ntuc travel insurance policy document

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How to Claim Travel Insurance? A Comprehensive Beginner’s Guide (2022)

Nobody ever wants to make travel insurance claims unless they really, really have to. Why? Because it’s troublesome, lah .

It’ll always be a hassle to fill up forms and rustle up the required documents, but just like waxing your legs, if you already know exactly what to do and how to prepare, the entire process can be relatively quick and painless — easy-peasy !

Most common travel insurance claims
How to claim travel insurance [step by step guide]
Covid-19 travel insurance claims
How long do travel insurance claims take?
Travel insurance claims were rejected
Why your travel insurance claims were rejected

1. Common travel insurance claims

What is the most common travel insurance claim?

Think it’s loss of baggage? You’re way off.

If you were to guess medical expenses or personal accident, you’d be closer, but that would still not be the answer.

In actual fact, flight delays are what most travellers experience, and it’s not surprising, especially when you consider the preference for budget airline travel.

Flight delays

Let’s be fair here, flight delays could happen to anyone, due to a myriad of reasons. It could be a mechanical fault with the plane, bad weather, or naming your airline Scoot. Whatever the reason, flight delays can really put a damper on your plans.

Lost or Damaged Luggage

You hope it never happens to you, but when your luggage looks like everyone else’s (especially if all of you got it from the same credit card roadshow) there’s always a chance that someone else may have disappeared with your luggage. Alternatively, your suitcase may be too heavy for a tired, overworked airport staff to handle, and they may drop it, damaging the contents.

Luggage delayed

You’re lucky enough that your baggage isn’t lost, however, because a budget airline decided that your suitcase needed a short vacation away from you, you find yourself without clothes and more importantly, without your Macbook Pro for several hours! Leaving you to use… a PC at the hotel lobby. Such a travesty.

2. How do I make a travel insurance claim [Step-by-step guide]

So, the thing about travel insurance is that people only remember it when something unpleasant messes up our travel plans. Then, we panic and scramble when the insurer asks for things like the purchase receipt of a DSLR camera bought 6 years ago.

Sound familiar? If yes, here’s a pro-tip — be familiar with what you can and can’t claim for, and make sure you have a rough idea of the supporting documents needed.

It’s good practice to have a copy of your insurance policy on your phone, so you can always check it as and when you need, even on the go. Some travellers also have a habit of snapping photos of their luggage and belongings before the trip, just in case anything gets lost, delayed or damaged.

The exact claim procedure will depend on your insurance company, but generally, the process goes like this:

Step 1: Contact your insurance company as soon as possible

Depending on your policy, there is usually a time limit as to how long you can wait to give written notice about your intention to claim.

Usually it’s 30 days, but even then you shouldn’t be taking your time. Remember that you may need to get others involved, like the police or your GP, and that will take time.

Step 2: Download and fill up the travel insurance claim forms

Not all travel claims forms are made equal. Make sure you know what you’re claiming for – if you’re claiming on medical grounds, or if there was a delay or cancellation, or even if it’s both.

Choosing the right form is important because leaving any blanks in the form could cause delays in the claim process.

Also note that, for claims that are a result of illness, injury or death, you may need a GP or Specialist to fill up sections of the form for you. Yes, that means even if you’re claiming for travel cancellation due to sickness, you will need to get your GP or Specialist to certify that your illness did not exist, or that you were not aware of it, before booking the trip.

Step 3: Prepare your supporting documents

This is the biggest cause of delayed or rejected claims, so make sure you have everything you need before filing the claim.

Other than a completed claim form and a copy of the policy/certificate of insurance, you will also need to include your passport/itinerary to prove that you had travelled or at least made travel plans.

Then there’s a whole list of supporting documents you’ll need to provide depending on the type of claim you’re making.

Generally, if it requires a police report, you will need to report it to the local police within 24 hours of the incident.

Also, if you intend to claim for belongings that were damaged or stolen, you’d need to produce the original purchase receipts and photos of it to prove that you own these items.

If you are a hardcore “KonMari” fan and have tossed the receipts for all your fancy gadgets — cameras, laptops, etc — then it’s best not to travel with these items.

Step 4: Submit your claims documents online, in person or via snail mail

Once you’ve got everything you need, you can officially file the claim. Most insurers now have online platforms for easy submission, which is great for the younger, more tech-savvy crowd.

I’ve personally done medical expenses claims via FWD’s website and it was surprisingly fast and seamless.

For those who prefer to do it offline, you can either mail your documents over or head down to the branch office directly.

3. Covid-19 travel insurance claim

Travel insurance companies these days have extended their coverage for Covid-19, but at a cost. It’s usually a $20 to $40 dollar add-on, and you need to check if your insurer requires you to take and receive a negative PCR test result immediately after buying your policy.

In the event that you do catch Covid-19 before, during or after your trip, here are the things you need to do:

Read on: Your Ultimate Covid-19 Travel Insurance Claims Guide

4. How long do travel insurance claims take?

Typically, claims take a week to a month to be processed. The first thing to do is to make sure they’ve received your supporting documents.

If you haven’t heard anything from them in 2 weeks, you should definitely be pro-active and contact your insurer. The last thing you want to hear is that they hadn’t even started processing your claims because you left something out, and weren’t informed.

5. My travel insurance claims were denied and rejected

Should you appeal? Yes you should.

If your claims were denied, the insurer is obligated to provide you with a valid reason and the grounds for their decision. Once you get that, you can then request for claims appeal .

What happens moving forward depends on the insurer and how they handle your case, but let’s be honest here: there is always a conflict of interest when making an insurance claim.

Your agenda is to get as much compensation as possible. An insurance company’s agenda is to reduce your claim as much as possible. So yes, you can appeal, but it may not always be successful.

6. Mistakes causing your travel insurance claims to be rejected

So, you’ve bought travel insurance. Now it’s time to go skydiving and swimming with the sharks. Right? Not so fast.

Travel insurance isn’t a “get out of jail free” card that magically frees you from having to pay any expense you incur due to stupid mishaps.

In fact, if you actually take the time to read your travel insurance policy, you’ll realise that there’s actually a truckload of things you can do to get your claims thrown straight into the bin.

Here are 5 common travel mistakes that may cause your travel insurance claims to be rejected:

Playing in a competition or tournament

Participating in a seemingly harmless game of football may not exactly be as exciting as jumping off cliffs into the ocean, but suffer an injury during the game and you could well get your insurance claim for medical expenses rejected.

Read your insurance policy carefully to see if cover is excluded if you participate in a competition or tournament. Beware, as any sporting event that gives you the opportunity to win a prize might be considered a competition.

That means if someone punches your lights out during the drunken muay thai boxing event organised by that Thai pub, you won’t get covered.

Risky activities

Many Singaporean tourists flee the country to escape from boredom during the holidays, since there’s so much more fun stuff you can do overseas, like skydiving and bungee jumping !

But before you sign yourself up for that motorcycle drag race, know that many travel insurance will not cover you for injuries or losses suffered in the course of high risk activities, which often include flying planes for hobby or sightseeing, racing any kind of vehicle, skydiving, and even rock climbing on actual rocks, as opposed to artificial rock walls.

Consuming alcohol or drugs

Virtually everyone has gotten smashed overseas. Every day of the year, Singaporeans are spotted disembarking at the Phuket and Bangkok airports and heading straight to the duty free shop to buy a bottle of Martell. But guess what, if you are under the influence of alcohol or drugs, you probably aren’t going to be able to make a claim for anything that happens to you during that time.

That means getting run over by a tuk tuk after a night out at the Thai discos is going to be even worse than you imagined. Bear in mind that your travel insurance covers more than just medical expenses. If you injure someone else and become liable at law or lose your passport while drunk or high, you will lose your chance to make some big claims.

Pre-existing medical conditions

The thing people are most concerned about when they buy travel insurance is making sure their medical expenses will be covered when they’re overseas. It’s worth noting that most basic travel insurance policies will not cover pre-existing medical conditions. As sinister as “ pre-existing medical conditions ” sounds, it isn’t restricted to deadly terminal diseases.

If you broke your leg two years ago and then break it again while you’re overseas, you might not be able to make a claim for medical expenses incurred. If you were recently injured or have a medical condition like diabetes or anaemia, you might want to consider upgrading your insurance so it includes pre-existing medical conditions, just in case something happens and you run into problems when trying to make a claim.

Not making a police report ASAP

Before you heave a sigh of relief that your insurance policy offers coverage if you lose your passport or laptop, beware. To make sure people don’t try to make claims for forgetting their stuff on the train or trying to pawn their belongings, most insurance policies require that you make a police report or contact the authorities within 24 hours of the loss.

This can be a pain in the neck if you’re in a remote area or you lose your stuff over a public holiday or weekend when the embassy is closed. Still, knowing you have a lot more to lose in insurance money, make sure you lodge a report by hook or by crook.

Any other tips for making travel insurance claims ? Share them with us in the comments below!

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Ntuc income travel insurance review: covid-19 coverage, pre-existing conditions, premiums.

