ntuc income daily travel insurance

FlexiTravel Hourly Insurance! Singapore’s first travel insurance that protects travellers by the hour

NTUC Income (Income) launched FlexiTravel Hourly Insurance, Singapore’s first travel insurance that enables travellers to purchase travel protection as needed by the hour. Available for those who are travelling only to Bintan, Batam and Malaysia, FlexiTravel Hourly Insurance is a flexible and affordable way for travellers to insure themselves for short or impromptu regional trips by land or sea that range from a few hours to a full weekend.

Spontaneous weekend getaways to destinations such as Bintan, Batam and Malaysia have always been popular with Singaporeans. Some examples of favourite activities include driving to Malaysia for a few hours of golf, grocery shopping and dinner, visiting attractions like Legoland with the family for a day or taking a ferry to Bintan for a weekend vacation. However, travellers often find it expensive or a hassle to purchase travel insurance for such short trips as they are perceived to be less risky and many often end up travelling uninsured.

Designed to give control to customers while protecting them on short trips, FlexiTravel Hourly Insurance charges a minimum of $1.80 for six hours of protection, with the option for travellers to add on coverage at a rate of $0.30 for every additional hour, capped at a maximum charge of $3 per day.

Accessible via the ‘My Income’ mobile app, travellers can easily activate and stop their FlexiTravel Hourly Insurance coverage anytime at their fingertips. With its geolocation feature, FlexiTravel Hourly Insurance is set to make travelling to Bintan, Batam and Malaysia not just spontaneous but safe as the app is designed to push notifications to travellers and remind them to activate their FlexiTravel Hourly Insurance plan when it detects that they are departing Singapore, and to terminate their plan upon arrival in Singapore. Alternatively, travellers can update their travel details manually on the app to terminate or extend their travel insurance plan accordingly without the need to turn on the geolocation feature.

Annie Chua, Vice President and Head of Personal Lines, NTUC Income, said, “Travelling always involves a certain level of risk, be it short or long trips as unforeseen circumstances can occur any time. Based on a recent survey[1] we conducted, we found travellers to be most concerned about seeking assistance when mishaps occur such as catching COVID or getting injured while overseas and needing medical treatment, as well as losing their personal belongings. However, despite these concerns, majority of the respondents still find purchasing travel insurance for such short trips expensive or cumbersome. With this in mind, we designed FlexiTravel Hourly Insurance to offer a pay-by-the-hour proposition to solve travellers’ pain point so they can continue enjoying their short trips while staying protected.”

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• Income Travel Insurance: Is It a Good Deal?

• Covers pre-existing conditions
• Provides COVID-19 hospitalisation and evacuation coverage for certain countries
• Expensive, especially annual plans
• Low personal accident and medical benefits

Like many other insurers, NTUC Income offers three levels of travel insurance policies to cater to the tastes and budgets of all kinds of consumers. Ultimately, its plans tend to be priced quite close to the industry average and feature a medium degree of coverage in most areas with two main weak points. While Income's plans are priced fairly given the level of coverage provided, deal-seekers will not be particularly wowed. However, Income's travel insurance policies stand out because they are one of the only insurers in Singapore that cover pre-existing medical conditions.

Table of Contents

• Income Enhanced Travel Insurance: What You Need to Know
• Income Enhanced PreX Travel Insurance

Sports Coverage

Claims & contact information.

• Income Coverage & Benefits

NTUC Income Travel Insurance: What You Need to Know

NTUC Income's travel insurance plans are best for travellers who aren't price sensitive and want coverage for their pre-existing conditions. You can choose from 3 tiers of plans for both the Enhanced and Enhanced PreX plans: Classic, Deluxe and Preferred for the standard plans and PreX Basic, PreX Superior & PreX Prestige for the pre-ex coverage plans. We found that Income's single trip plans generally cost 15-30% below average compared to its competition, while its annual plans cost between average to 20% above average. For those prices, the coverage is more competitive when it comes to travel inconvenience benefits (cancellations, delays, luggage loss), but sinks to below average overseas medical and personal accident coverage.

NTUC Income offers the standard array of travel insurance benefits, ranging from medical and personal accident to trip inconvenience benefits like trip cancellation, postponement, delays and baggage loss. While most of the benefit limits are slightly below average, Income does boast above average limits for medical coverage in Singapore, trip delay and baggage loss coverage. However, these plans may fail to impress some types of travellers. For instance, Income's Basic plan provides average levels of coverage but won't impress budget travellers since its possible to find cheaper basic plans. The premium tier plan (Preferred) boasts above average coverage for a small amount of benefits, but won't stand out to travellers who equate premium-level plans with market beating coverage.

Income's annual policies cost above average for all 3 plans, so it won't be the best option for frequent travellers who are hoping to save on an annual travel insurance plan. However, as Income is the only insurer that is currently providing COVID-19 medical and hospitalisation coverage as long as you take the mandatory PCR test and test negative pre-departure and won't be travelling to a high-risk nation, it is the best option for travel during the COVID-19 period. Overall, Income's travel insurance plans are just enough for the average traveller and can provide sufficient additional coverage if that traveller needs coverage for pre-existing coverage. Otherwise, Income's Enhanced travel insurance plans may not sway budget travellers or travellers who like high levels of coverage.

Notable Exclusions

NTUC Income only covers pre-existing conditions if you purchase their Enhanced PreX plans. Besides that, the exclusions are pretty standard, including no cover for travelling for medical conditions, items lost or damaged while unattended, travelling to participate in professional or compensated sports, being a victim of war, riots, or rebellion and travelling against the advice of the Singapore Government.

NTUC Income Enhanced PreX Plans Travel Insurance

If you are not limited by budget and just want a plan that will give you ample protection for your pre-existing coverage, Income will be a good choice. However, budget travellers with pre-existing conditions may find Income to be an expensive option. We found that Income's PreX travel insurance plans cost around 3 times as much as Income's standard plans, making them quite expensive considering that Income isn't competitively priced to begin with. As one of the 3 insurers who provides extensive coverage for your pre-existing coverage, it settles somewhere in the middle, with MSIG's plans costing 10-22% less but Etiqa's Tiq plans costing around 15% more.

Besides the pricing, you should also consider the extent of Income's pre-existing coverage benefits. Its PreX plans also combine medical and emergency evacuation coverage under one limit, which brings down the value of these plans considerably (for instance, MSIG's PreX and Tiq's PreX plans have separate limits for medical and emergency evacuation, resulting in more coverage than Income). On the other hand, Income does let you claim for trip inconvenience (cancellations and postponement) due to your pre-existing conditions if you buy its Superior or Prestige plans, which can be a useful benefit for people who book their trips far in advance and have somewhat risky conditions. You should just be aware of the 50% copay you'll be responsible for should you use those benefits.

Income includes medical coverage for adventure and sports including skiing, scuba-diving, white water rafting and motorcycling. There's no golf coverage and no cover for extreme sports such as bungee jumping, skydiving and mountaineering.

Income lets you submit your claim online or via post. Both options require you to submit the proper documentation, which they list when you indicate the type of claim you want to submit. You should read the policy wording before buying the policy so you are aware of what you can and can't claim for.

Summary of NTUC Income Travel Insurance Benefits & Coverage

With so many options for travel insurance plans in Singapore, it's no wonder that picking the right one for your next business trip or holiday can seem like a daunting task. Below, we've compiled a summary of NTUC Income's premiums and coverage and how it compares to the industry average. If you'd like to learn more about how Income compares to other insurers, you can read our top picks for the best travel insurance plans in Singapore.

• Best Travel Insurance in Singapore
• Average Costs and Benefits of Travel Insurance
• How to Pick the Best Travel Insurance

Anastassia is a Senior Research Analyst at ValueChampion Singapore, evaluating insurance products for consumers based on quantitative and qualitative financial analysis. She holds degrees in Economics and International Business Management and her prior working experience includes work in the capital markets sector. Her analyses surrounding insurance, healthcare, international affairs and personal finance has been featured on AsiaOne, Business Insider, DW, Vice, Her World, Asia Insurance Review, the Australian Institute of International Affairs and more.

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NTUC Income launches new travel insurance to protect customers by the hour

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NTUC Income has  launched  a new offering in Singapore that allows customers to get travel insurance by the hour.

The new product, called FlexiTravel Hourly Insurance, aims to offer cover to travellers going on a short or impromptu regional trip by land or sea that last for a few hours to a full weekend.

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Currently, FlexiTravel Hourly Insurance is available only for customers who are travelling to Bintan, Batam and Malaysia.

The travel insurance plan charges a minimum of S$1.8 for six hours of cover, with the ability to get additional coverage at S$0.3 per hour, which is capped at S$3 per day.

Income’s travel insurance offering can be accessed and toggled on/off via the ‘My Income’ app.

The FlexiTravel Hourly Insurance also uses geolocation data to remind customers to activate or terminate their insurance cover depending on where they are.

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According to a survey conducted by NTUC Income, most travellers are concerned about getting help in events such as catching Covid, accidents and losing their belongings.

Despite these concerns, majority of the respondents of the survey found purchasing travel insurance for such short trips expensive or cumbersome.

NTUC Income vice president and head of personal lines said Annie Chua: “With this in mind, we designed FlexiTravel Hourly Insurance to offer a pay-by-the-hour proposition to solve travellers’ pain points so they can continue enjoying their short trips while staying protected.”

According to the insurer, “FlexiTravel Hourly Insurance also provides COVID-19 benefits such as medical expenses incurred overseas and emergency medical evacuation if required.”

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NTUC Income launches FlexiTravel Hourly Insurance

Flexitravel hourly insurance is singapore’s first travel insurance that protects travellers by the hour, with premiums starting from as low as sgd 1.80 for 6 hours of coverage.

FlexiTravel Hourly Insurance is a newly launched travel insurance plan that provides travel protection by the hour. Available only for travellers headed to Bintan, Batam and Malaysia, the insurance plan provides a flexible and affordable way for them to insure themselves.

Travellers that are looking to do a short or impromptu trip – by land or sea – that ranges from a few hours to a full weekend can benefit from using this travel insurance plan and coverage.

How does FlexiTravel Hourly Insurance work?

FlexiTravel Hourly Insurance charges a minimum of SGD 1.80 for six hours of protection.

Travellers can add on coverage at a rate of SGD0.30 for every additional hour, capped at a maximum charge of SGD 3 per day. Policyholders who need to extend their trip while overseas can easily extend their coverage up to 7 days.

The insurance plan is accessible via the ‘My Income’ mobile app. Activating and stopping the coverage is also done through the mobile app.

An interesting feature that taps on the app’s geolocation function are the push notifications sent through the app to remind travellers to activate their FlexiTravel Hourly Insurance plan when it detects that they are departing Singapore, and to terminate their plan upon arrival in Singapore. There is also a manual function to update their travel details and terminate the coverage.

Based on a recent survey we conducted, we found travellers to be most concerned about seeking assistance when mishaps occur such as catching COVID or getting injured while overseas and needing medical treatment, as well as losing their personal belongings. However, despite these concerns, majority of the respondents still find purchasing travel insurance for such short trips expensive or cumbersome. With this in mind, we designed FlexiTravel Hourly Insurance to offer a pay-by-the-hour proposition to solve travellers’ pain point so they can continue enjoying their short trips while staying protected. Annie Chua, Vice President and Head of Personal Lines, NTUC Income

What are some of the benefits designed for trips to Bintan, Batam and Malaysia?

FlexiTravel Hourly Insurance benefits are specially designed to cover the common needs and concerns of short-term travellers to Bintan, Batam and Malaysia by land or sea.

