Make clear whether travel insurance covers pre-existing conditions

I read Mr Bernard Ng Hak Jeng's letter (Watch out for clause on pre-existing conditions; May 13) with interest, and believe that the solution lies in the hands of the General Insurance Association of Singapore (GIA) and the Monetary Authority of Singapore (MAS).

Many travel insurance policies do not cover pre-existing medical conditions and pre-existing diagnosed medical conditions.

To allay the concerns, negativity and public outcry on this matter, it is important for GIA and MAS to make it compulsory for all insurance companies to highlight these salient and key features in their travel insurance certificates:

•the pre-existing medical condition benefit or the exclusion clause;

•the pre-existing diagnosed medical condition exclusion clause or otherwise;

•the per trip length limit, as some allow 30 days or 90 days of coverage; and the conditions for the insured to apply for an extension of coverage; and

•the relevant clauses in the policy's main pages of the terms and conditions with respect to the above.

Tan Kok Tim

A version of this article appeared in the print edition of The Straits Times on May 17, 2017, with the headline 'Make clear whether travel insurance covers pre-existing conditions'. Print Edition | Subscribe