singapore life travel insurance

Your Life Stage

Enjoy these special savings when you purchase our plans.

Plan & Earn

Earn rewards as we tailor a holistic Better Plan just for you.

Customer Rewards

Rewards and perks for our Singlife customers.

Individual Claims

Group claims, about singlife.

Personal tips, guides and expert advice to master every aspect of your life

Up to 48% OFF Singlife Travel Insurance Promo

Use promo code TRAVEL25 for single trip plans from now till 30 Apr 2024.

Get the Singlife App

Save, invest, earn, be insured and rewarded all in one app!

Looking for corporate solutions?

Up to 48% OFF Singlife Travel Insurance

This site uses cookies to provide you with a better user experience. By continuing, you accept our cookie policy .

All Other Useful FAQ

Most popular faqs on travel insurance.

Travel Insurance

Choose a topic

Most Popular Questions

COVID-19 cover

Overview and Eligibility

Cover and Benefits

Existing customers

Purchase and Payment

This webpage is published for information only and Singapore Life Ltd. accepts no liability whatsoever with respect to its use or its contents. 

The information contained here is accurate as at 30 Aug 2022.

Didn't find what you needed? We're here for you.

Compare Best Travel Insurance Singapore in 2024

Let’s find the most affordable travel insurance for your trip.

FWD Premium

Cancellation coverage, medical coverage (overseas), bags & belongings coverage.

• Hassle-free claims so you get reimbursed easily and quickly
• Affordable comprehensive coverage for worry-free travel
• 50% reimbursement , even if you have to cancel your trip for any reason
• Enhanced benefits with add-ons for pet care, home content cover, sports equipment and more

Use promo code TRAVEL25 to get 25% off on your plan. Valid till 15 April 2024. T&Cs apply.

Earn a total of 4 miles per S$1 spend on your premium. Valid till 2 May 2024 8:59 am. Travel Miles Campaign and Additional 2 Miles Travel Giveaway T&Cs apply.

Purchase via SingSaver to get the best deal, guaranteed.

Singlife Travel Lite

• Comprehensive coverage for frequent flyer points

Comprehensive coverage for outdoor activities

Additional discounts for MINDEF/MHA/POGIS policyholders

Use the promo code TRAVEL25 to get 25% off when you buy now. Valid till 30 April 2024. T&Cs apply.

MSIG Standard Plan

• Comprehensive coverage for families for all-round protection
• High post-trip local medical coverage for additional peace of mind

Comprehensive medical coverage with the most medical benefits

Coverage for large groups over 20 pax

Get 40% off when you buy NOW! Valid till 30 April 2024. T&Cs apply. Also receive:

• 4 miles per S$1 spend on your premium. Valid till 2 May 2024 8:59 am. Travel Miles Campaign and Additional 2 Miles Travel Giveaway T&Cs apply.
• A free ride to the airport with S$30 Grab voucher (min $60 premium) by the next day, limited quantities available. Valid till 15 April 8:59 am. T&Cs apply.

Starr TraveLead Essential with COVID-19 Coverage (Bronze Plan)

Customisation so you can choose the level of coverage you need

A budget-friendly choice

Extensive coverage for cruise trave l

Use promo code SS45 to get an exclusive 45% discount when you buy now. Valid till 30 April 2024. T&Cs apply. Earn a total of 4 miles per S$1 spend on your premium. Valid till 2 May 2024 8:59 am. Travel Miles Campaign and Additional 2 Miles Travel Giveaway T&Cs apply.

Allianz Travel Hero - ASEAN

• High coverage per dollar , and you get more value the further you travel
• High Covid-19-related coverage for comprehensive protection
• Highest reimbursement for essential items, so you won’t be inconvenienced when your baggage is delayed

This product is available for purchase only via SingSaver.

Great Eastern TravelSmart Premier Classic

Apply via SingSaver to get the best deal, guaranteed. Read more about our Best Deal Guarantee here.

Tiq Travel Entry

Seedly travel safe.

1x 3GB Airalo eSIM before you fly with no minimum spend. Valid till 30 April 2024. T&Cs apply.

• Up to $50 worth of Grab Vouchers. Valid till 30 April 2024. T&Cs apply.
• Stand a chance to win an Apple AirTag (20 sets). T&Cs apply.
• Receive a free ride to the airport with S$30 Grab voucher (min $60 premium) by the next day, limited quantities available. Valid till 15 April 8:59 am. T&Cs apply.

Direct Asia Travel Insurance - DA150

AIG Travel Guard® Direct - Basic

Allied World Travel Protector Classic

HLAS COVIDSafe Travel Protect360 Basic (No COVID Coverage)

SOMPO Travel Insurance (Essential)

Plus, get exclusive cashless outpatient service while travelling in Japan upon purchase of Sompo Travel Insurance. Fulfillment by Sompo.

Starr TraveLead Valuable Secured with COVID-19 Coverage (Bronze Plan)

Starr travelead trip secured with covid-19 coverage (bronze plan), starr travelead comprehensive with covid-19 coverage (bronze plan), direct asia travel insurance - da200, tiq travel savvy, tiq travel luxury, direct asia travel insurance - da500, fwd business, hlas covidsafe travel protect360 enhanced, sompo travel insurance (superior), msig elite plan, singlife travel plus.

50% reimbursement , even if you have to cancel or change your travel dates

Seedly Travel Secure

Great eastern travelsmart premier elite, msig standard pre-ex plan (for pre-existing conditions), hlas covidsafe travel protect360 superior, allied world travel protector superior, aig travel guard® direct - standard, msig premier plan, singlife travel prestige.

TM Xplora Plus Classic

Msig elite pre-ex plan (for pre-existing conditions), aig travel guard® direct - enhanced, allied world travel protector premier, tm xplora plus premier, msig premier pre-ex plan (for pre-existing conditions), aig travel guard® direct - supreme, singsaver explains: top 6 tips on travel insurance.

Watch these key tips on how to protect your holiday or business trip with the right travel insurance plan.

Latest Travel Insurance News

The latest travel insurance promotions, tips and news about travel insurance in Singapore.

Travel Insurance Promotions and Discounts for 2021

Looking for travel insurance? Save more with these promo codes and discounts from insurers such as FWD, MSIG, AXA, and more!

Will My Travel Insurance Cover Novel Coronavirus (COVID-19)?

With more than 727,000 cases and 34,000 deaths worldwide resulting from COVID-19, countries around the world are tightening measures around travelling in and out.

If I Get COVID-19, What Will I Need To Pay?

If I get COVID-19, what will I need to pay? What will the Singapore government pay? Will I be covered by insurance? Read more to understand.

COVID-19: Airline And Hotel Cancellation Fee Waiver Policies

Due to the ongoing COVID-19 outbreak, travel providers like airlines and hotels have been offering waivers of change or cancellation fees for travel to affected areas.

Compare The Best Travel Insurance Plans 2024 by Insurance Provider

Travelling can be an exciting experience but it can also be an expensive one seeing as how there are many uncertainties and potential risks that are involved with going abroad. It is important that you have the best travel insurance coverage to protect you and your trip. With the abundance in availability for travel insurance plans in Singapore, it is only right you know what to look at when picking the most suitable travel insurance plans for you. Here are some of the things you might want to consider before deciding on your choice of travel insurance plans.

Understand and Evaluate the Overall Coverage

It is important to evaluate the overall coverage offered by a policy. This includes looking at the types of incidents covered, such as medical emergencies, lost or stolen baggage or belongings and trip cancellations. These are just some of the few things you will need to look at in order to determine whether a travel insurance plan best serves your needs.

Compare the Costs

In order to find the best value, you should always compare the costs of different policies. The things you need to look at and consider are the premiums and any form of deductables or co-payments. Please also bear in mind that the costs will vary depending on the length and type of trip you are taking. Ensuring you are aware of all the costs will help you in finding the most suitable plan for you.

Coverage for Risky Activities

If you are planning for an adventure that includes sports or extreme excursions, ensure that your travel insurance provides sufficient coverage for the types of activities that you will engage in. When it comes to indulging in risky activities during your travels, some travel insurance providers will exclude specific activities from coverage whilst some will charge extra premium in order to provide the coverage.

Take Into Account Your Trip Duration

The duration of your trip also may impact the suitability of the travel insurance policy. Some insurance providers only provide coverage for a limited period of time and it varies between the different providers. You have to ensure that the insurance plan you are applying for provides coverage for the whole duration of your trip.

Check for 24/7 Assistance

Having access to round-the-clock 24/7 assistance is especially useful when you're faced with an emergency while travelling abroad. Do check if the travel insurance provider of your policy provides such services so you can get any queries you have answered as quickly as possible.

Understand the Fine Print

Be sure to thoroughly read the terms and conditions of the travel insurance policy you're applying for. Pay close attention to any special restrictions, exclusions or conditions that may apply to you and your travelling itinerary as it might impact the coverage or cost of the policy.

Be Aware of any Exclusions

Check for any exclusion in the policy of your choice. These exclusions may apply to dangerous activities, pre-existing medical conditions, natural disasters. Depending on the nature of your trip, do ensure that you are not excluded from any coverage that you require.

The Reputation of the Insurance Provider

Look for online reviews or talk to the people around you to understand if the services provided by the insurance provider is up to standard. Some things you need to find out are the speed of processing, the customer service and also the cost and coverage provided by the travel insurance provider to ensure your trip is as hassle-free as possible even if something undesirable happens.

Your Age and Health

The status of your age and health might play a role in the amount of coverage your travel insurance plan provides and also the costs. Pre-existing medical conditions or travellers of a certain age may mean you are at a higher risk of incidents.

Look out for Travel Insurance Packaged Deals

Travel insurance providers typically offer packaged deals for travel insurance policies which offers multiple types of coverage which includes medical insurance, trip cancellation insurance and travel interruption insurance. These deals allow you to get a more comprehensive coverage at a cheaper cost as opposed to picking and choosing the types of coverage you need.

Why is Travel Insurance Important?

Travel insurance is important because situations around the world have become a lot more fluid since the COVID-19 pandemic. With the world becoming increasingly connected, many of us are travelling much more than earlier decades, whether for business or leisure. This also makes us vulnerable to unforeseen circumstances when we’re overseas. In times of uncertainty such as calamities or civil commotions, having travel insurance makes navigating such difficult situations a little easier.

What is Travel Insurance and How Does it Work?

Travel insurance is a type of insurance that protects travellers from unexpected costs incurred due to travel-related events.

 Like all other insurance products, travel insurance helps us manage risk by reducing the amount you have to pay out of your own pocket should something unforeseen happen. The most common risks associated with travelling include flight delays, diversions or cancellations (which may force you to look for your own accommodation and meals), loss/theft of personal items, lost or damaged baggage during transit and medical costs in the case of accidents or sickness. 

 There are also scenarios that could increase your risks, such as:

• Doing outdoor activities such as surfing, hiking, skydiving and more
• Travelling in a group or with elderly
• Renting a vehicle for a road trip
• Travelling to less developed countries

In the wake of the COVID-19 pandemic, it’s also recommended to purchase policies with COVID-19 coverage to financially protect you should you need to receive COVID-19-related medical treatment or hospitalisation while overseas.

 It is not mandatory for travellers from Singapore to purchase travel insurance, but it does help to give peace of mind when unexpected or unprecedented travel disruptions happen

The different types of travel insurance coverage in Singapore are tailored to meet the needs of different travellers. From "single trip insurance" for occasional travellers to " annual travel insurance " for frequent flyers, there is a policy to suit every itinerary. For families, "single and family travel insurance " plans provide comprehensive coverage for all family members during their travels. It is important to understand the different coverage options available to make an informed decision on which travel insurance to buy, and ensure that you are fully protected during your travels in and out of Singapore.