According to Income, here are examples of some key benefits of FlexiTravel Hourly Insurance:

• Golfer’s cover, including stolen golf equipment from locked car and subsequent rental of golf equipment
• Reimbursement for unused entertainment ticket purchased for your trip
• Loss of baggage and personal belongings due to robbery or snatch theft and fraudulent use of bank card while overseas
• Relief for additional transport expenses due to snatch theft, robbery, or road accident

FlexiTravel Hourly Insurance provides COVID-19 benefits such as medical expenses incurred overseas and emergency medical evacuation if required.

Access to FlexiTravel Hourly Insurance

Interested travellers can find more information about FlexiTravel Hourly Insurance on the Income website . They can also download the ‘My Income’ mobile app from the App Store or Google Play.

For first time FlexiTravel Hourly Insurance customers, Income is offering complimentary first-trip coverage for the first 1000 customers until 26 July 2022. Travellers that qualify can register via the “My Income” mobile app and key in the promo code “1STTRIPONUS” to enjoy complimentary travel insurance.

Images credit to Income

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The Active Age is an online magazine that shares content about trends, insights, features, products and services that revolve around the Generation XY lifestyle.

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Income’s Travel Insurance Review (2024): COVID-19 Coverage, Pre-existing Conditions, Promotions, Premiums

When you come across the acronym “NTUC,” the FairPrice supermarket probably comes to mind, as every self-respecting auntie would attest. However, frequent travellers may also associate it with the renowned travel insurance plans offered by NTUC Income. Now rebranded as Income Insurance , how does its travel insurance plans fare in the current market?

There is a prevailing notion that Income’s travel insurance plans come with a hefty price tag. Additionally, certain internet users have voiced grievances about the perceived challenge in filing claims.

Are these rumours accurate? Let’s delve into the truth once and for all.

Income’s Travel Insurance Review 2024

• Income’s Travel Insurance: Summary
• Income’s Travel Insurance Coverage
• Does Income’s Travel Insurance Cover Pre-Existing Conditions?
• What About COVID-19 Coverage?
• The Moment of Truth…How About Extreme Sports?
• Comparing Income vs MSIG vs Etiqa
• Comparing Income vs FWD
• Income Travel Insurance vs Other Travel Insurers
• Ongoing Promotions
• What Do Netizens Think About Income’s Travel Insurance?
• The Verdict: Should I buy Income’s Travel Insurance?

1. Income’s Travel Insurance: Summary

Income has 2 travel insurance plans:

• Standard plans
• Income Enhanced PreX plans (covers pre-existing medical conditions)

Total Premium

NTUC Income Enhanced PreX Basic

Each travel insurance plan is then further sub-divided into 3 plan tiers which provide different amounts of coverage:

• Classic / Basic PreX
• Deluxe / Superior PreX
• Preferred / Prestige PreX (most expensive)

The premiums you will pay for your travel insurance plan largely depend on the country you’re travelling to. Usually, the further your country of destination, the more expensive your travel insurance plan will be. Here are the countries that are covered by Income travel insurance :

• ASEAN : Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand, Vietnam
• Asia : All the ASEAN countries, Australia, China (excluding Mongolia and Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan
• Worldwide : All countries
• Countries not covered : Afghanistan, Iraq, Liberia, Sudan, Syria

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2. Income’s Travel Insurance Coverage

Here’s a quick look at the premiums and coverage for the Income’s  Standard travel insurance  plans:

Income travel insurance medical coverage

At $250,000 to $1,000,000, Income’s Travel Insurance overseas medical coverage is generous compared to some of its competitors such as Sompo Travel Insurance’s $200,000 to $400,000 overseas medical limit.

However, do note that for adults aged 70 years and older, the coverage for medical expenses overseas, emergency medical evacuation, and sending you home all share one overall section limit of $300,000 (Classic and Deluxe) / $350,000 (Preferred). If you’re in this age range, this  may not be sufficient coverage for you.

For complete peace of mind, you might want to opt for plans that offer unlimited medical evacuation and repatriation coverage.   FWD travel insurance’s  most basic tier offers $200,000 coverage for o verseas medical expenses and unlimited coverage for emergency medical evacuation:

FWD Premium

[ Win a Rolex, Samsonite Luggage & More!   | MoneySmart Exclusive]     • Enjoy 25% off your policy premium • Get S$88 Revolut Cash Award* and an Eskimo Global 1GB eSIM with every policy purchased. T&Cs apply.     BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly     Increase your chances of winning when you refer friends  today. T&Cs apply     PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  T&Cs  apply.

Key Features

Enjoy cashless medical outpatient treatment in Singapore, access to emergency assistance and your travel policy documents through the FWD SG app!

Add on coverage for COVID-19 available for both Single & Annual Trips for travel period of 90 days or less.

Optional add on coverage available when your trip is cancelled for any reason for Single Trips. (To be purchased within 7 days of your initial trip deposit for your trip).

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$50,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

Income travel insurance trip disruption coverage

One great advantage of Income’s travel insurance is the high trip cancellation coverage ranging from $5,000 to $15,000. Other travel insurance providers might not be so generous. For example,  Allianz Travel offers $1,500 to $10,000 for trip cancellation, while Tiq travel insurance offers $5,000 to $10,000.

For travel insurance plans with comparable coverage to Income’s, check out  Great Eastern  (up  to $15,000 coverage) and  AIG (up to $15,000).

Great Eastern TravelSmart Premier Classic

[MoneySmart Exclusive]    • Enjoy up to   40% off your policy premiums • Get S$88 Revolut Cash Award* with every policy purchased.  T&Cs apply.    PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  T&Cs  apply.

Comprehensive worldwide protection with extensive medical coverage

Extended to coverage for travel inconveniences and medical expense due to COVID-19

One way coverage is available to your destination

Adventurous activities benefit - Complimentary benefits at no extra cost

Coverage for Emergency Dental Treatment, Traditional Chinese Medical (TCM) and Chiropractor treatments

Protect against pregnancy-related conditions while you are overseas

AIG Travel Guard® Direct - Basic

[Receive your cash as fast as 30 days*]   • Get up to 52% worth of cashback with eligible premiums spent. • Additionally, receive  S$88 Revolut Cash Award* and an Eskimo Global 1GB eSIM with every policy purchased. T&Cs apply.   PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  T&Cs  apply.

Voted TripZilla's Best Travel Insurance (Single Trip).

Up to S$250,000 in overseas COVID-19 related medical coverage if you are diagnosed with COVID-19 overseas.

Overseas quarantine allowance of up to S$100 per day per person for up to 14 days if you test positive for COVID-19 overseas and are unexpectedly placed into mandatory quarantine.

Up to S$1,500 if you are diagnosed with COVID-19 and have to postpone your trip.

Up to S$7,500 in curtailment costs if you are diagnosed with COVID-19 while travelling and need to return to Singapore earlier than planned.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC websites (www.AIG.sg or www.gia.org.sg or www.sdic.org.sg).

Purchase your travel insurance with confidence and enjoy unlimited flexibility with AIG's Travel Guard® Direct.

3. Does Income’s Travel Insurance Cover Pre-Existing Conditions?

Income is one of the few insurers in Singapore providing comprehensive  travel insurance plans that cover pre-existing medical conditions such as asthma, eczema, diabetes, high blood pressure and even heart disease. The other 2 that cover pre-existing conditions are  MSIG travel insurance and Etiqa travel insurance .

The most obvious difference between Income’s Enhanced PreX travel insurance plan and its regular Travel Insurance plan is, of course, price. The cheapest Income Enhanced PreX plan  costs over twice the price  of a regular Income travel insurance plan.

For those who have major health problems, you don’t have much of a choice. There’s no point in buying a cheap normal insurance plan with no coverage for you because you definitely will not be able to claim medical expenses, evacuation costs or travel delays linked to a flare-up of your condition.

It is especially worth the money if your condition is either life-threatening or very expensive to treat overseas.

However, if you have a condition that’s not immediately life-threatening, such as eczema, then it is your choice whether you want to spend more on Pre-Ex travel insurance for better coverage.

It’s important to look at the coverage limits if you’re seriously considering pre-existing travel insurance. Why? If you’re travelling somewhere with really expensive healthcare, like Europe or the US, you might want to upgrade to the Enhanced PreX Prestige plan.

NTUC Income Enhanced PreX Prestige

Income’s enhanced prex travel insurance premiums and coverage.

Is Income’s travel insurance for pre-existing medical conditions any good? Yes. For one,  Income PreX travel insurance covers COVID-19  while  MSIG TravelEasy Pre-Ex and  Tiq Travel Insurance Pre-Ex don’t cover you for COVID-19. So, if you want both pre-existing medical conditions and COVID-19 coverage in your travel insurance, Income Enhanced PreX is your only choice.

Even though Income Pre-Ex Travel Insurance offers you COVID-19 coverage, the downside is that they’ve lowered the medical benefits you get if you’re aged 70 and above. For example, for those aged 70 and above, Income Enhanced PreX’s overseas medical and emergency medical evacuation coverage share a total claim limit of $300,000 for its basic plan tier (as opposed to up to $500,000 in overseas medical expenses and unlimited medical evacuation coverage for under 70s). 

By comparison, MSIG TravelEasy Pre-Ex Standard (the basic tier) offers $250,000 / $50,000 medical coverage (below 70 / above 70) and $1,000,000 evacuation regardless of age, while Tiq basic pre-ex travel insurance plan offers $200,000 overseas medical coverage and $1,500,000 combined coverage for evacuation and repatriation of mortal remains.

Otherwise, Income Enhanced PreX’s miscellaneous trip cancellation and baggage delay benefits are pretty good. Travel inconvenience benefits for the Basic PreX plan are higher than those for the Classic standard plan, while benefits for the Superior PreX and Prestige PreX plans match those for the Deluxe and Preferred standard plans respectively.

4. What About COVID-19 Coverage?

Whether you buy an Income Travel Insurance Standard or an Income Enhanced PreX Travel Insurance plan, you’ll be relieved to know that all Income Travel Insurance plans automatically come with COVID-19 coverage.

You can find the COVID-19 coverage details at the very bottom of the usual Income travel insurance coverage tables for Standard plans and PreEx plans . There’s also a separate  Income Travel Insurance COVID-19 policy wording  document that you can refer to. Here are the most important bits:

Most of us will not scrutinise the individual coverage limits on our travel insurance. We place a whole lot of trust in insurance companies to cover the bare essentials.

The good news is that Income’s Travel Insurance COVID-19 extension is simple and adequate. Take COVID-19 overseas medical coverage, for example. Income offers $150,000 while MSIG TravelEasy’s basic plan offers $75,000 and Etiqa’s basic plan offers $100,000.

Then, there’s overseas COVID-19 quarantine cash allowance, for which Income offers $100 per day, up to $1,400. In contrast, Etiqa’s basic plan offers $100 per day up to $500, and MSIG’s basic plan offers $50 per day up to $700.

Perhaps the most important distinction is that Income’s COVID-19 coverage applies to both their Standard plans and the PreEx ones. That’s rarer than you might think. For example, Etiqa’s Pre-Ex plans and MSIG’s TravelEasy Pre-Ex plans don’t cover COVID-19 disruptions at all; their COVID-19 add-ons apply only to their standard plans. So if you have pre-existing conditions and want COVID-19 coverage, Income travel insurance is your best choice by a mile.