What do you think of when you hear the acronym “NTUC”? The FairPrice supermarket, of course, said every self-respecting auntie ever. But frequent travellers might also think of NTUC Income’s popular travel insurance plan since they are one of Singapore’s biggest travel insurance providers.

However, NTUC Income travel insurance plans also have a reputation for being expensive. Some internet users have also complained that it is difficult to make claims.

Are these rumours true? Let’s find out once and for all.

NTUC Travel Insurance: Summary

NTUC Travel Insurance Coverage

NTUC Travel Insurance Pre-Existing Conditions

NTUC Travel Insurance COVID-19 Coverage

NTUC Travel Insurance: Extreme Sports

NTUC vs MSIG vs Etiqa Travel Insurance

NTUC vs FWD Travel Insurance

NTUC Travel Insurance vs Other Travel Insurers

NTUC Travel Insurance Promo

NTUC Travel Insurance Claim

Should I buy NTUC Travel Insurance?

1. NTUC Travel Insurance Summary

NTUC Income has 2 travel insurance plans:

NTUC Travel Insurance Standard

NTUC Income Enhanced PreX (covers pre-existing medical conditions)

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

Classic/ Basic PreX

Deluxe/ Superior PreX

Preferred/ Prestige PreX (most expensive)

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

ASEAN : Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand, Vietnam

Asia : Australia, China (no Mongolia, Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan, ASEAN

Worldwide : All countries

Countries not covered : Afghanistan, Iraq, Liberia, Sudan, Syria

2. NTUC Travel Insurance Coverage

Here’s a quick look at the premiums and coverage for the NTUC Travel Insurance Standard plans:

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

However, do note that emergency medical evacuation shares the same overseas medical expense claim limit for adults aged 70 and over – which may not be sufficient if you are in that age range, run into an adverse medical situation abroad, and require both immediate treatment and a medical flight home to Singapore. If medical coverage is important to you, FWD Travel Insurance offers unlimited medical evacuation and repatriation coverage.

Total Premium

25% Off Total Premium S$18.13

MoneySmart Exclusive

$35,000 Lucky Draw | New Trip Cancellation Add-on

FWD Premium

Med. Coverage (Overseas)

Trip Cancellation

Loss/Damage of Baggage

Total Premium Total Premium S$18.13 25% Off

MoneySmart Exclusive:

[ Score up to $35,000 ] All eligible customers are guaranteed to receive an S$20 iShopChangi e-voucher* ! Additionally, receive an Eskimo Global 1GB eSIM* worth USD7 (no min. premium required)! T&Cs apply On top of that, apply and be automatically enrolled in our Wowza Travel Bonanza and score the latest Apple gadgets, Samsonite Spinner and more! T&Cs apply.

Valid until 15 Dec 2023

More Details

Key Features

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

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

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

See all plan details

One great advantage of NTUC Income’s travel insurance is the high trip cancellation coverage ranging from $5,000 to $15,000. Other travel insurance providers might not be so generous. For instance, Great Eastern is offering $2,000 to $15,000, while AIG offers $2,500 to $15,000.

Great Eastern TravelSmart Premier Classic

Loss of Baggage

Comprehensive worldwide protection with extensive medical coverage

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

One way coverage is availble to your destination

Adventurous activities benefit - Complimentary benefits at no extra cost

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

Protect against pregnancy-related conditions while you are overseas

Most Flexible Plan

AIG Travel Guard® Direct - Supreme

Overseas Medical Expenses

Travel Cancelation / Postponement

Loss/Damage of Personal Baggage

[Receive your cash as fast as 30 days*] All eligible customers are guaranteed up to S$70 in Cash (via PayNow) and rewards*! Additionally, receive an Eskimo Global 1GB eSIM* worth USD7 (no min. premium required)! T&Cs apply.

Valid until 31 Dec 2023

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

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

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

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

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

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

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

3. NTUC Travel Insurance Pre-Existing Conditions

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

The most obvious difference between a Pre-Ex travel insurance plan and a regular travel insurance plan is, of course, price. The cheapest NTUC PreX plan costs over twice the price of a regular NTUC travel insurance plan!

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

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

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

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

NTUC Enhanced PreX Travel Insurance Premiums and Coverage:

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

Even though NTUC Pre-Ex travel insurance offers you COVID-19 coverage, the downside is that they’ve lowered the medical benefits you get if you’re aged 70 and above.

For example, for those aged 70 and above NTUC PreX’s overseas medical and emergency medical evacuation coverage share a total claim limit of $500,000 for its basic plan tier (as opposed to up to $250,000 in overseas medical expenses and $500,000 in medical evacuation coverage for under 70s).

By comparison, MSIG Pre-Ex basic offers $250,000 / $50,000 medical (below 70 / above 70) and $1,000,000 evacuation regardless of age, while Etiqa Pre-Ex basic offers $200,000 medical and $1,000,000 evacuation and repatriation of mortal remains.

Otherwise, NTUC PreX’s miscellaneous trip cancellation and baggage delay benefits are pretty good.

4. NTUC Travel Insurance COVID-19 Coverage

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

You won’t find the COVID-19 coverage table in the usual NTUC travel insurance policy wording. Instead, there’s a separate NTUC travel insurance COVID-19 policy wording document that you should refer to.

NTUC travel insurance’s COVID-19 coverage and benefits:

Few of us really scrutinise the individual coverage limits on our travel insurance, trusting that they do cover the bare essentials.

The good news is that NTUC travel insurance’s COVID-19 extension is simple, and adequate. Take COVID-19 overseas medical coverage for example, NTUC offers $150,000 while MSIG’ basic plan offers $75,000. Then, there’s overseas COVID-19 quarantine cash allowance, which NTUC gives $100 per day, up to $1,400, but Etiqa’s basic plan offers $100 per day, up to $500 only.

5. NTUC Travel Insurance: Extreme Sports

Since our last review in July 2022, NTUC has updated its Travel Insurance policy to include more c ommon vacation activities like scuba diving and skiing. Nevertheless, extreme thrill seekers may want to go for a more lenient insurance provider such as Direct Asia travel insurance , which properly covers extreme sports and martial arts.

To be honest, NTUC Travel Insurance is adequate if you’re looking to snorkel or join a guided tour group with a licensed outdoor adventure operator. But if you’re a hardcore adrenaline junkie…you might want to look around instead.

6. NTUC vs MSIG vs Etiqa Travel Insurance

If you’re considering NTUC travel insurance, you should be comparing it against established household insurance providers such as MSIG and Etiqa.

All 3 insurers, NTUC, MSIG, and Etiqa offer COVID-19 coverage in their travel insurance plans automatically. Other plans that include automatic COVID-19 coverage include Starr TraveLead Comprehensive, Bubblegum Travel Insurance, Singlife Travel Insurance and DBS Chubb Travel Insurance.

In terms of overseas medical expenses, MSIG offers comparable coverage to NTUC’s travel insurance. When it comes to other travel and logistics-related coverage such as trip cancellation and baggage loss, NTUC and MSIG travel insurance plans’ coverage are also pretty much on par.

All things considered, NTUC and MSIG travel insurance plans are shockingly similar and competitive. A key difference is emergency medical evacuation coverage for people aged 70 and over–NTUC travel insurance parks that under the overseas medical expense limit.

7. NTUC vs FWD Travel Insurance

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

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

8. NTUC Travel Insurance vs Other Travel Insurers

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

9. NTUC Travel Insurance Promo

Even though many Singaporeans probably don’t mind paying more for NTUC travel insurance just because it’s a household brand name, their travel insurance plans are actually pretty expensive.

However, with ongoing promotions like the current 45% discount promo, it can be value for money. All standard per-trip plans qualify for the promo. For example, if you wanted to go temple-hopping for a week in Myanmar, the cheapest Classic plan would cost just $33.55 after the discount. Here are the premiums you’ll be paying with the current 45% discount promo:

In addition, Income is offering an additional 15% off Enhanced PreX per-trip plans with complimentary personal accident coverage for 6 months.

10. NTUC Travel Insurance Claim

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

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

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

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

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

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

NTUC Travel insurance online claims: Submit NTUC travel insurance claims online with supporting documents such as invoice, flight itinerary, police report, etc. through their website. You can do so for the following benefits:

Trip cancellation

Trip shortening

Travel delay

Baggage delay

Loss and damage of baggage or personal belongings

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

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

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

11. Conclusion: Should I buy NTUC Travel Insurance?

NTUC travel insurance isn’t the absolute cheapest around, but their regular travel insurance plans are very affordable and value for money when there’s a 45% promotion going on.

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

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

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

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

The post NTUC Income Travel Insurance Review: COVID-19 Coverage, Pre-existing Conditions, Premiums appeared first on the MoneySmart blog .

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

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NTUC Income adds Covid-19 insurance coverage for overseas travel

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

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

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

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

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

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

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

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

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

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

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

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

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

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NTUC Income adds Covid-19 insurance coverage for overseas travel

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

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

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

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

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

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Our picks of the latest dining, travel and leisure options to treat yourself.