Single Trip Insurance

Single trip insurance is the best option for travellers who are taking only one trip as it provides coverage for a specified number of days, typically a period of 180 or 182 days, and the plan can be customized to meet your own needs. Single trip insurance makes perfect economic sense for those who don't travel often but it might not make sense for those who travel very often as it might require a frequent traveller to spend too much applying for the many travel insurance plans for each of their travels.

Annual Multi-trip Travel Insurance

Annual multi-trip travel insurance is a travel insurance policy that covers you for multiple trips in a single year. This makes it the best option for those that travel frequently as you don't have to purchase a new insurance plan each time you travel.

Individual Travel Insurance Plan

An individual travel insurance plan is a policy designed for individuals travelling domestically or internationally. So if you are travelling solo or purchasing insurance for your own self then you probably should apply for an individual travel insurance plan.

Family Travel Insurance Plans

Family travel insurance plans are comprehensive insurance policies designed to protect families travelling domestically or internationally. This type of travel insurance plan is perfect if you are travelling as a group with your family members - subjected to the maximum number of adults and children to be covered under the insurance plan. This makes it a more cost-effective way to ensure all your family members have sufficient travel insurance coverage.

Still got no clue which travel insurance to buy? Discover the right travel insurance plan that fits your travel needs , giving you peace of mind for your holiday or business trip! Choose from single or annual trip insurance plans, catered to your specific needs whether it be the cheapest travel insurance plans or one with the most comprehensive coverage. SingSaver is your one-stop shop for everything travel insurance so compare your options using our useful tables and read our travel insurance guides to help you make the most informed decisions for a worry-free trip!

Best Travel Insurance Plans in Singapore for each Benefit

Best Travel Insurance (with COVID-19 Coverage) Plans in 2024

Want to be extra careful with insuring you or your travel companions against COVID-19 while on the road or in the air? Here are the best travel insurance plans with COVID-19 coverage in Singapore to help you make the right choice!

Premium plans are based on a basic tiered single travel insurance for a five-day trip to Brunei (ASEAN Region). The coverage also differs according to different tiered plans. Do note that FWD is the only insurer that offers COVID-19 coverage in the form of an additional rider; the rest of the providers offer plans with built-in coverage.

COVID-19-related medical coverage

This includes expenses for medical treatment if you contract COVID-19 while travelling. It's vital to check the limits and conditions to ensure they meet your needs, especially in countries with high medical costs.

COVID-19-related overseas hospital cash

Some policies offer daily cash benefits if you're hospitalised abroad due to COVID-19, providing financial relief during a stressful period. This can help cover incidental costs or lost travel opportunities.

COVID-19-related trip cancellation or postponement

Seek policies that cover cancellation or postponement costs due to COVID-19, such as positive test results before departure or travel bans. This can save you significant financial loss on pre-booked arrangements.

COVID-19-related emergency medical evacuation/repatriation

In severe cases, you may require medical evacuation or repatriation. Ensure your policy includes coverage for such scenarios linked to COVID-19 to avoid overwhelming expenses.

Pre-Existing conditions

Most travel insurance policies exclude coverage for pre-existing conditions, including those related to COVID-19. It's crucial to understand these exclusions before purchasing a policy to ensure you won’t be left in the lurch should anything unexpected happen.

Replacement of traveller or employee before departure

Costs associated with replacing a traveller or employee before departure due to COVID-19 related issues are typically not covered. If you are purchasing a policy as or for an employee, it’s best to consult your company’s HR department for more information on financial protection while overseas or travelling.

Extreme sports/professional or competitive sports

Activities deemed high-risk, such as extreme or professional sports, are usually excluded from COVID-19 coverage, along with other standard policy exclusions.

Any travel against prohibitions/acts/travel alerts/bulletins by any government or public authority (except for specific COVID-19 situations)

Travel undertaken against the advice or restrictions of governments or public authorities, except under specific COVID-19 circumstances outlined in your policy, will not be covered.

Most insurers now offer an online claims platform. This saves you the hassle of having to make claims in person at the branch office. To get your claims processed quickly, follow these 7 steps for faster travel insurance claims. Be sure to document as many details as possible and keep the original receipts and reports from police, hospitals, airlines, hotels etc. Lastly, always provide proof of travel – the stamp in your passport would usually suffice.

Below are some common scenarios where you will need to provide documentation when submitting a travel insurance claim:

• Travel disruption / cancellation - Written proof of the delay/cancellation from your airline, hotel or travel agent such as an email or message will be needed to claim for travel disruption.
• Lost / Damaged Personal Belongings - Submit a police report, the original invoice/receipt for your item, your bill for repairs (if applicable).
• Emergency assistance - It’s a good practice to save your insurer’s emergency assistance hotline and your policy details to your phone before travelling. In the event of an emergency, contact your insurer with your policy number to arrange for help.
• Personal accident/medical expenses - Keep all original receipts, your medical report, and a police report where applicable. File your claim as soon as you’ve returned to Singapore. You may need to submit the original documents by mail.

Report The Incident To Your Insurance Providers

It is important that you inform your travel insurance provider as soon as possible upon the time of incident as it will allow them to start processing your claim and provide you with all the required assistance without any delays. Although most travel insurance providers claims to be made within 30 days via the available channels, it is receommended that you not wait too long.

Gather All Your Relevant Documents

To ensure your claims process is as efficient as possible, do remember to gather all the relevant documents that support you claim. Some of the things you might require are:

• NRIC, FIN No. or other official forms of ID
• Proof of trip such as tickets, receipts, boarding passes, photocopy of passports and visas
• Reports or documents from the airline or relevant authority acknowledging the loss of baggage
• Medical reports or any related evidence in the form of photos and/or emails
• Proof of ownership of lost baggage and items

Submit Your Claim

Upon gathering all necessary documents, promptly submit your claim to the travel insurance companies. Most travel insurance companies offer the option of submitting claims via online means or in person - whichever is most convenient for you.

Wait for Review

After your claim has been submitted, the insurance company will do a review of your claim submission to determine your eligibility for coverage. This process may take several days to a few weeks depending on the complexity and severity of your case. Ensure you are contactable throughout this period as your travel insurance provider might contact you for further clarification.

From when and where to buy your travel insurance to how it all works, our trusty SingSaver guides and tips are here to ensure you have the most fuss-free and enjoyable time during your travels.

• Find The Best Travel Insurance For Your Cruise
• Find Out When Is It Too Late To Buy Travel Insurance
• Find Out Where Are The Best Places To Buy Travel Insurance In Singapore
• Find Out Annual Travel Insurance Vs Single Trip: Which Is Best For You?
• Find Out If Group Travel Insurance Is Best For When Your Trip Makes It Out Of The Groupchat
• Find Out Is Cruise Insurance Worth It - And Should You Get It?
• Find Out What’s The Best Travel Insurance For Self Drive To Malaysia
• Find The Best Credit Cards With Travel Insurance
• Find The Best Travel Insurance Promotions In Singapore
• Find The Best Travel Insurance For Seniors And The Elderly
• Find The Best Travel Insurance Plans For Pregnant Women
• Find The Best Family Travel Insurance Plans
• Find The Best Travel Insurance For Pre-Existing Conditions
• Find The Best International Car Rental Insurance
• Find The Best Road Trip Travel Insurance
• Find The Best Adventure Travel Insurance
• Find The Best Travel Insurance For Flight Delays And Cancellations
• Find The Best Travel Insurance Including Natural Disasters
• Save On Travel Costs With The Cheapest Travel Insurance In Singapore
• Travelling In A Group? Find Out If You Should Get Group Vs Individual Travel Insurance
• Need To Cancel Plans Last Minute? Find Out How To Cancel Travel Insurance And Whether You Can Get A Refund
• Long Term Traveller? Find Out About Long Stay Annual Travel Insurance

Read reviews and compare between the different travel insurance providers and plans to help you find the best and most suitable one for you. Find the best and most suitable travel insurance from providers such as FWD, Allianz, Singlife and more.

• Read The FWD Travel Insurance Review
• Read The AXA Smart Traveller Insurance Review
• Read The Tiq By Etiqa Travel Insurance Review
• Read The Starr Travelead Cruise Travel Insurance Review
• Read The AIG Travel Guard Travel Insurance Review
• Read The Singlife Travel Insurance Review
• Read The HL Travel Insurance Review
• Read The Allianz Travel Insurance Review
• Read The MSIG Travel Insurance Reviw
• Read The Sompo Travel Insurance Review
• Read The Etiqa Travel Insurance Review
• Read The Great Eastern Travel Insurance Review
• Read The Ntuc Income Travel Insurance Review
• Comparison Of Fwd Vs Msig Vs Singlife Travel Insurance

Now that you’ve got your travel insurance settled, it’s time to plan the rest of your trip! Discover new destinations and old favourites with our travel guides and itineraries, plus essential travel tips to help you make memories you’ll never forget.

• Bintan Travel Guide: What To Do In Bintan And How Travel Insurance Will Make Your Trip Better
• Batam Travel Guide: What To Do In Batam And How To Get The Best Travel Insurance For Your Trip
• Discover The Best Tour And Travel Agencies In Singapore
• Make Full Use Of Your Long Weekends With These Top Budget Getaways From Singapore
• Stay Connected While Abroad With Portable Travel Wifi Rentals In Singapore
• Maximise Your Travel Spend With The Best Credit Cards For Booking Hotels And Air Tickets
• Optimise Overseas Spend With The Top Travel Credit Cards In Singapore In 2024
• Frequent Flyer? Get The Most Of Your Air Travel With The Best Miles Credit Cards In Singapore In 2024
• Plan Out Your Dream Jeju Adventure With Our Jeju Island Itinerary And Travel Guide
• Explore Taipei And Beyond With Our Guide To Things To Do In Taiwan (And Find Out How Much To Bring To Taiwan Too)
• Be Flight-Ready In A Flash With Our Travel Essentials Checklist
• Embarking On Your First Solo Adventure? Our Tips For Solo Travel Will Help You Conquer The World Confidently!

How to get travel insurance coverage for COVID-19?

You can get COVID-19 coverage for travel insurance by checking the insurer’s policy wording before purchasing. Generally, travel insurance policies cover you if your trip cancellation/ disruption is made due to an unforeseen event. However, insurance companies now consider COVID-19 to be a known event and hence might not provide coverage for any trip cancellation/ disruption claims arising from the COVID-19.

Will I be able to cancel my trip and get a refund if I tested positive for COVID-19 after purchasing my travel insurance?

Most insurance companies cover trip cancellation/medical expenses/quarantine allowance due to COVID-19. The coverage is either embedded in the policy or can be purchased separately as an add-on.

 To claim for trip expenses, you will need a written proof from the service provider stating the confirmation on the cost of non-refundable travel expenses and present with supporting documents such as medical or death certificate.

Can travel insurance be extended?

Most insurers allow for Automatic Extensions of your travel insurance coverage but this could vary from insurer to insurer.

 Where your insurance cover will automatically be extended without additional premium, under certain conditions (such as if you are hospitalised or placed under compulsory quarantine while overseas upon the written advice of a doctor).

Otherwise, you will need to inform the insurer of the extension as soon as possible (for example, if you extend your travel dates). For some insurers, it is possible for your travel insurance to be extended, provided there are no known circumstances or events that are likely to lead to a claim. This will come with additional premiums.

Is it cheaper to get a Group or Family travel insurance policy?

