Income Travel Insurance coverage
1. Coverage for pre-existing medical conditions and emergency evacuation (for Income Travel Insurance Enhanced PreX only)
Income is one of the three insurance providers in Singapore (the other two being MSIG and TIQ) that provides coverage for pre-existing medical conditions, such as asthma, eczema, diabetes and high blood pressure.
You can avail yourself of these benefits by choosing the Income Enhanced PreX version of the policy.
It's worth noting that Income’s Travel Insurance plans combine overseas medical and emergency evacuation limits together, resulting in lower overall coverage. In contrast, both MSIG and TIQ offer separate limits for both claims.
2. COVID-19 coverage
This plan also covers COVID-19-related inconveniences such as trip cancellations/postponements, medical expenses, quarantine allowance, evacuation costs, and more.
This allows you to recover pre-booked accommodation expenses should you be forced to cancel your trip due to the disease.
Also read: Best Travel Insurance Plans With COVID-19 Coverage
3. Sports coverage
Income Travel Insurance provides comprehensive sports cover. You’ll be protected when indulging in all manner of outdoors and sports activities such as hiking, skiing, scuba diving, skydiving and more.
If you need more information, do read the policy contract for more details.
4. Coverage for overseas medical expenses, personal accidents, baggage loss, etc.
Aside from COVID-19 coverage, Income Travel Insurance also provides good coverage for various benefits, including personal accidents (up to S$200,000), trip cancellations (up to S$15,000), baggage loss (up to S$8,000), travel delays (up to S$2,000), and more.
List of exclusions
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Pre-existing conditions (except for PreX plans)
-
Pregnancy coverage
-
Cosmetic or elective surgery
-
Metastatic or terminal illness
-
Items taken/destroyed by customs officers
-
Extreme sports
-
Fragile items, antiques, dentures, artefacts
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Baggage checked in separately or unattended items
-
Business goods
-
Sports equipment
You may see the full list of exclusions here.
Travel Insurance Plans and Pricing
Income offers two travel insurance plans:
- Income Travel Insurance Standard
- Income Insurance Enhanced PreX
As previously mentioned, the difference is that the Enhanced PreX plans provide coverage to the insured person for pre-existing medical conditions, while the Standard plans do not.
Both plans are further divided into three tiers, which provide different coverage amounts:
-
Income Travel Insurance Standard: Classic, Deluxe, and Preferred
-
Income Enhanced PreX: Basic PreX, Superior PreX, and Prestige PreX
Let’s take a look at the plans and coverage amount (per insured person for adults below 70 years old):
Income Travel Insurance Standard
Plan type |
Classic |
Deluxe |
Preferred |
Overseas medical expenses |
S$250,000 |
S$300,000 |
S$350,000 |
Emergency medical evacuation |
Combined with medical expenses |
Combined with medical expenses |
Combined with medical expenses |
Personal accident |
S$100,000 |
S$125,000 |
S$200,000 |
Travel delay (S$100 every six hours) |
S$1,000 |
S$1,500 |
S$2,000 |
Trip cancellation |
S$5,000 |
S$10,000 |
S$15,000 |
Baggage loss |
S$3,000 |
S$5,000 |
S$8,000 |
Baggage delay (S$200 every six hours) |
S$1,200 |
S$1,200 |
S$2,000 |
Sports coverage |
Included |
Included |
Included |
COVID-19 coverage |
Included |
Included |
Included |
Income’s Standard plans offer the standard (pun intended) coverages you’d expect from a travel insurance plan, including medical expenses, personal accidents, trip cancellations, and baggage delays.
On top of this, all their plans come included with COVID-19 benefits, which is something that isn’t available in most travel insurance plans.
Lastly, you’ll also get coverage for medical expenses ranging from S$250,000 to S$350,000.
However, while this is adequate for most, remember that the limit is shared with emergency medical evacuation, so the coverage may not be enough if you need emergency medical treatment and a flight back to Singapore.
