NTUC Income Travel Insurance stands out for its excellent handling of pre-existing conditions, earning high marks among travellers seeking reliable coverage. The plan offers robust protection for medical emergencies, trip cancellations, and features medical evacuations as well as comprehensive COVID-19 coverage. This makes NTUC Income a preferred travel insurance for those with pre-existing conditions who may find it challenging to secure adequate coverage from other providers.
Table of Contents
- Comparing NTUC Income Travel Insurance to Other Plans
- NTUC Income Travel Insurance Plans Review
- What is NTUC Income Enhanced PreX?
- NTUC Travel Insurance Pricing
- Benefits - Is NTUC a Good Travel Insurance?
- List of NTUC Income Travel Insurance Exclusions
- Pros & Cons - Is NTUC Travel Insurance Good?
- NTUC Income Travel Insurance Claim
- Detailed Review of Best Travel Insurance in NTUC Income
- Other Travel Insurance Provider Reviews
Summary
NTUC Income offers specialised travel insurance plans tailored to a variety of needs, ensuring broad protection for travellers under different circumstances, including coverage for pre-existing conditions. Some highlights include:
- Extensive coverage options with competitive limits, including COVID-19 coverage as standard
- Coverage for pre-existing conditions (for Income Enhanced PreX plans)
- Coverage for extreme sports such as hiking, skiing, scuba diving and skydiving
Product Information
NTUC Income Travel Insurance Standard Plan
- Overseas medical expenses: Coverage up to S$350,000
- Trip cancellation: Coverage up to S$15,000
- Baggage loss: S$8,000
NTUC Income Travel Insurance Enhanced PreX Plan
- Overseas medical expenses: Coverage up to S$1,000,000
- Trip cancellation: Coverage up to S$15,000
- Baggage loss: S$8,000
Exceptions
- No coverage if travelling overseas against medical advice or for seeking medical treatment.
- Travelling against a travel advisory issued by the Singapore Government is not covered.
- Claims related to deliberate self-injury, suicide or attempted suicide, whether sane or insane, and any injuries from criminal acts or provoked assaults are excluded.
- Any claim arising while under the influence of alcohol or drugs is not covered.
- No coverage for pregnancy, childbirth, abortion, miscarriage, or any complications from these conditions.
Comparing NTUC Income Travel Insurance to Other Plans
|
Insurance Plan
|
NTUC Income Travel Insurance
|
NTUC Income Enhanced PreX
|
MSIG TravelEasy
|
MSIG TravelEasy Pre-Ex
|
FWD Travel Insurance
|
TIQ Travel Insurance
|
TIQ Travel Insurance Pre-Ex
|
|
Price (per week)
|
S$61 to S$195
|
S$102 to S$277
|
S$61 to S$205
|
S$70.50 to S$192.50
|
S$30 to S$87.60
|
S$39 to 72
|
S$93 to S$254
|
|
Overseas medical expenses
|
S$250,000 to S$350,000
|
S$150,000 to S$300,000
|
S$250,000 to S$1,000,000
|
S$75,000 to S$150,000
|
S$200,000 to S$1,000,000
|
S$200,000 to S$1,000,000
|
S$75,000 to S$150,000
|
|
Emergency evacuation
|
Combined with medical expenses
|
Combined with medical expenses
|
S$1,000,000
|
S$100,000 to S$200,000
|
Unlimited
|
S$1,000,000 to S$1,800,000
|
S$150,000 to S$200,000
|
|
Trip cancellation
|
S$5,000 to S$15,000
|
S$10,000 to S$15,000
|
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
|
S$5,000 to S$10,000
|
|
Travel delay
|
S$1,000 to S$2,000
|
S$1,500 to S$2,000
|
S$5,000 to S$15,000
|
S$750 to S$2,000
|
S$5,000 to S$15,000
|
S$5,000 to S$15,000
|
S$300 to S$500 (S$50 every three hours)
|
|
Baggage loss/Loss of personal belongings
|
S$3,000 to S$8,000
|
S$5,000 to S$8,000
|
S$3,000 to S$7,500
|
S$3,000 to S$7,500
|
S$3,000 to S$1,000
|
S$2,000 to S$3,000
|
S$2,000 to S$3,000
|
|
Baggage delay
|
$150 every six hours (max S$600)
|
S$1,500 to S$2,000
|
S$200 every six hours (max S$1,000)
|
S$600 to S$1,500
|
S$150 to S$900 (S$150 for every six hours)
|
S$200
|
S$200 (S$100 every six hours)
|
|
COVID-19 coverage
|
Included
|
-
|
Included
|
-
|
Add-on
|
Add-on
|
-
|
|
COVID-19 coverage (for pre-existing conditions)
|
-
|
Yes
|
-
|
No
|
-
|
-
|
Add-on
|
In a review of the standard plans from all providers, NTUC Income's travel insurance stands out for its comprehensive claim coverage, especially for baggage loss and travel delay, where it leads over competitors like FWD and TIQ. Conversely, MSIG, FWD, and TIQ offer more extensive coverage for overseas medical expenses and emergency evacuation. Notably, NTUC Income and MSIG travel insurance plans distinguish themselves by including COVID-19 coverage as a standard instead of optional add-ons.
In terms of pricing, NTUC Income's travel insurance is more expensive than FWD and TIQ, but remains slightly cheaper than MSIG. With these considerations, Income delivers an attractive mix of affordability and comprehensive security, positioning it as an ideal choice for those in search of thorough coverage and dependability.
Looking at travel insurance plans specifically dedicated for pre-existing conditions, NTUC Income's Enhanced PreX plans have the highest premium but offer the most extensive benefits among other options from MSIG and TIQ. However, a significant caveat is the comparatively lower medical claim coverage as the claim limit is combined with emergency evacuation.
Despite the higher premiums, NTUC Income's travel insurance is a good choice for travellers with pre-existing conditions looking for more comprehensive coverage.
NTUC Income Travel Insurance Plans Review
Review the features of NTUC Income's Standard travel insurance plan and find out why choosing to buy Income’s travel insurance is a smart move for any traveller.
What is NTUC Income Travel Insurance Standard?
NTUC Income's travel insurance Standard plan is a multifaceted safety net for travellers, structured to shield against a variety of risks and uncertainties faced while travelling. This travel insurance plan serves as a guardian by offering protection in diverse scenarios, from unforeseen medical emergencies abroad to unexpected trip disruptions.
Additionally, these plans are responsive to the evolving nature of overseas travel, including provisions for current health concerns such as catching COVID-19 while overseas on a holiday, making them a suitable choice for travellers looking for protection against both common and unexpected travel challenges.
The tiered structure of NTUC Income’s travel insurance plans—Classic, Deluxe, and Preferred—allows travellers to review the level of coverage they need and choose a plan that best suits their trip and budget, providing flexibility and peace of mind.
NTUC Income Travel Insurance Standard Plan Pricing and Coverage
|
Plan type
|
Classic
|
Deluxe
|
Preferred
|
|
Overseas medical expenses
|
S$300,000
|
S$300,000
|
S$350,000
|
|
Emergency medical evacuation
|
Combined with medical expenses
|
Combined with medical expenses
|
Combined with medical expenses
|
|
Personal accident (death,TPD)
|
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$1,000
|
S$1,200
|
S$2,000
|
|
Sports and adventure coverage
|
Included
|
Included
|
Included
|
|
COVID-19 coverage
|
Included
|
Included
|
Included
|
Is NTUC a good travel insurance? Well, a review of Income’s Standard plans shows that they 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.
What is NTUC Income Enhanced PreX?
The NTUC Income Insurance Enhanced PreX plan is a travel insurance product designed to provide comprehensive coverage for individuals with pre-existing medical conditions, offering them the security and freedom to travel.
NTUC Income Insurance Enhanced PreX reviews show that it is one of the most inclusive travel insurance plans around. It covers people of all ages, from children to the elderly, ensuring that pre-existing conditions like asthma, eczema, hypertension, diabetes, and more, don't prevent anyone from exploring the world. This coverage includes, but is not limited to, trip cancellations, medical expenses abroad, and even includes provisions for COVID-19, making it a forward-thinking solution for today's travellers.