Generally it is more cost-efficient to purchase a Group or Family travel insurance policy compared to several individual policies. This depends on how individual insurers define “Family” – check for limitations related to the maximum number of children allowed, or whether grandparents are eligible. Regardless, always check the cumulative limits for items like damage/loss of belongings and medical coverage.

Can I buy travel insurance if I am already overseas?

Once you’re overseas, you won't be able to buy travel insurance so you will need to purchase your plan before leaving Singapore for your overseas trip. Insurers are unlikely to cover you if you purchase travel insurance after your trip begins. For example, insurers such as AXA, Aviva, and AllianzTravel state on their website that the travel insurance has to be purchased before departing Singapore.

Can foreigners buy travel insurance in Singapore?

There are specific insurers that offer foreigners travel insurance. Foreigners in Singapore can buy travel insurance from NTUC Income, FWD, Etiqa, Sompo, Allianz, AXA and AIG. You will need to provide your FIN and show your employment pass or work permit when applying.

Is travel insurance mandatory for outbound travellers from Singapore?

While travel insurance is not mandatory for outbound travellers from Singapore, the Ministry of Foreign Affairs has advised travellers to check the COVID-19 entry requirements of the countries that you intend to visit.

Is travel insurance worth the cost?

Depending on the insurer, travel insurance policies typically provide the following coverage:

• COVID-19 Coverage
• Personal accident
• Medical expenses (Overseas and Local)
• Travel delay/diversion
• Baggage delay/damage
• Trip cancellation
• Overbooked flight
• Loss of travel documents such as your passport and visa
• Emergency medical evacuation and repatriation
• Loss of personal belongings
• Adventurous activities

All together, this means a comprehensive financial safety net should anything unexpected happen while you’re overseas. There are also add-ons you can add to the travel insurance, such as coverage for your sports equipment, overseas wedding and photoshoot, rental vehicle excess cover and more.

 Most travel insurance policies cover the loss of travel documents. The policy will cover the cost to replace these documents as well as the transport expenses incurred during the process.

 You must report the loss to the local police within 24 hours after the incident and obtain a written statement from them which will help with the claims. You should also report your lost passport to the nearest Singapore Overseas Mission immediately.

When should I buy an annual or single plan travel insurance?

Whether you should buy an annual or single travel insurance plan depends on your specific needs and financial situation. Some factors to consider when making a decision include:

• Budget: An annual plan can often be more cost-effective in the long run, as the cost is spread out over the course of a year. However, it also requires a larger upfront payment.
• Usage: If you're likely to use a service frequently, an annual plan may make more sense, as you'll get more value for your money. On the other hand, if you only need the service occasionally, a single plan may be a better option.
• Flexibility: Annual plans typically have a commitment, meaning you'll have to pay for the entire year, even if you stop using the service. Single plans, on the other hand, can be more flexible, allowing you to buy only what you need, when you need it.
• Discounts: Some companies offer discounts for customers who choose to buy an annual plan. If you're interested in a service and plan to use it frequently, it may be worth checking if an annual plan comes with any discounts.

Ultimately, the decision between an annual or single plan will depend on your individual needs and budget. It's important to weigh the pros and cons of each option carefully before making a decision.

Should I still be concerned about COVID-19 in 2024?

Yes, while vaccination and global efforts have reduced the impact of COVID-19, it remains a concern, especially with the possibility of new variants. Ensuring your travel insurance includes COVID-19 coverage is still advisable.

Are vaccinated travel lanes (VTL) still a thing in 2024?

The concept of Vaccinated Travel Lanes (VTL) has evolved, with many countries streamlining entry processes for vaccinated travellers. Always check the latest travel advisories for up-to-date information.

Do I still need COVID-19 coverage if I’m fully vaccinated?

Absolutely. Even if you're fully vaccinated, you're not immune to contracting or spreading COVID-19. Comprehensive travel insurance with COVID-19 coverage is essential for all travellers.

What are the best travel insurance for East and Southeast Asia countries?

There is no one singular ‘best’ travel insurance for East or Southeast Asian countries. The suitability of a travel insurance plan will depend on many factors including the length and duration of the trip, pre-existing medical conditions, whether you’re travelling solo or in a group/family, and whether you intend to do any road trips or extreme sports while abroad. To help you get started, you can consult our insurance guides on some of the most common destinations in East and Southeast Asia for Singaporeans:

• Japan Travel Insurance Guide: Best Policies To Cover Your Trip To Tokyo, Osaka And More
• Thailand Travel Insurance Guide: Best Travel Policies For Phuket, Bangkok And More
• Protect Your Trip To KL, JB And More With The Best Travel Insurance For Malaysia

What are the differences between family travel insurance plans and group travel insurance plans?

Family travel insurance plans are designed to cover family members travelling together, often offering discounts and shared benefits. Group travel insurance, meanwhile, caters to non-familial groups, providing a collective coverage option for travellers.

What's the difference between single-trip or annual multi-trip travel insurance ?

Single-trip travel insurance covers one specific journey, ideal for occasional travellers. Whereas annual multi-trip insurance covers multiple trips within a year, perfect for frequent travellers and offering convenience and potentially significant savings.

When is it too late to get travel insurance?

It's too late to purchase travel insurance once an event you wish to be covered for has occurred. Ideally, buy your policy soon after booking your trip to ensure coverage for pre-departure issues, including those related to COVID-19. You should also purchase your policy before departing Singapore, as many insurers will not issue a policy to you if you have already left the country.

6 Best Travel Insurance with COVID-19 Coverage in Singapore (Apr 2024)

COVID-19 might be the last thing on your mind…but it could be the first thing to ruin your next trip. Whether you end up quarantined overseas or have to cancel the holiday entirely, there are plenty of ways COVID-19 could make a vacation go awry. And that’s before you consider things like lost luggage, flight delays , getting pickpocketed, and more.

Good news—there’s an easy way out. Before you jet off to your  dream travel destination , don’t forget to purchase  travel insurance . Covering you for your potential travel disruptions, travel insurance is the next most important thing besides your flight ticket!

Most insurance providers have added COVID-19 coverage to their travel insurance plans, but to varying extents. Some have COVID-19 as an optional add-0n that you have to purchase. Coverage wise, some providers offer far better COVID-19 protection than others.

Find out how to choose, what to look out for, and the cheapest travel insurance you can buy with our comparison of the best travel insurance with COVID-19 coverage  in Singapore and their ongoing promotions. Promotions are generous this Apr 2024— you could even win a Rolex Oyster Perpetual , 124200 34mm Silver (worth S$9,000), all-expenses paid trip, or a 2D1N staycation!

Best Travel Insurance in Singapore with COVID-19 Coverage (2024)

• Best travel insurance with COVID-19 coverage

Bubblegum Travel Insurance

• FWD travel insurance
• Starr travel insurance
• MSIG travel insurance
• Singlife travel insurance
• Etiqa travel insurance
• Cheapest travel insurance in Singapore
• Does travel insurance cover COVID-19?
• How do I choose the best travel insurance policy with COVID-19 coverage?
• What do I do if I test positive for COVID-19 during or after travelling?

1. Best travel insurance with COVID-19 coverage

With the sheer number of travel insurance providers out there, it can be overwhelming to compare everything against everything else. We know that pain, because that’s exactly what we’ve just done.  Wipe away those tears of exasperation— we’ve done the legwork for you and picked out the top 6 travel insurance plans in Singapore:

Why are these the top 6? We’ve compared them based on affordability, COVID-19 cover inclusion, emergency medical coverage, and trip cancellation coverage. (If you’re an adventure seeker, that’s more niche—refer to this article for all the best travel insurance for extreme sports and outdoor adventure instead.)

Ready to dive into the deets? We compared the coverage and prices of most popular  travel insurance plans with COVID-19 coverage in Singapore. So if you’re looking for a specific type of coverage for your travel needs, e.g. high trip cancellation coverage, this is a better summary table for you to work with:

Note: All travel insurance options above are before promotional discounts are applied. Unless otherwise stated, all include COVID-19 coverage.

Back to top

2. Bubblegum Travel Insurance

Bubblegum Travel Insurance  is a great option if you’re looking for fuss-free, essential coverage at affordable rates. Bubblegum’s travel insurance model is simple, offering just 1 travel insurance plan. Here are its pricing and coverage benefits:

If fuss-free, essential travel insurance is your top priority, we think Bubblegum is a good option for you. Their travel insurance is all-inclusive with coverage for travel inconveniences like cancellations and delays, and also gives you coverage for COVID-19 related expenses at no additional cost.

If you’re a thrill-seeker looking at adventurous activities, Bubblegum Travel Insurance will also cover you for hot air ballooning, scuba diving and skiing, with no restriction on height or depth.

Bubblegum travel insurance promotion

Total Premium

[Receive your cash as fast as 30 days*]   •  Enjoy 10% off  your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. •  Additionally, receive up to S$25 via PayNow with eligible premiums spent.  T&Cs apply.

Key Features

Bubblegum offers just 1 affordable plan to suit all your travel needs to maximise your savings

Overseas medical expenses up to $150,000 SGD (Covid-19 sub-limit of $65,000 included)

24-Hour global Emergency Assistance services including Emergency Medical Evacuation and Repatriation

Covid-19 trip related cancellation/curtailment up to $600 SGD included

Adventurous activities like scuba diving and hot air ballooning are covered with no limit on depth or height.

Bubblegum is currently offering a 10% discount on all their travel insurance plans. That means you can cover a 7-day trip to ASEAN with just $38—about $5+ a day !

Truth is, the discount is even greater when you consider the fact that Bubblegum will also give you My Millennium Points and cashback when you purchase Bubblegum travel insurance:

• Get  2,400 My Millennium Points (worth $16) with every policy purchased.
• Plus, get  $15 Cash via PayNow when you buy a Bubblegum Travel Insurance plan with a premium of $80 to $119.99 OR  $25 Cash via PayNow with a premium of $120 and above.

Promotion valid till 30 Apr 2024.

3. FWD Travel Insurance 

FWD travel insurance offers some of the cheapest travel insurance plans in Singapore, so this is a budget-friendly option which still offers you great value for every dollar. I like that coverage for emergency medical evacuation is unlimited for all tiers, and overseas medical expenses go up to a generous $1,000,000 (which is about as high as it gets).

Here’s a quick run-through of the price and benefits offered by FWD travel insurance plans:

When you’re purchasing FWD travel insurance, the COVID-19 benefits are an add-on. The price of the COVID-19 add-on costs between $11 to $22  depending on the part of the world you’re travelling to. If you choose to add it on, it’ll give you comprehensive coverage of the following:

• Trip disruption
• Trip cancellation
• Overseas hospital cash
• Hospital cash while in Singapore
• Medical expenses
• Emergency medical evacuation and repatriation

The plan reimburses your travel-related expenses if you are diagnosed with COVID-19 no more than 30 days before your scheduled departure date, or if you have to change your itinerary because of a COVID-19 diagnosis while overseas. You also get to claim medical expenses and a hospital cash benefit if you get hospitalised overseas or for up to 14 days in Singapore upon your return.

On top of that, there’s also an automatic policy extension of up to 21 days should you be prevented from travel as per foreign government regulations due to:

• You contracting COVID-19; or
• You or your travel companion needing to be self-isolated due to being in close contact with someone diagnosed with COVID-19

Read the full T&Cs of FWD’s COVID-19 coverage .