5. The Moment of Truth…Does Income’s Travel Insurance Cover Extreme Sports?

Income’s Travel Insurance covers common vacation activities like scuba diving and skiing. It’s also adequate if you’re just looking to snorkel or participate in an easy trek with a guide or tour group with a licensed outdoor adventure operator. Here are a few outdoor adventure activities that are included in their coverage:

* For scuba diving: On top of the 30m depth limit, you must also:

• hold a PADI certification (or similar recognised qualification) and be diving with someone who is also certified; or
• dive with a qualified instructor

The coverage above  applies to their Income PreEx plans as well as the Standard ones. That makes for very comprehensive travel insurance plans, if you ask me.

6. Comparing Income vs MSIG vs Etiqa

If you’re considering Income’s Travel Insurance, you should be comparing it against established household insurance providers such as MSIG and Etiqa.

Income and MSIG automatically include COVID-19 coverage in their standard travel insurance plans, while this is an optional add-on for Etiqa. Other plans that include automatic COVID-19 coverage include Starr TraveLead Comprehensive, Bubblegum Travel Insurance, Singlife Travel Insurance and DBS Chubb Travel Insurance. However, if we look at pre-existing plans, only Income travel insurance offers COVID-19 coverage.

In terms of overseas medical expenses, all 3 insurers offer quite comparable coverage. When it comes to other travel and logistics-related coverage such as trip cancellation and baggage loss, Income and MSIG travel insurance plans’ coverage are pretty much on par while Etiqa’s falls slightly short.

All things considered, Income, MSIG and Etiqa’s travel insurance plans are surprisingly similar and competitive. The one key difference is emergency medical evacuation coverage for people aged 70 and over—Income’s Travel Insurance parks that under the overall overseas medical expense limit as we discussed above .

7. Comparing Income vs FWD

When you pit Income Travel Insurance against one of the most popular “budget” travel insurance providers, FWD, you’ll realise that the travel insurance offerings are very similar and competitive.

Between Income Travel Insurance and FWD travel insurance, coverage is largely on par if you’re considering a basic travel insurance plan with COVID-19 coverage. However, FWD’s prices are lower even if you purchase the COVID-19 add-on.

8. Income Travel Insurance vs Other Travel Insurers

At a glance, here’s how Income’s travel insurance stacks up compared to the other major travel insurers in Singapore.

9. Income travel insurance—Ongoing promotions

Even though many Singaporeans probably don’t mind paying more for Income travel insurance just because it’s a household brand name, their travel insurance plans aren’t the most affordable.

However, with ongoing promotions like the current 55% discount promo, it can be value for money. All standard per-trip plans qualify for the promo. For example, if you wanted to go temple-hopping for a week in Myanmar, the cheapest Classic plan would cost just $31 after the discount. Here are the premiums you’ll be paying with the current 55% discount promo:

In addition, Income is offering an additional 15% off Enhanced PreX per-trip plans. These start from $88 per week. Pricey, yes, but their pre-existing condition plans offer the best coverage compared to others .

10. What Do Netizens Think About Income’s Travel Insurance?

If you follow insurance threads on forums or even talk to your friends about insurance claims over  kopi , you might have gotten wind of Income’s bad claims reputation . 

Unfortunately, online forums such as Hardwarezone and Reddit are full of similar stories from users claiming that their Income insurance claims were slow, long-drawn-out and plagued with difficulties. According to the users’ Income claim experiences, there was a lot of emphasis on the need for original invoices to be submitted.

To be fair, between these nasty stories, you’ll also find users who managed to claim from Income smoothly and received their cheques in the mail.

So, how do you make a claim? Your first port of call should be to get in touch with Income ASAP.

Income Travel Insurance Emergency hotline:  Call the Income emergency assistance hotline at +65 6788 6616

Here’s where it gets confusing. You have to identify the type of claim that you’re making and the “correct” way to submit it. Super important: all claims must be made within 30 days of the event or incident.

Income Travel insurance online claims:  Submit Income Travel Insurance claims online with supporting documents such as invoices, flight itineraries, police reports, etc. through their website. You can do so for the following benefits:

• Trip cancellation
• Trip shortening
• Travel delay
• Baggage delay
• Loss and damage of baggage or personal belongings

Income Hard copy claims:  For medical expenses, you need to fill in the Income Travel Insurance claim form and drop off the hard copy form with the supporting documents such as hospital bill, medical report, boarding pass, etc. at an Income branch.

Income Email claims:  For claims that do not involve travel inconveniences (see above) and medical expenses (see above), you’ll need to fill in Income’s Travel Insurance claim form digitally, and email it together with your supporting documents to [email protected] . Include your travel policy number in the subject line.

Income Claims settlement time:  If there is no dispute, Income will settle your claims within 10 working days or longer during high-volume travel periods like school holidays.

11. The Verdict: Should I buy Income’s Travel Insurance?

Income Travel Insurance isn’t the absolute cheapest around, but their regular travel insurance plans are very  affordable and value for money  when there’s a 55% promotion going on.

However, just because it’s a brand name doesn’t mean that its coverage is the highest in town, especially when you compare it with value-for-money providers like FWD. That’s not a problem for most travellers though, unless you’re going to a super expensive country or encounter some unusual scenario.

For most Singaporeans who just want to eat, chill and relax on holiday, Income’s travel insurance is more than adequate especially as it also provides COVID-19 coverage—even for pre-existing conditions. However, daredevils should take note that it does not cover more thrilling activities like mountaineering and other extreme sports.

If you have a  pre-existing medical condition , Income Enhanced PreX is one of the very few travel insurance options suitable for you. It is pricey for sure, but probably worth the money if you have a life-threatening condition like asthma or heart disease. Make sure that the plan is sufficient to cover your overseas expenses and/or evacuation.

Still looking for travel insurance? Compare the  best travel insurance  in Singapore here .

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NTUC Income launches FlexiTravel Hourly Insurance, Singapore’s first travel insurance that protects travellers by the hour

ICMIF member NTUC Income (Income) has launched FlexiTravel Hourly Insurance , Singapore’s first travel insurance that enables travellers to purchase travel protection as needed by the hour. Available for those who are travelling only to Bintan, Batam and Malaysia, FlexiTravel Hourly Insurance is a flexible and affordable way for travellers to insure themselves for short or impromptu regional trips by land or sea that range from a few hours to a full weekend.

Spontaneous weekend getaways to destinations such as Bintan, Batam and Malaysia have always been popular with Singaporeans. Some examples of favourite activities include driving to Malaysia for a few hours of golf, grocery shopping and dinner, visiting attractions like Legoland with the family for a day or taking a ferry to Bintan for a weekend vacation. However, travellers often find it expensive or a hassle to purchase travel insurance for such short trips as they are perceived to be less risky and many often travel uninsured.

Designed to give control to customers while protecting them on short trips, FlexiTravel Hourly Insurance charges a minimum of SGD 1.80 for six hours of protection, with the option for travellers to add on coverage at a rate of SGD 0.30 for every additional hour, capped at a maximum charge of SGD 3 per day.

Accessible via the ‘My Income’ mobile app, travellers can easily activate and stop their FlexiTravel Hourly Insurance coverage anytime at their fingertips. With its geolocation feature, Income says FlexiTravel Hourly Insurance is set to make travelling to Bintan, Batam and Malaysia not just spontaneous but safe as the app is designed to push notifications to travellers and remind them to activate their FlexiTravel Hourly Insurance plan when it detects that they are departing Singapore, and to terminate their plan upon arrival back in Singapore. Alternatively, travellers can update their travel details manually on the app to terminate or extend their travel insurance plan accordingly without the need to turn on the geolocation feature.

Annie Chua, Vice President and Head of Personal Lines, NTUC Income, said, “Travelling always involves a certain level of risk, be it short or long trips as unforeseen circumstances can occur any time. Based on a recent survey we conducted, we found travellers to be most concerned about seeking assistance when mishaps occur such as catching COVID or getting injured while overseas and needing medical treatment, as well as losing their personal belongings. However, despite these concerns, majority of the respondents still find purchasing travel insurance for such short trips expensive or cumbersome. With this in mind, we designed FlexiTravel Hourly Insurance to offer a pay-by-the-hour proposition to solve travellers’ pain point so they can continue enjoying their short trips while staying protected.”

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NTUC Income launches new travel cover that protects by the hour

Premiums start at S$1.80 for a six-hour coverage.

NTUC Income has launched a new travel insurance product, FlexiTravel Hourly Insurance, that enables travellers to buy insurance by the hour with premiums starting at S$1.80 for the first six hours.

Currently, FlexiTravel Hourly Insurance is only available for those who are travelling to Bintan, Batam and Malaysia.

The new product is targeting Singaporeans who do short impromptu regional trips like driving to Malaysia for a few hours to golf, shop, eat, or visit attractions such as Legoland for a day with family.

According to vice president and head of personal lines at NTUC Income, Annie Chua, travellers often find it expensive or a hassle to purchase travel insurance for such short trips as they are perceived to be less risky and many often end up travelling uninsured.

FlexiTravel Hourly Insurance is designed to give control to customers while protecting them on short trips. It charges a minimum of S$1.80 for six hours of protection, with the option for travellers to add on coverage at a rate of S$0.30 for every additional hour, capped at a maximum charge of S$3 per day.

Accessible via the ‘My Income’ mobile app, travellers can easily activate and stop their FlexiTravel Hourly Insurance coverage anytime at their fingertips. With its geolocation feature, FlexiTravel Hourly Insurance is set to make travelling to Bintan, Batam and Malaysia not just spontaneous but safe as the app is designed to push notifications to travellers and remind them to activate their FlexiTravel Hourly Insurance plan when it detects that they are departing Singapore, and to terminate their plan upon arrival in Singapore. 

Alternatively, travellers can update their travel details manually on the app to terminate or extend their travel insurance plan accordingly without the need to turn on the geolocation feature.

“The recent relaxation of travel-related measures has injected fresh enthusiasm among Singaporeans over the possibility of travelling again. The launch of FlexiTravel Hourly Insurance is timely in catering to the evolving needs of travellers, such as short trips to nearby destinations and travelling amidst the pandemic, so they can now travel with peace of mind as they stay protected by the hour as needed,” Chua said.

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NTUC Income adds Covid-19 insurance coverage for overseas travel

(THE BUSINESS TIMES) - NTUC Income customers who buy its travel insurance will now receive Covid-19 coverage as well, for medical-related expenses while overseas.

Outbound travellers, departing Singapore, who are covered by Income's single-trip insurance will be protected for the first 90 days of each trip for Covid-19 related hospitalisation expenses of up to US$100,000 (S$133,900) while abroad.

They will also be covered for costs incurred for medical evacuation or repatriation of up to US$100,000, if necessary.

These Covid-19 benefits are automatically included in single-trip insurance plans purchased from Thursday (Nov 26) - including plans covering pre-existing conditions - and also for travel dates starting Thursday.

However, the Covid-19 benefits will be excluded from travel insurance for trips to countries that the World Health Organization deems as high risk for Covid-19 at the point of purchase.

Policyholders with existing annual travel insurance plans from Income can contact the insurer to find out about getting covered by these benefits for upcoming travel.

Fabian Ng, Income's general manager for consumer business, said that there are some individuals who will need to travel for necessary business-related and other essential matters, even as overseas travel is still restricted in general.

"Nevertheless, we urge everyone to take all necessary precautions when planning your travels as there are countries that are seeing a resurgence in Covid-19 cases or are still experiencing a high number of infections," Mr Ng added.

The Business Times (BT) reported last month that most travel insurance products do not cover Covid-19 related claims, although market leaders including Income had been reviewing some of their offerings.

