Total PremiumTotal Premium
S$8120% Off - S$64.80
[Prizes worth over S$25,000 | MoneySmart Exclusive]
Get over S$95 worth of rewards including:
• S$10 via PayNow with eligible premiums spent. T&Cs apply.
• S$30 Revolut cash reward
• S$20 iShopChangi vouchers
• S$30 Trip.com Hotel Coupon
• Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased.
Ready to Travel like a Millionaire and win over S$25,000 in prizes?
• Up to S$4,000 FREE Flights AND 1,000,000 Ascott Star Rewards points (worth S$6,500)
• 2D1N Staycation at Ascott Orchard Singapore (worth S$1,100)
• 20,000 Ascott Star Rewards points (worth S$50) and more! T&Cs apply.
• S$100 Revolut cash reward. T&Cs apply.
Frequently Asked Questions
Will I be able to claim for medical expenses if I get diagnosed with an infectious disease or sustained a severe injury during my trip?
- Yes and no, this depends on the coverage limits and terms and conditions of your purchased travel insurance policy. Most plans provide medical coverage for medical, surgical, nursing or hospital charges up to a certain claim limit (as per your policy terms and conditions) with or without excess or co-payment requirements.
Some plans do offer the option of including overseas ICU hospitalisation daily allowance. It is best to consult your travel insurance agent for the most accurate details. What are usually excluded in medical coverage for travel insurance?
- The usual exclusions include:
- Medical tourism
- Medical claims that result from a pre-existing medical condition
- Treatments by a Chinese medicine practitioner
- Certain kinds of pregnancy-related claims
- Certain kinds of dental expenses
- Any bodily injury which existed prior to the beginning of the insured trip
- Any evacuation which can be treated locally in the travel destination and does not prevent you from continuing your trip
Read More Articles about Travel Insurance in Singapore
Begin an adventure of enlightenment and readiness! Explore our selection of articles focused on travel insurance below. From crucial advice to in-depth coverage analysis, arm yourself with the information necessary for stress-free journeys. Begin your exploration today!