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

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Comprehensive Review of NTUC Travel Insurance: Coverage, Benefits, and More

NTUC Travel Insurance is a product offered by NTUC Income, a leading insurance provider in Singapore. Established in 1970, NTUC Income is dedicated to offering affordable, comprehensive, and accessible insurance coverage to individuals and families. Their travel insurance plans are tailored to safeguard travelers against a wide range of unexpected circumstances, ensuring peace of mind during their journeys.

Primary features and highlights

Primary features and highlights refer to the key characteristics and notable aspects of a subject. These are often the distinguishing factors and unique attributes that set it apart. Speaking of which, an NTUC travel insurance review typically focuses on these primary features and highlights, offering insights into how it stands out in the competitive insurance market. They can refer to an event’s main activities, a product’s exceptional features, or a service’s outstanding components.

In-Depth Review of NTUC Travel Insurance Coverage

Medical and accident coverage.

Medical and accident coverage is a type of insurance policy that helps cover medical expenses resulting from sudden illnesses or accidents. It offers financial assistance towards hospitalization costs, doctor’s fees, medication, and related health care services following an unexpected event.

Travel inconvenience benefits

Travel inconvenience benefits offer compensation for unexpected challenges encountered during a journey. These include flight delays, lost luggage, emergency accommodation needs, and medical emergencies. Such benefits alleviate stress, offering travelers peace of mind and financial security.

Baggage and personal effects protection

Baggage and personal effects protection is an important feature in travel insurance policies. It covers loss, theft, or damage to personal items during your transit or stay. This ensures secure travel experiences, granting peace of mind to travelers while on their journeys.

Extra coverage – Adventure Sports, Golf Equipment, etc.

Extra coverage options for adventure sports and golf equipment provide specialized protection for enthusiasts. These coverages ensure your gear is protected from theft or damage, and in the case of adventure sports, it covers potential accidents or injuries as well.

Overview of COVID-19 Coverage under NTUC Travel Insurance

NTUC Travel Insurance now includes coverage for COVID-19-related incidents for customers. This includes medical and hospitalization expenses incurred overseas due to infection. Additionally, cancellation and trip postponement benefits related to the virus are also part of the coverage.

Detailed benefits of NTUC Travel Insurance

Extended coverage options.

Extended coverage options provide additional insurance protection beyond standard policies. These options may cover unforeseen circumstances such as natural disasters, vandalism, or unexpected health issues. They may cost more, but offer increased peace of mind.

High claims limit

A high claims limit refers to the maximum amount an insurance company is willing to pay for a claim. It’s beneficial for policyholders as it provides extensive coverage, safeguarding against substantial financial losses caused by accidents, illnesses, or damages.

Access to 24/7 emergency assistance

With around-the-clock availability, 24/7 emergency assistance provides immediate help during urgent situations. Access to this service ensures safety at all times, regardless of when an emergency occurs. Thus, it promotes peace of mind and guarantees immediate response in crisis events.

Special benefits for family plans

Family plans offer special benefits such as discounted rates, shared data, and free add-ons for multiple lines. These plans may also include parental controls, unlimited talk and text, and exclusive family features enhancing connectivity and savings.

Option of pre-existing medical coverage

Pre-existing medical coverage is an insurance option that covers prior health conditions. It is vital for individuals with ongoing health issues as it ensures they receive necessary care and medication regardless of their health status at the onset of the policy.

Variety of Add-ons

Add-ons refer to optional features or enhancements that can be added to improve a basic product or service. They enhance functionality or offer customization options to suit the user’s unique needs, increasing product versatility and overall user experience.

Pricing and plan options

Pricing and plan options are vital considerations for any product or service. They provide flexibility and choice to customers, allowing them to select an option that best fits their budget and needs. Proper pricing strategies can significantly enhance market competitiveness.

Overview of different plans

Various plans encompass different objectives and strategies. They include business plans, marketing strategies, project timelines, and financial plans. These documents guide decision-making processes, outlining goals, expected outcomes, timeframes, and necessary resources for achieving predetermined objectives.

Cost comparison with other travel insurance

Comparing the cost with other travel insurance policies is crucial while purchasing travel insurance. The coverage, benefits, and exclusions differ among the policies, so comparing helps in choosing the best out of all financially feasible options.

Claims Procedures for NTUC Travel Insurance

General procedure for filing a claim.

The general procedure for filing a claim typically involves notifying the relevant authority or insurance company about the incident. Detailed documentation must then be gathered, supporting your claim. Afterward, a claim form must be filled and submitted, typically accompanied by the gathered documentation.

Typical claim processing time

Typical claim processing time varies across different industries. For insurance claims, it generally takes 30 days from filing the claim to receiving a payout. However, complex claims can require extended periods, sometimes up to 60 days or longer.

Common reasons for claim rejection

Claim rejections often result from errors in billing information, missing documentation, or procedural missteps. Insufficient evidence of medical necessity and delayed claims submissions are common reasons. In some instances, services may not be covered by an individual’s insurance policy.

NTUC Travel Insurance Customer Service

NTUC Travel Insurance Customer Service provides exceptional assistance to policyholders. They offer prompt responses and resolve issues efficaciously. Their well-trained staff are adept at answering queries and guiding customers through the intricacies of their travel coverages. This reinforces the trust and satisfaction of their clients.

Analysis of customer service quality

Analyzing customer service quality involves understanding customer interactions, expectations, and satisfaction levels. It includes measuring response times, query resolution efficiency, communication skills, and service delivery standards. Such analysis guides improvements, fostering loyalty, and ensuring customer retention.

Overview of customer feedback and reviews

Customer feedback and reviews are crucial tools in understanding customer satisfaction and their perception of a product or service. These insights help businesses improve their offerings, resolve issues, enhance customer experience, and foster brand loyalty. It shapes future strategic decisions and influences business growth.

The Upsides and Downsides of NTUC Travel Insurance

NTUC Travel Insurance offers comprehensive coverage spanning medical expenses, travel inconveniences, and personal accidents. It includes unique benefits such as overseas study interruption and safety measures against novel viruses. It’s customizable, offering varied plans to cater to unique travel needs.

While NTUC Travel Insurance boasts numerous advantages, there are some downsides to consider. One drawback is the potential for higher premiums compared to basic travel insurance plans offered by other providers. Despite its comprehensive coverage, the cost may be prohibitive for budget-conscious travelers. Additionally, while NTUC Travel Insurance offers customization options, the process of selecting and tailoring a plan to individual needs may be complex or time-consuming for some customers. Another disadvantage is that certain exclusions or limitations within the policy may not be immediately apparent, requiring careful scrutiny of the terms and conditions to fully understand the extent of coverage.

1. What is the best travel insurance?

The best travel insurance varies based on individual needs; however, NTUC Income is widely recognized for its comprehensive coverage. It covers medical emergencies, trip cancellations, and lost baggage, and offers 24/7 worldwide assistance, suitable for both leisure and adventurous travelers.

2. Does NTUC insurance cover in Malaysia?

NTUC Income’s travel insurance does cover trips to Malaysia and it includes coverage for medical expenses, trip cancellation, personal accident, and other travel inconveniences. It provides comprehensive coverage, offering peace of mind for travelers to the neighboring country.

3. What does travel insurance not cover?

Travel insurance typically does not cover incidents related to pre-existing medical conditions, extreme sports injuries, losses due to civil unrest, or cancellations due to personal reasons. It also often excludes coverage for pandemic-related disruptions or expenses.

4. When should I buy travel insurance?

You should consider buying travel insurance as soon as you book your trip. It will cover unforeseen circumstances such as trip cancellation, medical emergencies, or travel disruptions due to weather conditions, ensuring you’re financially protected.

Disclosure: This article is sponsored. The views expressed herein are solely those of the author. The content presented is for informational purposes and may not necessarily represent the viewpoints or opinions of Spring Tomorrow.

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

Financially Reviewed by Edward Hee

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

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

Discover more about our editorial guidelines here .

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

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

Eligibility

In order to be eligible, you must:

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

Premium Rates

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

Standard Plan

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

Individuals under 70 years old

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

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

Benefits Explained

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

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

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

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

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

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

What is not covered:

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

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

Section 2: Postponing Your Trip

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

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

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

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

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

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

Section 3: Shortening Your Trip

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

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

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

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

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

Section 4: Trip Disruption

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

A. Trip Disruption Coverage Overseas

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

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

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

Section 5: Travel Delay

A. Trip Delay Due to Public Transport

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

What is Not Covered:

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

Section 6: Missed Connection

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

What is not covered:

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

Section 7: Overbooked Public Transport

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

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

Section 8: If The Travel Agency Becomes Insolvent

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

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

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

Section 9: Baggage Delay

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

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

1A. Coverage for Delayed Baggage Overseas:

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

Section 10: Loss or Damage of Luggage and Personal Belongings

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

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

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

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

Section 11: Losing Money

A. Stolen Money Overseas

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

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

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

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

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

Section 12: Losing Travel Documents

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

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

Section 13: Personal Accident

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

Section 14: Overseas Medical Expense

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

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

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

Section 15: Medical Expenses in Singapore

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

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

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

Outpatient Treatment by Chinese Medical Practitioner or Chiropractor:

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

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

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

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

b. For outpatient treatment in Singapore:

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

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

Section 17: Overseas Hospital Allowance

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

Section 18: Emergency Medical Evacuation

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

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

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

Section 19: Sending You Home

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

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

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

Section 20: Compassionate Visit

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

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

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

Section 21: Kidnap and Hostage

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

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

Section 22: Emergency Phone Charges

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

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

Section 23: Home Cover

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

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

Section 24: Personal Liability

A. If you are held liable for unintentionally:

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

Section 25: Rental Vehicle Excess Cover

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

Proof of Rental Vehicle:

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

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

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

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

Section 26: Full Terrorism Cover

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

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

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

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

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

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

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

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

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

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

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

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

NTUC Income Travel Insurance Claims Process

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

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

Please take note of the following:

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

Other things to note about NTUC Income

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

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

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

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

My Review of NTUC Income’s Travel Insurance

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

What sets NTUC Income apart?