Income told BT at the time that it may develop a product to cover inbound travellers to Singapore. On Thursday, an Income spokesperson said in response to BT's queries that the insurer is, at the moment, focusing on providing suitable Covid-19 cover for Singapore-based residents so that they can travel overseas with a greater peace of mind.

AXA Insurance currently offers Covid-19 travel cover for Scoot passengers on flights departing Singapore, and will soon be making such coverage available to all travellers regardless of the airline they fly, Julien Callard, its managing director, retail & health, told The Straits Times on Thursday.

Last week, Changi Airport Group and the Singapore Tourism Board announced that three insurance companies had each developed Covid-19 travel insurance plans for foreign visitors entering Singapore.

The three - AIG Asia Pacific Insurance, Chubb Insurance Singapore and HL Assurance - are providing at least S$30,000 in coverage for Covid-19 related medical treatment and hospitalisation costs for inbound travellers to the city-state.

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Best Travel Insurance in Singapore with Covid-19 Coverage

Travelling during a pandemic can be stressful. get yourself appropriately covered with the best travel insurance plans before your trip..

by Tan Jia Hui

Make Home Care Personal To Your Loved One

As more countries open up, many Singaporeans are excitedly making holiday plans after close to three years. However, with all the uncertainty regarding outbreaks and government regulations, you may be facing turmoil on whether to book your flight and accommodations, especially if they are non-refundable.

The good news is, travel insurance policies now cover Covid-19-related disruptions. Many also provide compensation if you or your loved ones are diagnosed with Covid-19 before, during, or after the trip, so you can have peace of mind as you book your next vacation.

How to choose the best travel insurance with Covid-19 coverage

With the myriad of options available, how do you choose the best travel insurance with Covid-19 coverage? 

Here are 5 key factors you should look out for to help you make an informed decision:

1. Price range

Depending on your destination country, travel duration, and a number of other factors, insurance premiums can range from tens of dollars to several hundreds. It is always best to find a balance between the cost of premium and the coverage you need.

2. Coverage

A typical travel insurance covers the following:

• Overseas medical expenses, including treatment, evacuation and repatriation
• Death and total and permanent disability (TPD)
• Missing or lost baggage
• Flight delays and cancellations
• Trip cancellation

Pay extra attention to the coverage for overseas medical expenses. Most domestic insurance do not cover overseas expenses, which can easily cost upwards of thousands of dollars in the unfortunate event of a medical emergency. The cost of medical expenses may also vary greatly depending on your destination, so be sure to take that into consideration.

Depending on your itinerary and purpose of travel, you may choose to add extra coverage. For example, if you are an adrenaline junkie, consider getting a plan with adventure and sports coverage.

In the current pandemic situation, it is highly recommended to ensure your plan includes Covid-19 coverage. Covid-19 coverage typically includes the following benefits if you or your family members are diagnosed with Covid-19, or if you are affected by a related disruption:

• Medical expenses
• Hospitalisation allowance
• Quarantine allowance
• Trip postponement
• Trip disruption
• Trip curtailment
• Emergency evacuation and repatriation

3. Reliability of provider

Misinformation and fraud is rampant these days, and making sure your insurance provider is reliable is key to avoid being scammed. There are a few steps you can take to ensure the reliability of your insurance provider, such as checking that the agent is authorised by the Monetary Authority of Singapore (MAS), requesting for a receipt, and ensuring the details on the policy document is accurate. 

The safest option is to go with a reputable insurance provider that has a great track record so that you can have peace of mind and be confident that your insurance provider has your back should you face any issues overseas.

4. Ease of claims 

Often, you may discover travel insurance plans with similar coverage but vastly different costs. While it is tempting to go with the more affordable option, make sure to check the fine print and reviews first. It could be that the company has a tedious and lengthy claim process or highly restrictive rules in the fine print that results in many claims being denied. These days, some insurers also provide a paperless claim process for a more seamless and fuss-free experience.

5. Additional features

Depending on the insurance plan and provider, there may be value-added services and features that you may find useful. For example, some insurance providers provide a 24/7 global medical assistance hotline to connect you with medical treatment and transportation while overseas. Others have an app where you can easily find your policy details, file and track claims, locate nearby medical facilities, police stations, or embassies, and even access medical translation functionalities.

If you find these additional features helpful, keep a look out for them when purchasing your travel insurance plan.

Supporting Your Family and Providing Care from Afar

Planning to take a holiday, but worried of leaving your elderly parents at home alone? Homage can help. 

Apart from being able to assist with activities of daily living (ADLs) like changing and cooking to nursing procedures, our Care Pros are also able to provide respite care to accompany your loved ones to their medical appointments or provide primary care in the interim. 

Top 8 travel insurance plans with Covid-19 coverage

Depending on the country you are visiting, you may have to meet the mandatory Covid-19 travel insurance requirements to enter. For example, Singapore requires all inbound short-term visitors to have travel insurance with a minimum coverage of $30,000 for Covid-19-related medical expenses.

Here are the estimated premium and Covid-19 coverage of different travel insurance policies for a 7-days trip to most destinations worldwide:

Do note that the numbers above are for the most basic plan offered by each travel insurance provider. Many of them also offer plans with higher coverage, but of course have higher premiums as well.

1. FWD Premium

FWD offers affordable travel insurance plans with Covid-19 coverage. At $51.60 for a week-long trip to most destinations including the USA, FWD Premium has one of the lowest premiums in this list, but its coverage is also limited to only the bare minimum.

The Covid-19 insurance, which you have to purchase as an add-on to the FWD Premium plan, covers:

• Medical expenses : Up to $200,000 while overseas or after returning to Singapore
• Hospitalisation allowance : $50 per day for up to 14 consecutive days while overseas, $100 per day for up to 14 days after returning to Singapore
• Trip cancellation : Up to $5,000 for non-refundable costs, for up to 30 days before the trip
• Trip disruption : Up to $5,000
• Emergency evacuation and repatriation : Up to $200,000

The good thing about the FWD Premium travel insurance policy is that the medical expenses and hospitalisation allowance benefits are applicable for up to 14 days after your return, which not all plans offer.

2. Klook x MSIG Lite Plan

Another affordable travel insurance plan with Covid-19 coverage is the Klook x MSIG Lite Travel Insurance . At only $34.40 for a week-long trip to Thailand and up to $88 for a trip to the United States, its premium is comparable to FWD’s, but their Covid-19 coverage differs.

Covid-19 travel insurance coverage:

• Medical expenses : Up to $100,000 while overseas
• Hospitalisation allowance : $100 per day for up to 14 days while overseas, with maximum limit of $350
• Quarantine allowance : $100 per day for up to 14 days while overseas, with maximum limit of $350
• Trip cancellation : Up to $2,500
• Trip curtailment : Up to $2,500
• Evacuation and repatriation : Unlimited

While MSIG provides an overseas quarantine allowance, its payouts for hospitalisation allowance, medical expenses, as well as trip cancellations or disruptions, are lower compared to FWD. 

Importantly, do take note that the Covid-19 cover will cease immediately after your return to Singapore, and the plan covers a trip duration of up to 30 days only, with no extension available.

If you are on a tight budget and don’t mind the basic coverage, consider getting this plan. 

3. AIG Travel Guard Basic

For a comprehensive plan that already incoporates Covid-19 coverage, consider the  AIG Travel Guard Basic . Under this policy, a week-long trip to  Japan would incur a premium of $68.

• Medical expenses, emergency evacuation, and repatriation  : Up to $50,000 for those below 70 years old, up to $25,000 for children and those above 70 years old
• Quarantine allowance : $50 per day for up to 14 days while overseas
• Travel cancellation : Up to $2,500
• Travel postponement : Up to $500

While this plan offers decent coverage, it is missing a few elements, namely payouts for hospitalisation allowance, pre-departure changes to your trip, and even if you decide to return to Singapore early. 

For better overall coverage, you have the option of upgrading to the Standard, Enhanced, or Supreme plans. However, do note that while these plans have higher compensation for the existing benefits, they do not provide additional benefits like hospitalisation allowance.

4. Allianz Single Trip Bronze

Rather than an add-on, Allianz incorporates Covid-19 coverage into its existing travel insurance plans. This means that while its medical expense coverage is significantly higher than the other plans above, it doesn’t provide payouts for travel delays, or allowance for hospitalisation and quarantine due to Covid-19. 

You can get the Allianz Single Trip Bronze plan at $49 for a week-long trip to Thailand, or $112 if you are travelling to the USA. 

• Emergency medical and dental expenses : Up to $200,000 for those below 70 years old, up to $50,000 for those above 70 years old
• Travel cancellation : Up to $5,000
• Emergency transportation : Unlimited

For those who are looking for a more comprehensive plan, including personal accident and trip interruption coverage, Allianz also provides two other travel insurance plans: Silver and Platinum.

At the time of updating (9 Nov 2022), Allianz is also offering 12% off their travel insurance if you use the promo code “travel12”. 

5. AXA SmartTraveller Essential

Since 1 February 2021, the AXA SmartTraveller  plans have been updated to better suit Singaporeans’ travel needs. The most basic plan, AXA SmartTraveller Essential , costs $157.02 for a week-long trip to most countries and includes the following Covid-19 travel insurance coverage:

• Medical expenses : Up to $75,000 overseas, and up to $37,500 in Singapore
• Hospitalisation allowance : $100 per day, up to a limit of $1,000
• Quarantine allowance : $50 per day, up to a limit of $350 overseas and $350 in Singapore
• Trip cancellation : Up to $1,000
• Trip postponement : Up to $500
• Trip curtailment or rearrangement : Up to $2,000

While the Covid-19 medical expense coverage for the Essential plan is considered low compared to the other plans on this list, AXA covers medical costs incurred within 90 days of your trip, which is quite generous duration-wise. For a higher coverage, you may want to consider upgrading to the Comprehensive plan, which covers up to $150,000 for Covid-19 medical treatment.

Another perk of the AXA SmartTraveller plan is their flexibility when it comes to claims for trip curtailment, which includes situations where a family member passes on due to Covid-19 or when there is a Covid-19 outbreak at the destination country.

6. NTUC Income Classic

For a week-long trip to most destinations, the NTUC Income Classic plan costs $149. On top of personal accident coverage, the plan includes the following Covid-19 travel insurance coverage:

• Medical expenses : Up to $250,000 while overseas
• Quarantine allowance : $100 per day while overseas, capped at $1,400
• Trip cancellation : Up to $5,000
• Trip curtailment : Up to $5,000
• Trip disruption : Up to $2,000
• Emergency transportation : Up to $150,000

All NTUC Income travel insurance policies bought online now include Covid-19 coverage for the first 90 days of each trip. However, do take note of the exclusions, as they do not cover travel inconveniences caused by border closures and government advisories. 

For increased coverage, you have the option to choose NTUC Income’s Deluxe or Preferred travel insurance plans. Alternatively, if you are looking for a travel insurance policy that covers pre-existing conditions, NTUC Income is also one of the few providers that offers it. Their Enhanced PreX Travel Insurance starts from $194 for a week-long trip. 

At the time of updating (9 November 2022), there is also an ongoing 40% promotion for all single-trip travel insurance policies bought online.

7. Sompo Essential

The Sompo Essential plan costs $129 for a week-long trip to most countries worldwide, and includes the following Covid-19 travel insurance coverage:

• Overseas medical expenses : Up to $200,000 
• Medical expenses in Singapore : Up to $5,000
• Hospitalisation allowance : $100 per day while overseas, capped at $3,000
• Quarantine allowance : $50 per day while overseas, capped at $700
• Trip postponement : Up to $5,000
• Trip disruption : Up to $1,000
• Emergency medical evacuation : Up to $500,000
• Repatriation : Up to $30,000

In terms of breadth of coverage, the Sompo Essential plan has most of the Covid-19 benefits that other plans offer as well. Furthermore, the trip cancellation, postponement, and curtailment benefits apply not only when you contract Covid-19, but also when your travel companion(s) who are also insured by Sompo are infected. 

