What's the most cost effective travel insurance provider?

Here's the most Cost Effective LOBANG for December, because it's FREE! How more cost-effective can you get ;)

Note: This “Free” travel insurance will cover you for multiple trips. Your coverage will start from 1 December 2019 or date of application (whichever is later) up till 15 January 2020, of which the cover will automatically terminate thereafter.

See terms and conditions here: http://www.aia.com.sg/en/travelawesome.html?age...

Depends on your travelling needs. For examle, because I use rental car often, NTUC income is quite value for money. Insurers such as FWD and AXA while are cheaper, they only give rental car in their most expensive package which then makes NTUC income worth it