Compare and Find the Best Singlife Travel Insurance in Singapore 2023

Review of Singlife Travel Insurance

Singlife Travel Insurance offers comprehensive coverage for a range of benefits, including medical expenses, trip cancellations and interruptions, personal accident, personal liability and legal expenses, and more.

The policy is available in three different types: Individual Policy, Family Policy, and Group Policy. All types of policies except Group Policy can be purchased as Annual Multi-Trip Policies for frequent travellers.

Its COVID-19 coverage and convenient claims experience make it a particularly attractive option in the current travel climate.

Key Benefits

Extensive Travel Inconvenience for Any Reasons

Extensive Travel Inconvenience: Singlife Travel Insurance provides extensive coverage for various travel inconveniences that may arise due to any reason, such as travel delays, trip cancellations, and baggage delay or loss. The coverage amount varies depending on the type of plan chosen.

Designed to provide financial protection to the insured person, Singlife Travel Insurance lessens the impact of financial losses or additional expenses due to unexpected travel inconveniences.

Unlimited Medical Overseas Expenses Coverage

Unlimited Medical Overseas Expenses Coverage: Singlife Travel Insurance provides unlimited coverage for medical expenses incurred overseas due to sickness or injury while travelling under the Prestige Plan. This coverage includes hospitalisation, medical treatment, and emergency medical evacuation.

Unlimited coverage means that the insured person does not need to worry about reaching a maximum coverage limit for medical expenses incurred overseas. This benefit is designed to provide financial protection to the insured person in case of unexpected medical emergencies that may cause significant financial losses.

Rainfall Protection

Rainfall Protection: This benefit is a unique offering for Single-Trip Singlife Travel Insurance, which covers travel inconveniences due to heavy rainfall.

Singlife will provide a payout of S$50 and up to a maximum of S$150 if your trip is affected by excessive rainfall greater than 6.4 mm for each full 24-hour period and if more than 50% of your trip duration is affected due to this rainfall level. This benefit can be helpful for travellers visiting destinations prone to heavy rainfall or monsoon seasons.

Comprehensive COVID-19 Coverage

Comprehensive COVID-19 Coverage: Singlife Travel Insurance offers comprehensive coverage for COVID-19-related medical expenses, trip cancellations, trip interruptions, and even provides overseas quarantine allowance.

Singlife provides multiple COVID-19 coverage with varying coverage amounts depending on the plan. This benefit is important for travellers concerned about the risks of COVID-19 while travelling and who want to ensure that they are protected in case of any COVID-19-related incidents.

Convenient Claims Experience Through PayNow

Singlife Travel Insurance offers a convenient and hassle-free claims experience through PayNow. To make a claim, the insured person can simply upload the necessary documents through the Singlife mobile app or website, wait for the assessment, and receive the claim amount directly to their bank account through PayNow.

This provides a quick and easy claims process, which can be especially helpful for travellers who need to file a claim while on the go.

If your claim is successful, you will receive your claim payout via PayNow within 3 business days.

Rental Vehicle Excess and Return Coverage

Rental Vehicle Excess and Return: This coverage protects against excess charges incurred due to loss or damage of the rental vehicle while travelling. Singlife Travel Insurance reimburses the excess amount charged by the rental car company, up to the maximum coverage amount of S$2,500 for its Prestige Plan.

Additionally, this coverage also provides reimbursement for the return of the rental vehicle up to S$500 if the insured person is hospitalised and cannot return the vehicle due to an unforeseen accident, illness, or injury. This benefit can be helpful for travellers who rent cars while travelling.

Travel Assistant

Travel Assistant: Singlife Travel Insurance provides access to a travel assistance hotline that offers various travel-related assistance services, such as emergency medical assistance, travel information and advisories, and lost passport or credit card assistance. The travel assistant is available 24/7 to all policyholders.

For travellers unfamiliar with the destination or who require assistance while travelling, the travel assistant can help provide valuable information about the destination and travel arrangements or assist in the case of an emergency.

Types of Travel Insurance Coverage Provided

COVID-19 Medical Expenses & Trip Cancellations

COVID-19 Medical Expenses & Trip Cancellations: This coverage provides reimbursement of medical expenses incurred due to COVID-19 while travelling, including hospitalisation and outpatient medical expenses.

