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Singlife Travel Insurance Singapore Review 2024

Last updated 22 August 2023
sl-logo-singlife

Best for: Loss of Frequent Flyer Points Coverage + Travel inconvenience/ Change of travelling date for any reason!

Known for their comprehensive coverage for a range of benefits, especially for medical expenses, Singlife Travel Insurance is great for those who worry about incurring high medical costs overseas.

When compared to other brands such as: HLAS which offers great all-round travel insurance, Ergo Travel Protect with its extensive coverage including sports & pet care, and Sompo, which has one of the best Japan travel insurance plans, Singlife is definitely on the pricier end but for good reason. With policies available in three types: Individual, Family, and Group, all policies except for the Group Policy can be purchased as Annual Multi-Trip Policies for frequent travelers.


Product Summary

Singlife Travel Insurance offers comprehensive coverage that may occur before, during, and after your trip. The level of coverage varies according to the selected plan type. Created to offer financial protection to the insured, Singlife Travel insurance decreases the impact of financial losses or additional costs brought on by unanticipated travel problems.

Singlife Travel Insurance Product Summary
High Medical Coverage
Singlife offers up to unlimited coverage for overseas medical expenses and emergency medical evacuation (Travel Prestige Plan).
Rental Vehicle Excess Cover
Embedded in the base plan across all plans, this coverage covers the excess or deductible which You become legally liable to pay in respect of loss or damage to the rented private vehicle during Your Trip, up to a benefit limit of S$2,500.
Loss of Frequent Flyer Points
If you purchase airline ticket, entertainment ticket or book accommodation using frequent flyer points or similar reward points, and is subsequently cancelled due to the events for which you are covered, Aviva will pay back the retail price at the time it was issued, provided the loss of points cannot be recovered from any source.
24-hour Worldwide Emergency Medical Assistance
Help when you’re travelling and in need. An experienced medical emergency assistance coordinator will deal with your enquiry and make sure that where necessary, hospitals are contacted, medical advisers are consulted and necessary medical fees are guaranteed.
Automatic Extension of Cover
Policy will remain in force for up to 30 days without any extra premium if return journey is prevented due to public transport delays or due to an accidental injury, illness or quarantine.
Child Minder
Provide additional accommodation and travelling expenses for your close relative or friend to accompany the child covered under this policy home if you sustain death or become hospitalised overseas during your trip.

Exclusions

Medical Exclusions
Trip Inconvenience and Sports Exclusions
Pre-existing medical condition. Any sports equipment and personal mobility device (PMD) that is damaged while it is being used.
Any loss, injury or damage due to the influence of alcohol or non-prescription drugs or medications. Dangerous sports and leisure activities with a high inherent level of risks (eg. bungee jumping, parachuting, free-flying, zip lining, flying fox, marathons, outdoor rock climbing, cliff jumping).
Claims arising from mental problem or insanity. Travelling against the advice of regulatory authorities.
Suicide or attempted suicide or intentional self-inflicted injury, while sane or insane. Any Golfing Equipment, Water Sports Equipment and Winter Sports Equipment unless otherwise stated on your policy schedule.
Any claim that results from a medical condition planning to get medical treatment for during your trip.

Delayed departure for any claim caused by an event (including Catastrophic Event, strike, riot or civil commotion) that existed, was planned or occurred before you bought your policy or booked your trip, whichever is later.


Types of Plans

Singlife provides three tiers of Plans with different coverage and pricing - Lite, Plus and Prestige. For more details, please read the full list of benefits and exclusions in the policy wording.

Plan Type
Cancellation
Medical Coverage (overseas)
Bags/Belongings
Lite $5,000 $250,000 $3,000
Plus $15,000 $2,000,000 $5,000
Prestige $20,000 Unlimited $8,000

 

Add-Ons/ Optional Riders - (1) Oversea Wedding & Photoshoot; (2) Golf Holiday; (3) Winter Sports; (4) Extreme Water Sports.
 

Singlife Lite Plan

Singlife Lite Plan, is good for travellers who are looking for average coverage with decent pricing. In terms of travel inconveniences, SinglifeLite Plan offers a benefit limit of $500 for baggage delay (at $100 for every six hours of baggage delay both overseas and in Singapore). Personal accident coverage is at $50,000.
 

Singlife Plus Plan

Singlife Plus Plan offers a relatively high medical coverage of $2,000,000, which is above the industry average. For baggage delay, the benefit limit is at $1,000 (capped at $200 for every six hours of baggage delay both overseas and in Singapore), similar to the Lite Plan. Personal accident coverage is at $100,000.
 

Singlife Prestige Plan

Singlife Prestige Plan offers an UNLIMITED overseas medical expense, making it suitable for travellers who are travelling to places where medical treatment/ hospitalisation due to an accident is going to cost an arm and leg. Additional coverage such as Car Rental Vehicle Return (up to $500), Home Contents (up to $15,000) and Domestic Pet Care (up to $1,000) are embedded in the Prestige base plan, and these are usually add-ons for other insurers. Baggage delay benefit limit is at $2,000 (payable at $200 for every six hours of baggage delay both overseas and in Singapore) and personal accident coverage is at $500,000.

Pros and Cons List

Pros
Cons
  • Full terrorism cover
  • Cover loss of frequent flyers points
  • Trip Cancellation for any reason and Change of Traveling dates for any reason. It covers 50% of the deposits intead of 100% under typical trip cancellation based on certain insured events
  • Replacement Traveller (For Business Travel only) for Plus and Prestige Plans - additional transport and accommodation expenses incurred to replace one traveller to take over your business trip
  • No cover for any Golfing Equipment, Water Sports Equipment and Winter Sports Equipment unless otherwise stated on your policy schedule.
  • No pre-existing conditions cover
  • Excludes participation in dangerous sports and leisure activities

 


Pricing

We look at pricing comparisons across various plans (basic/ mid-tier/ top shelf) for both Single Trip and Annual Trip. 

