ntuc income travel insurance terms and conditions

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• Income Travel Insurance: Is It a Good Deal?

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

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

Table of Contents

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

Sports Coverage

Claims & contact information.

• Income Coverage & Benefits

NTUC Income Travel Insurance: What You Need to Know

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

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

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

Notable Exclusions

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

NTUC Income Enhanced PreX Plans Travel Insurance

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

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

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

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

Summary of NTUC Income Travel Insurance Benefits & Coverage

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

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

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NTUC Income adds Covid-19 insurance coverage for overseas travel

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

1. NTUC Travel Insurance Summary

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

2. NTUC Travel Insurance Coverage

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

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

11. Conclusion: Should I buy NTUC Travel Insurance?

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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.

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NTUC Income travel insurance covers Covid-19

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

Outbound travellers, departing from Singapore, who are covered by Income's single-trip insurance will be protected for the first 90 days of each trip for Covid-19 related hospitalisation expenses of up to US$100,000 while abroad. They will also be covered for costs incurred for medical evacuation or repatriation of up to US$100,000, if necessary.

KEYWORDS IN THIS ARTICLE

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International Cooperative and Mutual Insurance Federation

NTUC Income enhances travel insurance cover to include COVID-19 for overseas travel

1 December 2020

Customers who purchase travel insurance from  ICMIF member  NTUC Income  (Income , Singapore ) will now enjoy COVID-19 coverage for medical-related expenses while overseas  following the announcement last week from  Income  that it is  enhanc ing its  travel insurance offerings in response to the gradual lifting of border restrictions in Singapore and other parts of the world.

With this enhancement, Income says it  will protect travellers covered by its single trip travel insurance for 90 days for COVID-19 related hospitalisation expenses of up to US D  100,000 while overseas, as well as, costs incurred for medical evacuation or repatriation of up to US D  100,000, if it becomes necessary. These COVID-19 benefits are automatically included in single trip plans purchased from 26 Nov ember  2020, including plans that cover for pre-existing conditions, and for travel dates starting from  that date   also .

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

Fabian Ng, Income’s General Manager for Consumer Business said, “While overseas travel in general continues to be restricted, we understand that there are some who will need to travel for necessary business-related and other essential matters. As such, we have added new benefits to our travel insurance plans to cover for COVID-19-related medical emergencies so that our customers can travel with greater peace of mind when the need arises. 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 high number of infections.”

Policyholders with existing annual travel insurance plans from Income can contact  Income  to find out about getting covered by the abovementioned COVID-19 benefits for upcoming travel.

To find out more about  Income’s travel insurance plans, visit  https://www.income.com.sg/travel-in s urance .  

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

• Financially Reviewed by Edward Hee

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

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

Discover more about our editorial guidelines here .

Table of Contents

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

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

Eligibility

In order to be eligible, you must:

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

Premium Rates

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

Standard Plan

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

Individuals under 70 years old

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

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

Benefits Explained

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

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

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

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

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

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

What is not covered:

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

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

Section 2: Postponing Your Trip

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

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

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

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

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

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

Section 3: Shortening Your Trip

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

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

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

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

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

Section 4: Trip Disruption

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

A. Trip Disruption Coverage Overseas

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

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

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

Section 5: Travel Delay

A. Trip Delay Due to Public Transport

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

What is Not Covered:

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

Section 6: Missed Connection

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

What is not covered: 

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

Section 7: Overbooked Public Transport

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

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

Section 8: If The Travel Agency Becomes Insolvent

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

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

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

Section 9: Baggage Delay

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

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

1A. Coverage for Delayed Baggage Overseas:

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

Section 10: Loss or Damage of Luggage and Personal Belongings

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

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

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

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

Section 11: Losing Money

A. Stolen Money Overseas

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

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

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

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

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

Section 12: Losing Travel Documents

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

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

Section 13: Personal Accident

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

Section 14: Overseas Medical Expense

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

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

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

Section 15: Medical Expenses in Singapore

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

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

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

• Outpatient Treatment by Chinese Medical Practitioner or Chiropractor:

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

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

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

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

b. For outpatient treatment in Singapore:

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

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

Section 17: Overseas Hospital Allowance

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

Section 18: Emergency Medical Evacuation

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

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

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

Section 19: Sending You Home

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

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

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

Section 20: Compassionate Visit

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

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

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

Section 21: Kidnap and Hostage

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

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

Section 22: Emergency Phone Charges

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

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

Section 23: Home Cover

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

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

Section 24: Personal Liability

A. If you are held liable for unintentionally:

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

Section 25: Rental Vehicle Excess Cover

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

• Proof of Rental Vehicle:

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

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

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

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

Section 26: Full Terrorism Cover

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

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

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

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

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

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

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

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

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

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

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

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

NTUC Income Travel Insurance Claims Process

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

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

Please take note of the following:

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

Other things to note about NTUC Income

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

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

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

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

My Review of NTUC Income’s Travel Insurance

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

What sets NTUC Income apart?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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NTUC Income offers travel policy to cover travellers with pre-existing conditions

SINGAPORE - Travellers with pre-existing conditions can now claim medical and evacuation expenses under NTUC Income's new travel policy.

The Singapore-based company is the first insurer to offer a policy to cover travellers who incur costs during their overseas trip due to their pre-existing illnesses.

The Enhanced PreX Travel Insurance plan was introduced in October and will cover medical and evacuation expenses, and has no age limit imposed. However, the policy does not cover trip cancellation or curtailment due to pre-existing conditions.

Based on the company's claims experience, they learnt that medical and evacuation expenses are the two most costly and important items.

Ms Annie Chua, Senior Manager of Personal Lines of NTUC Income, said that the company receives an average of 10 per cent of medical claims that are not admissible because of the insured's pre-existing condition.

A significant number of people will be able to potentially benefit from this new policy, Ms Chua added, and go for their holiday with a greater peace of mind.

In terms of pricing, the premium for an adult travelling to Asia for five days is $68, NTUC Income said in a recent press statement. This is $14 more than NTUC Income's Deluxe Plan at $54. For a child, the difference is $9.50.

For example, a 15-day trip to the United States is $169, $34 more than NTUC Income's Deluxe Plan for an adult and $23 more than the Deluxe Plan for a child.

With the new Enhanced PreX plan, holiday-makers can receive a maximum coverage of 30 days for short trips.

The current Deluxe and Classic plans offers travellers coverage for an extended period of 180 days for similar short trips.

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6 Things to Know About Travel Insurance for Extreme Sports and Outdoor Adventure Coverage (2024)

We all know friends who are adrenaline junkies. Those who get kicks out of taking crazy risks and going on wild adventures all around the world. Heck, maybe you’re thinking: That’s me.

We all know how important travel insurance  is, but if you’re planning a ski trip, scuba diving trip or something even crazier than that, then you need to know which travel insurance cover extreme sports and outdoor adventure .

Here are 6 things you need to pay attention to when buying any sort of adventure sports travel insurance.

Travel Insurance for Extreme Sports and Outdoor Adventure Coverage

• Best travel insurance for outdoor sports
• What are the common outdoor adventure exclusions for travel insurance?
• What are the common personal accident and personal liability exclusions?
• Which outdoor activities are usually excluded?
• How much do extreme sports riders cost?
• Do you need sports equipment coverage?
• Do you have sufficient emergency medical evacuation coverage?

1. Best travel insurance for outdoor sports

Planning your long-awaited trip overseas with your pals for scuba diving, rock climbing, skiing or snowboarding?

Remember to get travel insurance that covers your winter sports, water sports, or mountaineering and rock climbing (usually considered more dangerous).