Income Enhanced PreX Travel Insurance plans
Plan type |
Enhanced PreX Basic |
Enhanced PreX Superior |
Enhanced PreX Prestige |
Overseas medical expenses |
S$500,000 |
S$500,000 |
S$1,000,000 |
Overseas medical expenses, emergency evacuation and repatriation (for pre-existing conditions) |
S$150,000 |
S$150,000 |
S$300,000 |
Emergency medical evacuation |
Combined with medical expenses |
Combined with medical expenses |
Combined with medical expenses |
Personal accident |
S$200,000 |
S$200,000 |
S$500,000 |
Travel delay (S$100 every six hours) |
S$1,500 |
S$1,500 |
S$2,000 |
Trip cancellation |
S$10,000 |
S$10,000 |
S$15,000 |
Baggage loss/damage |
S$5,000 |
S$5,000 |
S$8,000 |
Baggage delay (S$200 every six hours) |
S$1,500 |
S$1,500 |
S$2,000 |
COVID-19 coverage |
Included |
Included |
Included |
Income’s PreX plans offer S$150,000 to S$300,000 to cover medical expenses and emergency evacuation. But as we’ve pointed out, the downside is that the limits for both are shared. You’ll also get coverage for overseas medical treatments, emergency evacuation, or travel inconveniences (including accommodation expenses)if they’re related to your pre-existing condition.
You can also claim up to 50% for travel inconveniences (cancellations, postponements, delays) if you buy their Superior or Prestige plans. Though, keep in mind that you need to co-pay 50% of the amount too, should you make a claim.
Like many other travel insurance plans, the premiums are based on the plan and your travel destination. In general, the farther you travel, the higher the premium.
Income offers yearly and single-trip plans for both individuals and families to several destinations around the world. Here’s the list of countries/regions that are covered under Income Travel Insurance:
ASEAN |
Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand, Vietnam |
Asia |
All ASEAN countries and Australia, China (except Mongolia and Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan |
Worldwide |
All countries |
Countries not covered |
Afghanistan, Iraq, Liberia, Sudan, and Syria |
Here are the premiums for its Standard and PreX plans:
Income Travel Insurance Standard
Income Travel Insurance plan type |
Classic |
Deluxe |
Preferred |
Price (ASEAN) |
S$61 per week |
S$75 per week |
S$98 per week |
Price (Asia) |
S$70 per week |
S$88 per week |
S$122 per week |
Price (global) |
S$137 per week |
S$156 per week |
S$195 per week |
Income Enhanced PreX
Income Travel Insurance plan type |
PreX Basic |
PreX Superior |
PreX Prestige |
Price (ASEAN) |
S$102 per week |
S$128 per week |
S$149 per week |
Price (Asia) |
S$121 per week |
S$156 per week |
S$183 per week |
Price (global) |
S$194 per week |
S$240 per week |
S$277 per week |
Not surprisingly, Income’s PreX plans are priced higher due to the pre-existing coverage. The cheapest PreX plan would cost you S$102 for a week for a trip to ASEAN countries.
Let’s see how Income compares against other popular travel insurance plans such as MSIG, FWD, and TIQ.
Income vs MSIG vs FWD vs TIQ
Insurance plan |
Income Travel Insurance |
MSIG TravelEasy |
FWD Travel Insurance |
TIQ Travel Insurance |
Price (per week) |
S$61 to S$195 |
S$61 to S$205 |
S$30 to S$87.60 |
S$39 to S$72 |
Overseas medical expenses |
S$250,000 to S$350,000 |
S$250,000 to S$1,000,000 |
S$200,000 to S$1,000,000 |
S$200,000 to S$1,000,000 |
Emergency evacuation |
Combined with medical expenses |
S$1,000,000 |
Unlimited |
S$1,000,000 to S$1,800,000 |
Trip cancellation |
S$5,000 to S$15,000 |
S$5,000 to S$15,000 |
S$7,500 to S$15,000 |
S$5,000 to S$10,000 |
Travel delay |
S$1,000 to S$2,000 |
S$500 to S$1,500 |
S$300 to S$1,000 (S$100 every six hours) |
S$300 to S$500 |
Buggage loss/ Loss of personal belongings |
S$3,000 to S$8,000 |
S$3,000 to S$7,500 |
S$300 to S$1,000 |
S$2,000 to S$3,000 |
Buggage delay |
$150 every six hours (max S$600) |
S$200 every six hours (max S$1,000) |
S$150 to S$900 (S$150 for every six hours) |
S$200 |
COVID-19 coverage |
Included |
Included |
Add-on |
Add-on |
Among the four, Income has the highest coverage for baggage loss, and its travel delay coverage is also higher than FWD and TIQ. For baggage delay, the coverage is pretty much similar across the board.
Conversely, MSIG, FWD and TIQ all offer higher overseas medical expenses and emergency evacuation coverage compared to Income. Income Travel Insurance is more expensive than FWD and TIQ, but slightly cheaper than MSIG.
Income Enhanced PreX vs MSIG TravelEasy Pre-Ex vs TIQ Travel Insurance Pre-Ex
Insurance plan |
Income Enhanced PreX |
MSIG TravelEasy Pre-Ex |
TIQ Travel Insurance Pre-Ex |
Price (per week) |
S$102 to S$277 |
S$70.50 to S$192.50 |
S$93 to S$254 |
Overseas medical expenses (for pre-ex conditions) |
S$150,000 to S$300,000 |
S$75,000 to S$150,000 |
S$75,000 to S$150,000 |
Emergency evacuation (for pre-ex conditions) |
Combined with medical expenses |
S$100,000 to S$200,000 |
S$150,000 to S$200,000 |
Trip cancellation |
S$10,000 to S$15,000 |
S$5,000 to S$15,000 |
S$5,000 to S$10,000 |
Travel delay |
S$1,500 to S$2,000 |
S$750 to S$2,000 |
S$300 to S$500 (S$50 every three hours) |
Baggage loss |
S$5,000 to S$8,000 |
S$3,000 to S$7,500 |
S$2,000 to S$3,000 |
Baggage delay |
S$1,500 to S$2,000 |
S$600 to S$1,500 |
S$200 (S$100 every six hours) |
COVID-19 coverage (for pre-ex conditions) |
Yes |
No |
Add-on |
As mentioned, Income, MSIG, and TIQ are the only insurers in Singapore that provide coverage for pre-existing conditions at the moment.
As you can see, Income Enhanced PreX plans have the highest premiums among the three. However, you get better coverage for most categories, including trip cancellations, travel delays, and baggage delays. Additionally, it also comes included with COVID-19 benefits.
That said, the caveat is that the medical coverage is comparatively lower than its counterparts since the limit is combined with emergency evacuation.
For example, Income’s Enhanced PreX Basic’s overseas medical expenses and emergency evacuation have a combined coverage of S$500,000.
In contrast, MSIG TravelEasy Pre-Ex Standard offers S$500,000 for overseas medical expenses and S$1,000,000 for emergency evacuation.
On the other hand, TIQ Travel Insurance Pre-EX Entry offers S$200,000 and S$1,000,000 for overseas medical expenses and emergency evacuation respectively.
Therefore, if you’re on a budget or want higher medical coverage, then MSIG and TIQ travel insurance plans are better options. Though, remember that MSIG doesn’t provide any COVID-19 coverage while TIQ only has a COVID-19 add-on option.
Back to top
Should I buy NTUC Income Travel Insurance? Pros and cons
Pros |
Cons |
Coverage for pre-existing conditions (for Enhanced PreX plans only) |
Overseas medical expenses and emergency evacuation limits are combined |
Coverage for COVID-19 |
Pricier than most insurance plans |
Higher-than-average coverage for trip cancellations, travel delays, and baggage loss |
No coverage for extreme sports such as skydiving and bungee jumping |
Income Travel Insurance is a competent travel policy for a wide range of different travellers. Whether you’re looking for a laidback vacation, or an adrenaline junkie seeking to go skydiving, this plan will likely cover your needs. Furthermore, the included COVID-19 coverage adds another layer of assurance.
For travellers with pre-existing conditions, Income Enhanced PreX is one of the few travel insurance options available on the market. Though pricey, it becomes a worthwhile investment for those facing health worries, providing essential coverage and peace of mind during their travels.
Also read: What You Need to Know About Travelling With Pets Singapore
How to make a claim
You can make a claim via Income’s claims hotline at +65 63381222. Alternatively, you can also make a claim by filling the online form with supporting documents including invoice, flight itinerary, police report, medical report, etc.
Otherwise, you can also drop an email to the Income customer service team at pcc@income.com.sg.
Read these next:
- Best Travel Insurance In Singapore
- Which is Better: Individual Or Group Travel Insurance?
- Best Travel Insurance Plans And Promotions In Singapore
- Is Travel Insurance With COVID-19 Coverage Still Necessary?
- Top 3 Things Travel Insurance Should Cover (And How Much is Enough)
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