Income Travel Insurance Policy in Singapore
Income Travel Insurance offers comprehensive travel protection designed specifically for Singaporeans. It covers a wide range of travel-related risks, including medical emergencies, trip cancellations, lost baggage and travel delays. With flexible plans catering to various travel styles and budgets, optional coverage for pre-existing conditions and 24/7 global assistance, Income Travel Insurance ensures travellers can explore the world with confidence.
Key Features of Income Travel Insurance
Flexible Plans
Choose from its range of plans to suit your travel style and budget. Whether you're a budget traveller or looking for premium coverage, Income Travel Insurance has options tailored to your needs.
Pre-Existing Condition Coverage
Travel worry-free with its pre-existing medical condition coverage option. This feature ensures that you're protected even if you have chronic illnesses or ongoing medical conditions.
24/7 Global Assistance
Access round-the-clock support wherever you are in the world. Its dedicated team can assist you with medical emergencies, travel emergency assistance or any other issues you might face during your trip.
Easy Claims Process
Experience a quick and hassle-free claims process with its user-friendly online platform. Submit your claims digitally and track their status in real time for added convenience.
Multi-Trip Annual Plans
For frequent travellers, its multi-trip annual plans offer cost-effective coverage for multiple journeys throughout the year, saving you time and money.
Family Plans
Protect your loved ones with its family plans, which offer comprehensive coverage for you, your spouse and your children under a single policy.
Adventure Sports Coverage
For the thrill-seekers, Income Travel Insurance offers optional coverage for adventure sports and activities, ensuring you're protected even during your experiences.
Benefits of Income Travel Insurance
Comprehensive Medical Coverage
Enjoy protection against unexpected illnesses and accidents abroad. Income Travel Insurance plans cover medical expenses, hospital stays, and even emergency dental treatment, ensuring you receive the care you need without worrying about the costs.
Trip Cancellation and Interruption
Receive reimbursement for non-refundable expenses if your trip is cancelled or cut short due to unforeseen circumstances such as serious illness, natural disasters, or a sudden civil commotion breakout.
Baggage Protection
Get coverage for lost, stolen, or damaged luggage. Income Travel Insurance also provides an allowance for essential items if your baggage is delayed, helping you manage unexpected situations with ease.
Travel Delay Compensation
Receive financial support for unexpected delays. Whether it's due to severe weather, mechanical breakdowns or other covered reasons, Income Travel Insurance helps offset additional costs incurred during delays.
Personal Liability Coverage
Stay protected against third-party claims for accidental injury or property damage. This coverage can be crucial in navigating legal and financial challenges that may arise during your travels.
Emergency Medical Evacuation
In case of severe illness or injury, Income Travel Insurance covers the costs of medically supervised evacuation to the nearest suitable medical facility or back to Singapore if necessary.
Travel Inconvenience Benefits
Receive compensation for flight overbooking, travel misconnections, or if your travel agent becomes insolvent, minimising disruptions to your travel plans.
COVID-19 Coverage
Stay protected with its specially designed COVID-19 coverage, including medical expenses and trip cancellations due to COVID-19-related issues (subject to policy terms and conditions).
Types of Coverage
Income Travel Insurance offers a variety of coverage types to meet the diverse needs of Singaporean travellers. Each type of coverage is designed to provide comprehensive protection for different travel scenarios:
1. Single Trip Coverage
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This type of coverage is ideal for travellers taking one-off journeys, whether for leisure or business purposes.
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Duration: Covers the entire length of a single trip, from departure to return.
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Flexibility: Available for trips of various durations, from short weekend getaways to extended vacations.
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Customisation: Options to add specific coverages based on the nature of the trip (e.g., winter sports coverage for ski trips).
- 2. Annual Multi-Trip Coverage
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Designed for frequent travellers, this plan provides continuous coverage for multiple trips throughout the year.
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Convenience: One policy covers all trips within 12 months.
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Cost-Effective: Often more economical for those who travel multiple times a year.
