If I suffer from some medical illnesses and physical conditions, will I be able to claim for the medical, hospital and other related expenses if I should require treatment during my trip?
No. This policy will not cover expenses incurred directly or indirectly caused by or arising from any pre-existing conditions whereby you have prior knowledge of before commencement of the policy or which existed or developed symptoms within the 12 months prior to the commencement of each journey or trip.
Upon my return to Singapore, can I still carry on with my medical treatment for an illness or injury sustained overseas?
Yes. You may seek reimbursement for Medical Expenses necessarily incurred when you return to Singapore for follow-up treatment up to maximum thirty-one (31) days from the date of your return for continuing medical treatment thereafter, subject to the limits of the policy.
If I am travelling overseas to seek medical treatment, can I take up the travel insurance policy?
Yes, you may take up the travel insurance policy. However, the intended medical expenses are not claimable.
If I was ill overseas but did not seek medical treatment, can I do so upon my return to Singapore?
Yes, as long as the medical treatment was sought within three (3) days from date of your return and up to maximum thirty-one (31) days for continuing medical treatment thereafter, subject to the limits of the policy.
Can I seek treatment from Chinese Physicians & Chiropractor?
Yes, expenses incurred for such treatment are subject to S$ 50 per visit and maximum of S$300 per Insured Person per trip.
Are dental expenses covered?
The policy covers cost of dental treatment where such treatment is necessary to restore sound and natural teeth caused by an Accident necessarily incurred by you during the Journey subject to the limits of the policy. It does not include any damage to dentures, dental prostheses, bridges, crowns and treatment involving the use of precious metals or for cosmetic dentistry.
I am pregnant. Will I be covered overseas for any pregnancy-related matters?
Miscarriage caused by accidental falling with external injury or by traffic accident is covered, subject to the limits of the policy. Medical Evacuation & Repatriation due to pregnancy-related complications is covered. All other pregnancy-related issues will not be covered.
What does the policy cover if one travels to a SARS / Bird Flu affected country?
TravelJoy covers the medical expenses & hospitalisation allowance if one contracted SARS or Bird Flu at the country they travelled to, provided that the trip has already commenced prior to any travel advisory warnings or statements issued by any government authorities against travelling to that country. The policy does not cover death due to SARS or Bird Flu ,as the Personal Accident section covers only death caused by Accidents excluding any medical conditions.