However, do note that Sompo only covers Covid-19-related medical expenses for a period of up to 45 days (or until the maximum limit is reached), starting from your first day of treatment. Any medical expense incurred after 45 days will not be covered.

If you would like a more comprehensive coverage, there is the option to upgrade to the Sompo Superior plan.

At the time of updating (9 November 2022), Sompo is running a promotion for its single-trip Covid-19 insurance plans. Purchase your policies at 25% off till 4 December 2022.

8. Singlife Travel Lite

Singlife offers three plans with different levels of coverage: Travel Lite, Travel Plus, and Travel Prestige. The Singlife Travel Lite plan is the most affordable of the three, at $77.93 for a week-long trip to most destinations worldwide.

• Medical expenses and emergency medical evacuation : Up to $250,000 while overseas
• Medical expenses in Singapore : Up to $10,000
• Trip cancellation : Up to  $5,000
• Trip interruption : Up to $1,000

While the Singlife Travel Lite plan—the most basic of the three—has quite a low coverage, the benefits of the other two plans are comparable to the rest on the list and include overseas quarantine allowance of up to $2,000.

Additionally, MINDEF/MHA and POGIS policyholders can enjoy up to 46% off single-trip plans and 30% off multi-trip plans.

While we have provided a brief summary of the pros and cons of various travel insurance plans, remember to also read the fine print before making a decision to make sure the plan is right for you.

What to do if you get Covid-19 during or after your trip?

If you are diagnosed with Covid-19 or are affected by a related disruption during your trip, call your insurance provider immediately as they will be most familiar with the plan you have purchased and will be able to advise you accordingly. There may be steps you need to take within a fixed time frame (e.g. obtain an official quarantine order or a doctor’s letter) for the insurer to approve your claims, so you should call them once you are aware of the diagnosis or disruption. Most insurers should have a hotline that operates 24/7.

You will also have to submit your claim with supporting documents within the deadline (usually 30 days), so make sure that you always keep all receipts in an accessible place so you can submit claims on-the-go and do not have to wait till you are back in Singapore to process the claim.

Have peace of mind for your next getaway

The Covid-19 coverage component in travel insurances is something that is new and unfamiliar to many of us, but we hope that this detailed guide helped you get a better idea of what to look out for your next travel insurance purchase! 

Just as insurance provides us with a peace of mind on our travels – if you have elderly parents who you are concerned about leaving at home alone while you are away – Homage is able to provide caregiving services for your loved ones in the interim. 

Our trained care professionals are able to provide companionship, nursing care, night caregiving, home therapy and more , to keep your loved ones active and engaged while you are away for your much needed holiday.

Provide the best care to your loved one today!  Fill up the form below for a free consultation with our Care Advisory team. 

Fill out the form below and our Care Advisors will get back to you with care information you need.

In the event that we will need to contact you, please look out for our outgoing number +65 3129 6885.

This number may be flagged as “potential fraud” but please be assured this is the official Homage number that we use to reach out to our customers.

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NTUC Income Travel Insurance Review: COVID-19 Coverage, Pre-existing Conditions, Premiums

• NTUC Travel Insurance: Summary
• NTUC Travel Insurance Coverage
• NTUC Travel Insurance Pre-Existing Conditions
• NTUC Travel Insurance COVID-19 Coverage
• NTUC Travel Insurance: Extreme Sports
• NTUC vs MSIG vs Etiqa Travel Insurance
• NTUC vs FWD Travel Insurance
• NTUC Travel Insurance vs Other Travel Insurers
• NTUC Travel Insurance Promo
• NTUC Travel Insurance Claim
• Should I buy NTUC Travel Insurance?

1. NTUC Travel Insurance Summary

• NTUC Travel Insurance Standard
• NTUC Income Enhanced PreX (covers pre-existing medical conditions)
• Classic/ Basic PreX
• Deluxe/ Superior PreX
• Preferred/ Prestige PreX (most expensive)
• ASEAN : Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand, Vietnam
• Asia : Australia, China (no Mongolia, Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan, ASEAN
• Worldwide : All countries

2. NTUC Travel Insurance Coverage

3. ntuc travel insurance pre-existing conditions, ntuc enhanced prex travel insurance premiums and coverage:, 4. ntuc travel insurance covid-19 coverage, ntuc travel insurance's covid-19 coverage and benefits:, 5. ntuc travel insurance: extreme sports, 6. ntuc vs msig vs etiqa travel insurance, 7. ntuc vs fwd travel insurance, 8. ntuc travel insurance vs other travel insurers, 9. ntuc travel insurance promo, 10. ntuc travel insurance claim.

• Trip cancellation
• Trip shortening
• Travel delay
• Baggage delay
• Loss and damage of baggage or personal belongings

11. Conclusion: Should I buy NTUC Travel Insurance?

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NTUC Income Travel Insurance Review: Get the Best Coverage at the Right Price

• Financially Reviewed by Edward Hee

• Published: 28 October, 2023
• Last Updated: 28 October, 2023

At Dollar Bureau, we’re committed to providing you with reliable, unbiased financial guidance. Our content is crafted by everyday Singaporeans who are trained in finance and insurance, ensuring relatable and practical guidance. We uphold strict editorial independence, regularly update our reviews, and value your feedback to keep our information accurate and relevant.

Discover more about our editorial guidelines here .

Table of Contents

Key features of the ntuc income’s travel insurance plan.

• NTUC Income Travel Insurance plans offer travel insurance for both single and annual trips.
• There are 3 different tiers of plans under 2 categories – Classic, Deluxe, Preferred under the Standard Plans category, and Basic, Superior, and Prestige under the Enhanced PreX Plans category.
• You can purchase NTUC Income Travel Insurance plans for yourself (as an individual), or as a family.
• You can conveniently pay for your policy with Cash, Giro, AXS, or credit card/debit card (Visa and Mastercard), Internet Banking, via My Income Portal, NETS, and cheque.
• You can purchase your policy up to 180 days in advance.
• Covers pre-existing conditions under the Enhanced PreX Plan.

Eligibility

In order to be eligible, you must:

• Be living or legally working in Singapore.
• Have a valid Singapore identification (NRIC, Employment Pass, Work Permit, Long-Term Visit Pass or Student Pass).
• Start and end your trip in Singapore.
• Have bought and fully paid for your policy before leaving Singapore.
• Be over 30 days old.

Premium Rates

These premium rates are based on trips for a week under the Standard Plan and Enhanced PreX Plan.

Standard Plan

Enhanced prex plan, here are some of the key benefits it covers:.

Individuals under 70 years old

You can refer to the highest payout amount the benefit will pay under the family plan for a single journey.

Each individual covered by the policy is entitled to the maximum benefit as specified in th e  table of cover .

Benefits Explained

Section 1: cancelling your trip, what is covered:.

A. This benefit covers you in the event that you are prevented from traveling due to the reasons listed below and are forced to cancel your trip, if they happen within 30 days before you are due to leave Singapore.

• Death, serious sickness, or serious injury that you, your family member, or travelling companion may suffer. This applies if you purchased your policy at least three days before leaving Singapore, unless the event is solely accidental in nature.
• Government authorities are preventing you from travelling overseas due to an infectious disease.
• Sudden riots, strikes, or civil commotions occurring in Singapore or at your planned travel destination.
• Natural disasters occurring in Singapore or at your planned travel destination.
• Serious damage to your home caused by a fire or natural disaster.

B. This benefit covers you If you are prevented from travelling due to the reasons listed below and are forced to cancel your trip, if any of the following happens at any time before you are due to leave.

• The flight is cancelled by the airline due to the closing of the airport, runway, or airspace, or poor weather conditions that force airplanes to be grounded.
• You have to appear in court as a witness during your trip, and you were not aware of this when you took up the policy.
• You are forced to cancel your trip because you are a child, and your travelling companion, who is your guardian, has to cancel their trip due to one of the reasons listed in A or B above.

C. If you must cancel your trip for reasons listed in A or B, this benefit will only be paid after receiving documented evidence that your claim was denied, rejected, or partially paid by the transportation or accommodation provider.

What is not covered:

Besides the general exclusions listed in Part 4 of the General Conditions, this benefit will also not pay for the following, or for loss or liability directly or indirectly caused by the following:

• Any expenses resulting from your failure to promptly notify the travel agent, tour operator, transport, or accommodation providers as soon as you become aware of the need to cancel your trip.
• Costs related to prepaid or non-refundable expenses for unused local excursions, tours, seminars, courses, theatre shows, theme parks, sporting events, concerts, or any other charges unrelated to transportation or accommodation.
• Compensation for using air miles, holiday points, membership rewards, or credit card redemption to partially or fully pay for the trip.
• You decide not to travel when the conditions listed in A2 to A4 have not actually occurred.
• If you opt not to travel due to the non-serious illness or injury of a family member or travelling companion.
• Claims arising from events that were already known or anticipated.
• Claims resulting from pre-existing medical conditions or illnesses you were aware of before purchasing the policy. It’s important to note that if you are covered under the Enhanced PreX Superior or Prestige plan, this pre-existing medical condition exclusion will not apply to you, but it will remain in effect for your family members and travelling companions who are not covered under the Enhanced PreX Superior or Prestige plan.
• Compensation for flight cancellations arising from airline-related issues, including aircrew rotation, rescheduled flights, operational requirements, or mechanical breakdown of the aircraft on which you have a pre-scheduled reservation.

Section 2: Postponing Your Trip

A. If you are unable to embark on your trip due to the following circumstances and need to postpone your journey within 30 days before your departure from Singapore:

• The occurrence of death, severe illness, or a significant injury affecting you, a family member, or your travel companion. However, this is applicable only if you purchased your policy at least three days before your departure, unless the event is purely accidental.
• The imposition of travel restrictions by government authorities due to your infectious disease.
• A sudden outbreak of a riot, strike, or civil commotion in Singapore or your planned destination.
• Natural disasters striking either Singapore or your intended destination.
• Substantial damage to your residence caused by a fire or natural calamity.
• If your journey is significantly interrupted for a continuous period of at least 12 hours because the public transport you are using as a passenger has been hijacked.
• If your flight is cancelled by the airline due to circumstances such as airport closure, runway closure, airspace closure, or adverse weather conditions that result in the grounding of the aircraft.

B. If you are unable to embark on your journey due to the circumstances mentioned below and are forced to reschedule your trip, and in case any of the following situations arise at any time before your scheduled departure:

• In the event of flight cancellation by the airline due to airport, runway, or airspace closures, or adverse weather conditions leading to the grounding of aircraft.
• If you find yourself summoned to court as a witness during your trip, an occurrence that you were unaware of when you acquired the policy.
• Should you need to postpone your trip because you are a minor, and your guardian, who is your travel companion, has to cancel their trip due to one of the reasons detailed in A or B above.

C. Should you be compelled to reschedule your trip due to any of the reasons outlined in A or B above, the Insurer will only process your claim once you furnish them with written or documentary evidence confirming that your claim has been denied, declined, or partially settled by the transport or accommodation provider.

