Find the answers to our most commonly asked questions about the nature of our cover and how we protect members globally. 

Do you Cover Pre-Existing Conditions?

• We generally  cover pre-existing conditions (including pre-existing chronic conditions), unless we say otherwise in writing before policy inception. If your underwriting terms are moratorium,there will be a  24 months waiting period before claims for any pre-existing medical conditions may become eligible. Once you’ve completed a continuous 24-month period after your start date, your pre-existing medical condition may be covered, provided that you’ve not had symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition.

If I Travel outside of singapore am I covered for medical emergencies?

• You will be covered on an emergency basis if you are on a short term visit outside of Singapore. For example, if you are on holiday in the Egypt, but have purchased a Worldwide Excluding Egypt plan –  There is cover for emergencies in Egypt for a maximum of 42 days (for trips of a maximum period of six weeks – unlimited number of trips). Please see our Benefit Guide for general terms & conditions.

I am Planning a move to Singapore. Which geographical area does the International health Insurance cover?

• We offer international health insurance plans in multiple areas – please check your Insurance Certificate to confirm which one applies to you.
  For example, if your area of cover is “Worldwide”, this means that your cover will be valid everywhere in the world. If your area of cover is “Singapore”, then your cover will be valid everywhere in Singapore.
• *Our policies don’t provide any cover or benefit for any business or activity to the extent that either the cover or benefit or the underlying business or activity would violate any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations. The areas of cover are subject to your policy terms and conditions.