Regardless of the travel insurance policy that you choose for your overseas trip to Singapore, one important benefit we include with all our international policies is the Overseas Emergency Medical and Hospital Expenses benefit. Since Australia doesn’t have a Reciprocal Health Care Agreement with Singapore, you’ll likely be responsible for all your medical expenses if you unexpectedly fall sick or are injured while travelling in Singapore. Having cover for these unexpected medical situations during your travels can potentially save you thousands of dollars.
This benefit provides some protection against the financial burden of unexpected medical emergencies that can happen on your trip to Singapore, from food poisoning, treatment for a broken bone or emergency surgery for appendicitis. You should be aware that cover isn’t available for all medical expenses, and some of these include (but are not limited to):
•medical emergencies related to your existing medical conditions which aren’t listed as covered on your certificate of insurance,
•planned medical procedures or other non-emergency medical treatments,
• routine medical or dental check-ups,
•injuries sustained from your participation in sport or leisure activities covered under the Adventure Pack or snow sports unless you’ve purchased additional cover for them, and
•your medical expenses once you’ve returned to Australia,
so it’s important to review your policy to understand what is and isn't covered while you're in Singapore and the terms and conditions that apply.
You can apply for cover for your existing medical conditions and any changes in health and/or new medical conditions you may develop before you leave for Singapore through a medical screening. Find out more about what we consider to be a medical condition and how you can apply for cover in our Travel Insurance for Existing Medical Conditions page.
As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.
Any advice is general advice only and does not take into account your individual objectives, financial situation or needs. Consider the PDS as eligibility criteria, policy terms, conditions, exclusions and limits apply.