• Failure to promptly notify the travel agent, tour operator, transport, or accommodation providers once you know the need to postpone your trip.
• Incurred additional expenses resulting from upgrading to a higher class or category of transportation or accommodation compared to your original itinerary. For example, any supplementary costs associated with changing from a budget airline to a commercial airline.
• Expenses that are prepaid or non-refundable and cannot be recovered.
• Compensation claims for air miles, holiday points, membership rewards, or credit card redemptions used for partial or full payment of the trip.
• Your decision not to proceed with your travel plans when an event described in A2 to A4 has not occurred.
• Electing to postpone your travel due to the sickness or injury of a family member or travel companion, provided that it is not a serious illness or severe injury.
• Claims arising from events that were already known or foreseeable.
• Claims stemming from pre-existing medical conditions or any illnesses you were aware of, including conditions you, your family member, or your travel companion suffered. Please note that if you are covered under the Enhanced PreX Superior or Prestige plan, the exclusion for pre-existing medical conditions will not apply to you, but it will still be in effect for your family members and travel companions who are not covered under these plans.
• Claims arising from flight cancellations due to airline-related issues such as aircrew scheduling changes, rescheduled flights, operational requirements, or mechanical breakdown of the aircraft for which you had a pre-booked flight.

Section 3: Shortening Your Trip

Aside from Section 2.B.3 and Section 2.C, this benefit also covers the following:

A. In the event that you need to cut your trip short and return to Singapore due to the following circumstances:

• Death, severe illness, or significant injury affecting you, a family member, or your travel companion.
• Authorities are preventing your further travel due to your contagious illness.
• A sudden outbreak of riots, strikes, or civil commotion at your destination or planned travel location.
• Natural disasters occurring at your current location or your intended destination.
• Severe damage to your residence resulting from a fire or natural disaster.
• A disruption to your trip lasting at least 12 consecutive hours due to the hijacking of public transportation in which you are a passenger.
• Flight cancellation by the airline due to the closure of the airport, runway, or airspace, or adverse weather conditions resulting in the grounding of aircraft.

Besides Section 2, Excluded items 1, 2, 3, and 4. This benefit also excludes the following:

• The part of the trip before you cut short your trip.
• If you choose to cut short your trip because of sickness or injury to a family member or travelling companion that is not a serious sickness or serious injury.
• Compensation for any air miles, holiday points, membership, or credit card redemption you use to pay for all or part of the trip.
• Claims that result from any known event.
• Claims that result from a pre-existing medical condition or any sickness you knew about, including conditions suffered by you, your family member, or your travelling companion. If you are insured under the Enhanced PreX Superior or Prestige plan, the preexisting medical condition exclusion will not apply to you, but will still apply to your family members and travelling companions who are not insured under the Enhanced PreX Superior or Prestige plan.
• The cost of your unused portion of the original transport ticket back to Singapore, which you have already paid for.
• Claims that result from flights being cancelled due to any fault on the part of the airline, such as aircrew rotation, rescheduled flights or operational requirements, or mechanical breakdown of the aeroplane in which you have a pre-booked flight.

Section 4: Trip Disruption

Aside from Sections 3.B and 3.C, this benefit also covers the following:

A. Trip Disruption Coverage Overseas

• Serious Sickness or Injury: If you or your traveling companion experience a serious illness or injury, you must provide a medical report from a General Practitioner or other medical professional confirming the severity of the condition.
• Riot, Strike, or Civil Commotion:Coverage applies in the event of sudden riots, strikes, or civil commotions at your destination or planned travel location.
• Natural Disasters:Protection is provided if natural disasters occur at your destination or intended travel spot.
• Flight Cancellation: Coverage includes situations where your flight is canceled by the airline due to airport closures, runway shutdowns, airspace closures, or adverse weather conditions leading to grounded airplanes.

Aside from Section 3, excluded items 1, 2, and 3, this benefit also excludes the following:

• Failure to Notify Providers: Coverage does not extend to additional expenses resulting from delayed notification to travel agents, tour operators, or transportation and accommodation providers about your trip changes.
• Prepaid Expenses: No coverage for non-refundable expenses, including unused transport, accommodations, local excursions, tours, seminars, courses, theatre shows, theme parks, sporting events, or concerts that you have already paid for.
• Portion of Trip Before Changes: Expenses related to the portion of the trip before alterations are not covered.
• Companion’s Non-Serious Sickness or Injury:Changes made due to your traveling companion’s sickness or injury, which is not classified as serious, are not covered.
• Compensation Methods:Claims do not include compensation for air miles, holiday points, memberships, or credit card redemptions used to fund all or part of the trip.
• Known Events:Claims resulting from events already known to you are not covered.
• Preexisting Medical Conditions: Claims stemming from preexisting medical conditions, including those of you, your family members, or traveling companions, are not covered. Enhanced PreX Superior or Prestige plan holders are exempted, except for their uninsured family members or traveling companions.
• Unused Portion of Transport Ticket: The cost of the unused segment of the original transport ticket back to Singapore, which has already been paid, is not covered.
• Airline Operational Faults: Claims arising from airline faults like aircrew rotations, rescheduled flights, operational requirements, or mechanical breakdowns of pre-booked airplanes are not covered.

Section 5: Travel Delay

A. Trip Delay Due to Public Transport

• Coverage is applicable if the public transport you’re scheduled to use during your trip is delayed for over six consecutive hours, and you are not the cause of the delay. Written proof, including the reason for the delay, must be obtained from the transport operator or their handling agent.

What is Not Covered:

• Failure to Follow Itinerary: Claims do not apply if you fail to board public transport according to the specified time provided in the itinerary.
• Known Delays: Claims resulting from delays known to you or the public at the time of purchasing this policy are not covered.
• Late Check-Ins: Coverage does not extend to situations where you check in late at the airport, port, or station.

Section 6: Missed Connection

A. Coverage applies if you miss your travel connection due to a delay in the arrival of the scheduled public transport. This applies if you have a confirmed reservation and no alternative travel arrangement is made available to you within six hours of the scheduled departure of your onward travel connection. You must obtain written proof of your missed connection from the transport operator (flight, rail, coach, or ferry with a fixed itinerary) or their handling agents.

What is not covered: 

Please read the General Exclusions listed i n  Part 4 of the General Conditions .

Section 7: Overbooked Public Transport

A. Coverage applies if you are not allowed to board a form of public transport for which you have previously received confirmation, and this denial is due to overbooking. If no compensation or alternative transport is provided to you within six hours of the scheduled departure time, you must obtain written proof of being denied boarding from the transport operator of the public transport (whichever applies) or their handling agents.

Please refer to the General Exclusions listed i n  Part 4 of the General Conditions .

Section 8: If The Travel Agency Becomes Insolvent

A. Coverage applies if you are forced to abandon your trip because the travel agency, transport provider, or tour operator ceases operations and cannot fulfill part or the entirety of your trip. To be eligible for this coverage, you must have purchased the policy at least three days before your scheduled departure.

Besides the General Exclusions listed in Part 4 of the General Conditions, the Policy will also not pay for the following, or for loss or liability directly or indirectly caused by the following:

• Unused Local Activities and Entertainment: Expenses for unused local excursions, tours, seminars, courses, theatre shows, theme parks, sporting events, concerts, and any other charges not related to transport and accommodation that are prepaid or non-refundable are not covered.
• Compensation Using Reward Points or Memberships: Compensation for any air miles, holiday points, membership rewards, or credit card redemption used to pay for all or part of your trip is not covered under this policy.
• Bankruptcy or Ceasing Operations Before Policy Purchase: If the travel agency, transport provider, or tour operator filed for bankruptcy or a similar petition or ceased operations before the policy was purchased, claims related to these events are not covered.
• Claims arising from government regulations or control are not covered by this policy.

Section 9: Baggage Delay

A. If your checked-in baggage has been delayed, misdirected, or temporarily misplaced by any transport operator for more than six hours in a row while you are in Singapore or overseas, you are covered. To make a claim, you must obtain written proof from the transport operator or their handling agent stating the period of delay and the reason for the delay.

• Any claims on the same baggage by more than one insured.
• Any claims under 1A if the baggage was not received overseas.

1A. Coverage for Delayed Baggage Overseas:

If your baggage is delayed while overseas, the Policy will provide you with a cash benefit for every continuous six-hour period of delay. The calculation starts from the time you arrive at your final destination overseas until the moment you receive your baggage.

Section 10: Loss or Damage of Luggage and Personal Belongings

If your baggage or personal belongings are lost or damaged due to an accident or theft while overseas, the following conditions must be met for coverage:

• Taking Precautions: You should have taken all reasonable precautions to secure your belongings and prevent loss or damage.
• Reporting the Loss: Report the loss to local authorities, such as the police or relevant agencies (e.g., hotel, airline, or transport operator), within 24 hours of discovering the loss or damage. Provide the Insurer with a copy of the police report or a written document from the relevant authority detailing the loss or damage, along with all relevant receipts or proof of purchase.
• Initial Claim with Service Provider: File any claims related to loss or damage to your baggage or personal belongings while in the custody and care of the transport or accommodation provider with the respective service provider initially.
• Adjustment of Claim: The Insurer will adjust your claim based on the amount refunded to you by the transport or accommodation provider. Your claim will be processed only after you provide written or documentary evidence that your claim has been denied, rejected, or partially paid by the transport or accommodation provider.

Besides the General Exclusions listed in Part 4 of the General Conditions, the Policy will also not pay for the following or for loss or liability directly or indirectly caused by the following:

• Checked Baggage: Baggage separately checked in advance is not covered.
• Wear and Tear: Claims related to wear and tear, including scratches, discolouration, stains, tears, or surface dents that do not affect an item’s functionality, as well as claims arising from atmospheric or climatic conditions, gradual deterioration, pests, insects, or damage during repair procedures, are not covered.
• Confiscation: Items confiscated or held by customs or authorities are not covered.
• Motor Vehicles: Claims for motor vehicles, including their accessories, are not covered.
• Special Items: Claims for fragile items, antiques, artifacts, manuscripts, paintings, musical instruments, dentures, fur, contact lenses, or corneal lenses are not covered.
• Perishables: Claims for fruits, perishables, consumables, and animals are not covered.
• Information Loss: Claims for the loss of or restoration of lost or damaged information stored in tapes, cards, discs, or other storage devices are not covered.
• Business Goods: Claims for business goods or equipment of any kind are not covered.
• Valuables: Claims for money, securities, stamps, debit or credit cards, cash cards, Ez link cards, bonds, and coupons are not covered.
• Travel Documents: Claims for identity cards, passports, travel passes, tickets, and travel documents are not covered.
• Belongings: Claims for any item that does not belong to you are not covered.
• Mysterious Disappearance: Unexplained and mysterious disappearance of your baggage or personal belongings is not covered.
• Deliberate Acts: Claims resulting from your deliberate acts, failures to act, negligence, or carelessness are not covered.
• Unattended Items: Claims resulting from your items being lost or damaged when left unattended in a public place, not in the custody of an authorised party (including transport and accommodation providers like airlines, trains, ferries, hotels, and resorts) are not covered.
• Invited Guests: Claims resulting from deliberate acts of anyone you or your travelling companion invited to join you or your travelling companion at any time during your trip are not covered.

Section 11: Losing Money

A. Stolen Money Overseas

If your money is stolen from you while you are overseas, you must demonstrate that:

• You have taken all possible steps and exercised care to ensure that your money is securely stored and not left unattended in a public place.
• You have reported the loss to the police at the location where the loss occurred within 24 hours of discovering it. You must provide the Insurer with a copy of the police report, including details of the loss.

