ntuc income travel insurance email

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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 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 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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NTUC Income travel insurance covers Covid-19

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

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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

Back to top

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, Dream Vacation & More!   | MoneySmart Exclusive]    • Enjoy up to 35% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased.  T&Cs apply.     BONUS:  For a limited time only, stand a chance to score over S$10,000 worth of prizes in our Grand Draw . • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • All Expenses Paid Trip • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550)     Increase your chances of winning when you refer friends  today. 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).

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   30% off  your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased.  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*]    • Receive 2,400 My Millennium Points (worth S$16) with every policy purchased. • Additionally, receive up to S$50 via PayNow with eligible premiums spent. 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 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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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. 

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International Cooperative and Mutual Insurance Federation

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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