This coverage is available under all plans, and the maximum coverage amount is up to S$200,000. This coverage also covers trip cancellations or postponements due to COVID-19 before the trip's commencement, and coverage amounts range from S$500 to S$2,000.

Overseas and Local Medical Expenses Coverage

Overseas and Local Medical Expenses Coverage: This coverage offers reimbursement of medical expenses incurred while travelling overseas due to unforeseen accidents or illnesses. This includes hospitalisation expenses, outpatient medical expenses, and diagnostic tests.

The overseas coverage amount ranges from S$250,000 to an unlimited coverage amount, depending on your Plan type. If treatment was not sought overseas during the travel, Singlife covers local medical expenses within five days of return to Singapore. Additionally, Singlife will also cover follow-up medical treatment within 31 days of return to Singapore if initial treatment took place during the trip.

Overseas Medical Evacuation

Overseas Medical Evacuation: This coverage provides emergency medical evacuation to the nearest medical facility or return to Singapore for treatment. This coverage is available for all plan types with varying amounts of coverage.

Overseas and Local Accidental Dental Expenses

Overseas and Local Accidental Dental Expenses: This coverage offers reimbursement of accidental dental expenses incurred while travelling overseas. The maximum coverage amount is up to S$8,000.

Personal Accident Protection

Personal Accident Protection: This coverage provides protection against death, permanent disability, and burns suffered due to an accident. This coverage is available under all plans, and the maximum coverage amount is up to S$500,000.

Personal Liability and Legal Expenses

Personal Liability and Legal Expenses: This coverage protects against legal liability for accidental injury or death to others or damage to their property. This includes legal expenses and compensation payable to the third party. The maximum coverage amount is up to S$2,000,000.

Trip Inconvenience: Cancellations and Disruptions

Trip Cancellation/Disruptions: This coverage provides protection against trip cancellations or disruptions due to unforeseen events such as illness, injury, or death of the insured or their immediate family members, travel companions, or business partners. This includes reimbursement of non-refundable trip expenses such as airfare, accommodation, and tour fees.

Travel Delays

Travel Delays: This coverage provides compensation for travel delays exceeding a specified number of hours due to the airline's or any licensed transport provider's fault. The compensation is payable for every consecutive 6-hour delay. The maximum coverage amount is up to S$2,000.

Personal Baggage Delay

Personal Baggage Delay: This coverage provides compensation for the delay of checked-in baggage exceeding a specified number of hours due to the airline's fault. The compensation is payable for each consecutive 6-hour delay and the maximum coverage amount is up to S$2,000.

Loss/Damaged Personal Baggage or Personal Belongings

Loss/Damaged Personal Baggage or Personal Belongings: This coverage provides reimbursement for the loss or damage to personal baggage or belongings while travelling. The maximum coverage amount is up to S$8,000.

Terrorism Coverage

Terrorism Coverage: This coverage provides protection against acts of terrorism that may result in trip cancellations or disruptions. The maximum coverage amount is up to S$500,0000.

Rental Vehicle Excess and Return

Rental Vehicle Excess Coverage: This coverage offers protection against excess charges incurred due to loss or damage of the rental vehicle while travelling.

This coverage reimburses the excess amount charged by the rental car company up to the maximum coverage amount of S$2,500. Singlife also covers costs for returning a rented vehicle in the event of hospitalisation due to injury or illness.

Optional Add-on Coverages

Winter Sports & Sporting Equipment

Winter Sports Coverage: This optional coverage provides protection for winter sports such as skiing, snowboarding, and snowmobiling and also covers any accidental damage, loss, or theft of sporting equipment used for such activities.

This coverage also includes equipment rental costs if the insured's equipment is lost, stolen, or damaged during the trip.

Adventure Water Sports & Sporting Equipment

Adventure Water Sports Coverage: This optional coverage provides protection for adventure water sports such as diving, water rafting, and kayaking and also covers any accidental damage, loss, or theft of sporting equipment used for such activities.

This coverage also includes equipment rental costs if the insured's equipment is lost, stolen, or damaged during the trip.

Overseas Wedding & Photoshoot

Overseas Wedding & Photoshoot Coverage: This optional coverage provides protection for couples travelling overseas for their wedding or photoshoot.

