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App-exclusive: 25% off Enhanced PreX Per-trip Travel Insurance plans!
Find Out MoreGet our Enhanced PreX Travel Insurance if you have pre-existing medical conditions
Regular travel insurance do not cover you for pre-existing medical conditions, but Enhanced PreX Travel Insurance does. Pre-existing medical conditions that are covered include diabetes, heart conditions, high blood pressure, asthma, eczema and more.
Not sure which plan suits you? Find out more.
Get covered if you unexpectedly suffer an injury or sickness during your trip and need to get medical treatment while overseas.
In the event of a serious medical emergency overseas, we will get you to the nearest hospital and safely back to Singapore for recovery if required.
Income Insurance offers the lowest co-payment in Singapore for travel inconvenience claims, due to pre-existing medical conditions.
In the event of a trip disruption, enjoy peace of mind knowing you are covered for transport, accommodation and other unused prepaid expenses including concert tickets, admission tickets to theme parks, sporting events and more.
Income Insurance is the only insurer that allows you to purchase travel insurance up to a day after you have departed from Singapore. Available for Per-trip plans only.
Income Insurance is the only insurer in Singapore that lets you cancel, postpone or shorten your trip for any reason[4], even if your policy is purchased more than 30 days after booking your trip.
Plus, enjoy coverage for unlimited trips in the year with our yearly plan. Available for Enhanced PreX Prestige plan.
Check out how this coverage works here.
Easily modify your travel dates, destination, traveller(s) details, plan type and policyholder details[8] via our Travel Insurance online endorsement portal here.
We make post-trip claims easy for you. Initiate a claim and track your claim status from start to end conveniently via our digital travel claims portal. Find out more here.
Additional benefits for your travels
Protect against common travel inconveniences such as damage to personal belongings, personal accident, medical expenses while overseas and trip cancellations due to unexpected events, even if you purchase last-minute.
Enjoy coverage for adventurous activities[5] such as skiing, bungee jumping, skydiving and more!
Opt for Family cover[6] if you are travelling with your spouse/partner and children.
With 24/7 Medical Emergency Hotline, you can call (65) 6338 1222 or via Internet call here, for assistance in the event of an accident or medical emergency anywhere in the world. Get complimentary overseas tele-consultation service[3] for conditions that do not require urgent medical assistance (e.g. flu, cold, etc.).
Renew your existing yearly plan[7] to enjoy additional limits on selected benefits.
Taking a cruise? We cover you for sea travel, and this includes cruise to nowhere.
Here are some of the key items we cover
There are 3 plans to choose from, giving you flexibility to select coverage that meets your needs.
| Enhanced PreX Travel Insurance | |||
|---|---|---|---|
| Coverage due to pre-existing medical conditions | Basic Plan | Superior Plan | Prestige Plan |
| Travel Inconvenience Benefits | |||
| Cancelling your trip |  |  | |
| Postponing your trip | | | |
| Shortening your trip | | | |
| Trip disruption | | | |
| Personal Accident and Medical Expenses Benefits | |||
| Overseas hospital allowance | | | |
| Compassionate visit | | | |
| Medical expenses overseas | | | |
| Treatment by a Chinese medicine practitioner or a chiropractor | | | |
| Emergency medical evacuation | | | |
| Sending you home | | | |
| Other Benefits | |||
| Emergency phone charges | | | |
Legend
Cover claims not due to pre-existing medical conditions
Cover claims due to pre-existing medical conditions
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Basic Plan
Superior Plan
Prestige Plan
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| Basic Plan | Superior Plan | Prestige Plan | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Key Benefits | Maximum benefit for each trip | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Key Benefits | Maximum benefit for each trip | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Personal accident | $200,000 | $200,000 | $500,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Medical expenses overseas | $500,000 | $500,000 | $1,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Sub-limit for pre-existing medical conditions | $150,000 | $150,000 | $300,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Coverage for pre-existing medical conditions | Includes overseas medical expenses and emergency medical evacuation and repatriation | Includes overseas medical expenses, emergency medical evacuation and repatriation, and co-payment on claims for certain travel inconveniences | Includes overseas medical expenses, emergency medical evacuation and repatriation, and co-payment on claims for certain travel inconveniences | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Travel delay | $1,500 | $1,500 | $2,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Loss or damage of baggage and personal belongings | $5,000 | $5,000 | $8,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| The benefits above are for each trip for adults below 70 years old. For a more detailed look at what you are covered for, you may view the full policy conditions link here. | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| The benefits above are for each trip for adults below 70 years old. For a more detailed look at what you are covered for, you may view the full policy conditions link here. | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
How to choose your Travel Insurance?
Find out which plan is suitable for you.
Check out FlexiTravel Plus Insurance and Standard Travel Insurance.
^Australia, Brunei, Cambodia, China (excludes Mongolia & Tibet), Hong Kong, India, Indonesia, Japan, Korea, Laos, Macau, Malaysia, Myanmar, New Zealand, Philippines, Sri Lanka, Taiwan, Thailand and Vietnam.
