ntuc income travel insurance terms and conditions

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

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

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

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

Income’s Travel Insurance Review 2024

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

1. Income’s Travel Insurance: Summary

Income has 2 travel insurance plans:

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

Total Premium

INCOME Enhanced PreX Basic

[GIVEAWAY | MoneySmart Exclusive]    • Enjoy 15% off your Single Trip  policy premium.  T&Cs apply.    Get over S$65 worth of rewards: • Includes S$30 Revolut cash reward, S$30 Trip.com Hotel Coupon and Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. T&Cs apply.     S$3,200 worth of gifts to be scored on top of existing rewards: • Samsonite Apinex 69/25 Luggage (worth S$600) when you are the 88th person to submit the MoneySmart Claim Form each week. T&Cs apply. • S$100 Revolut cash reward  when you are the  8th and 88th person  to sign up for a Revolut Account each week.  T&Cs apply.

Key Features

Income's Enhanced PreX Travel Insurance offers coverage for pre-existing medical conditions.

Covers up to S$150,000 overseas medical expenses, emergency medical evacuation and repatriation due to pre-existing medical conditions.

Pre-existing medical conditions that are covered include diabetes, heart conditions, high blood pressure, asthma, eczema and more.

Coverage for overseas medical expenses. Includes treatment relating to COVID-19 while overseas.

The only insurer in Singapore to offer a yearly travel insurance policy that protects you against your pre-existing conditions.

Enjoy exclusive treats for Income policyholders at https://www.income.com.sg/treats

Includes coverage for adventurous activities including scuba diving, skiing, snowboarding, bungee jumping, sky diving, hiking, hot air balloon and more.

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

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

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

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

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2. Income’s Travel Insurance Coverage

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

Income travel insurance medical coverage

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

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

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

FWD Premium

[GIVEAWAY | FLASH SALE | MoneySmart Exclusive]     • For 1 day only, enjoy up to 35% off your policy premium. Valid till 16 Sep 2024.    Get over S$65 worth of rewards: • Includes  S$30 Revolut cash reward, S$30   Trip.com Hotel Coupon and Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . T&Cs apply.    S$3,200 worth of gifts to be scored on top of existing rewards: • Samsonite Apinex 69/25 Luggage (worth S$600) when you are the 88th person to submit the MoneySmart Claim Form each week. T&Cs apply. • S$100 Revolut cash reward  when you are the  8th and 88th person  to sign up for a Revolut Account each week.  T&Cs apply.

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

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

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

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

Income travel insurance trip disruption coverage

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

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

Great Eastern TravelSmart Premier Classic

[GIVEAWAY | MoneySmart Exclusive]    • Enjoy up to 30% off your policy premium. • Get S$30 Revolut cash reward  with every policy purchased .  T&Cs apply.    PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

Comprehensive worldwide protection with extensive medical coverage

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

One way coverage is available to your destination

Adventurous activities benefit - Complimentary benefits at no extra cost

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

Protect against pregnancy-related conditions while you are overseas

AIG Travel Guard® Direct - Basic

[GIVEAWAY | Receive your cash as fast as 30 days*]   Get over S$105 worth of rewards: • Includes  S$30 Trip.com Hotel Coupon and  Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . • Plus, get up to S$40 via PayNow and S$30 Revolut cash reward with eligible premiums spent . T&Cs apply.   PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

INCOME Enhanced PreX Prestige

Covers up to S$300,000 overseas medical expenses, emergency medical evacuation and repatriation due to pre-existing medical conditions.

Income’s Enhanced PreX Travel Insurance Premiums and Coverage

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

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

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

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

4. What About COVID-19 Coverage?

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

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

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

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

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

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

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

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

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

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

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

6. Comparing Income vs MSIG vs Etiqa

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

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

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

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

7. Comparing Income vs FWD

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

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

8. Income Travel Insurance vs Other Travel Insurers

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

9. Income travel insurance—Ongoing promotions

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

1. NTUC travel insurance summary

NTUC Income has two travel insurance plans:

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

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

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

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

• Asean : Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand, Vietnam
• Asia : Australia, China (no Mongolia, Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan, ASEAN
• Worldwide : All countries

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

2. NTUC travel insurance coverage

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

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

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

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

3. NTUC travel insurance pre-existing conditions

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

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

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

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

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

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

NTUC Enhanced PreX travel insurance premiums and coverage:

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

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

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

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

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

4. NTUC travel insurance Covid-19 coverage

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

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

NTUC travel insurance's Covid-19 coverage and benefits:

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

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

5. NTUC travel insurance: Extreme sports

Since our last review in July 2022, NTUC has updated its Travel Insurance policy to include more c ommon vacation activities like scuba diving and skiing.

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

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

6. NTUC vs MSIG vs Etiqa travel insurance

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

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

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

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

7. NTUC vs FWD travel insurance

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

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

8. NTUC travel insurance vs other travel insurers

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

9. NTUC travel insurance promo

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

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

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

10. NTUC travel insurance claim

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

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

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

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

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

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

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

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

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

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

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

11. Conclusion: Should I buy NTUC travel insurance?

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

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

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

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

ALSO READ:  How travel insurance can protect your refund rights for flight cancellations and delays

This article was first published in MoneySmart .

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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.