When browsing travel insurance plans, you’ll realise that sports and adventure are usually split into 3 broad categories:

• Leisure and recreational outdoor activities : Hot air balloon, scuba diving (up to 30m/40m, guided by licensed instructors, with PADI certification), skiing and snowboarding in resorts, hiking or trekking (up to 3,000m), jet ski, white water rafting, skydiving, paragliding, hang gliding, parachuting etc
• Other more extreme sports : Bungee jumping, mountaineering, rock climbing (any climbing that involves ropes and equipment)
• Competitions (not covered across all insurance companies except for Direct Asia) : Marathons, ultra-marathons, biathlons, triathlons

This table below is a general comparison. Click in to each travel insurance review to see the specific outdoor activities they cover:

Back to top

2.  What are the common  outdoor adventure exclusions for travel insurance?

Even if your travel insurance plan claims that it covers outdoor adventure and extreme sports, there will still be exclusions—a.k.a. activities that your insurance company is not willing to cover. Here are a few major examples:

• Any professional competitions or sports in which you get paid, sponsored or receive any kind of financial reward
• Any leisurely contact sport or MMA classes such as Muay Thai, Brazilian Jiu Jitsu (BJJ)
• Mountaineering or rock climbing that involves ropes and climbing equipment, especially if it’s done unharnessed and outdoors on a wall that is not man-made
• Expeditions to inaccessible, remote or previously unexplored places
• Being the pilot or a crew member of an aircraft (except for your commercial flights eg. SQ)

You’ll be surprised that most marathons are not covered by travel insurance since there’s a grand prize you technically can win.

Now, you might say that you’re probably not going to do any of these sports. But between insurance companies, there are different standards as to what’s allowed, so always check your terms and conditions before you buy your travel insurance.

Lazy? Scroll up and you can read through our travel insurance reviews instead. We’ve scoured through policy wordings and terms and conditions for their outdoor adventure and extreme sports coverage.

3. What are the common personal accident and personal liability exclusions?

While some travel insurance seems to have a comprehensive coverage, you have to make sure that the activity that you are doing is covered under Personal Accident or Personal Liability.

For instance, if you got the Singlife travel insurance and decided to buy the Adventurous Water Sports rider as well, you will be covered for all the usual scuba diving (up to 40m), white water rafting, kayaking, yachting, wakeboarding etc.

You’ll have to scroll to the end of your policy wording to check out the terms and conditions. Singlife travel insurance states that it covers you for:

• accidental death and permanent disablement
• emergency medical cover
• personal liability

In other words, if you get seriously injured during any of these activities, your Singlife travel insurance will cover emergency medical costs, your death, and any damage you caused to the properties in that accident.

However, if you were to look at Etiqa travel insurance , you’ll see that the plan covers you for personal accidental death. When it comes to personal liability, some outdoor activities are excluded, such as:

• motorcycles, motor cars

These are exactly the kind of activities where you’re more likely to suffer an accident. So don’t forget to check the fine print!

Total Premium

[MoneySmart Exclusive]   • Enjoy 40% off your Single Trip policy premium and 60% off Covid-19 add-on for Annual Plans. T&Cs apply • Get S$88 Revolut Cash Award* and S$10 iShopChangi e-voucher with every policy purchased.  T&Cs apply.   PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  T&Cs  apply.   [Etiqa's 10th Year 2024 Grand Draw] Stand a chance to win S$10,000 cash or a Singapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth S$173) with eligible Etiqa/Tiq by Etiqa plans purchased. T&Cs apply.

Key Features

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

Covers Cruise to Nowhere

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

Instant claims encashment via PayNow

24-hour worldwide emergency travel support

4. Which outdoor activities are usually excluded?

Some activities will be covered by your travel insurance, but only if it’s within a specific circumstance. Again, this is not being unrealistic. But it does mean you have to be careful that your activities don’t exceed the boundaries set by your travel insurance. These are examples of some activities which aren’t covered by your insurance:

• Canoeing or white water rafting without a qualified guide or Grade 4 and above (of the International Scale of River Difficulty).
• Off-piste skiing, or going off trail and skiing outside the officially approved boundaries of a ski resort.
• Mountaineering beyond the height of 3,000 metres above sea level. (Some insurers raise this limit to 3,500m or even higher—check the policy document for the specific figure.)
• Underwater activities involving artificial breathing apparatus for diving deeper than 30 metres.