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Trip Duration Limit: Typically covers trips up to 90 days each.
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3. Group Travel Coverage
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Tailored for organisations or large groups travelling together, such as or tour groups.
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Simplified Administration: One policy covers all members of the group.
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Customisable: This can be tailored to the specific needs of the group and the nature of the trip.
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Cost-Effective: Sometimes it provides better rates for larger groups.
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4. Family Coverage
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Specially designed to protect families travelling together, offering comprehensive coverage under a single policy.
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Inclusive: Covers the policyholder, their spouse, and dependent children.
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Cost-Effective: More economical than purchasing individual policies for each family member.
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Flexible: Available for both single-trip and annual multi-trip plans.
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5. Adventure Travel Coverage
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For thrill-seekers and adventure enthusiasts, this coverage extends to a wide range of high-risk activities.
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Activity Inclusion: Covers adventure sports and activities.
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Equipment Protection: Includes coverage for specialised sports equipment.
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Each type of coverage offered by Income Travel Insurance can be further customised with additional options and higher coverage limits to suit individual needs. Travellers are encouraged to carefully review the policy details and speak with an Income Travel Insurance representative to select the most appropriate coverage for their specific travel plans.
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Compare the Income Travel Insurance Policies
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Here’s a quick overview of the benefits across standard Income Travel Insurance policies.
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Coverage Comparison Table
Plan Type
Classic Deluxe Preferred Medical Expenses Overseas Up to $250,000 Up to $500,000 Up to $1,000,000 Emergency Medical Evacuation Up to $500,000 Unlimited Unlimited Trip Cancellation Up to $5,000 Up to $10,000 Up to $15,000 Travel Delay Up to $1,000 Up to $1,500 Up to $2,000 Baggage Loss/ Damage Up to $3,000 Up to $5,000 Up to $8,000 Baggage Delay Up to $1,000 Up to $1,200 Up to $2,000 Personal Accident Up to $150,000 Up to $200,000 Up to $500,000 Loss of Travel Documents Up to $3,000 Up to $5,000 Up to $8,000 Note: The benefits above are for each trip for adults below 70 years old.
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Income Travel Insurance Promotions
- Purchase Income travel insurance via SingSaver and receive lounge access if your flight is delayed
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The Claim Process for Income Travel Insurance
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Step 1: Notify Income Travel Insurance immediately after an incident.
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Step 2: Gather necessary documents (claim form, policy copy, travel proof, relevant reports).
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Step 3: Submit a claim online.
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Step 4: Assessment by the claims team, with possible requests for additional information.
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Step 5: The decision is communicated, including settlement details if approved.
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Important Notes
- Submit claims within 30 days of the incident
- Keep copies of all submitted documents
- Check claim status through the online portal or customer service
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Frequently Asked Questions (FAQs)
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Q: How do I make an Income travel claim?
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A: Making a claim is easy. Simply log in to its online portal, fill out the claim form and upload the necessary documents.
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Q: Does Income Travel Insurance cover pre-existing conditions?
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A: Yes, it offers an option for pre-existing condition coverage. This allows travellers with ongoing medical conditions to enjoy comprehensive protection during their trips.
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Q: Are there any current Income travel insurance promotions?
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A: Income travel insurance regularly offers promotions for its travel insurance plans. Visit its website to learn more about its current offers and how you can save on your policy.
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Q: How does Income Travel Insurance compare to other providers in Singapore?
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A: Income Travel Insurance stands out with its comprehensive coverage, competitive pricing, and excellent customer service.
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Q: Can I extend my coverage if I decide to prolong my trip?
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A: Yes, you can extend your coverage period by contacting Income’s customer service team before your policy effective date . Additional premiums may apply based on the extension duration.
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Other Travel Insurance Providers
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While Income Travel Insurance is a reputable provider, it's always a good idea to compare quotes and coverage options from other travel insurance providers before making a decision. Some popular alternatives in Singapore include:
