Travel Smart: A Guide To Claim Singlife Travel Insurance

Alevin Chan

Alevin Chan

Last updated 12 September, 2023

Need help with your Singlife travel insurance claims? Here's a guide on how to do them.

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Travel insurance policies can offer powerful benefits that far outweigh their cost. This is especially in the case of Singlife as it offers very holistic coverage at a very reasonable price.

With the Singlife Travel Prestige plan, the highest-tier plan, you can receive unlimited coverage for your overseas medical claims, S$8,000 coverage for loss or damaged baggage, and personal liability of up to S$2,000,000.

They also have nifty features that are unique to them, like rainfall protection of up to S$150 and trip cancellation for any reason, up to S$7,500.

These benefits only trigger when the relevant incident occurs, and you’ll need to submit a claim in order to receive your policy benefits.

While insurers strive to cover as many scenarios as possible, the nature of insurance – essentially sharing risk across a group of participants – means that it is impossible to cover every single eventuality or scenario.

Insurance providers have to manage and edit the list of incidents they cover, so as to keep the cost of insurance affordable for as many people as possible. They also have to carefully evaluate each claim to ensure that payouts are justified, as erroneous or dubious payouts will also cause the cost of insurance to go up. This is exactly the case for bigger claims like emergency travel assistance, and personal accident resulting in death or permannet disability.

There’s a lot that can go on behind the scenes in a travel insurance claim, so here's a guide if you're making a Singlife travel insurance claim.

Table of content:

Buying travel insurance? Compare the best deals on our site, including travel insurance plans with COVID-19 coverage.

 

 

Read these next:

5 Common Mistakes People Make When Making A Travel Insurance Claim
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Travel Insurance 101: Does My Policy Cover Damaged Baggage and Contents?
11 Things You Probably Didn’t Know Your Travel Insurance Can Cover

 


Know Your Shield: Understanding Coverage, Limits, and Conditions

As mentioned, your travel insurer will only approve claims that fall within strict stipulations, which makes it crucial to understand exactly what’s covered, how much and under what circumstances.

Pay attention to any explicit exclusions – general or otherwise – that are listed in your policy documents; those are generally non-negotiable and applicable policy wide.

Another thing to note is the sub-limits, which will impact how much you will receive for any one individual item (such as a laptop or tablet), or sub-category of items (such as jewellery).

These sub-limits apply even if the main benefit has not been exhausted.

For example, let’s say you have a S$5,000 maximum benefit for personal luggage, but a S$1,000 sub-limit for personal laptops.

You will only receive S$1,000 in compensation if your laptop gets damaged or stolen – even if it is the only item you are claiming for under your personal luggage benefit.

Hence, if you put in a claim for, say, S$3,000 under your personal luggage benefits, but it’s actually to cover the cost of your stolen laptop, your claim will be countered or even outright rejected.


Be concise in explaining what happened

When submitting your travel claim, you will be asked to provide an account of what happened. This is a crucial piece of information that is meant to help the person processing your claim better understand what happened.

Thus, you will want to be concise – brief, but detailed – so as to ensure the most accurate interpretation of the causes behind your claim.

As a rule, you’ll want to follow the 5 basic questions that form the basis of any report:

  • Who – The persons affected and/or involved.

  • What – What happened, and pertinent details. Include any contributing or underlying causes, such as negligence on the part of the operator.

  • When – When did the incident happen?

  • Where – Where did this take place?

  • How – How did the incident affect you, or cause losses or damages to you?

Try to keep sentences short and simple as you’re describing your incident. Focus only on the facts, and leave emotion and conjecture out.


Read Real User Reviews of Singlife Travel Insurance

Reviews Powered by Seedly

 

Derek Wong
Rating Group - 5

Loved the ease and seamless experience of purchasing the travel insurance online which was settled in a matter of minutes. The policy and everything were subsequently sent to your email address which was hassle free and for easy retrieval in future if needed (touchwood). Have not made any claims from Aviva yet so I am unable to comment on that.

Rachel
Rating Group - 5

[Customer Service] Claims executive that handled my case was professional and efficient.

[Claims Process] It was a pleasant experience having my claim processed.

Derek Wong
Rating Group - 5

Loved the ease and seamless experience of purchasing the travel insurance online which was settled in a matter of minutes. The policy and everything were subsequently sent to your email address which was hassle free and for easy retrieval in future if needed (touchwood). Have not made any claims from Aviva yet so I am unable to comment on that.


How to claim my insurance?

Call your insurer

You've never ran into any mishap overseas before but suddenly you do. You're at a lost. Who do you call first? Singlife.

Whether you need advice on which hospital to go to, the nearest police station and the necessary documents to process the claim, you should give Singlife a call at +65 6460 9391 for any assistance you need.

This 24/7 hotline will be extremely useful in situations like when you lose your travel documents or need emergency medical evacuation immediately.

Gather supporting documents

Supporting documents are vital in ensuring a successful travel insurance claim, but it can be difficult to understand what documents you should obtain – especially when dealing with an emergency or disruptions to your trip.