FWD travel insurance promotion

[ Win a Rolex, FREE Travel Insurance & More!   | MoneySmart Exclusive]    • Enjoy 25% 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$11,000 worth of prizes in our Grand Draw . • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000). • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550).    What's more? We are giving away FREE Travel Insurance to 8 lucky winners daily when you purchase your Travel Insurance, and submit the Claim Form between 12pm to 8pm .    Increase your chances of winning when you refer friends  today. T&Cs apply.

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).

Plan Highlights

Covid-19 protection, leisure activities.

Currently, you can take 25% off the prices for all FWD travel insurance tiers. That brings the rate for a 7-day ASEAN trip down to $25 to $42, or just $3+ to $6 a day !

We haven’t gotten to the really good part yet. Purchase FWD Premium , FWD Business , or FWD First travel insurance and stand a chance to win over $10,000 worth of prizes in our Grand Draw ! Prizes include:

• 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)

Promotions valid till 7 Apr 2024 (Prizes 2 and 3) / 30 Apr 2024 (Prize 1).

4. Starr Travel Insurance

Starr’s travel insurance   Starr TraveLead Comprehensive is a leader in terms of how customisable their insurance is. When signing up, medical coverage (including COVID-19 coverage) is automatically included in all plans, but you can choose whether or not you want to add trip coverage (e.g. document loss, travel delay) and baggage coverage (e.g. baggage delay). Then, you can also easily add riders for Golf Protection, Cruise Vacation, Scuba Diving, and Snow Sports.

Starr TraveLead Comprehensive comes in 3 tiers: Gold , Silver and Bronze . While all are pretty comprehensive (as the name suggests), we advise you go for at least Silver . This affords you $500,000 overseas medical coverage, as well as $30,000 medical coverage for COVID-19 and $250 coverage for COVID-19 related trip curtailments and cancellations. You won’t get the COVID-19 trip curtailment/cancellation coverage in the Bronze plan, which only offers $15,000 for COVID-19 medical coverage. Better be safe and  go for Silver or Gold.

Here are the prices and coverage amounts for each tier. Prices are given with trip coverage included in the plan.

Note: Starr also has a travel insurance called Starr TraveLead Essential, which also comes in Bronze , Silver and Gold tiers. They look very attractive because of their low prices—for example, Starr TraveLead Essential Bronze costs just $20 for a 7-day trip to an ASEAN destination.

However, unless you’re on a really tight budget, I wouldn’t recommend these plans because of their more limited coverage. For example, while the Starr TraveLead Essential Bronze plan does cover you for $200,000 worth of overseas medical expenses (which is already the bare minimum), it doesn’t cover you at all for trip cancellation and loss/damage of baggage. Neither do the Silver or Gold tier plans.

Starr Travel Insurance promotion

Starr TraveLead Comprehensive Silver

[ Win a Rolex, FREE Travel Insurance & More!    | FLASH DEAL]   • Enjoy 42% off your policy premium and 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.   BONUS:  For a limited time only, stand a chance to score over S$11,000 worth of prizes in our Grand Draw . • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000). • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550).   What's more? We are giving away FREE Travel Insurance to 8 lucky winners daily when you purchase your Travel Insurance, and submit the Claim Form between 12pm to 8pm .   Increase your chances of winning when you refer friends  today. T&Cs apply.

For Cruise to nowhere insurance: Find out more here

Flexible coverage allows you to create a travel insurance plan with different types of coverage and add-ons that can adapt to your needs

Overseas Covid-19 related medical expenses of up to $30,000 SGD included (Excluding China).

Covid 19 Trip related cancellation/curtailment up to $250 SGD included (Excluding China).

Covers Travel Expenses for return of Child(ren) during the hospitalisation of the insured person.

No sublimit or restriction on outpatient expenses and number of visits

24 hours Global Emergency Assistance Services help you when you need it most, connecting you with medical treatment and transportation

Seamless and Cashless claims via PayNow

Please note that travelling to Russia and Ukraine is not covered in Starr’s insurance with immediate effect.

With the ongoing 42% discount promotion on Starr travel insurance, prices are very affordable. Coverage for a week-long ASEAN trip is just $24+ ($3+ a day), while a trip of the same duration to countries like USA costs $30+ ($4+ a day).

The best part? Purchase Starr TraveLead travel insurance of any tier and stand a chance to win over $10,000 worth of prizes in our Grand Draw ! Prizes include:

5. MSIG Travel Insurance

MSIG travel insurance is categorised into 3 plans— Standard , Elite , and Premier . The cheapest, basic plan still offers pretty adequate coverage in medical emergencies and trip cancellations or delays.

Here’s a quick run-down of the plan’s key benefits:

One more unusual area of coverage that MSIG includes is emergency dental expenses. You get $5,000 to $15,000 in coverage, depending on the travel insurance tier you select.

MSIG’s Areas A and B refer, roughly speaking, to ASEAN and Asia respectively. Here’s a more comprehensive list of the countries in each category:

• Area A : Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam
• Area B : Australia, China (excluding Inner Mongolia and Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan and including countries in Area A
• Area C : Worldwide

MSIG Travel Insurance’s COVID-19 coverage is an automatic inclusion to its travel insurance plans and offers the following coverage:

• Trip cancellation, postponement, shortening, disruption
• Replacement of traveller
• Overseas medical expenses
• Emergency medical evacuation
• Overseas quarantine daily cash allowance

This is quite a decent list of benefits, but do note that daily hospital cash allowance is missing from the list.

MSIG travel insurance promotion

MSIG TravelEasy Standard

[Receive your cash as fast as 30 days*]   •  Enjoy up to   40% off  your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. •  Additionally, receive up to S$45  via PayNow OR 1   x Apple AirTag  (worth S$45.40) with eligible premiums spent.  T&Cs apply.

COVID-19 coverage of up to $150,000 medical cover and up to $1,500 travel inconvenience benefit for your trip protection.

Packaged tour coverage for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies).

Get covered across all TravelEasy Plan types with a high limit of S$1,000,000 for emergency medical evacuation & repatriation

MSIG provides cover for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies)

Currently, you can take 40% off all MSIG travel insurance plans with their ongoing promotion. That means your 7-day ASEAN trip now costs just $37 to $70 to cover compared to $62 to $116.

On top of the 40% discount, you’ll receive lots of goodies with your MSIG travel insurance purchase:

• Receive  2,400 My Millennium Points (worth $16) with every policy purchased.
• $15 cash via PayNow with a premium of $65 to $119.99
• $25 cash via PayNow with a premium of $120 to $239.99
• $45 cash via PayNow or an Apple AirTag (worth $45.40) with a premium of $240 and above .

Promotion valid till 12 Apr 2024.

6. Singlife Travel Insurance

Singlife travel insurance comes in 3 tiers— Lite , Plus , and Prestige . The price you pay and the coverage you’ll get increase with each plan.

Here are Singlife travel insurance’s key prices and benefits:

On top of the coverage above, Singlife also covers you for chiropractor and/or chinese physician treatment : $250 ($50 per visit) for Lite, $500 ($75 per visit) for Plus, and $1000 ($100 per visit) for Prestige.

As far as COVID-19 coverage goes, here’s a quick run-down:

• Emergency medical evacuation, repatriation
• Overseas quarantine allowance
• Trip cancellation, postponement, interruption

While Singlife travel insurance’s coverage for non-COVID medical expenses, travel delay and trip cancellation is comprehensive, we have to dock some points for the lack of overseas hospital cash allowance and pretty low COVID-19 trip cancellation coverage.

Also, do note that the lowest tier, Lite, doesn’t come with certain coverage, such as trip cancellation or postponement for any reason and COVID-19 overseas quarantine allowance.

Singlife travel insurance promotion

Singlife Travel Plus

[Receive your cash as fast as 30 days*]     •  Enjoy 25% off  your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. •  Additionally, receive up to S$30  via PayNow with eligible premiums spent.  T&Cs apply.   [Singlife Promotion] Get up to S$100 UNIQGIFT vouchers from Singlife with annual multi-trip plan purchased. T&Cs apply.

Covers trip cancellation for any reason, T&Cs apply.

Covers trip interruptions or cancellations due to COVID-19 and cover your medical treatment should you contract COVID-19 whilst overseas.

Payout of up to S$150** should your trip be affected by excessive rainfall.

**For single trips (minimum 3 days) where more than 50% of trip duration is affected by rainfall levels of >6.4mm in a 24-hour period.

Seamless claims experience with PayNow

It’s a win-win situation—get 28% off your Singlife travel insurance premiums these goodies thrown in:

• $10 cash via PayNow with a premium of $65 to $129.99
• $20 cash via PayNow with a premium of $130 to $329.99
• $30 cash via PayNow or an Apple AirTag (worth $45.40) with a premium of $330 and above .

Promotion valid till 29 Feb 2024.

7. Etiqa Travel Insurance

Do you hate making travel insurance claims? I do. That’s why when a friend of mine told me that you don’t need to make any claim on Etiqa to receive compensation for your flight delay, I was very intrigued.

I’ve been fortunate—all my recent flights have left on time. But from what I’ve heard from friends who weren’t as lucky on their recent travels, it’s true that Etiqa has the most seamless claim process for flight delays . All you need to do is enter your flight details when purchasing your insurance. Etiqa will monitor your flight and know if your flight is delayed (to count as a delay, it needs to be pushed back at least 3 consecutive hours). If that happens, they’ll transfer money into your Etiqa TiqConnect eWallet—even if you don’t submit a claim! You can then encash that sum via PayNow.

On top of this travel delay claim benefit, Etiqa also provides flight check-in reminders and baggage belt collection details via SMS when you land. I’ve experienced this myself when I bought Etiqa’s travel insurance for my trip to the UK this year. Now that’s what I call service.

Etiqa’s travel insurance is called Tiq Travel Insurance  and comes in 3 tiers: Tiq Entry , Tiq Savvy , and Tiq Luxury . Here are their costs and coverage components:

Tiq Entry is sufficient to give you essential coverage for travel disruptions. But if you’ve just a little more to spend, go for Tiq Savvy . This will more than double your coverage limit for overseas medical expenses from $200,000 to $500,000 for just an additional $5 a week—that’s less than $1 a day.

Comprehensive COVID-19 add-on, protecting you before, during and after your trip

Covers Cruise to Nowhere

Get paid upon a 3-hour flight delay, even without submitting a claim

Instant claims encashment via PayNow

24-hour worldwide emergency travel support

The only disadvantage to Tiq travel insurance is that COVID-19 coverage is not included in the base price and you’ll have to pay for their optional  COVID-19 Add-On to be covered. Some people might say this is an advantage—it gives you a greater degree of flexibility to decide if you want to have COVID-19 coverage or not, especially as COVID-19 becomes less and less prevalent. However, the fact remains that you need to pay extra for it compared to travel insurance plans where COVID-19 coverage is already included.

Here’s how much the COVID-19 Add-On will cost for a 7-day trip:

To be covered for travel disruptions and medical expenses related to COVID-19, you’ll need to add the costs above to the base Tiq travel insurance prices.

Etiqa travel insurance promotion

Comprehensive Covid-19 add-on, protecting you before, during and after your trip

Enjoy  40% off Tiq Single Trip Travel Insurance plans —that means your week-long ASEAN trip now costs just $23 instead of $39 under Tiq Entry.

Getting annual travel insurance instead? Get  60% off COVID-19 add-on for Annual Plans!

From now till 15 Aug 2024, purchase Tiq travel insurance to enter  Etiqa’s 10th Year 2024 Grand Draw . 5 lucky winners will walk away with  $10,000 cash , and 150 will receive a S ingapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth $173)!

