Extreme sports
Certain activities that insurers consider ‘risky’ might not be covered under your standard policy. For example, if you have plans to go scuba-diving, you might need to consider a scuba-diving add-on.
Any incidents involving drugs or alcohol
If illness, injury or death happens because you’re under the influence of either of these substances, your insurer won't cover you.
Travelling against FCDO advice
If the government advises against travel to all of Singapore or a part of it, but you go anyway. In this situation, your policy wouldn't be valid.
Claims against undeclared pre-existing medical conditions
Insurers can cover pre-existing medical conditions. But, you'll need to make them aware when buying the policy. If you don't and need treatment for it, you won't be covered.