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

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

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

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

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

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

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

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

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Entertainment

Income's travel insurance review: Covid-19 coverage, pre-existing conditions, promotions, premiums

When you come across the acronym "NTUC," the FairPrice supermarket probably comes to mind, as every self-respecting auntie would attest.

However, frequent travellers may also associate it with the renowned travel insurance plans offered by NTUC Income. Now rebranded as Income Insurance, how does its Travel Insurance plans fare in the current market?

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

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

1. Income's travel insurance: Summary

Income has two travel insurance plans:

Travel Insurance Standard
Income Enhanced PreX (covers pre-existing medical conditions)

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

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

Asean : Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand, Vietnam
Asia : Australia, China (no Mongolia, Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan, ASEAN
Worldwide : All countries
Countries not covered : Afghanistan, Iraq, Liberia, Sudan, Syria

2. Income's travel insurance coverage

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

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

However, do note that emergency medical evacuation shares the same overseas medical expense claim limit for adults aged 70 and over-which may not be sufficient if you are in that age range.

If medical coverage is important to you, FWD Travel Insurance offers unlimited medical evacuation and repatriation coverage.

One great advantage of Income's travel insurance is the high trip cancellation coverage ranging from $5,000 to $15,000. Other travel insurance providers might not be so generous. For instance, Great Eastern is offering $2,000 to $15,000, while AIG offers $2,500 to $15,000.

3. Does Income's travel insurance cover pre-existing conditions?

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

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

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

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

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

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

Income's Enhanced PreX travel insurance premiums and coverage

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

Even though Income Pre-Ex Travel Insurance offers you Covid-19 coverage, the downside is that they've lowered the medical benefits you get if you're aged 70 and above.

For example, for those aged 70 and above Income Enhanced PreX's overseas medical and emergency medical evacuation coverage share a total claim limit of $500,000 for its basic plan tier (as opposed to up to $250,000 in overseas medical expenses and $500,000 in medical evacuation coverage for under 70s).

By comparison, MSIG TravelEasy Pre-Ex basic offers $250,000 / $50,000 medical (below 70 / above 70) and $1,000,000 evacuation regardless of age, while Tiq Travel Insurance's basic plan offers $200,000 medical and $1,000,000 evacuation and repatriation of mortal remains.

Otherwise, Income Enhanced PreX's miscellaneous trip cancellation and baggage delay benefits are pretty good.

4. What about Covid-19 coverage?

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

You won't find the Covid-19 coverage table in the usual Income Travel Insurance policy wording. Instead, there's a separate Income Travel Insurance Covid-19 policy wording document that you should refer to.

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

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

Then, there's overseas Covid-19 quarantine cash allowance, for which Income offers $100 per day, up to $1,400. By contrast, Etiqa's basic plan offers $100 per day, up to $500 only.

5. The moment of truth… does income's travel insurance cover extreme sports?

Income's Travel Insurance covers common vacation activities like scuba diving and skiing. It's also adequate if you're just looking to snorkel or participate in an easy trek with a guide or tour group with a licensed outdoor adventure operator.

However, extreme thrill seekers may want to go for a more lenient insurance provider such as Direct Asia travel insurance, which properly covers extreme sports and martial arts.

6. Comparing Income vs MSIG vs Etiqa

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

All three insurers, Income, MSIG, and Etiqa offer Covid-19 coverage in their travel insurance plans automatically. Other plans that include automatic Covid-19 coverage include Starr TraveLead Comprehensive, Bubblegum Travel Insurance, Singlife Travel Insurance and DBS Chubb Travel Insurance.

In terms of overseas medical expenses, MSIG offers comparable coverage to Income's travel insurance. When it comes to other travel and logistics-related coverage such as trip cancellation and baggage loss, Income and MSIG travel insurance plans' coverage are also pretty much on par.

All things considered, Income and MSIG travel insurance plans are shockingly similar and competitive. The one key difference is emergency medical evacuation coverage for people aged 70 and over-Income's Travel Insurance parks that under the overseas medical expense limit.

7. Comparing Income vs FWD

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

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

8. Income travel insurance vs other travel insurers

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

9. Ongoing promotions

Even though many Singaporeans probably don't mind paying more for Income Travel Insurance just because it's a household brand name, their travel insurance plans are actually pretty expensive.

However, with ongoing promotions like the current 45 per cent discount promo, it can be value for money. All standard per-trip plans qualify for the promo. For example, if you wanted to go temple-hopping for a week in Myanmar, the cheapest Classic plan would cost just $33.55 after the discount. Here are the premiums you'll be paying with the current 45 per cent discount promo:

In addition, Income is offering an additional 15per cent off Enhanced PreX per-trip plans with complimentary personal accident coverage for six months.

10. What do netizens think about income's travel insurance?

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

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

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

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

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

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

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

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

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

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

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

11. The verdict: Should I buy Income's travel insurance?

Income Travel Insurance isn't the absolute cheapest around, but their regular travel insurance plans are very affordable and value for money when there's a 45 per cent promotion going on.

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

For most Singaporeans who just want to eat, chill and relax on holiday, Income's Travel Insurance is more than adequate especially as it also provides Covid-19 coverage. However, daredevils should take note that it does not cover more thrilling activities like mountaineering and other extreme sports.

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

ALSO READ: NTUC Income travel insurance review: Covid-19 coverage, pre-existing conditions, premiums

This article was first published in MoneySmart .

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TravelSmart Premier

TravelSmart Premier | Travel Insurance

Greater assurance with extended coverage for covid-19.

Limited time: 30% off single trip plans!

With no additional premium needed, get up to $150,000 coverage 1 expenses and emergency medical evacuation if you are diagnosed with COVID-19 during your travels. Read more

Embark on your travels with financial protection. Yes now you can – whether it’s a much-deserved holiday, that overdue adventure tour, a quick weekend getaway or essential work travel.

Now you can be fully immersed in your travel experiences, knowing that TravelSmart Premier is providing you the protection against unexpected events –from travel delays to leisure adventurous activities accidents.

For existing customers, we will pre-fill your details to simplify your purchase. Use the Great Eastern App to make a faster purchase today.

Key benefits

Extended coverage for travel inconveniences due to covid-19.

Whether you, your relative or travel companion on the same trip is diagnosed with COVID-19, you can be assured that your coverage is extended to support cancellations and postponements. Get complete peace of mind with an automatic extension of coverage up to 30 days, without extra premium, if you are hospitalised or quarantined overseas due to COVID-19.

Comprehensive worldwide protection with extensive medical coverage

Travel with ease as you are supported with our 24-hour international emergency assistance services including up to $1 million emergency medical evacuation coverage.

Our plan also extends to cover medical expenses that includes Emergency Dental Treatment 2 , Traditional Chinese Medical (TCM) and Chiropractor treatments.

Protect against unexpected travel cancellation and inconveniences

Up to $15,000 coverage against flight cancellations and includes coverage for other travel inconveniences, like loss of baggage, non-recoverable accommodation expenses and trip disruptions due to unforeseen events.

Complimentary benefits at no extra premium 2

Indulge in action-packed adventures like mountaineering, snowboarding and skydiving, knowing you are covered at no additional premium.

Your questions answered

(Applicable for Elite and Classic single trip 2-way plans and annual multi-trip plans, each trip must not exceed 90 days.)

If you are purchasing a new policy, we have extended the TravelSmart Premier policy to cover certain situations pertaining to COVID-19. This means that for some benefits, cover is expanded to include losses occurring after COVID-19 was a known event and could reasonably have been expected to lead to a claim. For a detailed summary of what is covered or not covered for COVID-19, please refer to the policy wording.

Before purchasing the policy, please note that: • Your Trip is under the latest permitted travel arrangement as per Singapore Government travel advisory. • For single-trip policies and annual multi-trip policies, the extension only applies if the trip is no longer than 90 days in a row. • The extension is applicable to Elite and Classic plans only. • You are not serving stay home notice or quarantined due to COVID-19 or traveled to any countries other than the list of countries permitted as per Singapore Government travel advisory within 14 days before your trip started. • If required by authorities, you must take a COVID-19 Polymerase Chain Reaction (PCR) test or any COVID-19 equivalent test approved by Singapore authorities within 72 hours before the start of your trip and you must be tested negative. Otherwise, there is no cover under section 38a - Medical expenses while overseas, section 38b - Emergency medical evacuation, section 38c - Repatriation, section 38g - Automatic extension of cover, section 38h – Overseas quarantine allowance and section 38i - Overseas hospital allowance of this extension. • We will not cover if you, a relative, or a travel companion is diagnosed (or suspected of being infected) with Covid-19 at the point of purchase of this policy or trip.