8. Cheapest travel insurance in Singapore

When I buy travel insurance, I don’t really care whether the insurer has 900 years of experience or if the plan comes with extra coverage for Chanel bags. Just give me the cheapest travel insurance plan can  l iao !

If that sounds like you too, you’ll be glad to know we’ve done the legwork for you. After assessing the most popular travel insurers in Singapore, the honour of cheapest travel insurance in Singapore goes to… FWD travel insurance .

FWD Premium

But as the old saying goes, you get what you pay for. Will you regret being a cheapskate and lose out on important coverage if the only number you look at is the price?

In a way, yes. Because FWD travel insurance is only the cheapest option with 2 caveats.

Firstly, travel insurers have limited-time discounts all the time. This is no secret. It does, however, make it difficult to compare prices when an expensive plan is on 40% off but a cheaper one is on 10% off. That’s why for the table above, we compared base prices without discounts .

But when you take into account promotional prices, which plan is the cheapest? There’s no need to open a million tabs to compare every travel insurance plan out there. Just use our travel insurance comparison tool with the “Lowest Price” filter  on. You’re welcome!

The second caveat is this: FWD came out the cheapest when we looked at its price  without its COVID-19 add-on. If you’re looking for a travel insurance plan that includes coverage for disruptions due to COVID-19 (which you should!), the real winners are  Amex travel insurance and  Starr travel insurance .

Starr TraveLead Comprehensive Bronze

[ Win a Rolex, FREE Travel Insurance & More!    | MoneySmart Exclusive]   • Enjoy 42% off your policy premium and 2,400 My Millennium Points (worth S$16) with every policy purchased. • Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) with eligible premiums spent. T&Cs apply.   BONUS:  For a limited time only, stand a chance to score over S$11,000 worth of prizes in our Grand Draw . • Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000). • 2D1N Staycation at any Millennium Hotels and Resorts and 15,000 My Millennium Points (worth up to S$550).   What's more? We are giving away FREE Travel Insurance to 8 lucky winners daily when you purchase your Travel Insurance, and submit the Claim Form between 12pm to 8pm .   Increase your chances of winning when you refer friends  today. T&Cs apply.

Personalise your travel insurance-Flexible coverage allows you to create a travel insurance plan with different types of coverage and addon that can adapt to your needs

Overseas Covid-19 related medical expenses of up to $15,000 SGD included (Excluding China).

Covers travel expenses for sending back an unattended child during the hospitalisation of the insured person

At the end of the day, ask yourself what specific travel insurance coverage you want to have, and assess the travel insurance options to find one that suits your needs.

Need some help? Read our travel insurance guide to understand all you need to know about choosing the best travel insurance. Don’t forget to use our travel insurance comparison tool to seamlessly compare plans across different providers in Singapore.

9. Does travel insurance cover COVID-19?

When the COVID-19 pandemic started, most insurers did not extend their coverage to COVID-19-related mishaps. (Read more here .) The pandemic was quickly considered a “known event”, which insurers usually do not offer compensation for. So, if your flight got cancelled because of COVID-19, you’d be out of luck trying to get your insurance claims approved.

Now that practically all travel restrictions are lifted, insurance companies are rushing for a slice of the pie. Since the virus looks like it’s here to stay, most insurers are offering coverage that includes specific benefits for COVID-19. Where COVID-19 benefits aren’t already included in the policy, insurers offer an optional COVID-19 rider you can pay for to add on to the existing regular coverage.

Read your policy documents carefully to see if COVID-19 is covered, and add it on if you need to.

10. How do I choose the best travel insurance with COVID-19 coverage?

COVID-19 coverage  can vary quite a bit from insurer to insurer . When you’re shopping for the best insurance policy,  there are 4 things you want to look out for when it comes to choosing the best travel insurance with COVID-19 coverage:

• Medical expenses coverage

Do note that the plans still exclude travelling against a travel advisory put in place by the Singapore government or by the local authority at your trip destination. Meaning, if your destination country goes on red alert for COVID-19, visitors are highly likely to come into contact with the virus and your insurance is highly likely to reject any COVID-19 claims. So be sure to check announcements on both ends before you depart.

Another common exclusion is failing to take precautions against COVID-19. This is worded kinda vaguely in those lengthy insurance policies, but could include not following any COVID-19 regulations at your destination or on the plane. So make sure you wear your mask whenever it’s required (or even when it’s not, if you want to play extra safe) and don’t attend any illegal raves.

11. What do I do if I get COVID-19 during or after my travels?

First of all, when booking your trip, you should retain all receipts, tickets and itineraries in case your trip has to be cancelled or altered.

At the first sign of a COVID-19 infection or related travel disruption, you should call your insurer and ask for guidance. Many insurers maintain a 24-hour hotline for travel claims. Save that number before you depart Singapore so that you aren’t stuck somewhere without wi-fi or 4G to Google the hotline.

To make a claim , you will usually have to submit your insurer’s form with supporting documents by the deadline mentioned in your contract (usually 30 days). Don’t wait until you’re back in Singapore to check which documents you need.

If you catch COVID-19 while you’re in Singapore , you will likely have to submit the results of a PCR Swab Test or Antigen Rapid Test conducted at a clinic or hospital.

It gets a bit more complicated if you’re overseas . The insurer will likely require documentation from the hospital as well as a doctor’s letter stating that you are unfit to travel and/or recommending treatment.

If you need to be quarantined overseas , you should make sure you have a quarantine order from the government, otherwise you may not be able to claim for quarantine allowance. Remember to ask for this as not all countries automatically issue such documentation.

ALSO READ: COVID-19 Travel Insurance Claim Guide

Planning to get travel insurance for your next trip? Learn how to claim for COVID-19 here!

About the author

Vanessa Nah  is a personal finance content writer who pens articles on the ins and outs of travel insurance, the T&Cs of credit cards, and the ups and downs of alternative investments. She’s a researcher at heart and leaves no stone unturned when it comes to breaking down complex finance concepts and making them easy to understand for the everyday Singaporean. When Vanessa’s not debunking finance myths, you’ll find her attending dance classes, fingerpicking a guitar, or (most im paw tently) fulfilling her life mission to make her one-eyed cat the most spoiled and loved kitty in the world.

Related Articles

Best Travel Insurance Policies for Places Prone to Natural Disasters (2023)

How to Choose an eSIM? 7 Recommended eSIM Options for International Travel 

Best Travel Destinations and What To Do There, According to MoneySmart Staff

Travelling with Kids: 10 Possible Disasters and How to Avoid Them

How Much Does It Cost To Travel With Pets?

Travel Insurance

Get comprehensive coverage for travel inconveniences and medical expenses on your next holiday. Choose from Standard Plan or Enhanced PreX Plan to suit your needs.

Brave the unknown with comprehensive coverage from Income’s Travel Insurance.

Explore unconventional destinations, try exotic cuisines, or take on thrilling adventures with confidence knowing you are well-protected!

Get up to $15,000 coverage for overseas transport and accommodation expenses [1].

Get up to  $1,000,000 medical expenses coverage while overseas per individual ., enjoy overseas travel delay coverage of up to 120 hours [2], for any reason [3]., coverage for trip cancellations due to unexpected events even for last-minute purchases., additional benefits for your travels..

Protect against common travel inconveniences such as damage to personal belongings, personal accident, medical expenses while overseas and travel delays that are not caused by you.

Enjoy coverage for  adventurous activities [4]   such as skiing, bungee jumping, skydiving and more!

Opt for Enhanced PreX Travel Insurance if you are travelling with pre-existing medical conditions [5] such as diabetes, heart conditions, high blood pressure and more.

Opt for Family cover [6] if you are travelling with your spouse/partner and children.

With 24/7 Medical Emergency Hotline , you can call  (65) 6338 1222  for assistance in the event of an accident or medical emergency anywhere in the world. 

Renew your existing yearly plan [7] to enjoy additional limits on selected benefits (not applicable to Enhanced PreX Yearly Travel Insurance).

Taking a cruise? We cover you for sea travel, and this includes cruise to nowhere.

Get Income’s Enhanced PreX Travel Insurance if you have pre-existing medical conditions.

Ordinary travel insurance plans do not cover you for pre-existing medical conditions, but Income’s Enhanced PreX Travel Insurance does.

Get up to $300,000 overseas medical expenses and emergency medical evacuation coverage due to pre-existing medical conditions [5].

Get up to $15,000 coverage for overseas transport and accommodation expenses due to pre-existing medical conditions [1]., pre-existing medical conditions [5] that are covered include diabetes, heart conditions, high blood pressure, asthma, eczema and more..

You can now enjoy coverage under Enhanced PreX Per-trip plans for up to 60 days in a row per trip* (previously 30 days)! That means you can embark on longer trips with coverage for pre-existing injuries and illnesses that you knew about or sought treatment for before your trip.

*This is not applicable to purchases made via My Income app until further notice.

View our Standard Plans full coverage View our Enhanced PreX Plans full coverage Get actual rates that are tailored to your needs.

Buy Online Now!

Brave the unknown with comprehensive coverage from Income’s Travel Insurance.

Your policy toolkit.

Eligibility.

• Be living or working in Singapore
• Be holding a valid Singapore identification document (NRIC, employment pass, work permit, long-term visit pass or student pass)
• Be starting and ending your trip in Singapore 
• Have bought and fully paid for your policy before leaving Singapore
• Be more than 30 days old 

Printed brochure (Standard)

Printed brochure (PreX)

Policy conditions

Policy Conditions with COVID-19 Coverage Extension

Ways to pay for Travel Insurance.

Find out how you can make payment for your policy by choosing from the preferred methods below. For other accepted payment modes, you may get in touch with us through your preferred mode of contact at  www.income.com.sg/contact-us .

Giro lets you to make automated monthly payments for your premium every payment due date.

Apply for GIRO at  My Income online portal and get an instant approval for account holders of:

Your queries answered.

The coverage for all of the benefits in our travel insurance will be effective only when you are overseas except for the following:

• Personal accident
• Cancelling your trip
• If the travel agency becomes insolvent
• Postponing your trip

For Personal Accident, your cover starts when you leave the place you usually live or work (whichever is later) to start your trip, or three hours before the start date shown on your certificate of insurance, whichever is later. Cover ends:

• when you arrive at the place that you usually live or work after your trip;
• three hours after you return to Singapore;
• three hours after the period shown on your certificate of insurance; or
• three hours after the end of 180 days from the start of your per-trip policy (this applies to the Classic, Deluxe and Preferred plan), or three hours after the end of 60 days from the start of your per-trip policy (this applies to the Enhanced PreX Basic, Superior and Prestige plan), or three hours after the end of 90 days from the start of your trip under the Standard yearly plan or three hours after the end of 30 days from the start of your trip under the Enhanced PreX yearly plan (as the case may be); whichever is earlier.

For insolvency of travel agency, your cover starts:

• at the time when you book your trip (this only applies for yearly plan); or
• on the date we issue your policy; whichever is later.

For cancelling your trip or postponing your trip, your cover starts:

• at the time you book your trip (this only applies for yearly plan); or
• on the date we issue your policy; or
• as shown under the section which applies; whichever is later.

Yes, our travel insurance will cover you against all travel related benefits except any conditions that arise from any of your pre-existing medical conditions¹. If you have pre-existing illness, we will recommend you to take up an Enhanced PreX plan which will cover pre-existing medical conditions. For coverage on pre-existing medical conditions, please refer to the section on Enhanced PreX plans. ¹Pre-existing medical condition refers to any injury or illness (including any complications which may arise):

• which you knew about before the start of your trip; or
• which you have received diagnosis, consultation, medical treatment or prescribed drugs for in the 12 months before the start of your trip; or
• which you have been asked to get medical treatment or medical advice for by a medical practitioner within 12 months before the start of your trip.

The pre-existing medical condition definition also applies to injury or sickness of your family member or travelling companion.

Leisure activities that are accessible to the general public/tourists such as bungee jumping, scuba diving, motorcycling (including pillion riding), horse riding, winter sports, water rafting are covered in our standard policy terms.

However, dangerous or professional sports and activities are not covered in our policy terms. You may contact us at 6788 6616 if you wish to check if the activity you are taking part in is covered.

No, a Family covers:

• one adult or two adults who are husbands, wives or partners at the time of buying the policy; and
• covering any number of their children under the same policy

You may wish to consider buying a family cover for you, your spouse and your child, and adding your father as an individual insured. This can be done by selecting a plan for your Family cover and then adding an insured on the next page.

Yes, children more than 30 days old but less than 21 years old can be insured as a child. You may refer to our premium table found on our website for details.

If your child is travelling alone, you must purchase an Adult cover under the Classic, Deluxe, Enhanced PreX Basic or Enhanced PreX Superior plan for him/her. Your child can be a policyholder if he/she is aged 16 years and above.

You can take up a per-trip travel insurance plan for a maximum duration of 180 consecutive days for the Classic, Deluxe and Preferred plan, and a maximum duration of 60 days for the Enhanced PreX per-trip plans. We are not able to accept coverage for more than 180 consecutive days.

We may provide one-way cover on a case-by-case basis. Please contact us with your travel details.

No, your period of insurance must include your entire trip from the date of departure from Singapore to the date of arrival in Singapore.

Your period of insurance will be automatically extended while you are overseas, at no additional premium for the first 14 days if:

• the public transport you are travelling on to return to Singapore is delayed and you cannot complete your trip when the policy ends, and you are not the cause of the delay; or
• you have to go into hospital or are quarantined overseas as advised by a medical practitioner

Our policy covers people who are travelling overseas for business or for holiday. It is not intended to cover people who are travelling to seek medical treatment.

Yes, your travel insurance will reimburse you the necessary and reasonable cost of emergency medical, surgical, hospital, dental treatment and ambulance recommended or requested by a medical practitioner for you to be treated while overseas, up to the limit shown in the table of cover of your plan or up to a period of up to 45 days from the date of the first treatment, whichever comes first.

Yes, we will pay for the necessary and reasonable costs of emergency dental treatment recommended or requested by a medical practitioner for you to be treated while overseas, up to the limit shown in the table of cover of your plan or up to a period of up to 45 days from the date of the first treatment, whichever comes first.

Yes, our travel insurance will cover you for your specialist medical treatment expenses provided that you are referred by a general practitioner. This is for a period of up to 45 days from the date of first treatment or up to the limits of the policy contract, whichever is earlier.

Yes, we will pay for the necessary and reasonable costs of medical, surgical, hospital, dental treatment and ambulance for treatment and follow-ups in Singapore recommended or requested by a medical practitioner, depending on the conditions shown:

• No medical treatment received while overseas – You will need to visit a doctor within three days upon returning to Singapore. You will be further covered up to 30 days from the date of the first treatment you received in Singapore for any follow up treatment.
• Medical treatment received while overseas – You will be covered up to 30 days upon returning to Singapore for any follow up treatment.

Yes, you can seek medical treatment from a Chinese medicine practitioner or chiropractor provided that the practitioner is registered with the Traditional Chinese Medicine (TCM) Practitioners Board and possess valid practicing certificates. You will need to do so within three days upon returning to Singapore and you have up to a maximum of 30 days to continue treatment.

View registered Chinese medicine practitioners

Yes, one of your family members can come over to visit you provided that you are hospitalised overseas for at least three full days due to injury or sickness sustained during your trip and no adult family member is with you at that time.

We will pay for the reasonable economy-class transport expenses (for air, sea or land travel) and hotel accommodation expenses for one family member to travel and be with you or one travelling companion to stay with you until you are confirmed medically fit by a medical practitioner to continue with your trip or to return to Singapore or for up to 30 days from the date the trip ends, whichever comes first.

Yes, we will pay the benefit for each complete 24-hour period that you are an inpatient in the hospital, up to the amount shown in the table of cover of your plan. This benefit will end once you leave the overseas hospital.  

No, either Income or our appointed assistance company will arrange and decide on the best suited means of evacuation. It may include air ambulance, surface ambulance, regular air transportation or any other appropriate means. You can be assured that our decisions will be based solely on your severity and medical necessity.

Sending you home benefit covers the costs incurred for the transportation and return of the insured’s body back to Singapore or to his home country. This is provided that death occurs due to an injury or sickness which occurred whilst overseas.

You will be eligible for Cancelling your trip benefit under the following conditions, provided they happen within 30 days before you are due to leave:

• Death, serious sickness or serious injury you, your family member* or travelling companion suffer. You must have bought your policy three days (or earlier) from the day you leave Singapore unless the event is only accidental in nature.
• Government authorities stop you from travelling overseas because you are suffering from an infectious disease.
• A sudden riot, strike or civil commotion breakout in Singapore or at the destination you plan to travel to.
• Natural disasters which happen in Singapore or at the destination you plan to travel to.
• Serious damage to your home due to a fire or natural disaster.

You will be eligible for Cancelling your trip benefit under the following conditions if they happen before you are due to depart from Singapore:

• If your flight is cancelled by the airline due to closing the airport, runway or airspace, or poor weather conditions, which forces the airplanes to be grounded.
• If 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.
• If 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 first two reasons.

* Family member means your husband or wife, children, parents, brothers and sisters, parents-in-law, brothers-in-law, sisters-in-law, grandparents, grandparents-in-law, daughters-in-law, sons-in-law or grandchildren.

We will pay for the transport expenses (air, sea or land travel) and accommodation costs that you have paid or have agreed to pay under a contract and which you cannot get back (including the travel agent’s cancellation fee) up to the benefit limit of your plan. You must ask for a refund of any prepaid expenses from the transport or accommodation provider first. We will reduce your claim by the amount the transport or accommodation provider has refunded you.

No, you will only be covered under Cancelling your trip benefit of our travel insurance if you cancel your trip 30 days before the date of your departure from Singapore due to your serious illness.

No, you will not be covered under our travel insurance as work commitment is not one of our insured perils. However, you can cancel your policy and we will refund you the unused premium paid less an administrative fee of $21.80 (inclusive of GST) if we receive your cancellation request before the start date of your period of insurance.

Yes, we will pay for the transport expenses (air, sea or land travel) and accommodation costs that you have paid and which you cannot get back (including the travel agent’s cancellation fee) up to the benefit limit of your plan. You must have bought the policy three days (or earlier) from the day you are due to leave.

We will pay for the transport expenses (air, sea or land travel) and accommodation costs that you have paid or have agreed to pay under a contract and which you cannot get back (including the travel agent’s cancellation fee). We will also pay for extra economy-class transport expenses (air, sea or land travel) and reasonable accommodation expenses that you have to pay to return to Singapore. To view the applicable limits for this benefit, view the coverage for this plan .

We will pay for the transport expenses (air, sea or land travel) and accommodation costs that you have paid or have agreed to pay under a contract and which you cannot get back (including the travel agent’s cancellation fee).

We will also pay for extra economy-class transport expenses (air, sea or land travel) and reasonable accommodation expenses that you have to pay to return to Singapore. This payment is limited to the sub-limit shown in the selected plan in the table of cover.

No, you will only be reimbursed for accommodation and transport expenses. Other expenses such as taxi fares, meals and drinks will not be covered.

Yes, you will receive a cash benefit based on the benefit limit of your plan.

Yes, you will receive a cash benefit as shown in Section 6 of the table cover based on your plan provided that there is no alternative onward transportation made available to you within six hours of the scheduled departure time of your flight connection.

If the public transport you are scheduled to travel in during your trip is delayed for more than six hours in a row and you are not the cause of the delay.

For travel delay of more than six hours while you are overseas, we will pay a cash benefit of $100 for adults and $50 for children for every full six hours in a row of delay you suffer. If you have onward connecting public transport to your final destination, we will pay travel delay based on the actual arrival time at the final destination and the arrival time shown in the itinerary. For travel delay of more than six hours in a row before you depart from Singapore, we will only pay you a cash benefit of $150 for adults and $50 for children as shown in the table of cover. The maximum limit for this benefit is based on your plan.

Yes, for delay of every full six hours in a row while overseas you will receive a cash benefit of $200 for adult(s) and $50 for child(ren) in accordance to the premium you have paid. For delay after you arrive in Singapore, you will receive a flat cash benefit of $200 for adult(s) and $50 for child(ren). The maximum limit for this benefit is based on your plan.

Yes, you will be covered up to the limit as shown in Section 10 based on your plan.

Yes, you will be reimbursed up to the limit and sub-limits as shown in Section 10 based on your plan for your lost or damaged baggage.

No, you can only seek reimbursement for either Baggage delay or Damage of baggage benefit for the same event and not under both benefits.

We will pay for reasonable economy-class transport (air, sea or land travel) or accommodation expenses you have to pay while overseas to apply to replace the lost passport or travel documents. We will also pay for the administrative fee which you have to pay to get a replacement passport, passport photograph or travel document.

You will receive a cash benefit as shown in Section 11 based on your plan for any loss of money which belongs to you. This is provided that the robbery or theft occurred whilst overseas.

Personal accident benefit covers you against injury caused by accident that result in death or Permanent total disability or loss of limb(s) or sight within 90 days from the date of accident.

Yes, our travel insurance will pay you a cash benefit for each full day (e.g. 24 hours in a row) up to the benefit limit if you are held hostage following a kidnap whilst overseas.

You will only be reimbursed for the actual telephone charges up to the benefit limit for calls made to our appointed assistance company. This is provided that there is a medical emergency and a medical claim has to be submitted and payable.

It will reimburse you for any damage or loss to your home contents in Singapore due to fire while no one is staying in your home in Singapore during your trip.

You will be reimbursed for any excess or deductible which you are legally responsible for due to the loss or damage to the rental vehicle. This is provided that the following conditions are met:

• Loss or damage is a result of an accident
• Accident occurs during the rental period whilst you are overseas
• Rental vehicle is rented from a licensed rental agency
• A comprehensive motor insurance is taken up
• You are either the named driver or co-driver of the rental vehicle

Our travel insurance covers for any of the losses listed in the policy arising from or in relation to an act of terrorism, up to the limit as shown in your plan’s table of cover.

You will need to indicate the start date and end date of your trip for the Period of Insurance. The start and end date will be based on Singapore time. Start date: The date you are departing from Singapore (e.g. If you are departing from Singapore on 04 Sep 2016 23:50, you should indicate the Start Date as 04 Sep 2016). End date: The date you are arriving in Singapore (e.g. If you are arriving in Singapore on 05 Sep 2016 00:30, you should indicate the End Date as 05 Sep 2016).

You can submit a request via our Travel Insurance online endorsement portal to extend your period of insurance. We will process your request within 5 working days.

No, you will need to purchase your travel insurance prior to setting off for your overseas trip from Singapore. We strongly encourage you to purchase early before departure as our travel insurance covers for possible trip cancellation as well.

No, you must purchase two policies: one policy for your trip to Bangkok and one policy for your trip to Taiwan. The coverage for your single trip policy will end when

• You arrive at the place that you usually live or work after your trip
• 3 hours after you return to Singapore
• At the end of the period shown on your certificate of insurance, or
• At the end of the 180 days after the start of your single trip policy whichever is earlier.