Essentially, the Enhanced PreX plan is about enabling travel without having to worry about your pre-existing health conditions limiting your travel insurance protection, ensuring that every journey can be undertaken with confidence and adequate support.
NTUC Income Enhanced PreX Travel Insurance Plans and Pricing Coverage
|
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$1,200
|
S$1,200
|
S$2,000
|
|
COVID-19 coverage
|
Included
|
Included
|
Included
|
NTUC Travel Insurance Pricing
The price for NTUC Income Travel Insurance Standard and Enhanced PreX plans are as follows:
NTUC 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
|
NTUC 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
|
Comparison of NTUC Travel Insurance Income Standard Deluxe plan price, coverage and premiums with mid-tier industry average.
Price for insurance plan calculated without promotions
|
Premiums & Benefits
|
Deluxe
|
Mid-Tier Industry Avg
|
|
1-Week ASEAN
|
$75 per week
|
S50
|
|
Overseas Medical Expenses
|
$300,000
|
$500,000
|
|
Trip Cancellation
|
$10,000
|
$9,500
|
|
Travel Delay
|
$1,500 ($100 every six hours)
|
$1,000
|
|
Loss of Baggage
|
$5,000
|
$4,900
|
The industry average figures displayed serve as an approximate guide and are not intended to represent precise or guaranteed coverage amounts.
Comparison of NTUC Travel Insurance Income Enhanced PreX plan price, coverage and premiums with mid-tier industry average.
Price for insurance plan calculated without promotions
|
Premiums & Benefits
|
Enhanced PreX Superior
|
Top-Tier Industry Avg
|
|
1-Week ASEAN
|
$128 per week
|
S62
|
|
Overseas Medical Expenses
|
$500,000
|
$1,000,000
|
|
Trip Cancellation
|
$150,000
|
$15,000
|
|
Travel Delay
|
$1,500
|
$1,400
|
|
Loss of Baggage
|
$5,000
|
$7,000
|
The industry average figures displayed serve as an approximate guide and are not intended to represent precise or guaranteed coverage amounts.
Benefits - Is NTUC a Good Travel Insurance?
COVID-19 coverage
NTUC Income also offers travel insurance with COVID-19 coverage, 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.
|
Income’s Travel Insurance COVID-19 Coverage
|
|
|
Benefits
|
Coverage Per Insured Person
|
|
Trip cancellation
|
S$2,000
|
|
Trip postponement
|
S$2,000
|
|
Shortening your trip
|
S$2,000
|
|
Trip disruption
|
S$1,000
|
|
Medical expenses overseas
|
S$150,000
|
|
Emergency medical evacuation
|
S$150,000
|
|
Overseas quarantine allowance ($100 per day)
|
S$1,400
|
Also read: Best Travel Insurance Plans With COVID-19 Coverage
Extreme sports coverage
NTUC 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.
|
Extreme Sports and Adventurous Activity
|
Income’s Travel Insurance
|
|
Mountaineering/Outdoor rock climbing
|
No (except rock climbing on man-made walls)
|
|
Bungee jumping
|
Yes
|
|
Parasailing/Paragliding
|
Yes
|
|
Parachuting
|
Yes
|
|
Skydiving
|
Yes
|
|
Scuba diving
|
Yes (up to 30 metres and if diving with a qualified instructor)
|
|
Surfing
|
Yes
|
|
Skiing/Snowboarding
|
Yes
|
|
Canoeing/Kayaking
|
Yes
|
|
White water rafting
|
Yes
|
|
Hiking/Trekking
|
Yes (up to 4,000 metres and only in a place that is open to the public without restriction)
|
|
Marathons and other competitions
|
Yes
|
List of NTUC Income Travel Insurance Exclusions
Here’s a review of common exclusions found in NTUC Income Travel Insurance plans:
Travel Against Medical Advice: No coverage if travelling overseas against medical advice or for seeking medical treatment.
Government Travel Advisory: Travelling against a travel advisory issued by the Singapore Government is not covered.
Self-Inflicted Harm: Claims related to deliberate self-injury, suicide or attempted suicide, whether sane or insane, and any injuries from criminal acts or provoked assaults are excluded.
Alcohol or Drug Influence: Any claim arising while under the influence of alcohol or drugs is not covered.
Pregnancy and Related Conditions: No coverage for pregnancy, childbirth, abortion, miscarriage, or any complications from these conditions.
Mental Health Disorders: Mental problems or insanity are not covered.
Sexually Transmitted Infections: Excludes coverage for sexually transmitted infections, HIV, AIDS, and any related conditions.
For detailed exclusions specific to the NTUC Travel Insurance Standard or Income Enhanced PreX Plan, please review your official policy wording documents.
Pros & Cons - Is NTUC Travel Insurance Good?
|
Pros
|
Cons
|
|
Travel insurance coverage for pre-existing conditions (for NTUC Income Enhanced PreX plans only)
|
Overseas medical expenses and emergency evacuation limits are combined
|
|
Coverage for COVID-19
|
Pricier than most travel insurance plans
|
|
Higher-than-average coverage for trip cancellations, travel delays, and baggage loss
|
No coverage for extreme sports such as outdoor rock climbing, mountaineering, hunting, caving, aerobatics, BASE jumping, free flying, wingsuit flying, and ice climbing
|
NTUC 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, NTUC 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.
Income's approach to travel insurance reflects a commitment to inclusivity and comprehensive care. By addressing the unique challenges faced by travellers, Income sets a new standard for the industry, offering a solution where others see limitations.
Whether you need single-trip or annual insurance, this dedication to providing peace of mind for all travellers, regardless of their health background and pre-existing conditions underscores the value of choosing NTUC Income for your travel insurance needs, ensuring that your adventures are safeguarded with empathy and expertise.
Also read: What You Need to Know About Travelling With Pets Singapore
NTUC Income Travel Insurance Claim
Follow these steps to file your travel insurance claim with Income:
1. Call the Claims Hotline
You can directly reach out to NTUC Income’s dedicated claims hotline at +65 63381222 for immediate assistance and to start the claims process. When you call, be prepared to provide your policy number and details about the incident that led to your claim.
2. Submit Online
Alternatively, you can go to NTUC Income’s website, find the online form, fill it out, and attach the necessary documents like invoices, flight itineraries, police reports, and medical reports.
3. Email Customer Service
Otherwise, you can also drop an email to the NTUC Income customer service team at pcc@income.com.sg with all relevant travel insurance claim details and documents.
NOTE: Your claims must be made within 30 days of the insured incident.
Detailed Review of Best Travel Insurance in NTUC Income
NTUC Income Travel Insurance Standard Plan Review
Reviews available online show that NTUC Income's Standard Travel Insurance plan is well-regarded for its comprehensive coverage across a range of travel-related incidents. This plan excels in offering protection against unforeseen medical emergencies, trip disruptions, and also includes COVID-19 coverage as standard instead of an optional add-on.
Users appreciate the flexibility offered by the tiered plan structure — Classic, Deluxe, and Preferred — allowing them to tailor the coverage and price to their specific needs.
NTUC Income Travel Insurance Enhanced PreX Plan Review
Reviews of the Enhanced PreX plan from NTUC Income highlight how it is one of the best travel insurance plans for travellers with pre-existing medical conditions. Reviewers note the plan’s higher premiums versus its competitors, but recognise the benefits of extensive and higher coverage amounts.
While its medical expenses coverage limit is overall lower than competitors due to being combined with emergency services, the overall package offers a robust safety net for travellers with pre-existing conditions, who may find it challenging to find a suitable travel insurance plan.
Other Travel Insurance Provider Reviews
Want to see what other providers have to offer? Explore even more travel insurance provider reviews by SingSaver:
- AirAsia travel insurance review
- Allianz Travel Hero insurance review
- Amex My travel insurance review
- DBS TravellerShield Plus insurance review
- Direct Asia travel insurance review
- Ergo TravelProtect insurance review
- FWD travel insurance review
- HL Assurance Travel Protect360 insurance review
- Klook Protect travel insurance review
- MSIG travel insurance review
- NTUC Income travel insurance review
- OCBC Explorer travel insurance review
- Scootsurance travel insurance review
- Seedly travel insurance review
- Sompo travel insurance review
- Singlife travel insurance review
- Tiq by Etiqa travel insurance review
- UOB InsureTravel insurance review
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