Q1: What are the benefits provided for COVID-19 cover?

Please refer to the table below for COVID-19 coverage:

Q2: Where can I find details on the latest permitted travel arrangements issued by the Singapore government?

For the latest permitted travel arrangements issued by the Singapore government, please visit ICA Safe Travel website at https://safetravel.ica.gov.sg/ .

Q3: If the destination that I am going to has been suspended from the latest permitted travel arrangement as per the Singapore authorities, will I still be covered for the COVID-19 extension if I proceed with the trip?

No, the COVID-19 extension is only applicable if your trip is under the permitted travel arrangements as per the Singapore Government travel advisory at the point of your trip commencement.

Q4: If I have already departed for my trip before the permitted travel arrangement was suspended by the Singapore authorities, will I still be covered for the COVID-19 extension?

Yes, you will still be covered under the COVID-19 extension in view that the permitted travel arrangement was suspended after you have departed for your trip.

Q5: Will the policy cover my loss if I need to cancel my trip due to being diagnosed with COVID-19?

We will pay for any non-recoverable travel, accommodation expenses and/or cost of entertainment tickets that were paid in advance due to the cancellation of your trip if you are diagnosed with COVID-19 in Singapore within 30 days prior to the scheduled departure date of your trip. Please note that reimbursement of any travel and/or accommodation expenses redeemed using mileage points, holiday points or any reward schemes is excluded. If the policy is purchased less than seven days before your departure date, the Trip Cancellation benefit will only apply upon death due to COVID-19.

Q6: Will the policy cover my loss if I need to postpone my trip due to being diagnosed with COVID-19?

We will pay for any non-recoverable administrative charges arising from your travel and accommodation expenses that were paid in advance due to the postponement of your trip if you are diagnosed with COVID-19 in Singapore within 30 days prior to the scheduled departure date of your trip. Please note that reimbursement of any travel and/or accommodation expenses redeemed using mileage points, holiday points or any reward schemes is excluded.

Q7: I want to cancel my travel plans because I'm afraid to travel due to COVID-19. Am I covered?

Trip cancellation due to concern or fear of travel because of COVID-19, is not covered under the policy.

Q8: Can I claim for compensation if my flight is delayed by airline following instruction or recommendation by the government due to COVID-19 situation?

Flight delay by airline following instruction or recommendation of the government due to COVID-19 situation does not fall under the policy coverage.

Q9: If I contracted COVID-19 while traveling overseas, can I claim for medical expenses incurred?

We will reimburse the overseas medical expenses incurred up to 90 consecutive days from the date you are diagnosed with COVID-19. Please note that the policy will not cover your overseas medical expenses incurred if you are travelling against the advice of the Government or any local authority at the destination.

Q10: Will the policy cover my loss if I am diagnosed with COVID-19 during my trip and as a result, I am unable to continue with the trip?

We will pay up to the sub-limit that applies to your selected plan for the reasonable extra travel expenses or the cost of the unused portion of non-recoverable travel expenses (economy class), accommodation costs and entertainment tickets (for admission to theme parks, musicals, plays, theatre or drama performances, concerts or sports events) that you paid in advance if you are forced to change any part of your trip as a direct result of you, a relative on the same trip, or a travel companion being diagnosed with COVID-19 by a medical practitioner while you are overseas.

Q11: Will my policy be automatically extended in the event that I am hospitalised overseas or quarantined due to COVID-19?

We will automatically extend your period of insurance with no extra premium for up to 30 days if you are hospitalized or quarantined overseas as a direct result of you being diagnosed with COVID-19 by a medical practitioner while you are overseas.

Q12: If I am quarantined overseas, am I entitled to any overseas quarantine allowance under my travel insurance

We will pay you a cash benefit up to the limit that applies to your selected plan for each full 24-hour period of quarantine, if you are placed under mandatory quarantine by the local authorities as a direct result of you being diagnosed with COVID-19 by a medical practitioner while you are overseas. Quarantine benefit is payable for quarantine at designated facility which is legally recognized by respective countries’ legislation.

Q13: If I am hospitalised overseas, am I entitled to any hospital allowance under my travel insurance?

We will pay you a cash benefit that applies to your selected plan for each full 24-hour period that you are in hospital overseas as an inpatient as a direct result of you being diagnosed with COVID-19 by a medical practitioner while you are overseas.

Q14: If I contracted COVID-19 upon my return to Singapore, can I claim for medical reimbursement?

The policy is designed to protect you during your overseas journey. If you are diagnosed with COVID-19 within Singapore, after your journey, your policy will not cover the costs of any medical expenses incurred locally.

Q15: Who can purchase TravelSmart Premier?

In order to qualify for travel insurance from Great Eastern, you must meet the following criteria: • You are a Singaporean or Singapore Permanent Resident; or foreigner with a valid Employment Pass, Work Permit, Dependant’s Pass, Student’s Pass or Long Term Social Visit Pass residing in Singapore. • You are at least 18 years old at the time of purchase (only required if you are the applicant). • You are not travelling contrary to the advice of a qualified medical practitioner or for the purpose of obtaining medical treatment. • You bought the policy before you leave Singapore on your trip.

Q16: What is the difference between TravelSmart Premier Basic, Classic and Elite Plans?

The differences are in the policy features and maximum amounts payable per person per trip in the event of a claim. For the best cover and highest protection, we suggest you choose Elite plan. You can view the travel policy document and compare the amounts payable for each of the policy features, to help you choose a suitable plan.

Q17: Who is considered Family under TravelSmart Premier?

For Single Trip Policies, Family means: • An adult and/or his/her spouse and unlimited number of biological or legally adopted children; or • One (1) or two (2) adults who are not related by marriage and a maximum of four (4) children who must be at least family related (i.e. biological or legally adopted child or ward, sibling, grandchild, niece, nephew or cousin) to any one of the adults; and All insured persons under the Single Trip Family Cover must depart from and return back to Singapore together at the same time as a Family.

For Annual Multi-Trip Policies, Family means: • An adult and/or his/her spouse and unlimited number of biological or legally adopted children; and • The insured persons under the family cover are not required to travel together on a journey. However, child insured person under the age of ten (10) years must be accompanied by a parent or adult guardian for any trip made during the period of insurance.

Q18: What do I indicate as the Period of Insurance?

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 Dec 2020 23:50, you should indicate the Start Date as 04 Dec 2020). • End date: The date you are arriving in Singapore (e.g. If you are arriving in Singapore on 05 Dec 2020 00:30, you should indicate the End Date as 05 Dec 2020).

Q19: Can I purchase TravelSmart Premier for my child who is traveling on a student exchange program or field trip?

Yes, child below 18 years old can apply for any plans under an individual cover, provided the proposal is made in the parent or adult guardian's name. Child below 10 years old must be accompanied by an adult (parent or guardian) for the entire trip. Please note that child benefits apply.

Q20: Can I purchase travel insurance if I am already overseas?

No, you will need to purchase your travel insurance before setting off for your overseas trip from Singapore. We strongly encourage you to purchase early before departure as our travel insurance provides pre-journey coverage as well.

Q21: If I have pre-existing illness, can I still purchase travel insurance?

Yes, you may still buy the policy. However, please note that the policy does not cover any loss, damage or liability directly or indirectly arising as a result of any pre-existing medical condition. For more information, please refer to your policy documents.

Q22: I will be travelling to more than two countries and will be back to Singapore before flying to the next country (e.g. Singapore > Bangkok > Singapore > Seoul> Singapore). Can I purchase one single trip policy for the entire journey in this case?

Sounds like a great trip! In this case, you will need to buy 2 separate single trip policies because the coverage for a single trip policy ends when you return to Singapore. Alternatively if you travel more than 3 times a year, an annual policy would be recommended as your insurance costs will be considerably cheaper compared to buying a single trip travel policy each and every time.

Q23: I’m travelling to more than one country during my trip. Can I still get a policy?

Yes, please select all destinations on your itinerary.

Q24: If I am travelling overseas to seek medical treatment, can I take up travel insurance?

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.

Q25: If I am only travelling one-way, will I be able to purchase travel insurance?

Yes, please select one-way trip. Your cover will cease when you arrive at your place of residence or workplace in the destination country within 4 days, or 3 hours after you have cleared immigration in the destination country, whichever is earlier.

Q26: Does the policy cover business travel?

Yes. Your policy will cover you for business travel except for • any loss, damage or liability arising as a result of manual or hazardous work; • travel relating to your job as a licensed tour guide or staff of a travel agency; • you taking part in naval, military, air force, civil defence or police training, duties, services or operations. For more information, please refer to the policy document.