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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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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: Choose the best Insurance Policy

In today’s fast-paced world, where pandemics and epidemics are on the rise, protecting yourself against them has become a necessity. Insurance is crucial in times like these. If you are planning a trip soon and haven’t decided on which insurance to go with, then read this article to learn more about NTUC Income Travel insurance and the perks it has to offer.

The company was formerly known as NTUC (National Trade Union Congress). The company was established in 1970 to foster the financial well-being of individuals, families, and businesses. Currently, Income serves more than 1 million customers in Singapore, offering life, corporate, general, and Income travel insurance. 

Travel insurance is now mandatory for air travel in almost all countries. If you are planning a shorter trip and think that the risks would be relatively lower, then think again! After the COVID-19 outbreak, the occurrence of diseases has increased, and people have become more aware of their health in general. If you are looking for insurance that secures you on both short and international trips, then you have come to the right place

Income Travel Insurance 

With Income Travel Insurance, you can plan your trips hassle-free, whether it's to the lush greens of Bali or the scenic beaches of Australia. The travel insurance plans cover all travel expenditures and medical expenses for yearly and single-trip plans. Income Travel Insurance provides security against any damage in the event of accidents, loss of personal belongings, and medical expenses for you and your family.

Travel freely and get 24/7 medical assistance in the event of an emergency. In the next section, we will discuss more features and coverage that NTUC Income Insurance has to offer. Choose the plan that suits you best.

Income Comprehensive Insurance plan for the fight against COVID-19

The Income Comprehensive Insurance plan is designed to help you fight against COVID-19. Some of the key features of this plan include:

• NTUC Income travel insurance for COVID is one that provides cover for air-travels, easily.
• Receive up to $150,000 in medical expenses coverage while overseas per individual.
• In case of a medical emergency evacuation, receive financial aid of $150,000.
• These benefits can be used for per-trip standard plans for the first 90 days of each trip.
• NTUC Income travel insurance covid plans also extend to Enhanced PreX yearly plans for multiple trips in a year (not exceeding more than 90 calendar days in a row).

Travelling around the world with pre-existing medical conditions

For any pre-existing medical condition such as asthma, eczema, diabetes, hypertension and more, Income provides a special plan which covers the expenses and medical facilities required for these.

• In case of a medical emergency, the cost of repatriation and sending you back home is also borne by NTUC Income Singapore.
• You can also claim coverage of up to S$1,000,000 under preferred standard plans for any overseas medical expenses.
• If you have to shorten or cancel your trip due to the medical conditions mentioned above, then half of your claim will be paid under the Superior Enhanced PreX plan.
• Save more with each travel insurance plan by using the NTUC Income promo code . 

FlexiTravel Hourly Insurance

If you are running short on time and planning for a trip to Malaysia, Bintan, Batam or nearby areas. The insurance by the hour or FlexiTravel Hourly Insurance will be a perfect match for you;

• FlexiTravel hourly insurance is perfect for short trips via land or sea travel.
• Pay insurance premiums by the hour and enjoy the liberty of shortening your trip coverage, if you decide to return early to Singapore.
• You can easily activate it online with the help of the My Income app, available in the Apple store and Google stores.
• Enjoy benefits up to S$50,000 each in case of personal accidents and medical expenses.
• Protect yourself with Golfer’s cover, The policy provides coverage against theft of golf equipment, green fees and reimbursement of rental fees if the equipment gets stolen from a locked car or accommodation.

Who can take Income Travel Insurance?

When it comes to travel, having insurance is necessary whether you are planning a short one-day trip to Malaysia or an international one. NTUC Income travel insurance Singapore offers various benefits. But who can become the beneficiaries of these insurance policies? Here is the eligibility criterion:

• You should be living or working in Singapore.
• You must have a valid identification document such as an NRIC, employment pass, work permit, long-term visit pass or student pass.
• To be eligible for these insurance policies, you must either start or end your trip in Singapore.
• It is essential to have bought and paid for your policy in full.

Income travel insurance in Singapore offers more than just a policy; it helps you explore with peace of mind and protection against any unforeseen events. With NTUC Income, you can plan your yearly and short-duration trips without any hassle. 

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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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These Travel Insurance Policies Come With Covid-19 Coverage — Absolutely Essential If You're Planning A VTL Trip

Travel insurance has never been more important.

What happens if you get Covid-19 before or during your travels? As leisure travel is getting its long-awaited gradual restart with Vaccinated Travel Lanes, there isn’t a better time to start looking into travel insurance.

After all, not all travel insurance policies were made equal. A fair number of travel insurance plans now come with Covid-19-related benefits, but it’s the fine print that you really need to take note of. What happens if you get Covid-19 overseas? Will travel insurance cover your trip extension if you test positive for Covid-19 and have to self-isolate in a hotel?

Here’s a list of travel insurance policies to consider before you jet off for your vacay. One thing you should take note of: This list highlights only Covid-19 coverage and benefits; for full policy coverage including non-Covid-19 coverage, please click on respective links.

AIG Travel Guard Direct

How much? We checked prices based on countries currently on Singapore's VTL list, across the continents. It ranges from $39 (basic plan) to $107 (supreme plan) for a three-day trip to Korea or Australia, and $57 to $152 for the UK; and $60 to $170 for the US. What else to know: Travel delays due to failing a Covid-19 test or medical screening at the airport will not be covered under travel delays.