Besides the General Exclusions listed in Part 4 of the General Conditions, the Policy will also not pay for the following, or loss or liability directly or indirectly caused by the following:

The Insurer will not be liable for any claims related to the loss of money while you are overseas if:

• You fail to report the loss to the police or the relevant authority within 24 hours of discovering it.
• You do not exercise due care and precautions to ensure the safekeeping of your money.
• The loss is due to changes in exchange rates or the devaluation of currencies.
• The money was not under your care and custody at the time of the loss.
• The loss is unexplained or involves the mysterious disappearance of your money.
• The claim arises from your deliberate actions, failures to act, negligence, or carelessness.
• The claim results from deliberate acts by individuals you or your travelling companion invited to join you during your trip.

Section 12: Losing Travel Documents

A.If your passport or travel documents are accidentally lost or stolen while you are overseas, you must fulfill the following conditions:

• You have taken all steps and observed due care to ensure that your passport and travel documents are secure and not left unattended in public places.
• You have reported the loss to the police or the relevant authority where the loss occurred within 24 hours after discovering it.
• Claims arising from the loss of your passport or travel documents while they are in the custody and care of the transport or accommodation provider should be directed to the service provider first.
• The Insurer will adjust your claim amount based on any refund received from the transport or accommodation provider. The Insurer will process your claim only after you provide them with written or documentary evidence confirming the denial, rejection, or partial payment of your claim by the transport or accommodation provider.
• Ticket Replacement: Expenses incurred in purchasing new air or train tickets to replace lost, stolen, or unusable tickets due to changes in travel dates are not covered.
• Failure to Report Loss: Claims are not accepted if the loss is not reported to the police or relevant authorities within 24 hours of discovery.
• Negligence in Safekeeping: The Insurer will not cover losses resulting from negligence in safeguarding your passport and travel documents.
• Mysterious Disappearance: Coverage does not extend to the mysterious disappearance of your passport or travel documents.
• Deliberate Actions and Negligence: Claims arising from your deliberate actions, negligence, or carelessness are not covered.
• Unattended Items: Loss of items left unattended in public places, not in the custody of authorized parties like airlines, trains, ferries, hotels, or resorts, is not covered.
• Acts of Invited Individuals: Claims resulting from deliberate acts committed by individuals invited by you or your traveling companion during the trip are excluded from coverage.

Section 13: Personal Accident

• Personal Accident Cover: If you are involved in an accident during your trip that results in injury and leads to your death or permanent disability within 90 days from the accident date, the personal accident cover will be applicable.
• Public Transport Double Cover for Accidental Death: In the event of an accident involving public transport while you are overseas and on board as a fare-paying passenger, if your death occurs solely due to this accident within 90 days from the date of the accident, the public transport double cover for accidental death will be applicable.
• Sickness-Related Disabilities or Deaths: Disabilities or deaths caused by sickness are not covered. For example, claims will not be paid if the cause of death or permanent disability is a heart attack or a stroke that occurred during the trip.
• Pre-existing Physical Disabilities: Any physical disability that existed before the trip is not eligible for coverage under this policy.
• Pre-existing Medical Conditions: Claims arising from pre-existing medical conditions or any sickness that you were aware of before the trip are not covered by this policy.

Section 14: Overseas Medical Expense

A. Medical Treatment During Your Trip: If you unexpectedly suffer an injury or sickness during your trip and require medical treatment while overseas, the Insurer provides coverage. To process your claim, you must provide a written report of your medical condition from your medical practitioner, along with the original medical bills and receipts.

Besides the General Exclusions listed in Part 4 of the General Conditions, the Policy will also not pay for the following, or loss or liability directly or indirectly caused by the following.

• Planned or Prearranged Overseas Medical Treatment: The Insurer does not cover medical treatments that have been planned or prearranged in advance.
• Dental Treatment for Tooth, Gum, or Oral Diseases: Claims for dental treatment resulting from tooth, gum, or oral diseases, or from the normal wearing of your teeth, are not covered.
• Pre-existing Medical Conditions or Known Sickness: Claims resulting from pre-existing medical conditions or any sickness you were aware of before the trip are not covered, unless you are insured under an Enhanced PreX plan.
• Enhanced PreX Plan Exclusions: For individuals insured under an Enhanced PreX plan, the first $100 for each visit for outpatient medical treatment related to pre-existing medical conditions or known sickness is not covered.
• COVID-19 Vaccine Complications Abroad: Any expenses incurred for COVID-19 vaccine complications are not covered if the vaccine or vaccination is not administered in Singapore or not approved by the Singapore government authorities at the time of vaccination.

Section 15: Medical Expenses in Singapore

A. Post-Trip Medical Treatment in Singapore: If you suffer an injury or sickness during your overseas trip and require treatment upon your return to Singapore, the Insurer will cover your medical expenses. To process your claim, you need to provide a written report of your medical condition from your medical practitioner, along with the original medical bills and receipts.

• Dental Treatment Exclusions: Claims for dental treatment due to teeth, gum, or oral diseases, or from the normal wearing of your teeth are not covered.
• Pre-Existing Medical Conditions and Known Sickness: Claims resulting from a pre-existing medical condition or any sickness you were aware of before the trip are not covered.
• COVID-19 and Vaccine Complications: Claims resulting from COVID-19 or complications related to the COVID-19 vaccine are not covered.

Section 16: Treatment by a Chinese Medicine Practitioner or a Chiropractor

• Outpatient Treatment by Chinese Medical Practitioner or Chiropractor:

If you suffer an injury or sickness while on your overseas trip and require outpatient treatment by a Chinese Medical Practitioner or a Chiropractor, the policy covers these expenses.

Documentation Requirements: You must provide a written report of your medical condition from your Chinese Medical Practitioner or Chiropractor, along with original medical bills and receipts for the treatment received.

• Claims for dental treatment due to tooth, gum, or oral diseases, or from the normal wearing of your teeth.
• For outpatient treatment overseas:

a. Claims that arise from a preexisting medical condition are not covered unless you are insured under an Enhanced PreX plan.

b. For outpatient treatment in Singapore:

Claims that arise from COVID-19, COVID-19 vaccine complications, any pre-existing medical condition, or any sickness you knew about.

• If you are insured under an Enhanced PreX plan, the first $100 for each visit for your overseas outpatient treatment arising from your pre-existing medical condition.

Section 17: Overseas Hospital Allowance

• Overseas Inpatient Hospital Stay: If you have to stay in the hospital as an inpatient overseas, the policy covers the expenses related to your hospitalization. Please note that this benefit will end once you leave the overseas hospital.
• Preexisting Medical Conditions: Claims resulting from a preexisting medical condition or any sickness you were aware of are not covered, unless you are insured under an Enhanced PreX Superior or Prestige plan.

Section 18: Emergency Medical Evacuation

A. If you are in a life-threatening condition due to an injury or sickness while overseas and our assistance company deems it medically necessary to transport you to the nearest medical facility for treatment (whether overseas or in Singapore).

B. If you need to return to Singapore for recuperation or continued treatment after being transferred to an overseas medical facility for treatment, as described in Section A above.

• Claims resulting from services not arranged or approved by the Insurer or its duly appointed assistance company.
• Claims that result from a pre-existing medical condition or any sickness you were aware of, unless you are insured under an Enhanced PreX plan.

Section 19: Sending You Home

A. If you pass away after suffering an injury or sickness while overseas.

Besides the General Exclusions listed in Part 4 of the General Conditions, the Policy will also not pay for the following, or for loss or liability directly or indirectly caused by the following.

• Claims resulting from services that were neither arranged nor approved by the Insurer or its duly appointed assistance company.
• Claims arising from preexisting medical conditions, except for those covered under an Enhanced PreX plan.

Section 20: Compassionate Visit

A. If you sustain an injury or illness during your journey, requiring a hospital confinement overseas for a minimum of three full days, and your medical condition prevents your return to Singapore for treatment, with no adult family member accompanying you during your hospitalisation.

B. If you pass away due to injury or illness while overseas, and no adult family member is around to handle funeral preparations or make arrangements for the repatriation of your remains back home.

• Claims arising from preexisting medical conditions or illnesses that you were aware of, except when you are covered under an Enhanced PreX Superior or Prestige plan.

Section 21: Kidnap and Hostage

A. If you are taken hostage due to a kidnapping incident lasting for a continuous 24-hour period while you are abroad. To make a claim, you must provide substantiating evidence that the event occurred, and the insurer requires prompt notification and ongoing updates regarding the situation. You must report the kidnapping to the relevant law enforcement authority within 24 hours once you can contact them.

• Claims arising from your involvement in aiding others to commit a crime or your own criminal actions.
• Claims originating in your country of residence, Central or South American countries, African countries, or any nation where United Nations armed forces are currently deployed and engaged in active operations.

Section 22: Emergency Phone Charges

A. If you must contact the Insurer’s assistance company in the event of a medical emergency for which you have filed a claim that falls under Sections 13, 14, 16, 18, or 19, and which the Insurer will reimburse.

• Claims stemming from pre-existing medical conditions or illnesses you were aware of, except if you are covered under an Enhanced PreX plan.

Section 23: Home Cover

A. If your home contents are lost or damaged due to a fire while your home in Singapore is unoccupied during your trip.

• Wear and Tear, Cleaning, and Gradual Damage:Claims related to wear and tear, loss in value, or gradual damage over time, including cleaning or dyeing of items, are not covered. This also includes damage due to light, atmospheric conditions, moths, insects, or vermin.
• Damage from Repairs or Restoration: Claims arising from damages caused by repair or restoration activities are excluded.
• Deliberate Acts and Criminal Involvement: NTUC Income Travel Insurance won’t cover claims resulting from deliberate acts or if you’ve assisted someone in committing a crime.
• Government Actions: Claims for losses due to government authorities confiscating, seizing, or unlawfully occupying your property, vehicle, or premises are not included.
• Electrical or Mechanical Breakdown: Damages due to electrical or mechanical breakdowns are not covered.
• Theft During or After a Fire: Claims related to theft during or after a fire incident are not eligible.
• Indirect Losses: NTUC Income Travel Insurance does not cover indirect losses of any nature.
• Business or Professional Equipment: Claims for the loss of business or professional use items such as photographic equipment, sports gear, and musical instruments are excluded.
• Loss of Vehicles and Accessories: Loss or damage to motor vehicles, boats, bicycles, or their equipment and accessories is not covered.
• Reporting Timeframe: Claims must be reported to the police or relevant authorities within 24 hours of discovering the loss. Failure to do so may result in non-coverage.
• Tenant’s Property and Home Contents: Loss or damage to a tenant’s property or home contents that you don’t own are not covered.
• Data and Information Loss: NTUC Income Travel Insurance does not cover the loss of data or expenses incurred in restoring lost or damaged information stored on tapes, cards, discs, or other storage devices.

Section 24: Personal Liability

A. If you are held liable for unintentionally:

• Injuring someone while abroad; or
• Damaging or causing loss to someone’s property while abroad.
• Any claim due to your deliberate, malicious, unlawful act or neglect. 
• Any claim for loss or damage to property in your custody or ownership
• Any claim resulting from legal services the insurer has not authorised in advance.
• Any legal responsibility, injury, loss, or damage to your family member or employee.
• Any legal responsibility that results from you owning or using weapons, animals, vehicles, aircraft, or watercraft.
• Any legal responsibility that results from or is connected to your trade, business, or profession.
• Any legal responsibility that you have under a contract.
• Any court judgment which is not delivered by a court within Singapore.
• Any court judgment which is being appealed by you or on your behalf.
• Any liability resulting from passing on a communicable disease to others.
• Any liability that results from your abuse of controlled drugs.
• Any liability that results when you are under the influence of drugs or alcohol.
• Any liability resulting from riding or racing in races or rallies.
• Any liability that is caused by your involvement in polluting or harming the environment.
• Any claim for punitive, aggravated, or exemplary damages (damages aimed at punishing you or making an example of you).