- We do not cover claims arising from a pre-existing medical condition where you have been given a terminal prognosis with a life expectancy of under 12 months. Please refer to policy conditions for the precise definition of pre-existing medical conditions.
- For trip cancellation, postponement, shortening and disruption under Enhanced PreX Superior and Prestige Plans. A 25% co-payment will apply for claims due to pre-existing medical conditions.
Your policy toolkit
Eligibility
You must:
- Be living or working in Singapore
- Be holding a valid Singapore identification document (NRIC, employment pass, work permit, long-term visit pass or student pass)
- Be starting and ending your trip in Singapore
- Have bought and fully paid for your policy before leaving Singapore (not applicable to post-departure purchase)
- Be more than 30 days old
Policy conditions
Other documents
Frequently Asked Questions (FAQs) About Enhanced PreX Travel Insurance
Enhanced PreX Travel Insurance covers you for pre-existing medical conditions during your travels, such as diabetes, heart conditions, high blood pressure, asthma, eczema and more.
Yes, you can. If you have a pre-existing medical condition and want coverage related to that condition, you can choose Income’s Enhanced PreX Travel Insurance.
Pre-existing medical condition refers to any injury or illness (including any complications which may arise):
- which you knew about before the start of your trip; or
- which you have received diagnosis, consultation, medical treatment or prescribed drugs for in the 12 months before the start of your trip; or
- which you have been asked to get medical treatment or medical advice for by a medical practitioner within 12 months before the start of your trip.
Our travel insurance does not cover claims for loss or liability directly or indirectly caused by or arising from pre-existing medical conditions if you have been given a terminal prognosis with a life expectancy of less than 12 months.
Enhanced PreX Travel Insurance is meant for travellers with pre-existing medical conditions. Income lists examples such as diabetes, heart conditions, high blood pressure, asthma and eczema, so it is suitable for travellers looking for cover related to ongoing or chronic medical conditions.
Yes. Claims arising from a pre-existing medical condition are not covered if the insured person has been given a terminal prognosis with a life expectancy of under 12 months. It is also best to refer to the policy conditions for the precise definition of a pre-existing medical condition and the full terms of cover.
That depends on how much cover you want for your trip. Income Insurance offers three plans: Basic, Superior and Prestige. If you want a higher level of cover, Prestige offers the highest limit for pre-existing medical conditions. Superior and Prestige also include travel inconvenience benefits due to pre-existing medical conditions, with a 25% co-payment applying for trip cancellation, postponement, shortening and disruption claims.
Yes. Enhanced PreX Travel Insurance includes up to $300,000 coverage for overseas medical expenses and emergency medical evacuation due to pre-existing medical conditions.
You will not be required to purchase an Enhanced PreX plan to be covered for your family member or travelling companion’s pre-existing medical condition. You can purchase an Enhanced PreX Superior or Prestige plan if you have a pre-existing medical condition and you want to be covered for travel inconveniences such as being forced to cancel your trip due to your pre-existing medical condition.
You can purchase a Per-trip policy before your trip or even up to one day after departure from Singapore, which provides flexibility for last-minute travel planning.
Alternatively, we also offer FlexiTravel Plus Travel Insurance for those on a short getaway in Asia for one to fourteen days.
Enhanced PreX Travel Insurance covers up to 60 days per trip for Per-trip plans and up to 90 days per trip for Yearly plans, depending on the policy selected.
No health declarations are required during the application process, making it easier for you to obtain coverage, even if you have pre-existing medical conditions.
Enhanced PreX covers a range of pre-existing medical conditions such as diabetes, heart conditions, high blood pressure, asthma, eczema and more.
Yes, Enhanced PreX Travel Insurance is suitable for travellers managing ongoing or chronic medical conditions, with coverage designed to address complications that may arise during your trip.
You can receive up to $300,000 in overseas medical expenses and emergency medical evacuation coverage due to pre-existing conditions, depending on your plan.
Yes, coverage limits for pre-existing conditions are subject to plan-specific caps and may vary by age group, as outlined in the policy table of benefits.
Yes, you can access complimentary overseas tele-consultation services for minor ailments that do not require urgent medical attention.
Yes, trip cancellation due to pre-existing medical conditions may be covered, subject to policy terms and applicable limits.
You may be covered for postponement or trip shortening, including certain prepaid expenses, depending on the plan selected and claim conditions.
Enhanced PreX Prestige includes Cancel for Any Reason coverage, allowing you to cancel, postpone or shorten your trip for personal reasons, subject to co-payment and policy terms.
Some claims, particularly those related to pre-existing conditions or “cancel for any reason” scenarios, may involve a co-payment depending on the plan tier.
