Guide to New Travel Measures & Travel Insurance in 2023

travel insurance

COVID-19 restrictions changes

The Ministry of Health announced on 13 February 2023 that vaccination proof is no longer a requirement to enter Singapore. With this positive shift towards living with COVID-19, Non-COVID-19 vaccinated travelers no longer needed negative pre-departure test results to enter Singapore. 

MOH views COVID-19 as a more stable, improved situation, highlighting how Singapore has a sturdy healthcare system and a high vaccination rate. There are quite a few changes are directed towards general travel. You can travel freely without a face mask in public transport and uninstall TraceTogether and SafeEntry, as the apps are being stepped down.

While it’s thrilling to live normally again, as we get ready to book our plane tickets, we mustn’t forget that the COVID-19 still exists and protect ourselves with travel insurance!

What do you need to do to enter Singapore?

According to the ICA website, effective February 13, 2023, all COVID-19 measures for travelers arriving in Singapore have been lifted. This is irrespective of their vaccination status or traveler profile. However, travelers are still required to meet general entry requirements. All travellers must:

  • Have a passport with at least 6 months validity
  • Fulfil their visa requirements
  • Complete the online SG Arrival Card or SGAC

Countries and regions now fall under two classification categories: general travel or restricted. The daily quotas on the daily number of arrivals no longer apply.

Travellers entering will no longer need to book for designated VTL transport or apply for entry approvals – it is now quarantine-free.

The exceptions – Permanent residents, long-rerm pass and work pass holders

For travellers who fall under these categories, their COVID-19 vaccinations must be up-to-date.

Paying for COVID-19 treatment in Singapore

Under the new vaccinated travel framework, there have been changes to the charging policies for vaccinated travellers.

With effect from 1 April 2023, a PR, Long-Term Pass holder or Work Pass holder who recently recovered from COVID-19 will no longer be temporarily exempt from COVID-19 vaccine requirements. 

Fully vaccinated Singaporeans and long-term pass-holders also will need to pay partially subsidised medical bills for COVID-19 treatment if they develop symptoms or test positive for the illness.

Unfortunately, travellers who are not fully vaccinated will still be required to cover their own COVID-19 treatment. The charging policy for unvaccinated individuals who contract COVID-19 in the community will apply to them.

Stay protected during our travels using travel insurance 

A vacation is an investment in your happiness. When we go on vacation, we would certainly want to create happy memories, however, travelling post-pandemic can get complicated. Things like flight cancellations, delays, or even getting infected with COVID-19 could affect your travel plans and put a dent in your expenses. To protect yourself from unexpected events, remember to purchase travel insurance so that you don’t have to worry about your plans being disrupted if there is any worsening of the COVID-19 situation!

MSIG TravelEasy travel insurance plans

MSIG offers a range of travel insurance plans with different pricing to suit the needs of different travellers. The MSIG TravelEasy plan includes COVID-19 coverage for overseas medical expenses and travel inconveniences at no additional charge. The purchase process is also straightforward, you will instantly receive your policy documents immediately upon payment. 

MSIG TravelEasy plan includes three different price tiers, each with a different lcoverage level. The Standard plan caters to budget-conscious travellers, while Elite and Premier plans cater to travellers who are looking for a more comprehensive coverage.

All plans under MSIG TravelEasy include coverage for medical expenses incurred overseas as well as in Singapore (within 72 hours of return). Not only do the plans include hospitalisation benefits, they also have emergency dental services, and even treatment by TCM practitioners. 

MSIG also recognises the needs of travellers with pre-existing conditions. The TravelEasy Pre-Ex plan includes all the benefits of the TravelEasy plan with additional medical coverage for pre-existing conditions. However, it covers up to 30 days of the trip. It does not support trip inconvenience benefit claims (such as trip cancellations) due to pre-existing conditions. 

MSIG TravelEasy COVID-19 Coverage Travel Insurance

MSIG TravelEasy provides COVID-19 coverage at no additional premium. You will be covered for any medical expenses incurred overseas due to COVID-19. This includes reimbursement for your trip’s postponement or cancellation.

These are the COVID-19 coverage amounts for the three plans:

COVID-19 Benefits Standard Elite Premier
Overseas Medical Expenses Up to $75,000 Up to $150,000 Up to $250,000
Emergency Medical Evacuation Up to $1 mil Up to $1 mil Up to $1 mil
Overseas Daily Quarantine Benefit Yes Yes Yes
Trip Cancellation $3,000 $4,000 $5,000
Trip Postponement $500 $1,000 $1,500

Lifestyle cover

For comprehensive coverage, choose the MSIG TravelEasy Elite and Premier plans. These plans include lifestyle cover. They are suitable for those travelling for specific purposes like for sporting activities or a wedding shoot.

Here is the list of activities with coverage:

Lifestyle Cover** Coverage by MSIG TravelEasy Elite   Coverage by MSIG TravelEasy Premier 
Adventurous activities  Yes  Yes
Golfer’s cover Up to $1,000 Up to $1,500
Unused entertainment ticket  $300 $500
Rental Vehicle Excess $1,000 $1,500
Returning a Rental Vehicle $500 $750
Home Contents $10,000 $15,000
Domestic Pet Care $50 per day, max $500 $75 per day, max $750

**For details as to what is covered and what are excluded, please refer to MSIG TravelEasy’s policy document.

Making a claim on your travel insurance

By purchasing with AMTD PolicyPal Group, you can simplify your claims process. If you need to make a claim on your travel insurance, just prepare your supporting documents and contact us through our email [email protected] or our live chat. We’ll assist in pre-filling the travel claims form with the information that you provided, expediting your claims submission.

Typically, the supporting documents can include:

  • An official quarantine order
  • A doctor’s letter
  • Medical expenses related invoices
  • Flight postponement/cancellation letter or email

The general advisory by the local government authorities to self-isolate for a duration is not deemed a Quarantine Order.

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Protected up to specified limits by SDIC. This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future financial needs. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.

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