Comparison between old and new enhanced COVID-19 Coverage

*Combined benefit limit for Overseas medical expenses, Emergency Medical Evacuation and Sending you home sections

COVID-19 coverage duration limit has also been increased.

For Standard per-trip policies, travellers can now enjoy COVID-19 coverage for up to 180 days of each trip.

Please refer to the latest policy conditions for more details.

Yes, as long as your trip begins on 10 April and after, you will automatically enjoy the enhanced COVID-19 coverage. You can refer to the latest policy conditions here .

There is no need to have a copy of your policy with the new policy conditions to enjoy the enhanced COVID-19 benefits.  Our claims department will assess the COVID-19 claims based on the new benefit limits.

For each reprint request, you will need to pay an administrative fee of $21.80 (inclusive of GST).

As we are not charging additional premiums with the enhanced COVID-19 cover, we need to focus only on the essential coverage of being protected while overseas. Most travellers who require medical treatment upon their return to Singapore can tap on their existing local medical insurance plans instead.

To file a COVID-19 related claim under this section, we require the following supporting documents:

• COVID-19 positive test result by an approved test provider or a medical practitioner
• A written confirmation from the overseas government authorities on the nature and period of quarantine
• Negative test result by an approved test provider or a medical practitioner
• Invoice/receipt of the extra expenses incurred (i.e., accommodation & transport)
• Written refundable or non-refundable confirmation from the service provider for the unused prepaid accommodation and transport expenses

Please note that this list of documents is not exhaustive. Other documents may be requested if necessary.

Under general conditions clause 2 (Automatically extending cover), your policy will automatically be extended for up to a maximum of 14 days if the following criteria are met:

a) you are diagnosed with and tested positive for COVID-19 by an approved test provider or a medical practitioner while overseas; and

b) COVID-19 benefits in sections 27a and/or 27b apply to you; and

c) you have to stay in hospital or are quarantined overseas in a quarantine facility as advised by a medical practitioner or local authorities; and

d) you cannot complete your trip when the policy ends.

If you do not meet all of the criteria above, your policy will not be automatically extended and you will need to pay additional premium to extend your trip beyond what was originally scheduled.

If your travelling companion tests negative for COVID-19 and decides to stay behind with you, they will need to pay additional premium to extend their trip beyond what was originally scheduled.

You may file a claim for the following sections, whichever is applicable:

• Section 1 - Cancelling your trip 

• Section 2 – Postponing your trip

• Section 3 - Shortening your trip

• Section 4 - Trip disruption

Policy terms and conditions will apply.

You can call our 24/7 Medical Emergency Hotline at (65) 6338 1222 for assistance.

If you have purchased your policy three days (or earlier) from the day you leave Singapore, we will respond to claim arising from COVID-19 for benefits stated below, whichever is applicable:

• Section 1 – Cancelling your trip

• Section 2 - Postponing your trip

Print all queries

Important notes

• For trip cancellation and trip shortening under Enhanced PreX Superior and Prestige plans, 50% co-payment will apply for claims due to pre-existing medical conditions.
• For Preferred Plan. Policy Ts&Cs apply.
• Except those caused by the insured. Policy Ts&Cs apply.
• This policy does not cover claims for loss or liability directly or indirectly caused by or arising from extreme sports which involve speed, height, danger, a high level of physical exertion, highly specialized gear or spectacular stunts, whether they are played competitively or noncompetitively, in a team or individually. Adventurous activity means any recreational activity commonly available to the public that is done overseas during your trip for leisure or as part of the tour and which: - is undertaken while complying with all safety procedures, such as wearing safety equipment and following rules and regulations; whether specifically advised or generally expected of a reasonable person, - where guidance and supervision of licensed guides or instructors are available, the recreational activity must be carried out under the guidance and supervision of licensed guides or instructors of the tour operator or activity provider, and - is not excluded under the general exclusions listed in part 4 of the general conditions of the policy
• We do not cover claims arising from a pre-existing medical condition where you have been given a terminal prognosis with a life expectancy of under 12 months. Please refer to policy conditions for the precise definition of pre-existing medical conditions.
• Family cover provides coverage for 1 or 2 adults who are spouses or partners at the time of purchase and any number of their children as long as: - Adult(s) is 16 years and above and is the parent or legal guardian of the children - Child(ren) is below 21 years old and is the biological or legally adopted child(ren) or ward of the adult named under the policy - Adult(s) and child(ren) must be insured under the same policy - Adult(s) and child(ren) must travel together if they are insured under single trip plans (not applicable for yearly plans).
• You must be insured under your existing yearly plan policy for at least 12 months and successfully renew your policy to be continuously insured for another 12 months. You will be notified in your policy document of your entitlement to the Travel Renewal Bonus upon successful renewal of your policy.

There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.

Important Notes

This is for general information only. You can find the usual terms and conditions of this plan in the policy conditions .

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 Income or visit the GIA/LIA or SDIC web-sites ( www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg ).

Apple and the Apple logo are trademarks of Apple Inc. registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.

Information is correct as at 9 April 2024.

Learn more about Travel Insurance.

For enquiries, call us at, the best deals. just for you..

Get advice tailored to your needs.

We are here to help. Leave your contact details below and one of our Income Advisors will reach out to you in 3 working days.

By providing and submitting the information, I give my consent and agree to Income Insurance Limited, its representative, agents (collectively “Income”) and its third party service provider(s) acting on behalf of Income in collecting, using and disclosing my personal data (including any update that I have given to Income) to contact me for marketing & promotional information relating to products and/or services offered and/or distributed by Income via email, call, and/or text messages/SMS.

I understand that the consent provided by me in this form is in addition to and does not supersede any consent which I may have provided previously in respect of the above purposes, unless my consent is withdrawn and notified to Income. I may withdraw my marketing consent given by email to [email protected]. Please refer to Income's Privacy Policy for more information, including access and correction of my personal data and consent withdrawal.

If I have notified Income that I am withdrawing my consent, I understand that my request will be effected within 10 days and I will stop receiving marketing messages after 21 days for the selected mode(s) of communication. I agree that I will continue to receive marketing messages via other modes of communication or on specific product(s) or services where my consent has been given to Income unless such consent has been withdrawn.

We use  cookies  to enhance your experience on our website.

Singapore Travel Insurance

Travel insurance for singapore.

Known for its mouthwatering hawker fare, dazzling skyline, and the ever-so-iconic Marina Bay Sands, Singapore is a combination of cultural delights and modern wonders. As you plan your exciting journey to the Lion City, it's essential to consider the unexpected twists and turns that can arise during your travels. In this guide, we'll unravel everything you need to know about travel insurance for your Singaporean adventure.

• What should your Travel insurance cover for a trip to Singapore? 

How does Travel Insurance work in Singapore?

• Do I need Travel Insurance for Singapore? 
• How much does Travel Insurance cost for Singapore? 
• Our Suggested AXA Travel Protection Plan
• What types of medical coverage does AXA Travel Protection plans offer?
• Are There Any COVID-19 restrictions for Travelers to Singapore?

Traveling with pre-existing Medical Conditions? 

What should your travel insurance cover for a trip to singapore.

At a minimum, your travel insurance to Singapore should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.  AXA Travel Protection plans are designed with these minimum recommended coverages in mind. 

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Singapore.

Imagine you're all set for your vacation to Singapore. You've got your itinerary planned, bags packed, and excitement levels through the roof. However, your flight encounters unexpected delays due to severe weather conditions. Here's where AXA Travel Protection’s "Trip Delay" coverage comes to assist. While waiting for the skies to clear and your flight to take off, you find comfort in knowing that your policy offers coverage for additional expenses incurred during the delay. Whether it's the cost of a meal at the airport or an unplanned overnight stay in a hotel, your travel insurance has got you covered. In times of escalating challenges, AXA is here to assist you in devising a strategic course of action. Here’s the full list of benefits AXA Travel Protection Plans have to offer:

Medical Benefits:

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits:

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Additional Optional Travel Benefits:

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I need Travel Insurance for Singapore?

Starting February 13, 2023, visitors to Singapore are no longer mandated to have travel insurance. However, it's highly advised for all travelers to consider obtaining a thorough travel insurance policy that includes coverage for medical emergencies, trip cancellations, and delays. Why? There are several reasons:

Singapore, known for its top-notch healthcare, might surprise you with unexpected medical costs. With coverage for emergency medical expenses, you're offered coverage and assistance for any unforeseen life events.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue.

Despite Singapore's efficient travel network, unexpected delays can happen. The "Trip Delay" benefit comes in handy, covering extra expenses like meals and accommodation so your travel hiccups do not turn into headaches.

How much does Travel Insurance cost for Singapore?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc.
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Singapore will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

Our Suggested AXA Travel Protection Plan 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Singapore hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses. The Platinum Plan is your go-to choice if you're looking for extra coverage for Singapore’s experience. " Cancel for Any Reason " offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Singapore's stunning landscapes in a rental car. For avid golfers planning a swing through Singapore’s world-class golf courses, the "Loss Golf Days" benefit is exclusive to Platinum plan policyholders. This optional benefit steps in to offer reimbursement for pre-paid golf arrangements that you might be unable to utilize due to specified golf closures.

What types of medical coverage do AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

• Emergency medical expenses 
• Emergency evacuation & repatriation 
• Non-medical emergency evacuation & repatriation 

Emergency Medical: Offers coverage when unexpected health issues happen, like broken bones, burns, sudden illnesses, or allergic reactions.

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. 

Non-Medical Emergency Evacuation and Repatriation: Comes into play when you urgently need to leave a place for reasons not related to health. This coverage may assist with evacuation in non-medical situations, such as natural disasters or civil unrest.

Are there any COVID-19 restrictions for travelers to Singapore?

Entry into Singapore for all travelers is permitted without the need for entry approvals, pre-departure tests, on-arrival tests, quarantine, or mandatory COVID-19 travel insurance.

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

1. Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2. When should I buy Travel Insurance to Singapore?

Purchasing travel insurance for your trip is advisable as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3. Do Americans need travel insurance in Singapore?

From February 2023, Singapore no longer requires travel insurance for visitors, but it's still advised. Given Singapore's reputation for outdoor activities like kayaking and hiking, having travel insurance is essential for emergencies.

4. What is needed to visit Singapore from the USA?

Documents required for entering Singapore include a passport valid for a minimum of six months, an SG Arrival Card (which you can obtain via the ICA website), bank statements demonstrating adequate funds for your stay in Singapore, and a confirmed onward or return flight ticket.

5. What happens if a tourist gets sick in Singapore?

If you become sick in Singapore, travelers with AXA Travel protection can contact the AXA Assistance hotline at  855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions. AXA Assistance USA, Inc.© 2023 All Rights Reserved. 

AXA already looks after millions of people around the world

With our travel insurance we can take great care of you too

Get AXA Travel Insurance and travel worry free!

Travel Assistance Wherever, Whenever

Speak with one of our licensed representatives or our 24/7 multilingual insurance advisors to find the coverage you need for your next trip.

• Health Insurance

How to Find the Best Health Insurance

Health insurance is a key foundational product everyone should have. As hospitalisation costs are so expensive, it is important you have good health insurance coverage in the event of an emergency. In this guide, we break down how to evaluate health insurance plans across many different factors including price, benefits, riders, and more.

by ValueChampion Editorial Team on Apr 3, 2024

Whether you are looking to supplement your Medishield Life policy with an Integrated Shield Plan or you are an expat looking for health insurance during your stay in Singapore, the path to buying the right supplemental health insurance plan can be riddled with questions. To help you make the right decision, we discuss the different factors you should consider before making your health insurance purchase.

