How do I pay for my OCBC credit card bill in Singapore?

In Singapore, there are several ways to pay your OCBC credit card bill. These include: FAST: You can pay your credit card bill instantly through other participating banks in Singapore via FAST (Fast And Secure Transfers). Other banks include DBS, POSB, UOB, Citibank and Standard Chartered. Internet Banking: You can pay your credit card bill through the OCBC Internet Banking portal which allows you to securely view your account details, pay bills, and transfer funds. OCBC Mobile Banking: You can pay your credit card bill, complete fund transfers, check your account details and more via the OCBC Mobile Banking App on your smartphone. AXS: With AXS, you have the convenience and flexibility of paying your OCBC credit card bill anywhere, anytime. Regardless of the method you choose, be sure to pay your bill on time to avoid late fees and maintain a good credit score. You can also schedule recurring payments to ensure that your bills are paid on time every month.

How can I check my OCBC credit card bill or statement in Singapore?

You can check your OCBC credit card bill or statement via the OCBC Internet Banking portal or the OCBC Mobile Banking app. You can also sign up for the OCBC Mobile Push Notification service to receive notifications or alerts when specific transactions on your accounts or credit cards are made. Do check your credit card bill or statement regularly to ensure that your credit card transactions are correct.

How do I waive my OCBC credit card annual fee?

Customers can contact OCBCs customer service department to request for a credit card annual fee waiver. Alternatively, cardholders can also request for an annual fee waiver through the OCBC Internet Banking portal or the OCBC Mobile Banking app.It's important to note that fee waivers are generally granted on a case-by-case basis and not all fee waivers will be granted.

How do I cancel my OCBC credit card?

If you need to cancel your OCBC credit card, you can do so by contacting the bank directly. You can make a request over the phone or by visiting a bank branch. It's important to note that you may be responsible for any outstanding balance or fees on your credit card.

What is the highest credit card limit for OCBC?

The highest credit card limit offered by OCBC in Singapore is between 4 to 6 times your annual income, but this can vary depending on the individual's credit profile.It is important to note that the credit card limit offered by OCBC may vary depending on the individual's creditworthiness, income and other factors, and it's always best to check with OCBC for the most current information and the terms and conditions that apply.It is important to remember that having a high credit limit does not necessarily mean you should use the entire limit, it's always best to use credit responsibly and within your means.

How do I increase my OCBC credit card limit?

Cardholders can increase their OCBC credit card limit by downloading and completing a Credit Limit Review Form from OCBC. The completed form has to be submitted either through standard mail or uploaded online with the necessary documents to qualify for a credit card review.

How do I activate my OCBC credit card in Singapore?

OCBC cardholders in Singapore can activate their OCBC credit card via the OCBC Internet Banking portal, the OCBC Mobile Banking app, or through SMS.The steps to activate your OCBC credit card will vary depending on the credit card activation method that you have chosen.

How do I activate my OCBC credit card for overseas use?

OCBC cardholders who are travelling can activate their OCBC credit card for overseas use via the OCBC Internet Banking portal, the OCBC Mobile Banking app, or through SMS.The steps to activate your OCBC credit card for overseas use will vary depending on the activation method that you have chosen.

What is OCBC PayLite?

OCBC PayLite is a service offered by OCBC that allows you to enjoy interest-free monthly instalments on your credit card purchases. With OCBC PayLite, you can spread the cost of your purchases over 3 to 12 months without incurring any interest charges.Whether you're making a big purchase or just need some extra time to pay, OCBC PayLite offers a convenient and affordable way to pay.Please note that a 3-5% processing fee will apply and only purchases above S$100 are eligible for OCBC PayLite.

Best Travel Insurance With Pre Existing Medical Conditions

No trip abroad is complete without securing the best travel insurance coverage for yourself (and your companions, if any). Travel insurance is a handy, cost-efficient way to ensure your ability to afford medical treatment should an illness, accident or emergency occur while overseas. A comprehensive travel insurance plan will safeguard you from more unfortunate mishaps and trip inconveniences like trip delays, cancellations, baggage delays/loss, and more.

However, travel insurance, by default, will not cover pre-existing conditions. So, should a diabetes patient require an untimely trip to the emergency room while visiting another country, they will have to foot the full hospital bill—straight out of their pocket.

As you can imagine, this can be expensive, especially considering a visitor in a foreign land like yourself will not be able to access any subsidies offered by that country.

Thankfully, insurers have launched travel insurance plans with coverage for pre-existing conditions, helping people with long-term health conditions travel with affordable insurance coverage.

The best part? You can get travel insurance discounts in Singapore quite easily these days. Get the most bang for your buck and check out these exclusive travel insurance promotions found only with us on SingSaver!

What Are Pre-Existing Conditions?

A pre-existing condition for travel insurance refers to any injury, illness or medical condition that resulted in you needing to seek treatment, experiencing symptoms or taking medication.

Examples of pre-existing conditions usually include cancer, stroke, heart conditions, asthma, epilepsy, diabetes, high blood pressure and more, not limited to this list.