Q27: What is the maximum period of coverage for an overseas trip?

• For Single Trip Policy: 182 consecutive days for Classic/ Elite Plan and up to 30 consecutive days for Basic Plan. • For an Annual Multi-Trip Policy: 90 consecutive days for Classic/ Elite Plan and up to 30 consecutive days for Basic Plan.

Q28: When will the coverage for my travel policy start?

Our pre-journey benefits provide coverage for trip cancellation and postponement 30 days before your departure date or policy issuance date, whichever is later. For all other benefits, the coverage starts after departure from Singapore.

Q29: I am stranded in a country and my policy is expiring. Can it be extended?

The Policy will be automatically extended (all plans except Basic Plan) without any additional premium for: • Up to a maximum of 30 days if you are hospitalised and quarantined overseas as advised by the attending medical practitioner. • Up to a maximum of 7 days if: a) The conveyance in which you are travelling is delayed through no act or omission of you. b) The airport or seaport is closed due to adverse weather conditions, strike, riot or civil commotion with the result that the Trip is not completed when the Period of Insurance ceases.

Q30: What are some of TravelSmart Premier’s general exclusions?

TravelSmart Premier does not cover any loss, injury or damage arising if: • You have a pre-existing medical condition. • You are not fit to travel or are travelling against the advice of a doctor. • Any strike, riot, civil commotion, dangerous health threat, natural disaster or any events in the destination you are traveling to which a government or any relevant authority issued a public warning or statement about before you left Singapore. Please refer to the policy wording for the full list of exclusions.

Q31: Are any countries excluded from coverage?

TravelSmart Premier does not cover any travel in, to, or through UN sanction list of countries such as: • Cuba • Iran • Syria • Crimea Region • North Korea

Q32: Does TravelSmart Premier cover adventurous activities?

If you have purchased the Elite or Classic plan, the Policy covers accidental injury or death when you participate in these activities for leisure purposes and under guidance and supervision of qualified guides or instructors of the local licensed tour operator: • Bungee jumping; • Canoeing or white water rafting with a qualified guide and below Grade 4 (of International Scale of River Difficulty); • Dog Sledding; • Hang gliding; • Helicopter or airplane rides for sightseeing; • Hot air balloon rides for sightseeing; • Jet skiing; • Mountaineering at mountains or trekking below the height of four thousand (4,000) metres above sea level; • Paragliding; • Parasailing; • Skiing or snowboarding all within official approved areas of a ski resort; • Sky diving; • Underwater activities involving artificial breathing apparatus for diving up to a maximum depth of thirty (30) metres and insured holds a PADI certification (or similar recognised diving qualification) and is diving with a buddy who holds a PADI certification (or similar recognised diving qualification) or with a qualified diving instructor; • Zip-lining, Zip-riding.

Q33: Does being pregnant affect my travel insurance cover?

We will pay for your necessary medical treatment outside Singapore within the stipulated policy limits for pregnancy-related sicknesses. However, this is not applicable if treatment is sought in home country or for a one way trip policy.

Q34: Am I covered for emergency medical treatment including air ambulance to get me home?

Yes, if the treating doctor and our medical emergency assistance provider agree that an air ambulance is necessary, you will be covered up to the limits shown in your policy.

Q35: Who decides when emergency evacuation is necessary?

This decision will be made by consultation between the treating doctor and our medical emergency assistance provider. Please call our 24-hour Emergency Assistance Hotline at +65 6708 7453 for assistance.

Q36: If I have misplaced my receipts/ documents, can I still claim for loss of personal items?

It is important that you keep the original documentation and receipts for any items that you intend to make a claim for, as this will provide a more accurate assessment of their value. If not, your claim may be affected.

Q37: What should I do if any of my belongings are lost or stolen? Is a police report required?

You need to report the theft or loss to the police within 24 hours of discovering it, and ask them for a report in writing. If applicable, report the theft or loss to your airline, transport company or hotel and ask them for a report in writing. These documents will be required when you are making a claim.

Q38: What should I do if I fall sick or encounter an accident abroad?

Please contact our 24-hour Emergency Assistance Services if you need emergency medical assistance while travelling.

• Phone (Hotline) : (65) 6708 7453

• WhatsApp : +1 888 831 7667

• Click-to-Call

Q39: How do I file for a claim?

Claims submission can be submitted via our online travel claim portal here . Kindly submit full particulars and full facts of the claim including its occurrence, detailed circumstances and extent of loss, with any supporting documents as soon as reasonably possible but no later than 30 days after the incident. For more details, please refer to this page . For general enquiries: Please contact our Customer Service Hotline at 6248 2888, Mondays to Fridays, 9am to 5.30pm (excluding public holidays) or email us [email protected] . Alternatively, you can inform your servicing agent who can also assist you with the claim.

Q40: Will I receive a premium refund if I decide not to proceed with my Trip?

• Cancellation for Single Trip Policy: The policyholder may cancel this Policy at any time prior to the commencement of this Policy coverage and the cancellation will apply from the date we receive the notice of cancellation. We will refund the premium paid less S$25 administrative charge. However, there will be no refund if we receive the notice of cancellation on or after your trip departure date.

• Cancellation for Annual Multi-Trip Policy: If this Policy is issued as an annual multi-trip Policy, it may be terminated by either party by giving 1 month’s written notice. If this Policy is terminated by us, a pro-rata refund of premium will be granted to the Insured for the remaining part of the Policy Period. If the Insured terminates this Policy, the refund of premium will be based on the following scale:

Q41: Can I amend the start date of my travel policy?

Unfortunately, it is not possible to amend the start date. The existing policy would need to be cancelled and replaced with a new policy. Please note that you cannot cancel a short-term travel policy once you have passed the designated start date.

Q42: What type of changes do we need to tell you about?

You will need to inform us of any changes to the information completed when taking out travel insurance from us. This will include, but not be limited to: your name, your travelling companion details, details of your children, trip details including region to be visited and duration of trip, and any other additional information that might impact on your risk either before or while travelling.

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Understand the details before buying

With effect from 15/10/2021, COVID-19 coverage will be extended under Elite and Classic plans automatically to countries under the latest permitted travel arrangements as per Singapore Government travel advisory. Kindly note that some countries may require COVID-19 insurance coverage as a condition of entry. Please ensure you select a plan that meet the requirement of your intended destination(s). For full details of the COVID-19 coverage, please refer to the brochure and FAQ.

1 COVID-19 extension is applicable up to 90 days each trip for Elite and Classic single trip 2-way plans and annual multi-trip plans.

2 Not applicable for Basic Plan.

The above is for general information only. It is not a contract of Insurance. Please refer to the policy documents for the precise terms and conditions of the insurance plan.
This policy is subject to the Premium Before Cover Warranty Clause, which requires the premium to be paid and received on or before the inception date of the Policy.
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 us or visit the General Insurance Association (GIA) or SDIC websites ( www.gia.org.sg or www.sdic.org.sg ).
TravelSmart Premier is underwritten by Great Eastern General Insurance Limited, a wholly-owned subsidiary of Great Eastern Holdings Limited and a member of the OCBC Group.

Information correct as at 22 June 2022.

Limited time offer!

10% off ^ Classic and Elite annual multi-trip plans Promo code < TSP10A >

^ Promotion is valid until 30 September 2024. Valid for Classic and Elite plans only. Applicable for new policy sign up(s) and is only applicable for applications submitted online. Replacement policies will not be eligible. Campaign code must be keyed in to be eligible for the discount.

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Compare Best Travel Insurance Plans in Singapore 2024

Get the best and cheapest travel insurance in Singapore for single and annual trips from AMTD PolicyPal! Read more.

Results : 33 ( 33 )

FWD Travel Premium Asean

Overseas Medical

Travel Delay

Loss/Damage of Baggage

Post Trip Medical

Baggage Delay

Trip Cancellation

Rental Vehicle Excess

Optional Coverage/ Add-Ons

Terrorism Cover

Leisure Activities

Scuba Diving (certified)

Skiing (within marked boundaries)

Bungee Jumping

Policy Wording

COVID-19 Enhanced Travel Benefits Policy Wording

Protected up to specified limits by SDIC. This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future healthcare needs. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.

DirectAsia Travel Insurance Voyager 150 Asean

Accidental Death

Golf (Sports only)

Scuba Diving (Up to 30 meters)

Policy Wordings

Starr TraveLead Travel Insurance - Essential (Silver)/ South East Asia

24H Global Emergency Assistance Service

? Compassionate Death Cash

Cruise Vacation

Policy Brochure

Allianz Travel Basic Asean

Directasia travel insurance voyager 250 asean.

Tiq Travel Entry Asean

Scuba Diving

Skiing (Piste)

Sompo TravelJoy Essential Asean

Cruise Vaction

Policy Wordings (Single Trip)

Policy Wordings (Annual)

Allianz Travel Silver Asean

Personal Money

Loss of Travel Documents

DirectAsia Travel Insurance Voyager 500 Asean

Starr travelead travel insurance - essential (gold)/ south east asia.