It covers unexpected costs due to the financial failure of pre-booked licensed wedding service providers as well as loss of ceremonial attire or wedding accessories, marriage certificate, wedding photo album, and personal liability of invited guests.

Golfing & Golfing Equipment

Golfing Holiday Coverage: This coverage provides protection for golfers travelling overseas to play golf.

It covers any accidental damage, loss, or theft of golfing equipment during the trip and equipment rental costs incurred due to the loss or damage of the insured's golfing equipment. Singlife also covers unused green fees due to injury or illness and is accompanied by a doctor's memo.

Policy & Coverage Types Available

Single Trip Policy

Single Trip Policy: This policy provides coverage for a single trip and is suitable for those who travel occasionally. It offers coverage for a range of benefits, including medical expenses, trip cancellations and interruptions, personal accident, and more.

Annual Multi-Trip Policy

Annual Multi-Trip Policy: This policy provides coverage for an unlimited number of trips within a 12-month period, with each trip not exceeding 90 days. It is suitable for those who frequently travel for work or leisure and want to save time and money by not having to purchase a separate policy for each trip.

Family

Family Policy: This policy provides coverage for a family of up to two adults and up to ten children under the age of 18 travelling together. It offers similar coverage benefits as the Individual Policy, with the added benefit of covering the entire family under one policy.

Group

Group Policy: This policy provides coverage for a group of 2 or more individuals travelling together. It offers similar coverage benefits as the Individual Policy, with the added benefit of covering the entire group under one policy, making it easier and more convenient to manage the coverage for everyone.

Singlife Travel Insurance Claims

Contact Singlife As Soon As Possible

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.

Prepare Supporting Documents

Provide relevant information: When making a claim, provide Singlife with all relevant information and documentation, such as your policy number, personal information, details of the incident, and any receipts or proof of loss that support your claim. Be as detailed as possible and provide accurate information to avoid delays in processing your claim.

Submit Claims Form

Submit your claims form with all the necessary supporting documents online or by mail.

Wait For Confirmation

After submitting your claim, Singlife will assess your claim and inform you of the outcome. This may involve further investigation or clarification of the circumstances surrounding the incident.

Frequently Asked Questions

How do I purchase Singlife Travel Insurance?

You can purchase Singlife Travel Insurance through Singsaver. Simply choose the plan that suits your needs, provide your personal and travel details, and make payment online.

Can I cancel my Singlife Travel Insurance policy?

Yes, you can cancel your Singlife Travel Insurance policy. Single-trip policies can only be cancelled by informing Singlife in writing. You may be entitled to a refund but subject to deductions and as long as you cancel it prior to your departure and no pre-travel claims have been made.

For annual multi-trip policies, you can cancel within the free-look period of 14 days from the policy start date. You will be entitled to a full refund of the premium paid, provided that you have not travelled or made any claims.

Can I purchase Singlife travel insurance if I am not a Singaporean resident?

Yes, you can purchase Singlife Travel Insurance if you are not a Singaporean, as long as you are a Singapore resident.

Can I purchase Singlife travel insurance if I have pre-existing medical conditions?

Yes, you can purchase Singlife Travel Insurance if you have pre-existing medical conditions, but the policy will not cover any loss, damage, or liability directly or indirectly arising from any pre-existing medical condition.

It is essential to read the policy wording carefully and understand the coverage exclusions before purchasing the policy.

Can I purchase Singlife Travel Insurance if I have already departed on my trip and need COVID-19 coverage?

No, you cannot purchase Singlife Travel Insurance if you have already departed on your trip. The policy must be purchased before departing from Singapore to be eligible for coverage.

What is the maximum length of coverage for Singlife travel insurance?

The maximum length of coverage for any single trip is 182 days. If you have an annual multi-trip policy, Singlife can cover multiple trips and up to 90 days per trip.

Can I extend my Singlife travel insurance coverage if my trip is extended?

Yes, you can extend your Singlife Travel Insurance coverage if your trip is extended. Please refer to your policy wording for conditions referring to automatic extension of cover.

Can I amend the start date on my travel policy?

No. The existing policy would need to be cancelled and replaced with a new policy.