Guide To New Travel Measures & Travel Insurance

Changi Airport Departure Singapore

COVID-19 Restrictions Changes

As a large majority of our population are fully vaccinated, this puts Singapore in a good position to loosen its COVID-19 restrictions cautiously.

In a move toward living with COVID-19, on 24 March 2022, Prime Minister Lee Hsien Loong announced a number of changes to the current COVID-19 restrictions.

Quite a few changes are directed towards general travel, which Singaporeans are no doubt the most excited about since we have not been able to travel freely for almost 2 years. Of course, as we get ready to book our plane tickets, we mustn’t forget that the pandemic is still evolving and protect ourselves with travel insurance!

Removal of Vaccinated Travel Lanes

With effect from April 1, Singapore will be reopening its borders to all fully vaccinated travellers.

Transitioning into the new Vaccinated Travel Framework, existing Vaccinated Travel Lanes (VTLs) will be removed. From now on, countries and regions will now be classified under two categories, the general travel or the restricted category. Furthermore, the daily quotas on the daily number of arrivals will be removed.

As such, travellers who wish to enter Singapore quarantine-free will now no longer need to book for designated VTL transport or apply for entry approvals.

Under the new Vaccinated Travel framework, all fully vaccinated travellers including those aged 12 and below will be able to enter Singapore simply with just a negative pre-departure test from 11.59 pm on March 31 from the approved providers. They will also no longer be required to take an on-arrival COVID-19 test and serve a Stay-Home Notice (SHN).

The pre-departure test for COVID-19 can be any of the following:

  1. COVID-19 Polymerase Chain Reaction test (PCR test) at an internationally accredited or recognised lab/clinic/medical facility; OR
  2. Antigen Rapid Test (ART) that is:
    1. Administered by a trained professional; OR
    2. [Singapore Citizens, PRs and Long-Term Pass Holders (including In-Principle Approval holders) only] Self-administered Antigen Rapid Test (ART) remotely supervised by an approved ART provider in Singapore

The Exceptions

For travellers who fall under the following categories – long-term pass holders and unvaccinated short-term visitors aged 13 and above – they will not be allowed to enter Singapore.

However, there are a few exceptions:

  • Long-term pass-holders who are medically ineligible for vaccines
  • Travellers with a valid entry approval such as compassionate reasons

For travellers eligible for the above exceptions, they will need to

  • Take a pre-departure test within 2 days before their departure for Singapore
  • Serve a seven-day SHN
  • Take a Polymerase Chain Reaction (PCR) test after their isolation period.

Paying for COVID-19 Treatment

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

Fully vaccinated Singaporeans and long-term pass-holders will not need to pay for their medical bills for COVID-19 treatment should they develop symptoms or test positive for COVID-19 within 14 days of arriving in Singapore.

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.

Lastly, for those who are travelling to countries and regions under the restricted category, they will have to cover their COVID-19 treatment should they develop symptoms or test positive for COVID-19 within seven days of arriving in Singapore.

Stay Protected During Your 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 during a 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!

PolicyPalFA Travel Insurance PromoAirplane in Sky

In light of the easing of travel restrictions, PolicyPalFA by Baoxianbaobao Pte Ltd has provided an exclusive promotion for PolicyPal users who are looking to get travel insurance

Promotion: $8 OFF* Travel Insurance Plan purchased through PolicyPalFA excluding NTUC Travel Insurance Plan (Min. net premium of $100)

Expires on 31 August 2022 at 23:59 PM.
*Terms and conditions apply.

Purchase here!

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

Summary of Travel Insurance Plans

MSIG TravelEasy plan includes 3 different price tiers each with a different level of coverage. The cheapest one is the Standard plan which caters to budget-conscious travellers, while the Elite and Premier plans cater to travellers who are looking for more comprehensive coverage.

All plans under MSIG TravelEasy are inclusive of 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 via their new TravelEasy Pre-Ex plans. The TravelEasy Pre-Ex plan includes all the benefits of the TravelEasy plan along with medical coverage for pre-existing conditions. However, the limitation of the plan is that they only cover up to 30 days of the trip, and you will not be able to file a claim for trip inconvenience benefits, such as trip cancellations, due to pre-existing conditions. 

MSIG TravelEasy COVID-19 Coverage Travel Insurance

As mentioned previously, MSIG TravelEasy also provides COVID-19 coverage at no additional premium. Therefore, you will be covered for any medical expenses incurred overseas due to COVID-19, and even provides reimbursement for any postponement or cancellations due to the pandemic, according to the plan you choose. These are the COVID-19 coverage amounts for the 3 different plans:

COVID-19 Benefits Standard Elite Premier
Overseas Medical Expenses Up to $65,000 Up to $130,000 Up to $200,000
Emergency Medical Evacuation Up to $65,000 Up to $130,000 Up to $200,000
Overseas Quarantine Allowance N.A N.A N.A
Trip Cancellation $1,000 $2,000 $3,000
Trip Postponement $1,000 $2,000 $3,000

Lifestyle Cover**

For more comprehensive coverage, you can choose to get the MSIG TravelEasy Elite and Premier plans. These plans are inclusive of lifestyle cover so they are suitable for those who are travelling for specific purposes, such as taking part in sporting activities or travelling for a wedding shoot.
Here is the list of activities that are covered:

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 PolicyPalFA, you will also simplify the process of making a claim. If you encounter any inconveniences and need to make a claim on your travel insurance, you can just prepare any supporting documents and contact us through our email [email protected] or our live chat. We will assist in pre-filling the travel claims form with the information that you have already provided us, and expedite the submission of your claims.

Typically, the supporting documents that are required include, and are not limited to:
Obtaining an official quarantine order
A doctor’s letter
Medical expenses related invoices
Flight postponement/cancellation letter or email

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

PolicyPal Credits Cashback

When you purchase travel insurance through PolicyPalFA, you will also receive a 5% cashback in PolicyPal credits which you can use to offset the premiums for your next plan. Subsequently, we will also save your details securely, and cut your time by half the next time you purchase another policy with us. 

Alternatively, if you are looking for COVID-19 Travel Insurance from other insurers, we provide quotes from our 10 partnered insurers.

Cashback promotion email photo

The article Every Singaporean’s Guide To The COVID-19 Restrictions Changes That’ll Take Place on 29 Mar originally appeared on ValueChampion. 

More From ValueChampion:

COVID-19 Coverage in Travel Insurance: Do You Really Need It?

How to Pick the Best Travel Insurance

Will Travel Insurance Help if You’re Stranded Overseas

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