Singlife Travel Insurance Lite Asean

Optional/ Add-On

FWD Travel Business Asean

MSIG TravelEasy Standard Asean

Travel/Trip Delay

(COVID-19) Overseas Medical Expenses

(COVID-19) Trip Cancellation

(COVID-19) Trip Postponement

(COVID-19) Overseas Daily Quarantine Benefit

FWD Travel First Asean

Sompo traveljoy superior asean, tiq travel savvy asean.

AIG Travel Guard Direct® Basic Region 1

Golf (Damage or loss of equipment)

MSIG TravelEasy Elite Asean

Aig travel guard direct® standard region 1.

Trip Cancellation/Curtailment

Golf (Damage or loss of equipment

Singlife Travel Insurance Plus Asean

Trip Cancellation For Any Reason (Singlife Exclusive)

Tiq Travel Luxury Asean

TourCare Plus Standard Asean

Off-Piste Skiing

Policy Brochure (COVID-19)

Policy Wordings (COVID-19)

Great Eastern TravelSmart Premier Classic Area 1

T&C Eligibility

Allianz Travel Platinum Asean

Personal Liability

Missed Activity

MSIG TravelEasy Pre-Ex Standard Asean

Aig travel guard direct® enhanced region 1, great eastern travelsmart premier elite area 1, msig traveleasy premier asean, singlife travel insurance prestige asean, msig traveleasy pre-ex elite asean, tourcare plus supreme asean, aig travel guard direct® supreme region 1, msig traveleasy pre-ex premier asean.

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Compare Best Travel Insurance Plans 2024 by Insurance Providers

What does travel insurance cover is it necessary.

Travel insurance will give you peace of mind every time you leave Singapore. It is recommended to buy your travel insurance as soon as you confirm your travel plans to protect yourself from expenses incurred due to unforeseen travel disruptions. Travel insurance is cheap and covers a whole range of unexpected scenarios that may be beyond your control. Here are some of the main benefits of travel insurance:

Medical coverage

In Singapore, we are covered by subsidised healthcare and health insurance (Integrated Shield Plans). But should you fall sick or get into an accident overseas, you may end up having to pay for huge medical bills. Travel insurance covers your medical expenses overseas, even in places where healthcare is extremely expensive.

Flight delay or cancellation

Your flights may be delayed or cancelled due to unforeseen circumstances like bad weather. Should this happen to you while you are overseas, you may need to make last-minute accommodation arrangements that incur costs. Travel insurance covers those unexpected costs so you can breathe easy.

Natural disaster protection

Going abroad to a place known for natural disasters like earthquakes, hurricanes, tsunamis, floods or volcanic eruptions? Travel insurance can cover your medical expenses or emergency repatriation in the event that you are injured or grievously hurt. Your risk exposure to natural disasters can be covered with insurance.

Protect your belongings

Travel insurance protects you in the event that you lose or damage your important documents, money, luggage and any other valuables.

Does travel insurance cover COVID-19?

Travel insurance may cover certain scenarios inclusive of COVID-19, but the COVID-19 cover may not be offered for certain countries and at certain periods and may come with conditions. Please contact us at [email protected] or +65 3106 4522 to understand more about the travel insurance coverages.

How do you compare travel insurance policies?

For such a simple, short-term product, travel insurance policies can be very long and full of insurance jargon! However, it is important not to ignore the policy wording and benefits as you would want your travel insurance plan to be an appropriate fit for your destination. Here are the five important parts of your policy to compare.

Travel insurance premiums are calculated based on your destination(s) and the number of days you are there. If you are travelling as a group or couple, it is usually cheaper to buy a group travel insurance policy.

Most travellers are concerned about having their medical expenses covered when overseas. Check that your medical claim limit is adequate for your destination — choose a higher tier plan if you are going to an expensive country. Also, look for post-trip medical coverage.

Travel disruption coverage

Travel insurance covers flight delays/cancellations, luggage delays/loss, and trip cancellations (e.g. due to the insolvency of your travel agent). These could be costly and it can be very tough to recover the costs from the airline or agent.

Pre-existing conditions

Generally, travel insurance does not cover pre-existing medical conditions such as diabetes or asthma. Should you require medical treatment (on your trip) because of a flare-up, the insurer will not cover it. However, NTUC Income, MSIG, TIQ and FWD offer travel insurance plans that cover pre-existing conditions.

Adventure activities

Some travel insurance plans cover adventure activities like mountain hiking, skydiving and scuba diving, while others don't. If you have any of such activities planned, do check your policy's list of exclusions (found in the policy wording) and make sure your intended activities are not excluded.

How do you make travel insurance claims?

Every travel insurance provider has a different claims process. Typically, you can make claims online with the relevant supporting documents. Some insurers even let you submit claims through their apps. You also have the option to mail the documents. Travel insurance claims should be submitted ASAP, usually within 30 days of your return. The specified time frame is detailed in your policy wordings. If you are unsure of the documents you need to submit, each insurer should have a claim submission instruction page that lets you know what they need for each type of claim. Here's a general guide to what documents you need to provide in common travel scenarios.

Emergency assistance

Before you travel, save the insurer's emergency assistance hotline and your policy details to your phone. In the event of an emergency, contact the number as soon as possible (have your policy number handy) to arrange for help.

Personal accident / medical expenses

You will need to pay for your expenses overseas and then claim a reimbursement. Make sure to keep all original receipts, your full medical report and a police report (if applicable). File your claim as soon as possible upon your return to Singapore. You may need to submit the original documents by mail.

Travel disruption / cancellation

To claim for travel disruption benefits, you will need to show written proof of the delay/cancellation from your airline, hotel or travel agent, as well as a receipt of your payment made.

Lost / damaged personal belongings

To make a claim for your personal belongings, you will need to submit a police report, the original invoice/receipt for your item, your bill for repairs (if applicable), and in some cases, a report from the repair workshop.

Rental vehicle expenses

Most travel insurance policies cover expenses arising from a rental vehicle accident. To claim, you will need to submit the police report, your own photos and proof of the accident, your repair bills and the rental car contract.

Frequently asked questions

Which are the best travel insurance companies.

There is no single “best” travel insurance provider; it depends on your personal needs. Established companies like NTUC Income and MSIG tend to have great reputations and better products for older travellers (like plans that cover pre-existing conditions). Newer ones like Etiqa and FWD tend to have a fully-digital claims experience and may be more accommodating with adventure activities. Claim experience is also a consideration when you compare travel insurance!

Which travel insurance is cheapest?

There is a lot of competition among travel insurers, so prices tend to be very competitive. Insurance coverage for a three-day trip in Southeast Asia starts from only about S$11. The actual pricing varies with any ongoing travel insurance promotions.

Is your credit card's free travel insurance enough?

Some credit cards, especially miles cards, offer free travel insurance coverage if you book and pay for your flights and/or accommodation through the card. However, the coverage tends to be low. We recommend supplementing it with a more comprehensive travel insurance plan.

Can foreigners buy travel insurance in Singapore?

You will need to provide your FIN and show your employment pass or work permit to apply. Foreigners in Singapore can buy travel insurance from most of the insurance companies such as MSIG, NTUC Income, FWD, Etiqa, Sompo, Allianz, AIG, etc.

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

Both allow more savings than buying individual travel insurance for each traveller on the same trip. Family travel insurance plans are designed to cover family members (related) travelling together. Group travel insurance offers a collective coverage option for travellers on the same trip and it caters to non-familial groups.

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. Annual travel insurance insures your trips year-round, as long as your destination is within your insurance coverage. We recommend getting an annual insurance for people who travel more than four to six times per year, as this is perfect for frequent travellers and offers convenience and potentially significant savings.

When should I buy travel insurance?

You should buy travel insurance preferably as soon as you book your trip. The latest you can buy a policy is just before your trip (leaving Singapore), although some insurers reduce coverage for cancellation benefits three days before your travel date. You cannot buy a travel insurance policy after you have left for your trip.

How should I choose my travel destination/ country for my travel insurance if I am going to multiple countries?

If you are travelling to more than one country, please select the region of travel/ country based on the furthest destination from Singapore. For example, if you are travelling to Thailand and the USA, please select: - Thailand, USA (if the portal/ application allows); or - Worldwide (if the selection is by region); or - USA (if the selection is by country) If you are travelling to Thailand and returning to Singapore before setting off to the USA, it will be considered as two trips. You will need to purchase two travel insurance policies (one policy for “Singapore - Thailand - Singapore”; another policy “Singapore - USA - Singapore”) to cover each trip separately.

How does "trip cancellation for any reason" benefit work?

"Trip cancellation for any reason" is a benefit offered by some insurance companies (such as Singlife and FWD, for certain tier of plans or as an optional add on benefit). The insurance policy/ benefit must be purchased within seven days of you making the initial payment for your trip. For example, if you've purchased an air ticket on 1 April 2023 and paid for your accommodation on 15 May 2023, for a trip from 1 June 2023 to 14 June 2023, you would've had to secure your travel insurance by 8 April 2023 to be covered under this benefit.