Your coverage period will be automatically extended up to a maximum of 14 days while you are overseas, at no extra cost if:
- the public transport you are travelling on to return to Singapore is delayed and you cannot complete your trip when the policy ends, and you are not the cause of the delay; or
- you are hospitalized overseas as advised by a medical practitioner.
Yes, emergency medical evacuation is covered as part of overseas medical protection, with limits depending on your selected plan.
You can access emergency assistance services, including medical support and coordination, to help manage situations while overseas.
Yes. Coverage includes arrangements and costs associated with sending you back to Singapore if medically necessary, within policy limits.
Compassionate visit benefits may cover travel and accommodation expenses for a family member to visit you, subject to limits under your plan.
Enhanced PreX Travel Insurance includes personal accident benefits, providing financial support in the event of accidental injury or death during your trip.
Understand the details
*Survey by NielsenIQ (2023-2025) with 1,700 travel insurance policyholders annually.
[1]Based on Income’s Enhanced PreX Prestige plan, for an adult under 70 years old. Limit for claims due to pre-existing medical conditions are combined for Medical Expenses Overseas, Emergency Medical Evacuation and Repatriation. We do not cover claims arising from a pre-existing medical condition where you have been given a terminal prognosis with a life expectancy of under 12 months. Please refer to policy conditions for the precise definition of pre-existing medical conditions.
[2]Based on Income’s Enhanced PreX Prestige plan, for an adult under 70 years old. For trip cancellation and trip shortening under Enhanced PreX Superior and Prestige plans, 25% co-payment and the applicable sub-limits for other unused prepaid expenses, will apply for claims as a result of pre-existing medical conditions.
[3]The Service is provided by Income Insurance’s appointed emergency assistance provider who is responsible for the Service to you. Income Insurance shall not be responsible nor liable to you or any party in connection with the Service. You will not be eligible to utilise this Service if you cancel your existing/in-force travel insurance policy. Income Insurance may from time to time change the service provider or discontinue this service without prior notice. Income Insurance is not responsible for the consequences as a result of or in connection with the Service, including any delay in the provision of the Service.
Terms and conditions apply. You can find the full terms and conditions at www.income.com.sg/travel-telemed.
[4]50% co-payment and the applicable sub-limits for other unused prepaid expenses will apply. Claims arising from the insured person or the policyholder cancelling/postponing/shortening and making changes to their transport, accommodation or any other service provider arrangements within 30 days from the date this policy was taken up will be excluded. This exclusion is waived when your yearly plan is renewed successfully. Other terms and conditions apply. Please refer to the policy conditions for full details.
[5]This policy does not cover claims for loss or liability directly or indirectly caused by or arising from extreme sports which involve speed, height, danger, a high level of physical exertion, highly specialized gear or spectacular stunts, whether they are played competitively or non-competitively, in a team or individually. Adventurous activity means any recreational activity commonly available to the public that is done overseas during your trip for leisure or as part of the tour and which:
- is undertaken while complying with all safety procedures, such as wearing safety equipment and following rules and regulations; whether specifically advised or generally expected of a reasonable person,
- where guidance and supervision of licensed guides or instructors are available, the recreational activity must be carried out under the guidance and supervision of licensed guides or instructors of the tour operator or activity provider, and
- is not excluded under the general exclusions listed in part 4 of the general conditions of the policy.
[6]Family cover provides coverage for 1 or 2 adults who are spouses or partners at the time of purchase and any number of their children as long as:
- Adult(s) is 16 years and above and is the parent or legal guardian of the children
- Child(ren) is below 21 years old and is the biological or legally adopted child(ren) or ward of the adult named under the policy
- Adult(s) and child(ren) must be insured under the same policy
- Adult(s) and child(ren) must travel together if they are insured under single trip plans (not applicable for yearly plans).
[7]You must be insured under your existing yearly plan policy for at least 12 months and successfully renew your policy to be continuously insured for another 12 months. You will be notified in your policy document of your entitlement to the Travel Renewal Bonus upon successful renewal of your policy.
[8]Subject to policy terms and conditions. Claims processing depends on eligibility and processing timelines may vary.
There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.
This is for general information only and does not constitute an offer, recommendation, solicitation or advice to buy or sell any product(s). You can find the usual terms, conditions and exclusions of this policy at income.com.sg/travel-policy-conditions.pdf. All our products are developed to benefit our customers, but not all may be suitable for your specific needs. If you are unsure if this product is suitable for you, we strongly encourage you to speak to a qualified insurance advisor. Otherwise, you may end up buying a product that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income Insurance or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
Information is correct as at 21 May 2026 (SGT).
Learn more about Enhanced PreX Travel Insurance
Learn everything you need to know about travelling with medical conditions like asthma or diabetes & how to choose the right travel insurance plan that covers it.
Discover how travellers with chronic conditions can prepare for emergencies, navigate different healthcare systems & access medical care abroad confidently.
With pre-existing conditions, protecting your finances is critical. Here’s how you can do that.
Let us help you
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