Extreme thrill seekers may want to go for a more lenient insurance provider

The good news is that NTUC travel insurance does offer generally good coverage all around and if you’re going to Japan to see cherry blossoms or to Seoul to catch your favourite K-pop group for instance, the classic plan is more than adequate. On the other hand, NTUC does not cover a whole lot of adventurous activities. Common vacation activities like scuba diving and skiing are covered, but extreme thrill seekers may want to go for a more lenient insurance provider.

Products mentioned by this review

NTUC Income Enhanced PreX Classic

NTUC Income Enhanced PreX Classic provides a policy that covers pre-existing medical conditions that way, it should not hinder travelling. That is why they provide cover to persons with pre existing medical conditions. This also applies to the NTUC Income Enhanced PreX Deluxe and Preferred.

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Providers mentioned by this review

NTUC Income Insurance

NTUC Income, established in 1970 is the unequaled insurance co-operative based in Singapore. It was constituted with a sole purpose to make essential insurance accessible all throughout Singapore and is presently the preeminent conglomerate insurer providing life, health, and general insurance. NTUC Income believes in devising its policies to be user-friendly by making them easy to understand using plain English and is committed to instilling knowledge in its customers about how to invest their savings in order for a bright future. NTUC Income endeavors to make insurance services available to every segment of the community. NTUC Income has a widespread network of insightful financial advisers and partners providing value-added financial advisory that complements the present day's continuously evolving digital-first landscape, offering insurance products and services that serve to safeguard savings and investment requirements of the customers in a specialized manner so it caters to every person in his particular stage of life.

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Cover pre-existing medical conditions, such as asthma, eczema, diabetes and high blood pressure

NTUC Income is one of just two insurers in Singapore that provide comprehensive travel insurance plans that cover pre-existing medical conditions, such as asthma, eczema, diabetes, high blood pressure, even heart disease. The obvious difference between a PreX plan and a regular plan is price. The cheapest NTUC Enhanced PreX plan costs over twice the price of a regular basic plan so for those who have major health problems, you don’t have much of a choice. There’s no point buying a cheap normal insurance with no coverage, because you won’t be able to claim medical expenses, evacuation costs or travel delays linked to a flare-up of your condition. It is especially worth the money if your condition is either life-threatening or very expensive to treat overseas.

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Affrordable regular travel insurance plans

NTUC travel insurance isn’t exactly the cheapest plan, but their regular travel insurance plans are very affordable especially when there’s a promotion going on. If you have a pre-existing medical condition,NTUC Enhanced PreX is one of the very few travel insurance options for you. It is pricey for sure, but probably worth the money if you have a life-threatening condition like asthma or heart disease. Make sure that the plan is sufficient to cover your overseas expenses and or evacuation.

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