Click into our drop down table of contents to help you swiftly navigate our all encompassing guide to health insurance in Singapore.

Table of Contents

Integrated Shield Plans vs. International Health Insurance

Choosing a plan based on hospital ward, choosing a plan based on benefits and medical coverage, choosing a plan based on riders offered, choosing an ip plan based on cost, choosing a plan based on region of coverage, choosing a plan based on benefits, choosing a plan based on cost.

In Singapore, there are two types of private health insurance plans to choose from: Integrated Shield Plans (IPs) and International Health Insurance.

For Singaporean citizens and permanent residents, Integrated Shield Plans are the most commonly purchased private health insurance as they act as a supplement to Medishield Life and are payable with your Medisave account. They are a good option for Singaporeans/ PRs who wish to get higher levels of coverage or get coverage for a higher hospital ward.

IPs are jointly insured by the CPF board and private insurance companies, and are integrated with your Medishield Life plan. There are currently 7 insurers in Singapore offering IPs: HSBC Life, AIA, Singlife, Income, Great Eastern, Prudential and Raffles Health. Most of their coverage is similar, with the major differences being premiums, some miscellaneous benefits and the optional riders .

International health insurance can be a good option for expats who have settled in Singapore and for Singaporeans who frequently travel and live abroad for months at a time. International health insurance plans provide coverage for multiple countries. However, unlike Integrated Shield Plans, you cannot use your Medisave monies to pay for them nor are they exclusively sold by Singapore-based insurers.

International health insurance plans differentiate themselves by region of coverage and by comprehensiveness of their benefits. While base plans usually only cover hospitalisation, you can choose to top up your coverage by adding outpatient, dental and maternity packages .

Related: 5 Surprising Things Your Integrated Shield Plan Doesn’t Cover

How to choose the best integrated shield plan.

There are several factors to consider before settling on a plan when you are looking to supplement your Medishield life with an IP. These factors include the hospital ward you want coverage for, the benefits the plan offers and the cost.

Despite IPs being fairly similar across the board among these factors, you’ll notice there are some key differences that can make one insurer a better fit for you over others.

The first thing to think about before settling on a plan is to decide which hospital ward you would like to stay in. Those who prioritise privacy may appreciate the one-bed or double bed rooms ward A offers. On the other hand, someone who doesn’t mind being around a few people may find the four-bed B1 ward rooms more to their liking compared to the more crowded eight-bed rooms of ward Cs.

The type of ward you choose can change your IP premium significantly, with premiums increasing with the privacy of the ward. Thus, wards are an important factor to consider, not only because it will play an important role in the comfort of your hospital experience but it can affect your ability to afford your premium as well.

For instance, your premium can be as much as 295% more expensive when upgrading from a ward A (public hospital) to a private hospital plan, equivalent to an average of several hundred dollars or more, depending on your age. Paying more for a higher ward class can make sense if you know you will only want to get treated at ward A or private hospitals. Don’t fall into the trap of overspending by buying a ward A plan just in case you’ll want to get treated there, but in reality spend most of your hospitalisations in a ward B1 or below.

Related: Ward Classes, Pro-Rations and IP Plans: Here’s What You Need To Know

Besides choosing a plan based on the type of hospital wards, you should also compare the coverage offered by the insurers. This will ensure that you are getting a plan that will cover all of your medical concerns and won’t leave you hanging dry when you need to claim for a particular medical expense.

You’ll find most of the coverage to be fairly standard across IPs, with major differences being annual limits, pre and post-hospitalisation coverage and a variety of miscellaneous benefits. All Standard IPs (Standard Plan tier, which was developed in response to the MediShield Life Review Committee’s recommendation in 2014 to provide a “no-frills” IP option and is offered on per benefit claim limit ) provide the same coverage, so those considering a Standard IP should compare premiums rather than coverage.

When comparing benefits of IPs, looking at their annual limits can be a good place to start, since benefits that are considered to be fully covered are still limited by the annual limit. For instance, annual limits for ward B1 plans (restructured/ public hospital) range from S$200,000 to S$500,000 and between S$550,000 to S$2,500,000 for ward A (restructured/ public hospital) & Private plans.

Furthermore, there are other benefits to consider depending on your medical needs. For instance, you can compare pre-and post-hospitalisation days coverage if you are looking for a plan with generous coverage for the time before your scheduled hospitalisation and for your subsequent recovery. Those concerned about psychiatric coverage should look for plans that provide inpatient and post-hospitalisation psychiatric coverage. There are even some plans that offer additional critical illness coverage , so consumers looking for some extra health coverage for illnesses such as heart attacks and stroke will find benefit in plans that provide this perk.

In addition to choosing a plan based on its base coverage, you should also look at the riders it offers. While you can no longer purchase riders that fully cover the deductible and co payment, you can still find some useful benefits in the variety of IP riders offered.

For instance, riders can offer emergency outpatient coverage, coverage for post-hospitalisation alternative treatment and immediate family hospital accommodation. Some riders also cover up to 95% of the co-insurance and may even cover the annual deductible. In 2022, the Cancer Drug List (CDL) was introduced. This announcement saw changes in IP and the riders coverage. Only c ancer treatments on the CDL can be eligible for government subsidy and be paid for with MediSave. Otherwise, the treatment costs for drugs not on the CDL would have to be paid for out of pocket. For people with IPs, coverage ranges from double to five times the MediShield Life limits, depending on their insurer and plan.

Cancer treatment coverage limit is generally much higher for those who have bought IP riders.  However, these riders are not Medisave deductible, so you should make sure you can afford the extra cost even if you find these benefits to be useful.

Related: Elevate Your Coverage Game with Hospital Cash Insurance Plans

Health insurance is one of those things where you can’t always purchase based on your budget—if you need coverage for certain health issues you may have no choice but to pay more. IPs get more expensive the higher the ward you choose and the older you get. You might not even be able to get full coverage if you have certain pre-existing medical conditions. Hence, the general advice is to get the coverage while you are still insurable!  For example, while a Standard plan costs an average of S$103 for a 45-year old, a private hospital plan for the same person will cost S$723. 

Another major factor to consider when choosing your IP is to see whether or not you’ll be able to afford the increase in premiums as you get older. Someone in their 20’s can expect to pay between S$45 and S$221 and someone in their 60’s can expect to pay between S$270 and S$2,014 annually. The majority of the IP’s cost can be offset by your Medisave and you may end up not paying anything out of pocket up until a certain age. However, older individuals and those with ward A or private hospital plans may start paying out of pocket at an earlier age because the Medisave you can put towards your IPs are capped at certain amounts for different age groups. Thus, elderly policyholders of ward B1 to private plans may not be able to afford the premiums that rise above their allowable Medisave contributions.

Related: Guide To Subsidised Healthcare For Senior Citizens In Singapore

How to Choose the Right International Health Insurance Plan

Choosing the right international health insurance plan depends on what region you’ll need coverage for, what benefits the plan provides and the plan’s affordability. You will also have to decide if you will really benefit from an international health insurance plan as opposed to an annual travel insurance policy.

You should choose an international health insurance plan if you take overseas trips months at a time, if you temporarily relocate to a new country or if you are an expat living in Singapore . However, you may fare better with the much more economical annual travel insurance plan if you are a Singaporean who goes on a few short business trips a year (annual travel insurance can provide up to 90 days overseas coverage per trip).

Local health insurance (MediShield Life or Integrated Shield Plan) will not be able to cover your overseas medical needs if you are a Singaporean relocating abroad to work. For someone (non-Singaporean or non-Singapore PR) moving to Singapore for study or work, international health insurance is an insurance coverage that you may want to consider getting for yourself (and your family, if they are relocating with you). Healthcare costs are subsidised for Singaporeans, but for foreigners, this can be a hefty cost!

The first step to choosing a good international health insurance policy is to know which area of the world you’ll need coverage in. For example, you can look for plans that provide you cover just for the one country you will be spending most of your time in. On the other hand, global citizens who travel constantly and need coverage for multiple locations can benefit from an insurer that provides regions of coverage (i.e. worldwide coverage plans). You have to know whether or not you’ll need US coverage. This is because most insurers leave out the United States from worldwide plans unless you specifically get a plan that includes it—and oftentimes this comes at a significant cost increase.

Expats living in Singapore also have the option of getting either a Singapore only plan or a plan that provides coverage in the ASEAN. This ASEAN or ASIA-only plan can be more cost effective than purchasing a worldwide plan for those who will need coverage beyond Singapore due to frequent business trips/longer term work assignments.

Getting the right insurance plan means you’ll be receiving enough coverage for your current and potential medical needs. You should examine all the benefits that are offered by the insurer as well as all the exclusions.

For instance, finding a plan with a high annual limit and comprehensive coverage can be a good option if you are looking for all-around coverage where everything from cancer to the common cold is covered. On the other hand, you can find plans that provide specific coverage for things you are concerned about such as maternity benefits or mental health . For those looking for outpatient, maternity, dental or vision coverage, international health insurance plans also offer optional add-on packages that provide these coverages, albeit sometimes at a hefty cost.

Considering that healthcare around the world is quite costly, you should make sure your health insurance will not only cover your specific health concerns but also have a high enough annual limit to prevent paying out of pocket for some of the more costlier medical emergencies such as accidents, cancer and chronic conditions. To make sure you are getting a plan with enough coverage, we suggest you take a look at your past medical expenses and adjust them to reflect the cost of similar treatments and procedures in your new location. That way, you will prevent under or over-insuring.

With international health insurance costing as much as several thousand dollars a year, price is another important factor to consider when choosing the right plan. Premiums tends to increase with age. You are likely to start off paying an average of S$2,760 per year for a low tier international plan when you are 25, with premiums growing to as much as S$6,766 per year by the time you are 55. 

The same consideration goes for choosing an add-on outpatient coverage to your base plan. These optional/ add-on benefits also increase the premium payable. You should consider your needs, wants and budget in totality prior to making a decision. 

Choosing the right health insurance is vital as it is considered a long-term investment. Switching insurers can backfire on you as it can result in higher premiums and exclusions of previously covered chronic conditions. Thus, it is vital to choose a health plan that offers the right coverage and premium that you will be able to afford not just at current age, but in the future as well.

It is also important to discuss with your insurer what conditions are excluded from coverage. While some insurers will absolutely refuse coverage for pre-existing conditions, others may include them on a case by case basis or charge an extra percentage (aka loading) on your premium in exchange for giving you the coverage. 

If you would like to learn more about the types of health insurance that is available, you can read our guide to the best Integrated Shield Plans , as well the best international health insurance .

Cannot find what you are looking for? Please reach out to us here .

• Guide to Finding the Best Hospitals in Singapore
• How Much Insurance Coverage Do You Really Need And What Insurance Plans Should You Get?
• The Real Financial Cost of Critical Illnesses in Singapore
• Single-Pay vs Multi-Pay Critical Illness Plans
• 5 Medical Procedures With Exorbitant Out-Of-Pocket Costs

Cover image source: Unsplash

This content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice. Nothing contained on our Site constitutes a solicitation, recommendation or endorsement by AMTD PolicyPal Group in this or in any other jurisdiction in which such solicitation or offer would be unlawful under the securities laws of such jurisdiction.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Under AMTD Digital, AMTD PolicyPal Group consists of PolicyPal Pte. Ltd., Baoxianbaobao Pte. Ltd., PolicyPal Tech Pte. Ltd., and ValueChampion.