More info here full policy details here .

Allianz Travel Insurance

How much? $67-$100 for a three-day trip to Asia and Australia; and $84-120 for the UK and USA.

More info here ; full policy details here .

Aviva Travel Insurance

How much? For a three-day trip, it ranges from $30.62-$61.61 for Korea and Australia, and $45.50-$97.09 for UK and USA. What else to know: You’re eligible only if you’re fully vaccinated prior to the trip, and are not travelling against any travel advisory issued by the Singapore government.

AXA SmartTraveller Travel Insurance

How much? For a three-day trip to regional destinations (Asia and Australia), it’s $23.60-$32.37, and $31.70-$41.80 for global destinations.

Great Eastern TravelSmart Premier

How much? For three days in Asia and Australia, it’ll set you back $42-$50; to UK and USA, it’s $69-$83. What else to know: Covid-19 coverage only applies to the Classic and Elite travel insurance plans. The Basic plan does not have Covid-19 coverage.

NTUC Income Travel Insurance

How much? From $48.80 per pax for a three-day trip to South Korea or Australia; from $65.80 per pax for UK or US. What else to know: NTUC Income’s enhanced Covid-19 travel insurance coverage covers all countries except Afghanistan, Iraq, Liberia, Sudan and Syria. Travellers are eligible for Covid-19 coverage as long as they meet all vaccination, pre-deparature tests and post-arrival tests requirements by the destination countries or transport operators.

Sompo Travel (Covid-19) Insurance

How much? $41-$54 to Korea or Australia for three days; $58-$74 for UK or USA. What else to know: If you’re fully vaccinated, you do not have to take a PCR test to be eligible to purchase. However, if not fully-vaccinated prior to the trip, you are required to have a negative PCR test result 72 hours prior to departing Singapore. You must also be complying with travel advisories issued by the Singapore government. Covers all countries except Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Somalia, Sudan and Syria.

FWD Covid-19 Enhanced Travel Benefit

Unlike the other travel insurance plans on this list, FWD’s Covid-19 coverage is an add-on benefit that requires an additional fee, on top of the travel insurance premium. How much? For Asia (including Australia and NZ): $13-$22, plus $12.27 for Covid-19 coverage. Worldwide (excluding USA): $19-$31, plus $16.87 for Covid-19 coverage. Worldwide: $20-$35, plus $17.63 for Covid-19 coverage What else to know: To be eligible, you must never have tested positive for Covid-19 before.

Photo: Unsplash/Charlotte Noelle

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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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Yahoo Finance

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

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

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

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

NTUC Travel Insurance: Summary

NTUC Travel Insurance Coverage

NTUC Travel Insurance Pre-Existing Conditions

NTUC Travel Insurance COVID-19 Coverage

NTUC Travel Insurance: Extreme Sports

NTUC vs MSIG vs Etiqa Travel Insurance

NTUC vs FWD Travel Insurance

NTUC Travel Insurance vs Other Travel Insurers

NTUC Travel Insurance Promo

NTUC Travel Insurance Claim

Should I buy NTUC Travel Insurance?

1. NTUC Travel Insurance Summary

NTUC Income has 2 travel insurance plans:

NTUC Travel Insurance Standard

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

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

Classic/ Basic PreX

Deluxe/ Superior PreX

Preferred/ Prestige PreX (most expensive)

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

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

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

Worldwide : All countries

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

2. NTUC Travel Insurance Coverage

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

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

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

Total Premium

25% Off Total Premium S$18.13

MoneySmart Exclusive

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

FWD Premium

Med. Coverage (Overseas)

Trip Cancellation

Loss/Damage of Baggage

Total Premium Total Premium S$18.13 25% Off

MoneySmart Exclusive:

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

Valid until 15 Dec 2023

More Details

Key Features

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

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

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

See all plan details 

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

Great Eastern TravelSmart Premier Classic

Loss of Baggage

Comprehensive worldwide protection with extensive medical coverage

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

One way coverage is availble to your destination

Adventurous activities benefit - Complimentary benefits at no extra cost

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

Protect against pregnancy-related conditions while you are overseas

Most Flexible Plan

AIG Travel Guard® Direct - Supreme

Overseas Medical Expenses

Travel Cancelation / Postponement

Loss/Damage of Personal Baggage

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

Valid until 31 Dec 2023

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

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

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

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

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

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

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

3. NTUC Travel Insurance Pre-Existing Conditions

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

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

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

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

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

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

NTUC Enhanced PreX Travel Insurance Premiums and Coverage:

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

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

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

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

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

4. NTUC Travel Insurance COVID-19 Coverage

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

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

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

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

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

5. NTUC Travel Insurance: Extreme Sports

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

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

6. NTUC vs MSIG vs Etiqa Travel Insurance

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

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

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

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

7. NTUC vs FWD Travel Insurance

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

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

8. NTUC Travel Insurance vs Other Travel Insurers

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

9. NTUC Travel Insurance Promo

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

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

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

10. NTUC Travel Insurance Claim

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

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

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

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

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

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

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

Trip cancellation

Trip shortening

Travel delay

Baggage delay

Loss and damage of baggage or personal belongings

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

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

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

11. Conclusion: Should I buy NTUC Travel Insurance?

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

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

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

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

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

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Is NTUC Income Travel Insurance Right For Your Next Trip?