However, not all travel insurances offer coverage for pre-existing conditions—some limit the pre-existing conditions they cover to a small selection. It's best to check the travel insurance policy document before purchasing.

When a travel insurance plan covers you for your pre-existing conditions, this means that any medical expenses you incur because of your ailments will be covered, though usually, the coverage has a sub-limit of how much you can claim.

Some travel insurance companies will also allow you to submit a claim for any travel disruptions due to pre-existing conditions, while others will require a co-payment.

How Are Pre-Existing Conditions Determined?

While most of us understand pre-existing conditions as simply having a medical condition before purchasing your insurance, the fact of the matter is that there are several factors that insurance companies refer to when determining a pre-existing condition.

A pre-existing condition can refer to any injury, illness, disease, sickness, medical condition, or symptom:

that has been diagnosed prior to the commencement of your policy
that has been treated, or advised to be treated, prior to the commencement of your policy
that has been investigated, or advised to be investigated, prior to commencement of the policy
for which a patient has been given medication, or advised to have medication, prior to commencement of the policy
for which a patient has symptoms that manifested prior to commencement of policy
for which a patient has been hospitalised, or advised to be hospitalised, prior to commencement of the policy
that has been known to exist prior to commencement of the policy

that has a strong medical indication that it originated prior to the commencement of the policy, e.g. size of a tumour or stage of cancer

Examples of Pre-Existing Conditions

Broad Categories	Indicative examples (not exhaustive)
Cancer	Lung cancer, colorectal cancer, breast cancer, stomach cancer
Blood disorders	Aplastic Anaemia, Thalassemia Major
Degenerative diseases	Parkinson’s Disease, Muscular Dystrophy, Amyotrophic Lateral Sclerosis (ALS)
Heart or other circulator system diseases	Heart attack, Coronary artery disease, Chronic ischaemic heart disease
Cerebrovascular diseases	Stroke
Respiratory diseases	Chronic obstructive pulmonary disease
Liver diseases	Alcoholic liver disease , Chronic hepatitis, Fibrosis or cirrhosis of liver
Autoimmune / Immune System disease	Systemic lupus erythematosus, Human Immunodeficiency Virus/ Acquired Immune Deficiency Syndrome (HIV/ AIDS)
Renal diseases	Chronic renal disease, Chronic renal failure, Chronic nephritic syndrome
Serious congenital conditions	Congenital heart disease, Congenital renal disease, Biliary atresia
Psychiatric conditions	Schizophrenia
Chronic conditions with serious complications	Hypertensive heart disease, Hypertensive kidney disease, Diabetes with kidney complications, Diabetes with eye complications

Product	Highlights	Premium	Buy
Tiq Travel Pre-Ex Entry - Asean	- Covers all pre-existing medical conditions - No upper age limit - Covers single trips, up to 30 days each	From S$93
MSIG Standard Pre-Ex Plan (For Pre-existing Conditions)	- Covers all pre-existing medical conditions - No co-payment or excess for medical bills due to acute onset of pre-existing conditions - No upper age limit	From S$64

TIQ Travel Insurance Pre-Ex Plan

While TIQ's travel insurance policy does not offer a separate plan for pre-existing conditions, you will have the option to indicate if you or your travel buddies have pre-existing medical conditions before applying.

TIQ also covers all pre-existing conditions like diabetes, stroke, cancer, asthma, epilepsy, eczema and more, as long as your illness is stable and under control. Similar to MSIG's pre-ex plan, TIQ's pre-ex plan does not cover COVID-19 as well.

They offer three plan tiers — Entry, Savvy and Luxury, with the Luxury plan offering the highest coverage.

If you opt for the Luxury plan, you'll receive coverage of up to S$1,000,000 for overseas medical expenses, with a sub-limit of up to S$150,000 for your pre-existing conditions (adults below 70). Adults above 70 will receive up to S$75,000 coverage, with a submit of S$50,000 for pre-existing ailments.

There's also overseas hospital income if you need to be hospitalised, allowing you to claim up to S$200 for every 24 hours, up to S$20,000. The pre-ex sublimit is capped at the same amount.

With a comprehensive coverage at relatively low premium after discounts, TIQ easily becomes one of the most affordable travel insurance policies in the market.

MSIG TravelEasy Pre-Ex Travel Insurance

One of the best plans to get if you have pre-existing conditions is the MSIG Pre-Ex travel insurance plan because it covers all pre-existing conditions, offers high coverage, and has no age upper limit.

Some pre-existing conditions they cover include asthma, high blood pressure, diabetes, heart conditions, stroke, cancer, lupus and more. However, do note that the plan does not cover terminal illness, HIV, sexually-transmitted diseases, pregnancy and its related conditions, and mental illness.

They offer three plan tiers — Standard, Elite, Premier. Do note that their pre-ex plans do not cover for COVID-19.

For the Pre-Ex Premier plan, you'll get overseas medical coverage of up to S$1,000,000 for adults below 70, with a sub-limit of S$150,000 for pre-existing conditions.

