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Best Travel Insurance covering pre-existing conditions

Compare the Best Travel Insurance for Pre-Existing Conditions: Our Top 3 Picks

 

Here is a detailed comparison of the highest tier travel plan covering pre-existing conditions:- MSIG Pre-Ex Premier Plan, NTUC Enhanced PreX Prestige Plan, and FWD First Plan, focusing on their coverage, exclusions, and COVID-19 related benefits.

Best Travel Insurance for Pre-Existing Conditions

Detailed Analysis

1. Personal Accident and Medical Expenses Overseas:

  • MSIG Pre-Ex Premier Plan covers up to $500,000 for adults below 70 years and $100,000 for adults 70 years and above for personal accident. Medical expenses overseas are covered up to $1,000,000 for adults below 70 years and $100,000 for adults 70 years and above​​ .
  • NTUC Enhanced PreX Prestige Plan provides higher coverage with up to $3,000,000 for medical expenses overseas for adults below 70 years and $350,000 for adults 70 years and above .
  • FWD First Plan offers similar coverage with up to $1,000,000 for adults below 70 years and $200,000 for adults 70 years and above​​ .

2. Emergency Medical Evacuation and Repatriation:

  • MSIG Pre-Ex Premier Plan covers up to $1,000,000 for emergency medical evacuation and repatriation​​ .
  • NTUC Enhanced PreX Prestige Plan provides unlimited coverage for this benefit, making it more comprehensive compared to the MSIG plan .
  • FWD First Plan also offers unlimited coverage for emergency medical evacuation and repatriation​​ .

3. Trip Cancellation and Curtailment:

  • All three plans offer up to $15,000 for trip cancellation and curtailment, ensuring substantial coverage for unforeseen trip disruptions​​ .

4. Travel Delay and Baggage Loss/Delay:

  • MSIG Pre-Ex Premier Plan offers up to $1,500 for travel delay and $7,500 for baggage loss with $900 for baggage delay​​ .
  • NTUC Enhanced PreX Prestige Plan provides higher coverage for travel delay up to $4,000 and baggage loss up to $20,000 with $4,000 for baggage delay .
  • FWD First Plan offers similar benefits as MSIG with up to $1,500 for travel delay and $7,500 for baggage loss with $900 for baggage delay​​ .

5. COVID-19 Coverage:

  • MSIG Pre-Ex Premier Plan does not specifically mention COVID-19 coverage​​ .
  • NTUC Enhanced PreX Prestige Plan covers up to $1,000,000 for medical expenses related to COVID-19 while overseas. It also includes trip cancellation and curtailment coverage if related to COVID-19 .
  • FWD First Plan provides coverage for COVID-19 related medical expenses and quarantine allowances​​ .

6. Exclusions:

  • MSIG Pre-Ex Premier Plan excludes dental treatments, mobility aids, prostheses, and other specific conditions​​ .
  • NTUC Enhanced PreX Prestige Plan excludes extreme sports, terminal illness, and outpatient treatments unless specified .
  • FWD First Plan excludes certain sports and pre-existing conditions unless specifically covered under the policy​​ .

Summary

Each of these travel insurance plans offers comprehensive coverage with slight variations in benefit limits and specific exclusions. NTUC Enhanced PreX Prestige Plan stands out with its higher benefit limits and extensive COVID-19 coverage. FWD First Plan provides a balanced coverage with unlimited emergency evacuation and reasonable benefit limits. MSIG Pre-Ex Premier Plan offers solid coverage but lacks specific mention of COVID-19 benefits.

Choose the best plan depends on individual needs and preferences, especially concerning COVID-19 coverage and specific exclusions by clicking here: –> https://engage.fa.com.sg/compare-travel-insurance/?a_aid=teaengpeng

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Tea Eng Peng 郑永平

Tea Eng Peng 郑永平 is a highly accomplished financial consultant with a proven track record in the financial industry. His extensive expertise has earned him the respect of various media outlets, including 财经追击 Money Week and 早报, where he is a frequent commentator on financial management matters.

Tea Eng Peng specializes in providing bespoke Holistic Financial Planning solutions that cover all aspects of Wealth Management, ranging from investment and insurance products to personalized mortgage loan advice. He also excels in Talent Retention Programs and Pension Plans, collaborating with corporations to deliver Lunch Time Talks and Workshops. His innovative and creative approach has made him a go-to consultant for SME business owners looking for out-of-the-box solutions when designing their Succession or Exit Plans.

With over two decades of experience in the financial industry, Tea Eng Peng has worked for various financial institutions, including an agency, a brokerage firm, a securities firm, and an independent financial advisory firm. He is deeply committed to imparting his skills and knowledge to aspiring individuals who aspire to excel in the financial industry by prioritizing clients’ interests.

Tea Eng Peng is a trailblazer in his company, having achieved the highest company ranking within the shortest timeframe. He accomplished this by leveraging his proven 5 Steps Success System to build his team and business from zero income and manpower.

Tea Eng Peng is passionate about leveraging technology to enhance work efficiency. He harnesses the power of the internet and social media to attract the right clients and utilizes phone apps and computer tools to ensure that business is just a click away. His dedication to utilizing the latest technologies ensures that he stays at the forefront of the industry, providing the highest level of service to his clients.

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根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

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  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策，并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
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  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意，不得将这些文件全文或部分发布，传播，复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发，出版或使用此类文件可能违反当地法律，或本公司及关联公司或关联人士需要注册，获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策