• 30 June 2024

Most travellers often overlook the importance of travel insurance until it’s too late. But before you jet off on your next adventure, consider whether NTUC Income Travel Insurance is the right choice for you. With comprehensive coverage for medical emergencies , trip cancellations , and lost luggage , it could save you from a nightmare abroad. So, before you pack your bags, investigate the details and determine if this insurance is the perfect companion for your next journey.

Page Contents

Key Takeaways:

• Wide Coverage: NTUC Income Travel Insurance offers a wide range of coverage for various travel situations.
• Affordable Premiums: The insurance premiums are competitive and affordable, making them suitable for different budgets.
• Emergency Assistance: NTUC Income provides 24/7 emergency assistance for travellers in need of help.
• Easy Application Process: The application process for NTUC Income Travel Insurance is straightforward and user-friendly.
• Additional Benefits: Apart from basic coverage, the insurance also offers additional benefits such as trip cancellations and delays.

What is NTUC Income Travel Insurance?

Overview of the insurance provider.

Before you decide if NTUC Income Travel Insurance is right for your next trip, let’s take a look at an overview of the insurance provider. One of the largest and most well-established insurance companies in Singapore, NTUC Income offers a wide range of insurance products to suit different needs. With a strong reputation for reliability and excellent customer service, NTUC Income has been a trusted choice for many travellers over the years.

Concerning travel insurance, NTUC Income provides comprehensive coverage for various aspects of your trip, including medical expenses, trip cancellations, and personal belongings protection. Their policies are designed to give you peace of mind while you explore the world, knowing that you are covered in case of any unforeseen events.

NTUC Income has a team of experienced professionals who are dedicated to helping customers with their insurance needs. Whether you have questions about the coverage or need assistance during your trip, you can rely on NTUC Income to provide you with prompt and efficient support.

Types of travel insurance policies offered

One of the key factors to consider when choosing travel insurance is the types of policies that are available. NTUC Income offers a variety of travel insurance plans to cater to different preferences and budgets. Whether you are looking for basic coverage or comprehensive protection, NTUC Income has a policy that is suitable for your needs.

• Single trip insurance: Ideal for one-off trips, providing coverage for the duration of your journey.
• Annual travel insurance: For frequent travellers, offering year-round protection for multiple trips.
• Family travel insurance: Designed for families, covering parents and children under a single policy.
• Senior travel insurance: Tailored for older travellers, with coverage options that take into account medical conditions.
• Group travel insurance: Perfect for group trips, ensuring all members are protected throughout the adventure.

Key Features of NTUC Income Travel Insurance

You may be wondering if NTUC Income Travel Insurance is the right choice for your next trip. Here are some key features to help you make an informed decision:

• Medical coverage: Provides coverage for medical expenses incurred during your trip
• Trip cancellations and interruptions: Protects you in case you need to cancel or interrupt your trip due to unforeseen circumstances
• Loss or damage of personal belongings: Offers coverage for your personal belongings in case they are lost or damaged during your trip

NTUC Income Travel Insurance not only offers comprehensive coverage but also peace of mind during your travels.

Coverage for medical expenses

Features of NTUC Income Travel Insurance include coverage for a wide range of medical expenses, such as hospitalisation, emergency medical evacuation, and outpatient treatment. This ensures that you are adequately protected in case of any health-related emergencies during your trip. The comprehensive medical coverage gives you the confidence to explore new destinations without worrying about unforeseen medical costs.

Trip cancellations and interruptions

Insurance from NTUC Income also provides coverage for trip cancellations and interruptions due to reasons such as illness, natural disasters, or airline bankruptcy. This means that if your trip is disrupted for any covered reason, you can be reimbursed for non-refundable expenses such as flight tickets and accommodation bookings. With this coverage, you can have peace of mind knowing that your financial investment in the trip is protected.

A key feature of NTUC Income Travel Insurance is the provision for trip cancellations and interruptions, which can help you recoup your losses in unforeseen circumstances. Whether it’s a sudden illness or a natural disaster, having this coverage can save you from financial strain and disappointment during your travels.

Loss or damage of personal belongings

Travel insurance from NTUC Income includes coverage for the loss or damage of personal belongings such as luggage, electronics, and valuable items. This ensures that you are compensated in case your belongings are stolen, lost, or damaged during your trip. With this coverage, you can enjoy your travels without worrying about the financial consequences of such incidents.

While traveling to new places, the NTUC Income Travel Insurance’s protection against the loss or damage of personal belongings is a useful feature that gives you peace of mind. Knowing that your belongings are covered can make your travel experience more enjoyable and stress-free.

Benefits of Choosing NTUC Income Travel Insurance

Competitive pricing.

Unlike other travel insurance providers, NTUC Income Travel Insurance offers competitive pricing that suits any budget. You can enjoy your holiday knowing that you are covered without breaking the bank. With various plans available, you can choose one that fits your travel needs and financial capabilities.

Any savvy traveller knows that having travel insurance is crucial for peace of mind. With NTUC Income Travel Insurance , you can expect affordable rates without compromising on quality. So, whether you’re embarking on a quick weekend getaway or a month-long adventure, you can find a plan that works for you.