For emergency medical evacuation and repatriation, the coverage is at S$1,000,000 for all plans, with a sub-limit of up to S$200,000 if its due to pre-existing conditions. This means that under the Pre-Ex Critical Care, you'll get up to S$350,000 coverage for the Premier plan.

The plan also offers coverage for mobility aid reimbursement of up to S$5,000 for adults, and even maternity medical expenses overseas of up to S$3,000.

NTUC Income Enhanced PreX

NTUC Income Enhanced PreX does things a bit differently from the other two. On its own, it also features a different scope of coverage as compared to other NTUC travel insurance policies. There are four sections that require co-payments of claims if it's due to your pre-existing conditions — cancelling your trip, postponing your trip, shortening your trip and trip disruption all require a 50% co-payment by the insurer.

But as with the other claims, there is no co-payment involved.

There are three tiers — Basic, Superior and Prestige. Getting a Prestige plan will entitle you to up to S$500,000 for adults under 70 with a sublimit of S$100,000 for pre-existing conditions, and up to S$300,000 for adults over 70 with a sublimit of S$150,000.

The same sublimits apply for emergency medical evacuation and repartriation.

The travel insurance plan offers overseas hospitalisation allowance of S$200 for every 24 hours up to S$20,000 and a sublimit of S$100 for every 24 hours up to S$3,000.

Things to Note About Pre-Ex (Pre-Existing Conditions) Travel Insurance Policies

Before you set off on your next solo trip or group adventure, make sure you’re fully aware of the coverage your Pre-Ex Travel Insurance Policy covers. Not all policies are created equal, and knowing the specifics can save you a lot of headaches. Dive into the details to ensure your peace of mind as you travel.

1. Pre-Ex Travel Insurance Policy Coverage

Coverage for pre-existing conditions in travel insurance plans mainly covers four areas: overseas medical expenses, hospitalisation cash, emergency medical evacuation and repatriation of mortal remains.

Unless otherwise specified, the other benefits included in your travel plan will not apply when you need to make a claim due to a pre-existing condition.

As an example, if you need to cancel your trip due to a particularly bad eczema flare-up, you may not be able to get a refund for your plane tickets or pre-ordered attraction tickets, even if your travel insurance plan offers trip cancellation benefits. Learn more about how you can proceed if your travel insurance for flight delays and other unexpected hiccups.

You will only be able to receive reimbursement if your plan specifically allows it, as is the case with NTUC Income Enhanced PreX, highlighted above.

2. You Cannot Use Them To Seek Medical Treatment Overseas

Remember, your Pre-Ex Travel Insurance Policy should only be used in emergencies that arise as a result of your medical conditions. Pre-ex travel policies will only cover your medical expenses in case of a medical emergency arising from a pre-existing condition. Most, if not all, travel insurance policies that cover pre-existing conditions do not—and will not—cover planned medical treatments.

However, if you choose to go for treatment overseas, your pre-ex travel insurance plan won’t cover you, and your claims will be voided.

Instead, what you need is a worldwide medical insurance plan that would cover you when seeking medical consultation and treatment in another country. Find out how to cancel your travel insurance policy before making the switch.

3. Restrictions and Limitations

Like with all insurance plans, travel insurance policies for pre-existing conditions come with their own set of rules, and it is important to familiarise yourself with them, so as to avoid voiding your coverage.

At a very basic level, all pre-ex plans require that your pre-existing conditions must be stable and under control.

This means that you should ensure you have sufficient medication with you at all times; this means ensuring you bring extra in your travel checklist. If a relapse occurs because you ran out of medication halfway through your trip, your insurer may deny your claim.

Another precaution to take is to get permission from your healthcare provider—in writing—clearing you for your trip. Otherwise, your insurer may withhold coverage if they deemed you not medically fit for your trip.

Coverage might also be limited by other factors such as exclusions for certain diseases or physical activities, while some insurers may impose a limit on the duration of your trip for travellers with pre-existing conditions. If your policy contains this clause, be sure to observe it stringently, or your policy may be voided.

4. When In Doubt, Go For Higher Coverage

Navigating the complexities of travel insurance with pre-existing conditions can be daunting. Yes, pre-ex travel plans will cost more, but the whole point of getting one is to ensure those with pre-existing conditions can travel with peace of mind.

This means that you should always err on the side of caution, and go for a plan with higher coverage. When it boils down to it, having more insurance than you need is always better than having less, and then scrambling to make up the difference from your own pocket. But that doesn't mean you should blindly splurge on the most expensive and extensive plan you can find either. Make an estimate based on your own past experience, or check with your healthcare provider and/or insurer for guidance. If you haven’t bought a travel insurance yet and your flight is coming up, don’t fret—you can still purchase travel insurance after booking your flight, as long as you haven’t departed from Singapore.

Picking The Right Pre-Existing Conditions Travel Insurance

Best Travel Insurance for Pre-existing Conditions:

What Are Pre-Existing Conditions?