These are some supporting documents that Singlife requires:

Nature of claim

Supporting documents to include

Common documents for all types of claims
  • Flight/carrier itinerary or passport stamp, which shows the date of departure and return to Singapore (if applicable).
  • Boarding pass or card
Personal Accident / Medical Expenses / Hospital Benefit / Prebooked Golfing Green Fees
  • Original medical bills
  • Medical report or discharge summary on onset date, cause, extent of permanent disability (if applicable) and nature of injury or illness
  • Police report for accident, mugging, kidnap and hostage cases
  • Death certificate, autopsy report and coroner's findings, permit to bury or cremate (death claim)
    Proof of relationship between deceased and claimant (death claim)
  • Confirmation from the golf course where the pre booked green fees were paid that they are non-refundable.
Trip Cancellation or Interruption
  • Tour itinerary and tour booking invoice or receipt
  • Travel agency/airline/carrier/pre-booked accommodation confirmation on the cost of non-refundable prepaid traveling expenses (including cancellation fees)
  • Written advice/medical certificate from a qualified attending medical practitioner confirming that you were unfit to travel (for cases of serious injury or illness)
  • Death certificate (where someone's death caused this trip cancellation)
  • Proof of relationship between deceased/injured/sick person.
Delayed Departure or Diversion of Journey or Overbooked Flight, Voyage or Train or Missed Departure and/or Connection
  • Flight/carrier itinerary, boarding pass or passport stamp, which shows the date of departure and return to Singapore
  • Airline/carrier or their handling agent's confirmation on the cause and duration of travel delay and/or missed connection.
Baggage delay
  • Flight/carrier itinerary, boarding pass or passport stamp, which shows the date of departure and return to Singapore
  • Airline/carrier or their handling agent's confirmation on the cause and duration of travel delay and/or missed connection.
Loss or Damage of Baggage, Golf Equipment and /or Travel Documents / Theft of Jewellery & Personal Money

  • Police report of the lost item(s).
  • Baggage loss or damage report.
  • Confirmation letter from airlines, carrier or travel agent/operator of amount paid as compensation for loss incurred.
  • Any photographs of the damage.
  • Original repair bill for damaged item(s)/original purchase receipt or warranty card of lost/damaged item(s).
Hijack & Hostage

  • Confirmation letter from airlines, carrier or travel agent/operator of incident details.
Hire of Replacement Golf Clubs

  • Airline/carrier delay report and acknowledgement slip for your golf club delay claim.
  • Receipt showing duration and cost of hiring a replacement set of golf clubs.
Personal Liability

  • Copy of any police report if applicable
Rental Vehicle Excess

  • Full rental agreement.
  • Accident report / police report.

In particular, you’ll also want to seek refunds or compensation from airlines, tour agents, hotels and other operators. Your request will likely be denied, but you should include their response with your claim anyway.

This is because insurers may operate on a “last resort” basis, which means they may only accept your claim after all other avenues have been exhausted – including asking for refunds or compensation from airlines and tour operators.

Hence, if you submit your claim with no indication of prior attempts to seek refunds or compensation from operators, your insurer may request that you do so before proceeding with the processing of your claim, causing a delay.

 

Singlife Travel Insurance Promotion:

Single Trip: Enjoy a 25% discount when you use the promo code TRAVEL25 for Single Trip. Valid till 30 June 2024. T&Cs apply.

Annual Trip: Use promo code ANNUAL25 to get 25% off Annual Trip plans when you buy now. Valid till 30 June 2024. T&Cs apply. Also receive:

 
  • Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am. 



 


Submit your claim

Once your documents are compiled, you may submit your Singlife travel insurance claim online here.

This is the only way to submit claims as Singlife discourages submitting your claims in-person at their service centres. Do make sure that all necessary documents are submitted to avoid any possible delays.


How long does it take to process my claim?

You'll receive an email confirmation within 3 working days of you sbmitting your claim. If they require any further documents, Singlife will get in touch with you within 20 working days.

When successful, you'll be notified via email and receive the payout via PayNow within 3 business days.

 

 


Claiming peace of mind

As long as you have the necessary documents and have done everything you're required to, your claim will most likely be approved unless otherwise stated.

If you need assistance, you can get in touch with Singlife by calling them at 68279966 or email them at gi_claims@singlife.com.

 

Singlife Travel Insurance Promotion:

Single Trip: Enjoy a 25% discount when you use the promo code TRAVEL25 for Single Trip. Valid till 30 June 2024. T&Cs apply.

Annual Trip: Use promo code ANNUAL25 to get 25% off Annual Trip plans when you buy now. Valid till 30 June 2024. T&Cs apply. Also receive:

 
  • Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am. 


Read these next:

Best Travel Insurance Plans And Promotions In Singapore (March 2023)
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An ex-Financial Planner with a curiosity about what makes people tick, Alevin’s mission is to help readers understand the psychology of money. He’s also on an ongoing quest to optimise happiness and enjoyment in his life.

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