Don’t let high insurance costs deter you from protecting yourself while travelling. NTUC Income Travel Insurance ensures that you can access comprehensive coverage at competitive prices , making it the ideal choice for your next trip.

Wide range of coverage options

With respect to travel insurance, having options is key, and NTUC Income Travel Insurance delivers just that. You can select from a wide range of coverage options to tailor the policy to your specific requirements. Whether you need protection for medical emergencies, trip cancellations, or lost baggage, there’s a plan for you.

Wide coverage options mean that you can customise your insurance to suit the type of trips you take. Whether you’re a frequent flyer or an occasional traveller, NTUC Income Travel Insurance has you covered. From basic plans to more extensive coverage, you can choose what works best for your travel needs.

Plus, with NTUC Income Travel Insurance , you can enjoy additional benefits, such as coverage for adventurous activities, ensuring that you can explore with confidence wherever you go.

24/7 emergency assistance

To ensure that you have a stress-free travel experience, NTUC Income Travel Insurance provides 24/7 emergency assistance that you can rely on. Travelling can be unpredictable, and having access to round-the-clock support can make all the difference in times of crisis.

Whether you encounter a medical emergency abroad or need assistance with lost travel documents, NTUC Income Travel Insurance has your back. Their dedicated team is just a phone call away, ready to assist you with any unforeseen circumstances you may face during your trip.

Competitive pricing, a wide range of coverage options, and 24/7 emergency assistance make NTUC Income Travel Insurance a reliable choice for your next adventure. With their commitment to providing quality service and support, you can travel with confidence, knowing that you are well-protected every step of the way.

Who is NTUC Income Travel Insurance Suitable For?

Frequent travellers.

After all those trips you’ve taken over the years, you’ve become quite the seasoned traveller. With NTUC Income Travel Insurance , you can now have peace of mind knowing that you are covered for any unforeseen circumstances that may arise during your travels. Whether it’s a missed flight, lost luggage, or a sudden illness, NTUC Income has got you covered.

With NTUC Income Travel Insurance , you can enjoy your travels without worrying about the what-ifs. Their comprehensive coverage includes medical expenses, trip cancellations, and even emergency medical evacuation. So go ahead and book that next adventure, knowing that you have the protection you need.

Don’t let unexpected travel mishaps ruin your next trip. With NTUC Income Travel Insurance , you can travel with confidence, knowing that you are protected every step of the way.

Adventure seekers

One of the most exciting things about travelling is the opportunity to embark on thrilling adventures. If you’re someone who loves pushing boundaries and seeking adrenaline-fuelled experiences, then NTUC Income Travel Insurance is perfect for you. Their coverage includes a wide range of adventurous activities, so you can bungee jump, skydive, or scuba dive without worry.

Adventure seekers often face higher risks while exploring new destinations. With NTUC Income Travel Insurance , you can rest assured that you are protected in case of any mishaps during your daring escapades. So go ahead, chase that thrill knowing that NTUC Income has your back.

For those looking to add an extra element of excitement to their travels, NTUC Income Travel Insurance is the ideal choice. So pack your bags, put on your adventure hat, and let NTUC Income take care of the rest.

Suitable for adventure seekers who thrive on adrenaline-pumping activities, NTUC Income Travel Insurance offers coverage for a wide range of adventurous pursuits. From mountain climbing to white-water rafting, you can indulge in your passion for adrenaline-fuelled experiences without worrying about the risks involved.

Families with young children

Frequent travellers with young children know the challenges of keeping little ones safe and entertained during trips. NTUC Income Travel Insurance provides peace of mind for families, offering coverage for medical expenses, trip interruptions, and even child-specific benefits like emergency medical care and compassionate visit expenses.

For families with young children, travelling can sometimes be unpredictable. With NTUC Income Travel Insurance , you can focus on creating unforgettable memories with your little ones, knowing that you are protected in case of any emergencies that may arise during your journey.

Travelling with young children can be a rewarding experience, but it also comes with its challenges. NTUC Income Travel Insurance ensures that you can focus on cherishing moments with your family, while they take care of the unexpected.

For families with young children, NTUC Income Travel Insurance offers a range of benefits tailored to ensure that your little ones are well-protected while you explore new destinations together. From medical coverage for children to assistance in case of emergencies, NTUC Income has everything covered, so you can focus on creating precious memories with your family without any worries.

What Does NTUC Income Travel Insurance Cover?

Medical emergencies.

Not only do medical emergencies have the potential to derail your trip, but they can also put a strain on your finances. With NTUC Income Travel Insurance, you can rest assured knowing that you are covered for a range of medical expenses while you’re abroad. From hospitalisation to emergency medical treatments, you can travel with peace of mind.

On top of that, if you require emergency medical evacuation due to a serious illness or injury, NTUC Income Travel Insurance has got you covered. This additional safety net ensures that you can receive the necessary medical attention, even if it means being transported to a different location for treatment.

Should the unforeseen happen and you need to cut your trip short due to a medical emergency, NTUC Income Travel Insurance also provides coverage for trip curtailment . This means that you won’t be left out of pocket if you have to return home earlier than planned for medical reasons.

