Income Travel Insurance Review 2025

Compare plans and apply for Income Travel Insurance on SingSaver to enjoy exclusive rewards and savings.

NTUC Income offers two main travel insurance options to suit different traveller needs:

• Income Travel Insurance (Standard): The regular plan that provides essential coverage for medical expenses, trip cancellations, baggage loss, and more.

• Income Enhanced PreX: Specially designed for travellers with pre-existing medical conditions, offering peace of mind for ongoing health concerns.

Each plan is further divided into three tiers of protection, allowing you to choose the level of coverage that best fits your travel style and budget:

• Classic / Basic PreX: Entry-level protection for short trips.

• Deluxe / Superior PreX: Balanced coverage for frequent travellers.

• Preferred / Prestige PreX: The most comprehensive option for maximum coverage and benefits.

The cost of your NTUC Income travel insurance premium depends mainly on your travel destination. In general, the further you travel from Singapore, the higher the premium you can expect to pay.

Coverage is divided into three geographical zones for easier selection:

• ASEAN: Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, the Philippines, Thailand, and Vietnam.

• Asia: Includes Australia, China (excluding Mongolia and Tibet), Hong Kong, India, Japan, South Korea, Macau, New Zealand, Sri Lanka, Taiwan, and all ASEAN countries.

• Worldwide: Covers all countries across the globe, giving you full protection wherever your travels take you.

• Countries not covered: Afghanistan, Iraq, Liberia, Sudan, and Syria are excluded from NTUC Income’s travel insurance coverage.

NTUC Income Travel Insurance is available to Singapore citizens, permanent residents, and foreign residents holding valid passes. Travellers can choose between single-trip and annual multi-trip plans, depending on how often they travel each year. Families are also covered, with family plans offering protection for up to two adults and accompanying children under one policy.

Classic

• Overseas medical expenses: S$250,000

• Personal accident: S$100,000

• Trip cancellation: S$5,000

• Travel delay: S$1,000

• Baggage loss: S$3,000

Deluxe

• Overseas medical expenses: S$500,000

• Personal accident: S$125,000

• Trip cancellation: S$10,000

• Travel delay: S$1,500

• Baggage loss: S$5,000

Preferred

• Overseas medical expenses: S$1,000,000

• Personal accident: S$200,000

• Trip cancellation: S$15,000

• Travel delay: S$2,000

• Baggage loss: S$8,000

SingSaver’s take

Income Travel Insurance provides dependable, no-nonsense coverage for a wide range of travellers — from solo adventurers to families. Its strong medical and trip protection benefits, coupled with flexible options for single-trip or annual multi-trip plans, make it one of the more comprehensive and trusted choices in Singapore.

Compared to other providers, Income stands out for its consistent claims process, wide hospital and clinic network worldwide, and transparent coverage tiers. However, while it offers competitive limits for medical and trip disruption benefits, adventure sports and certain high-risk activities remain excluded unless otherwise specified. Overall, it’s a solid, balanced option for travellers seeking reliable protection from a long-standing local insurer.

Designed for travellers who have existing health conditions but still want to explore with confidence, the Income Enhanced PreX plan from NTUC Income gives you access to travel protection tailored for pre-existing medical issues. With three tiers of coverage, you can choose the level that best suits your trip and budget.

Basic

• Overseas medical expenses: S$500,000

• Personal accident: S$200,000

• Travel delay: S$1,500

• Baggage loss: S$5,000

Superior

• Overseas medical expenses: S$500,000

• Personal accident: S$200,000

• Travel delay: S$1,500

• Baggage loss: S$5,000

Prestige

• Overseas medical expenses: S$1,000,000

• Personal accident: S$500,000

• Travel delay: S$2,000

• Baggage loss: S$8,000

SingSaver’s take

NTUC Income Enhanced PreX travel insurance plans are one of the few options in Singapore that genuinely cater to travellers with pre-existing medical conditions, offering coverage for things like diabetes, hypertension, asthma and more. 

For those who might be excluded by standard travel insurance, this is a liberating solution. The tiers give you flexibility to choose protection based on your condition, trip length or budget. On top of that, you still get strong benefits for overseas medical expenses, emergency evacuation, luggage and travel delay cover. If you have health considerations and plan to travel, Enhanced PreX stands out as a meaningful upgrade — just be prepared for higher premiums and check the co-payment or sub-limits for claims linked to your condition.

When reviewing Income travel insurance, pricing is crucial. Income offers competitive rates on its travel insurance plans, catering to a range of budgets. Your premium depends on factors like trip duration, destination, and coverage level.

To give you a clearer picture, let's compare Income's pricing with other Singaporean providers:

Note: This table compares travel insurance prices from three major providers in Singapore, including Income. The prices are for a 5-day trip to ASEAN.

Keep in mind that prices may vary based on your specific circumstances. It's wise to get a personalised quote for the most accurate pricing information. Remember, the cheapest option isn't always the best — consider the coverage and benefits alongside the cost.