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 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.
Pricing
Like many other travel insurance plans out there, 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. Here’s the list of countries/regions that are covered under Income:
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 Travel Insurance vs MSIG TravelEasy vs FWD Travel Insurance vs TIQ Travel Insurance
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 slighter 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 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.
Etiqa travel insurance provides protection for pre-existing condition, optional COVID-19 coverage, and also covers overseas medical expenses and follow-up treatment. It's also one of the best budget travel insurance around.
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 Income customer service team at pcc@income.com.sg.
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