Travel-related accidents

What if you experience a travel-related accident during your trip? With NTUC Income Travel Insurance, you can have coverage for accidental death and permanent disability resulting from such incidents. This means that you and your loved ones will have financial protection in the event of a tragic accident while you are away from home.

NTUC Income Travel Insurance also offers personal accident coverage , which provides compensation for accidental bodily injuries that result in temporary or total disability. This extra layer of protection ensures that you are taken care of should you suffer from an unexpected accident during your travels.

Income protection benefits are also included in NTUC Income Travel Insurance, offering daily hospital income for each day you are hospitalised due to a travel-related accident. This feature provides additional support to help ease any financial burdens that may arise from extended hospital stays.

Natural disasters and terrorism

Income travellers face unexpected events, such as natural disasters and terrorism , while travelling. With NTUC Income Travel Insurance, you are covered for trip cancellations or disruptions caused by such incidents. This means that you can claim for any non-refu ndable expenses if a severe weather even t or terrorist attack affects your trip.

NTUC Income Travel Insurance also provides coverage for emergency assistance and repatriation in case you find yourself in a dangerous situation due to a natural disaster or act of terrorism. This additional benefit ensures that you can receive the necessary help and be safely transported back home if needed.

Moreover, NTUC Income Travel Insurance offers counselling services for those who may experience trauma or distress as a result of natural disasters or terrorist incidents during their trip. This holistic approach to support ensures that you have access to the emotional care you may require during such challenging times.

What is Not Covered by NTUC Income Travel Insurance?

Many things are not covered by NTUC Income Travel Insurance, and it’s vital to understand these exclusions to avoid any surprises during your trip. Here are some key areas that you should be aware of:

Pre-existing medical conditions

Insurance is unable to cover any claims related to pre-existing medical conditions. This means that if you have any health issues that existed before you purchased the travel insurance, any medical treatment or expenses arising from these conditions will not be covered. It is crucial to declare all pre-existing conditions accurately when purchasing your travel insurance to avoid complications later on.

High-risk activities

Activities such as skydiving, bungee jumping, or participating in extreme sports are typically considered high-risk by insurance companies. NTUC Income Travel Insurance may not provide coverage for any injuries or incidents that occur while engaging in these activities. It’s important to check the policy details to see which specific activities are excluded from coverage.

To ensure you are protected during your trip, consider purchasing additional coverage or a specific policy that caters to high-risk activities if you plan on participating in them.

Travel to restricted countries

Travel to countries that are under travel advisories or deemed unsafe by governmental authorities may not be covered by NTUC Income Travel Insurance. It is vital to check the list of restricted countries specified in the policy wording to avoid any issues. If you choose to travel to these destinations and face any emergencies or incidents, you may not be able to make a claim for assistance or compensation.

It is crucial to familiarise yourself with the exclusions and limitations of NTUC Income Travel Insurance to ensure you have adequate coverage for your trip. By understanding what is not covered, you can make informed decisions and take necessary precautions to protect yourself while travelling.

How to Purchase NTUC Income Travel Insurance

Once again, you find yourself planning for your next trip and considering whether NTUC Income Travel Insurance is the right choice for you. To make the purchasing process easier, here is a guide on how you can acquire this travel insurance.

Online application process

The first step in obtaining NTUC Income Travel Insurance online is to visit their official website. Here, you can explore the different plans available and choose one that suits your travel needs. Make sure to read the policy details carefully and understand what is covered before proceeding with your application.

Next, you will need to fill in an online application form with your personal details, trip information, and any additional coverage you may require. Once you have completed the form, you can proceed to payment and receive instant confirmation of your travel insurance . It’s a convenient and straightforward process that allows you to purchase insurance from the comfort of your own home.

After completing your online application, you will receive a policy document via email. Remember to keep a copy of this document with you during your travels in case you need to reference it in any unforeseen circumstances.

Offline application process

To apply for NTUC Income Travel Insurance offline, you can visit one of their branches or speak to an insurance agent. They will guide you through the different plans available and help you choose the most suitable one for your trip .

To complete your offline application, you will need to fill in a physical application form with your details and trip information. Make sure to double-check all the information provided to avoid any discrepancies in your policy.

If you prefer a more personalised approach to purchasing travel insurance, the offline application process allows you to ask any questions you may have and receive expert advice from the insurance agent regarding the coverage you need for your trip.

When applying for NTUC Income Travel Insurance offline, you can choose to pay in cash or via other offline payment methods accepted by the insurer. This option is suitable for those who prefer face-to-face interactions and would like to discuss their travel insurance needs in detail with an agent.

Required documents and information

On top of providing your personal details and trip information, you may be required to submit additional documents such as your passport details, flight itinerary, and proof of travel history when applying for NTUC Income Travel Insurance. Ensuring you have all the necessary documents ready will expedite the application process and prevent any delays in securing your coverage .

It’s imperative to check the specific requirements for your chosen travel insurance plan , as different plans may require additional information or documentation. Be prepared and have all the necessary documents on hand to make the application process as smooth as possible.

Claims Process for NTUC Income Travel Insurance

For your next trip, it’s necessary to understand the claims process for NTUC Income Travel Insurance. This will ensure you are prepared in case of any unforeseen circumstances. Filing a claim with NTUC Income is a straightforward process that can be done online or through their customer service hotline.

Filing a claim

Travel should you encounter any issues during your trip that are covered by your policy, such as medical emergencies or trip cancellations, you’ll need to file a claim with NTUC Income. This typically involves providing details of the incident, supporting documents, and any other relevant information requested by the insurer.

Required documents and evidence

With NTUC Income Travel Insurance, you may be required to submit documents such as medical reports, police reports (in cases of theft or loss), receipts for expenses incurred, and proof of travel (such as tickets or itineraries). It’s important to keep all receipts and documentation during your trip to facilitate the claims process.

Plus, NTUC Income may request additional evidence to support your claim, such as proof of ownership for lost or stolen items, or additional medical documentation. Providing all the necessary documents promptly can help expedite the claims process and ensure a smoother experience for you.

Claim settlement process

Settlement of claims with NTUC Income is usually efficient, with most claims being processed within a reasonable timeframe. Once your claim is approved, you can expect to receive compensation for the covered expenses, subject to the terms and conditions of your policy. In case of any delays or further information required, NTUC Income will liaise with you accordingly.

Process Understanding the claims process for NTUC Income Travel Insurance can give you peace of mind and confidence during your travels. By being aware of the necessary documents, filing procedures, and settlement timelines, you can ensure a hassle-free experience in the event of an unforeseen incident. Remember to review your policy details carefully and reach out to NTUC Income for any clarification or assistance regarding your claim.

Customer Reviews and Ratings

Positive reviews.

All you hear from customers who have used NTUC Income Travel Insurance is praise for their excellent service and comprehensive coverage. The ease of purchasing a policy and the efficient claims process are often highlighted. Many travellers appreciate the peace of mind that comes with knowing they are well-protected during their trips.

The customer service provided by NTUC Income is also highly rated, with many people mentioning how helpful and responsive the staff are. Travellers feel reassured knowing that they can rely on a dedicated team to assist them in case of any emergencies abroad.

Moreover, customers often mention that the pricing of the insurance plans is competitive and offers great value for money. With NTUC Income , you not only get excellent coverage but also peace of mind at an affordable price.

Negative reviews

For some travellers, the negative reviews about NTUC Income Travel Insurance stem from issues with claim denials or delays in processing. This can be frustrating, especially when you are in a foreign country and need urgent assistance. It’s important to carefully review the policy terms and conditions to avoid any misunderstandings that could lead to claim rejections.

Some customers also mention that the coverage limits may not be sufficient for certain high-risk activities or expensive belongings. If you are planning an adventurous trip or carrying valuable items, it’s crucial to assess whether NTUC Income provides adequate coverage for your specific needs.

It’s important to note that negative reviews can vary based on individual experiences and expectations. When considering NTUC Income Travel Insurance , make sure to read both positive and negative feedback to get a balanced perspective.

Overall rating and satisfaction

With an overall high rating from satisfied customers, NTUC Income Travel Insurance stands out as a reliable choice for your next trip. The combination of comprehensive coverage, competitive pricing, and excellent customer service makes it a popular option among travellers looking for peace of mind and financial protection while overseas.

When considering satisfaction levels, many customers express their contentment with the quality of service provided by NTUC Income . The ease of buying a policy, the range of benefits offered, and the responsive support team all contribute to a positive experience, ensuring that you can travel with confidence.

Negative reviews should be taken into account when considering NTUC Income Travel Insurance , but overall, the majority of customers are happy with the level of coverage and service they receive. Remember to assess your own travel needs and preferences to determine if NTUC Income is the right choice for your next journey.

Comparison with Other Travel Insurance Providers

Despite the popularity of NTUC Income Travel Insurance, it’s vital to compare its offerings with other travel insurance providers. Here is a breakdown of the similarities and differences to help you make an informed decision.

Similarities with other providers

Travel Differences with other providers

One significant difference with NTUC Income Travel Insurance compared to other providers is its flexibility in customising your coverage to suit your specific travel needs. While some providers offer standard packages, NTUC Income allows you to tailor your insurance plan according to your preferences.

Understanding your unique requirements is crucial when deciding on a travel insurance provider. NTUC Income stands out in this aspect by offering a wide range of coverage options, ensuring that you only pay for what you need.

Unique selling points

To help you make an informed decision, NTUC Income Travel Insurance stands out from other providers with its unique selling points. One key feature is its high coverage limits for medical expenses in case of emergencies, giving you peace of mind during your travels.

Common FAQs about NTUC Income Travel Insurance

Policy duration and renewal.

Keep in mind that NTUC Income Travel Insurance offers policies that can range from a few days to as long as 182 days per trip. Whether you are going on a short weekend getaway or an extended holiday, there is a policy duration that will suit your needs. If you find yourself needing an extension while you are already on your trip, you can contact NTUC Income to enquire about policy renewal options.

For those wondering about renewing your policy for multiple trips throughout the year, NTUC Income also offers annual travel insurance plans. These convenient plans allow you to have continuous coverage for all your trips within a year without the need to purchase a new policy every time you travel.

It is important to review the terms and conditions of the policy regarding duration and renewal to ensure that you have the necessary coverage for the entire period of your trip. If you have any uncertainties or specific requirements, do not hesitate to reach out to NTUC Income for clarification.