Basic Plan

  Singlife Lite Industry Basic Plan Average
1 week ASEAN $44 $26
1 week Asia $54 $32
1 week Worldwide $80 $46
Annual ASEAN $232 $149
Annual Asia $250 $208
Annual Worldwide $307 $282

 

Mid-Tier Plan

  Singlife Plus Industry Mid-Tier Plan Average
1 week ASEAN $62 $33
1 week Asia $78 $41
1 week Worldwide $117 $59
Annual ASEAN $330 $206
Annual Asia $363 $242
Annual Worldwide $448 $332

 

Top Shelf Plan

  Singlife Prestige Industry Top Shelf Plan Average
1 week ASEAN $86 $47
1 week Asia $109 $58
1 week Worldwide $171 $80
Annual ASEAN $460 $269
Annual Asia $505 $310
Annual Worldwide $652 $430

 

Singlife Travel Insurance Promotion: Enjoy a 25% discount when you use the promo code TRAVEL25 for Single Trip and use promo code ANNUAL25 to get 25% off Annual Trip plans. Valid till 29 February 2024. T&Cs apply. Plus, receive an Apple AirTag (worth S$45) with every application (min $60 premium). Valid till 29 February 2024. uy now to receive

  • 8 Max Miles on Heymax for every dollar spent on your premium (transferrable to 20+ popular airline or hotel partners at 1:1 ratio). Learn more about Max Miles . Valid till 29 February 2024.
  • OR a 3GB Airalo eSIM before you fly. Valid till 29 February 2024.
 

 


How to Claim

To file a claim, the insured should contact Singlife as soon as reasonably possible by calling their customer service hotline at +65 6827 9933 during office hours or by submitting claims online.

If you are overseas and facing an emergency situation, you may contact their 24/7 emergency claims assistance hotline at +65 6460 9391.

Frequently Asked Questions (FAQs)

Is it compulsory to get travel insurance?

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Though most countries do not require travellers to purchase travel insurance, there are some countries that do. It's best to do your research before your trip.

Nevertheless, purchasing travel insurance is highly recommended as you'll get a peace of mind knowing that you're insured against any travel inconveniences that might affect your trip.

Whether your flight is delayed for many hours, your baggage gets stolen overseas, or you fall ill abroad, you'll be able to be financially compensated for with travel insurance.

Who is the best insurer to get travel insurance with?

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There's no one-size-fits-all travel insurance plan for everyone. Every individual has different needs and priorities when it comes to travel coverage. Some may prioritise personal accident cover, while someone may want higher coverage for travel delays. An elderly who has pre-existing conditions will also priortise a plan that covers for that.

Because of the different needs, you'll need to find a travel insurance plan that is best suited for you.

How to buy travel insurance in Singapore?

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You can easily apply for a travel insurance plan online on the insurer's website. Simply key in your personal particulars, when you'll be overseas, where you're going, choose the plan that you want and make payment.

You can also head to SingSaver's website to compare the coverage and costs of the insurers, and simply apply directly through our site.

What is usually covered by travel insurance?

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Travel insurance plans usually include basic coverage like overseas medical expenses, personal accidents, accidental death and total permanent disability, travel cancellations, flight delays, baggage loss and baggage delay.

However, each travel insurance plan is different and offers different claim limits, which also depends on the tier of plan you purchase.

Other coverages that some insurers offer also include sports and adventure cover, rental fee excess, pre-existing conditions, rainfall cover, bridal accessories and even loss of frequent flyer points.

How late can you buy travel insurance?

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There's no hard and fast rule for when is the latest you can buy your travel insurance, as you can literally purchase one right before you board the plan and still be covered.

However, the later you buy your travel insurance, the higher the chance of you not being able to claim for certain things like flight delay (if you buy your plan only before you board the plan), trip cancellation due to a family member or travel buddy falling critically ill, trip cancellation for any reason (offered by Singlife).

Can I claim for medical expenses in Singapore after returning from my trip?

expand_more

Not all insurers offer that, so it's best to check the insurer's product brochure or policy wording before you purchase one.

Some insurers do let you claim for any medical expenses after returning to Singapore, if you incur the expense within a stipulated time period after you're back.

Do I need COVID-19 coverage?

expand_more

Though COVID-19 isn't be affecting our lives much compared to how it used to, it is still recommended to get travel insurance that covers for COVID-19.

You'll have the peace of mind knowing that you are covered for any medical expenses due to COVID-19 when you're abroad, and you can also choose to shorten or postpone your trip if you or a travel buddy contracts COVID-19 right before your trip.

Can elderly above 70 years old and above purchase travel insurance?

expand_more

It depends on the insurer. Some insurers only offer coverage for adults below 70 years old, while others do for seniors 70 and above.

However, do take note that the medical expenses coverage for seniors in that age range tend to be much lower than adults below 70, as they have a higher chance of falling ill.


Looking for travel insurance deals?

 

We’ve got no lack of exclusive promotions to help you save even more!


Protected up to specified limits by SDIC.

Note: This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that are not suitable for you may impact your ability to finance your future healthcare needs.

If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.


Read these next:

5 Best Ways To Shop for Travel Insurance

Will My Travel Insurance Cover COVID-19?

How Different Will Travel Be Post COVID-19?

What Does ‘Complimentary Travel Insurance’ by Credit Cards Cover And Is It Enough?

If I Get COVID-19, What Will I Need To Pay?

Singapore Budget 2023 Live Coverage: Key Highlights


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Use a personal loan to consolidate your outstanding debt at a lower interest rate!

 

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