So while some of these activities are covered by certain travel insurance policies, they do have limits to their coverage. Be careful to stay within the stipulated boundaries.

5. How much do extreme sports riders cost?

Some travel insurance companies require that you upgrade your travel insurance plan to include winter sports rider or outdoor adventurous activities riders. Although it might seem unfair to incur a steep increase in the premium price, do note that most of the time, this increases your coverage for other categories within the same plan as well.

How much do these winter sports and sports riders cost?

Currently, there are 2 travel insurance plans that require you to buy sports riders:  Direct Asia travel insurance  and  Singlife travel insurance . The latter costs $8.38 per week for Adventurous Water Sports rider  or $8.13 per week for the Winter Sports rider.

DirectAsia DA200 (now known as DirectAsia Voyager 250)

Kids go free – up to four kids travel for free with a Family policy only (2 adults)

Matching kids limits – children enjoy the same coverage limits as adults

Optional coverage for Sports Equipment & Extreme Sports are only available for Annual Policies

Optional coverage for Single Trip Travel Insurance: Maid and COVID-19.

Emergency Dental – Accidental Dental treatment can be costly, so it is covered under the main medical expenses coverage which is higher than a separate dental benefit

Singlife Travel Plus

[Receive your cash as fast as 30 days*]   • Enjoy 25% off your policy premium • Get S$88 Revolut Cash Award* and an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$30  via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.   PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  T&Cs  apply.

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

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

Coverage for loss of frequent flyers points, hotel points & credit card points.

Payout of S$100** should your trip be affected by excessive rainfall.

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

Seamless claims experience with PayNow

6. Do you need sports equipment coverage?

If you’re a hardcore skier or diver, then this section should not be news for you. If you have your own sporting equipment that you intend to bring on the trip, you have to be aware how much your travel insurance is covering you. When your gear can cost a few hundred dollars, you’ll definitely want to invest in a plan that will insure you don’t lose out if your gear is stolen or damaged.

7. Do you have sufficient emergency medical evacuation coverage?

This is especially important if you’re planning to go scuba diving, hiking or skydiving. Since you’re most likely not going to be near any decent medical facilities should anything happen, you may need to get emergency medical evacuation.

Check to make sure your travel insurance policy covers you sufficiently for such an occasion. Where possible, choose policies that can give you at least $500,000 cover for medical evacuation, even if you end up paying a little more. Here are some that offer $500,000 or more:

Bubblegum Travel Insurance

[Receive your cash as fast as 30 days*]   • Enjoy 10% off your policy premium • Get S$88 Revolut Cash Award* and an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$25  via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.   PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  T&Cs  apply.

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

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

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

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

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

MSIG TravelEasy Standard

[ Win a Rolex, Samsonite Luggage & More!   | MoneySmart Exclusive]   • Enjoy up to 45% off your policy premium • Get S$88 Revolut Cash Award* and an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) and  up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.   BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly   Increase your chances of winning when you refer friends  today. T&Cs apply   PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  T&Cs  apply.

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

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

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

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

AIG Travel Guard® Direct - Enhanced

[Receive your cash as fast as 30 days*]   • Get up to 52% worth of cashback and up to S$20 iShopChangi e-voucher with eligible premiums spent. • Additionally, receive  S$88 Revolut Cash Award* and an Eskimo Global 1GB eSIM with every policy purchased. T&Cs apply.   PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  T&Cs  apply.

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

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

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

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

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

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

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

Do you have any other suggestions for getting the best travel insurance for sports lovers? Share them with us.

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