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IMAGES

Ntuc Travel Insurance Claim Form
Insurance Policy Document
Fillable Online www-400 chartisdirect Standard Travel Insurance Policy
These Travel Insurance Policies Come With Covid-19 Coverage
Fillable Online Travel Insurance Policy document Fax Email Print
Fillable Online TRAVEL INSURANCE

COMMENTS

Policy documents & forms
Find the full list of policy documents and forms needed for all Income Insurance policies, savings plans and claims. Insurance. Personal Insurance. ... Enhanced PreX Travel Insurance Brochure Policy Conditions with COVID-19 Coverage Extension .
PDF Table of cover
30,000. 15,000. 400. 15,00045,000means the maximum amount we. able of cover.pre-existing medi. al conditions.will pay for each benefit section under the family cover durin. any one trip. Each insured person is only allowed the maximum bene. Maximum benefit (S$) for each trip.
PDF Travel Insurance
TRAVEL INSURANCE Travel Insurance Travel with peace of mind, for your holidays. ... Losing travel documents 7,500 12,500 20,000 Overall section limit 3,000 5,000 8,000 ... (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). ...
Is NTUC Travel Insurance Good: Review, Pros & Cons
Comparing NTUC Income Travel Insurance to Other Plans. In a review of the standard plans from all providers, NTUC Income's travel insurance stands out for its comprehensive claim coverage, especially for baggage loss and travel delay, where it leads over competitors like FWD and TIQ. Conversely, MSIG, FWD, and TIQ offer more extensive coverage ...
PDF Income Travel Claim Submission Procedure
Email the completed claim form with the relevant supporting documents to [email protected] to file your claim. The total size of your email attachment(s) must not exceed 30MB. If it exceeds 30MB, please separate them, indicate your Travel policy number in the subject matter and label the emails as Part 1, Part 2, etc before sending to us.
Submit travel claims
submit your travel claim online Purchaser/Insured NRIC/FIN/passport number Please key in the last 4 characters of the same ID number that you used when you purchased the travel plan, e.g. S1234 567A
How to Claim Travel Insurance? A Comprehensive Beginner's Guide 2022
Step 4: Submit your claims documents online, in person or via snail mail. Once you've got everything you need, you can officially file the claim. Most insurers now have online platforms for easy submission, which is great for the younger, more tech-savvy crowd.
NTUC Travel Insurance Overview
3,000. 5,000. 8,000. Each insured person is only allowed the maximum benefit per insured person in the table of cover. The key benefits of NTUC Travel Insurance are: Protection 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.
NTUC Income Travel Insurance Review: COVID-19 Coverage, Pre-existing
Instead, there's a separate NTUC travel insurance COVID-19 policy wording document that you should refer to. NTUC travel insurance's COVID-19 coverage and benefits: NTUC Travel Insurance Covid Coverage (covers PreX) Trip cancellation. $2,000. Trip postponement. $2,000. Trip shortening.
Travel Insurance
Income's Travel Insurance, you can purchase it even at the last minute - within a day after you ... Losing travel documents 7,500 12,500 20,000 Overall section limit 3,000 5,000 8,000 ... - 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 ...
NTUC Income adds Covid-19 insurance coverage for overseas travel
Nov 26, 2020, 04:45 PM. (THE BUSINESS TIMES) - NTUC Income customers who buy its travel insurance will now receive Covid-19 coverage as well, for medical-related expenses while overseas. Outbound ...
NTUC Income adds Covid-19 insurance coverage for overseas travel
NTUC Income customers who buy its travel insurance will now receive Covid-19 coverage as well, for medical-related expenses while overseas. Outbound travellers, departing Singapore, who are covered by Income's single-trip insurance will be protected for the first 90 days of each trip for Covid-19 related hospitalisation expenses of up to US$100,000 while abroad.
In-Depth Review of NTUC Travel Insurance Coverage
The Upsides and Downsides of NTUC Travel Insurance. NTUC Travel Insurance offers comprehensive coverage spanning medical expenses, travel inconveniences, and personal accidents. It includes unique benefits such as overseas study interruption and safety measures against novel viruses. It's customizable, offering varied plans to cater to unique ...
NTUC Income Travel Insurance Review
12976.49. When we look at the benefit you get for the cost, NTUC Income Travel Insurance is somewhere in the middle for single trips. In short, it's pretty average. The one standout feature is that it offers the highest amount of money for overseas travel delay, up to $1,000, more than most other insurers provide.
PDF Travel Insurance
We are the first insurer in Singapore to offer a travel insurance policy that protects you against your pre-existing medical conditions. What's more, you will still enjoy cover for all other benefits not relating to pre-existing medical conditions, such ... Losing travel documents 20,000 12,500 7,500 Overall section limit 8,000 5,000 3,000 ...
Income's travel insurance review: Covid-19 coverage, pre ...
At $250,000 to $1,000,000, Income's Travel Insurance overseas medical coverage is generous compared to some of its competitors such as Sompo Travel Insurance's $200,000 to $400,000 overseas ...
Travel Insurance
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. Income is the only insurer that allows you to purchase travel insurance up to a day after you have departed from Singapore. Available for Travel Insurance and Enhanced PreX Travel Insurance (Per ...
PDF Frequently Asked Questions Travel Insurance for MOE Schools Travel
If your child is there and is injured as a result of the natural disaster, the travel insurance will also cover the required medical treatment or emergency medical evacuation if needed. The travel insurance will also pay for you to travel overseas to visit your child if he/she is hospitalized for at least 3 consecutive days as elaborated in FAQ ...
TravelSmart Premier
Greater assurance with extended coverage for COVID-19. Limited time: 30% off single trip plans! With no additional premium needed, get up to $150,000 coverage 1 expenses and emergency medical evacuation if you are diagnosed with COVID-19 during your travels. Read more.
Travel Insurance Claims
As part of Income's ongoing effort to streamline and digitalise services, from 15 November 2023 onwards, we will transition to full digital submissions through our travel claims portal for Travel claim submissions. Your claims must be made within 30 days of the insured incident. All relevant documents and information must be submitted ...
Noob questions about travel insurance. : r/singapore
After this incident, I will never buy any insurance from NTUC. Edit: Just to add on, I bought another insurance for myself with Tokio Marine for another trip right after my family trip with my mother. I cancelled my trip due to my mother issue, and got the money way before NTUC agreed. Same situations, same documents, but different insurance ...
Travel Insurance Standard Plan Coverage
2. Adult under 70 years old. 3. Child. 1 Family total means the maximum amount we will pay for each benefit section under the family cover during any one trip. Each insured person is only allowed the maximum benefit per insured person in the table of cover. 2 No coverage for pre-existing medical conditions.
Travel Insurance in Singapore (2024)
If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy. DirectAsia Travel Insurance Voyager 250 Asean. $16.80. 40%OFF.

How to Claim Travel Insurance? A Comprehensive Beginner’s Guide (2022)

1. Common travel insurance claims

Flight delays

Lost or Damaged Luggage

Luggage delayed

2. How do I make a travel insurance claim [Step-by-step guide]

Step 1: Contact your insurance company as soon as possible

Step 2: Download and fill up the travel insurance claim forms

Step 3: Prepare your supporting documents

Step 4: Submit your claims documents online, in person or via snail mail

3. Covid-19 travel insurance claim

4. How long do travel insurance claims take?

5. My travel insurance claims were denied and rejected

6. Mistakes causing your travel insurance claims to be rejected

Playing in a competition or tournament

Risky activities

Consuming alcohol or drugs

Pre-existing medical conditions

Not making a police report ASAP

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3. NTUC Travel Insurance Pre-Existing Conditions

NTUC Enhanced PreX Travel Insurance Premiums and Coverage:

4. NTUC Travel Insurance COVID-19 Coverage

NTUC travel insurance’s COVID-19 coverage and benefits:

5. NTUC Travel Insurance: Extreme Sports

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9. NTUC Travel Insurance Promo

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11. Conclusion: Should I buy NTUC Travel Insurance?

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NTUC Income adds Covid-19 insurance coverage for overseas travel

NTUC Income adds Covid-19 insurance coverage for overseas travel

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Comprehensive Review of NTUC Travel Insurance: Coverage, Benefits, and More

Primary features and highlights

In-Depth Review of NTUC Travel Insurance Coverage

Travel inconvenience benefits

Baggage and personal effects protection

Extra coverage – Adventure Sports, Golf Equipment, etc.

Overview of COVID-19 Coverage under NTUC Travel Insurance

Detailed benefits of NTUC Travel Insurance

High claims limit

Access to 24/7 emergency assistance

Special benefits for family plans

Option of pre-existing medical coverage

Variety of Add-ons

Pricing and plan options

Overview of different plans

Cost comparison with other travel insurance

Claims Procedures for NTUC Travel Insurance

Typical claim processing time

Common reasons for claim rejection

NTUC Travel Insurance Customer Service

Analysis of customer service quality

Overview of customer feedback and reviews

The Upsides and Downsides of NTUC Travel Insurance

1. What is the best travel insurance?

2. Does NTUC insurance cover in Malaysia?

3. What does travel insurance not cover?

4. When should I buy travel insurance?

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