Section 25: Rental Vehicle Excess Cover

A. If there is a loss or damage to your rental vehicle due to an accident during your trip, you must provide the following evidence:

• Proof of Rental Vehicle:

To qualify for coverage related to a rental vehicle, you need to provide proof that the vehicle was rented from a licensed rental agency and that you were either a named driver or co-driver. The essential documents you need include:

• Vehicle Rental Agreement: A copy of the rental agreement is a must. It clearly indicates your association with the vehicle, specifying your role as a named driver or co-driver.
• Payment Receipts: Present receipts demonstrating payment of the rental excess or deductible. This financial record is crucial and showcases your financial responsibility concerning the rental.
• Accident or Damage Reports: Any reports related to the accident or the lost or damaged rental vehicle are essential. These reports provide crucial details about the incident, helping validate your claim.
• Comprehensive Motor Insurance:

Another critical aspect is having comprehensive motor insurance in place when you rent a vehicle. Ensure that this policy covers the loss or damage to the vehicle throughout the entire rental period. This means that your insurance coverage must align with the rental duration and include provisions for potential accidents or damages.

• Custody and Control: The Policy does not cover any loss or damage to the rental vehicle that occurs when the vehicle is not under your direct custody and control. It’s crucial to ensure the vehicle is in your possession to qualify for coverage.
• Time and Rental Period: Claims related to loss or damage to the vehicle outside the rental period or beyond the coverage period specified in the insurance policy will not be considered. The incident must occur within the designated rental period for eligibility.
• Violations and Legal Compliance: The Policy will not cover claims resulting from violations of the vehicle rental agreement or the laws, rules, and regulations of the country where the vehicle is rented or driven. Adhering to legal requirements and rental terms is essential for coverage.
• License and Activities: Claims for loss or damage to the vehicle will not be accepted if, at the time of the accident, you were not licensed to drive the vehicle. Additionally, engaging in speed or time trials of any kind, whether participating or practicing, renders the claim ineligible.
• Wear and Tear, Gradual Deterioration, and Repair Damage: Loss or damage arising from wear and tear, gradual deterioration, or damage incurred during any repair process is not covered. The insurance policy does not extend to damages resulting from these natural or repair-related processes.

Section 26: Full Terrorism Cover

A. If any of the losses covered under Sections 1 to 25 are related to an act of terrorism, the Insurer will cover for the loss, subject to certain limits as specified in Section 26 of your plan, as outlined in the table of cover.

• In addition to the General Exclusions detailed in Part 4 of the General Conditions, the Insurer will also not provide coverage for the conditions specified in sections 1 to 25.

Section 27a: COVID-19 cover extension (For sections 1 to 25 except section 15)

A. If any of the losses covered under Sections 1 to 25 (except Section 15) occur due to you, your travelling companion, or your family member (where applicable) testing positive for and suffering from COVID-19, it is mandatory to comply with all vaccination, pre-departure tests, and post-arrival test requirements (if any) mandated by the destination country or transport operator at the time of the trip.

While you are not required to submit the test result or proof of vaccination at the time of purchase, it must be provided when submitting a claim under this section. Additionally, you must ensure that all the conditions specified in the relevant section of your plan are adhered to. For example, under Section 1: Cancelling your trip, COVID-19 must still lead to a serious sickness to be eligible for coverage.

• Coverage for any expenses incurred for mandatory COVID-19 diagnostic tests that you are required to undergo for the trip, including tests like Antigen Rapid Test (ART), Polymerase Chain Reaction (PCR) test, rostered routine tests, pre-departure tests, and post-arrival tests is excluded.
• Exclusions apply to any claims arising from border closures, government advisories against travelling, or your personal decision to travel.
• Claims resulting from a COVID-19 diagnosis or possible exposure that you were aware of at the time of purchasing this policy or planning your trip are not covered.

Section 27b: Overseas quarantine allowance due to COVID-19

A. If you are diagnosed with COVID-19 by an approved test provider or a medical practitioner during your trip and are subsequently placed under mandatory quarantine in a quarantine facility overseas, the following conditions must be met:

You are required to fulfil all vaccination, pre-departure tests, and post-arrival test requirements, if any, imposed by the destination country or transport operator at the time of your trip.

While it is unnecessary to provide the test result or proof of vaccination at the time of policy purchase, you must furnish these documents when submitting a claim under this section.

You must provide written confirmation from local authorities regarding the nature and details of your quarantine.

• Any expenses related to mandatory COVID-19 diagnostic tests required for the trip, such as Antigen Rapid Tests (ART), Polymerase Chain Reaction (PCR) tests, routine tests, pre-departure tests, and post-arrival tests.
• Claims arising from border closures, government advisories against travelling, or your personal choice not to travel.
• Claims where the quarantine period falls outside the originally scheduled trip duration unless your policy is automatically extended as per general condition 2.
• Claims when quarantine orders are mandated by local authorities for all travelers arriving in the country or for travelers from a specific country or region.
• Claims related to COVID-19 diagnosis or possible exposure that you were already aware of when purchasing this policy or booking your trip.
• Additional costs incurred during quarantine.
• Claims if you stay in a residence that belongs to you, your friends, family members, or anyone related to you.
• Claims incurred during the quarantine period if the Insurer paid for your accommodation expenses under Section 4, or paid under Sections 14 or 17 for the same event.

NTUC Income Travel Insurance Claims Process

To submit a claim with NTUC Income you have 2 options: 

• You can dial their Customer Service Hotline at (65) 6788 6616 or their Emergency Assistance number at (65) 6338 1222
• Visit their official website to log in to NTUC Income Tr avel  Online Portal  and follow a d etailed guide of instructions. 

Please take note of the following:

• Claims must be filed within 30 days of the insured incident.
• Ensure al l  necessary documents  an d information are submitted with your claims.
• Typically, it takes 10 working days to process your claims once all required documents are received. However, processing times may take longer during peak travel periods.

Other things to note about NTUC Income

NTUC Income has a strong reputation as an excellent financial service provider and has won numerous industry awards, including the Singapore Digital Experience of the Year – Financial Services in   2022  and the Best Insurance Technology Solution at the 2023 Singapore Business Review Technology Excellence  Awards.

NTUC Income’s commitment to transparency and customer satisfaction is evident in the sufficiency of information about its travel insurance plans on its website, with each benefit limit amount for each benefit category laid out in great detail.

This makes it easy for customers to compare NTUC Incomes’ plans to those of other insurers and choose the one that best meets their needs. 

It is also a sign that NTUC Income is confident in its products and services and is committed to providing its customers with the best possible experience.

My Review of NTUC Income’s Travel Insurance

In this section, the insurers that we’re comparing NTUC Income against are:

• AIG Travel Guard Direct 
• AIA Around the World Plus (II) 
• Allianz Travel Bronze
• Klook TravelCare 
• MSIG TravelEasy 
• NTUC Income Travel Insurance
• Sompo Travel (COVID-19) Insurance 
• Singlife Travel Insurance 
• Etiqa TIQ Travel Insurance (with COVID-19 cover)

We also took only some of the more notable benefits for comparison. 

The comparison will be based on coverage for an individual travelling to Thailand for one week, using the lowest-tiered plan offered by all insurers. 

Also, we will include an add-on for COVID-19 benefits.

When we look at the benefit you get for the cost, NTUC Income Travel Insurance is somewhere in the middle for single trips. In short, it’s pretty average.

The one standout feature is that it offers the highest amount of money for overseas travel delay, up to $1,000, more than most other insurers provide. 

It also has one of the highest benefit limits for overseas medical expenses and baggage loss or damage.

Your best option might be to keep an eye out for promo codes on their website. 

They offer these codes every now and then, which can help lower the total price of your premium. 

This way, you can get more value for your money with their travel insurance plans.

Now, let’s compare the insurers that offer annual trip coverage. (We’re leaving out Sompo Travel Insurance because they don’t provide insurance for yearly trips.)

We’re looking at what they offer for someone travelling to Thailand once a year, focusing on the cheapest plans from all the insurers.

Now, when it comes to yearly trips, things change quite a bit.

In this scenario, NTUC Income secures the 6th spot out of 8 in terms of value for your money. They offer the 6th best benefits for the lowest premium.

They may not be the cheapest, but it’s worth noting that NTUC Income still offers one of the highest benefit limits for overseas medical expenses and baggage delays.

And remember, if NTUC Income happens to release any promo codes that can help you save even more, make sure to use them when you’re making your purchase.

Overall, NTUC Income Travel Insurance plans are a practical choice for your upcoming trips. 

They cover the essentials, from medical protection to handling travel issues.

What sets NTUC Income apart?

First, they offer good value-for-money plans, even for annual trips. This means you can get comprehensive coverage at reasonable prices, which is great for frequent travelers.

And they have 2 different plan options (Standard and Enhanced PreX), each with 3 different tiers to suit your travel needs. 

You can also buy their insurance up to 6 months before your trip, giving you plenty of time to decide.

Moreover, NTUC Income stands out with its coverage for pre-existing medical conditions (under the Enhanced PreX Plans). This is a significant advantage for travelers with existing health issues.

But if you’re looking for the cheapest insurance, their premiums might not be the lowest. 

Their medical coverage, while good, might not be as extensive as some competitors like Singlife Travel Insurance or MSIG TravelEasy.

Remember, there’s no one-size-fits-all solution for travel insurance. It’s a good idea to do some research online and consider your specific travel circumstances before making a decision. Your choice should match your needs and priorities to ensure a worry-free trip.

Disclaimer: Each article written obtained its information from reliable sources and should be purely used for informational purposes only. The information provided by Dollar Bureau and its affiliated parties is not meant to be construed as financial advice. Dollar Bureau shall not be held liable for any inaccuracies, mistakes, omissions, and losses incurred should you act upon any information listed on this website. We recommend readers to seek financial planning advice from qualified financial advisors. 

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NTUC Income launches FlexiTravel short trip travel insurance product

Singaporean insurance cooperative ntuc income has launched a new travel insurance product for short trips which enables travellers to purchase insurance by the hour.

Premiums for the new product, known as FlexiTravel Hourly Insurance, start at S$1.80 for the first six hours, with additional hours of coverage being charged at a rate of $0.30 per hour, capped at a maximum charge of $3 per day.

The policy is currently only available to travellers visiting Malaysia and the Indonesian Bintan and Batam, and is targeted at Singaporeans planning short, impromptu regional trips such as driving to Malaysia for a few hours.

The policy is purchasable via NTUC Income’s My Income app, enabling travellers to easily activate or stop their coverage when it is no longer required. In addition, the app’s geolocation functionality enables users to receive notifications reminding them to activate the plan when it detects that they are entering or leaving Singapore. Travellers can also update their travel details via the app to terminate or extend the plan manually.

The policy is intended to make it easier for Singaporeans who feel it is expensive or a hassle to purchase travel insurance for such short trips.

Vice President and Head of Personal Lines at NTUC Income Annie Chua, said:Top of FormBottom of Form “The recent relaxation of travel-related measures has injected fresh enthusiasm among Singaporeans over the possibility of travelling again. The launch of FlexiTravel Hourly Insurance is timely in catering to the evolving needs of travellers, such as short trips to nearby destinations and travelling amidst the pandemic, so they can now travel with peace of mind as they stay protected by the hour as needed.”

A recent survey by MSIG and Ancileo, also found that three in five Singaporeans plan to travel abroad in 2022 , with the vast majority also interested in purchasing travel insurance for their trip.