Policy cancellation and refunds

For policy cancellation inquiries, you can contact NTUC Income for guidance on the proper procedure. Cancellation may be subject to certain terms and conditions, so it’s advisable to check these before making a decision. In the event that you need to cancel your policy due to unforeseen circumstances, NTUC Income may provide refunds based on the cancellation policy outlined in your insurance agreement.

Understanding the policy cancellation and refund process is crucial, so you know your rights and options in case you need to make changes to your insurance coverage. Make sure to keep all documentation related to your policy and communicate directly with NTUC Income for any inquiries regarding cancellation and refund procedures.

Travel insurance for seniors

For seniors looking to purchase travel insurance, NTUC Income offers comprehensive coverage suitable for your needs. Whether you are planning a relaxing holiday or an adventurous trip, having travel insurance can provide you with peace of mind. NTUC Income understands the unique requirements of seniors and offers customised plans that cater to your age group.

If you have any pre-existing medical conditions that need to be taken into account, it’s necessary to disclose these details when purchasing your insurance policy. NTUC Income can provide you with additional information on how your medical history may affect your coverage and what options are available to you. Travel with confidence knowing that you are protected by a reputable insurance provider like NTUC Income.

Tips for Buying Travel Insurance

For your next trip, you need to make sure you choose the right travel insurance policy. Here are some tips to help you make an informed decision:

Research and comparison

Research and comparison are crucial when it comes to selecting the most suitable travel insurance for your trip. Take the time to compare different insurance providers, their coverage options, and the premiums they offer. Here is a breakdown to help you with your research:

Reading policy fine print

Fine print clauses in insurance policies can often contain crucial details that may impact your coverage. Make sure you read the policy document carefully to understand the terms and conditions fully. Pay attention to:

Considering additional coverage options

This comprehensive guide to buying travel insurance will help you navigate through the various coverage options available, ensuring you select the policy that best suits your travel needs.

Why You Need Travel Insurance for Your Next Trip

Unexpected medical emergencies.

Travel can be exciting and full of new experiences, but it also comes with its share of risks. Unexpected medical emergencies can arise when you least expect them, leaving you stranded in a foreign country with hefty medical bills. With NTUC Income Travel Insurance, you can have peace of mind knowing that you are covered for medical expenses, including hospital stays, ambulance services, and emergency medical evacuation.

If you encounter a sudden illness or injury while travelling, having travel insurance can make a significant difference in getting the care you need without worrying about the cost. NTUC Income Travel Insurance offers 24/7 emergency assistance, ensuring that you receive the necessary medical attention promptly and without hassle.

Moreover, in the event of a medical emergency that requires you to cut short your trip and return home, NTUC Income Travel Insurance provides coverage for trip cancellations and curtailments, helping you avoid financial losses from unused bookings and arrangements.

Travel-related risks and uncertainties

With travel-related risks and uncertainties such as flight cancellations, lost luggage, and natural disasters, having travel insurance is necessary to protect yourself from unforeseen circumstances. NTUC Income Travel Insurance offers coverage for trip delays, baggage losses, and personal belongings, giving you peace of mind throughout your journey.

Whether you’re commencing on a backpacking adventure or a luxury holiday, having travel insurance can safeguard you against a wide range of risks, ensuring that you are prepared for any eventuality. NTUC Income Travel Insurance also provides coverage for travel inconveniences such as trip interruptions and missed connections, allowing you to travel with confidence.

Another benefit of NTUC Income Travel Insurance is that it offers 24-hour travel assistance services, including emergency medical referrals, legal assistance, and travel advisories. This additional support can be invaluable when navigating unfamiliar territories and dealing with unexpected challenges during your trip.

Peace of mind and financial security

An necessary aspect of travel insurance is the peace of mind and financial security it provides, knowing that you are protected against various risks that may occur during your trip. NTUC Income Travel Insurance offers coverage for trip cancellations, travel disruptions, and medical emergencies, giving you the confidence to explore new destinations without worries.

For instance, if you were to fall ill or encounter an unexpected emergency while travelling, having travel insurance can alleviate the financial burden of medical expenses and treatment costs. NTUC Income Travel Insurance also provides coverage for emergency medical evacuations, ensuring that you receive the necessary care and transportation to the nearest suitable medical facility.

Summing up, when considering whether NTUC Income Travel Insurance is right for your next trip, it’s important to weigh the pros and cons carefully. With its comprehensive coverage, including medical expenses, trip cancellations, and baggage loss, it provides a sense of security and peace of mind for you during your travels. Additionally, the ease of online application and competitive pricing make it a convenient option for most travellers.

However, it’s worth noting that some limitations exist, such as exclusions for pre-existing medical conditions and certain high-risk activities. Therefore, if you have specific requirements or engage in adventurous pursuits, you may need to explore additional coverage options. Overall, NTUC Income Travel Insurance can be a suitable choice for the average traveller looking for reliable protection and assistance while abroad.

To summarize, by carefully evaluating your travel needs and preferences, you can determine whether NTUC Income Travel Insurance aligns with your expectations. Remember to read the policy details thoroughly, compare it with other insurance offerings, and make an informed decision based on what matters most to you. Whether you’re planning a relaxing beach holiday or an action-packed adventure, having the right insurance coverage can make all the difference in ensuring a smooth and worry-free trip.

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