Income Travel Insurance
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Summary
Income Travel Insurance Review
Here're some benefits offered under Income's travel insurance plan:
- Personal accidents
- Overseas medical expenses
- Flight delays or trip cancellations
- Loss/damage of baggage and personal belongings
- Baggage delays
- Losing money or theft of personal belongings
- Losing travel documents
- Rental vehicle excess cover
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Summary
Income Travel Insurance Review
Here're some benefits offered under Income's travel insurance plan:
- Personal accidents
- Overseas medical expenses
- Flight delays or trip cancellations
- Loss/damage of baggage and personal belongings
- Baggage delays
- Losing money or theft of personal belongings
- Losing travel documents
- Rental vehicle excess cover
Plans (3)
Income Travel Classic Plan
$24
PER ADULT (THAILAND, 1 WK)
$250,000
MEDICAL COVERAGE (OVERSEAS)
$5,000
TRIP CANCELLATION
$3,000
LOSS OR DAMAGE OF BAGGAGE
4.5
534 Reviews
Service Rating
Claim Duration
Customer Support
Ease of Purchase
Ease of Claim
Most Helpful
Posted 09 Aug 2023
Purchased
Income Travel Preferred Plan
I bought ferry tickets in advance between North and South island of NZ. However, when I encountered ferry cancellation due to mechanocal failures and I tried to make a claim, they kept asking the same supporting information again and again going no where. My case is supposed to be a straight forward claim as the case is claimable under section 6 for "misconnection" with condition of "confirm reservation". Eventhough they promised in the email in black and white to get back to me in 10 business days after I sent them the information they requested, more than one month has passed but still heard nothing from them. Worse still, their sales department keep sending me emails and called me to renew my annual travel insurance plan. What a lousy, disappointing and painful experience!!! [Claims Process]0
What are your thoughts?Posted 26 May 2023
Purchased
Income Travel Deluxe Plan
I bought the annual plan, did claim once. But please read T&C again, it seems like if you have the same illness, you might not claim the 2nd time. I did not renew the plan after ended.0
What are your thoughts?Posted 27 Apr 2023
Purchased
Income Travel Preferred Plan
We got this travel insurance about 4 - 5 years ago, and we had to use it twice. Once regarding medical, another regarding theft. While the money was eventually claimed, the claims process was not easy to manage, not very well suited for a long overseas duration. (We're talking over months) If you are buying it for a short holiday, it's still good, but don't expect miracles if you need a longer term solution. 1. Attempts to email and get a resolution quickly did not succeed, and we had to call, racking up a lot of phone bills in the process. 2. Considering the challenges of translation amongst others, we did not expect the insurer to provide additional services, but we do expect them to keep the case on tabs and follow up promptly. The fact that we needed to email them back and forth and that there was not much communication otherwise did not ease things. 3. Only thing good about it was that the insurance was easy to purchase. The rating was made considering that we spent a lot on this plan. While NTUC did good for most insurances, this one unfortunately disappointed considering different factors. We might consider getting it again for a shorter holiday, but we will be more discerning if there is a longer term commitment.1
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Posted 10 Apr 2023
Purchased
Income Travel Deluxe Plan
I would recommend Income Travel Insurance, I went for trip to Korea last winter, and had some skin infection after coming back, seek for General Practitioner to help with my condition and submitted my claim after that. Though it takes a month to be reviewed and approved, at least I didn't face any difficulties on submitting the claim. Overall, it was better than other company I have bought before.1
What are your thoughts?I wonder if we can go to dermatologist though and get the claim approved.
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Posted 15 Mar 2023
Purchased
Income Travel Classic Plan
I have made NTUC annual travel insurance claim on 14 jan on behalf of my child. I own the policy as my child is a minor. There was no update on outcome of claims until I send a chaser email on 6 March. I receive a reply on 8 March claiming that an email for settlement has been send on 25 Feb(not my email) and amount has been credited to my account within a week from the date of that letter. I replied on 9 May and state that the bank account number that NTUC income has debited into is not my account number. It is also not my child’s account. I have checked my claim form and it is indeed not the bank account number that I have written in that claim form. I have also followed up with a call to customer service. I have requested for someone to call me. Till this day, I have receive no email, no call from ntuc income travel insurance. Absolutely nothing. The amount is not big. It is only $40. And NTUC income is taking such a long time to process a simple claim and even then, money goes to wrong account, and no reply to customer considering customer had send an email and followed up with a call. This is my second claim with NTUC travel insurance. My child had a luggage delay in Dec and it is a straight forward case. However it took such a long time for NTUC income insurance to process the claim. I had made another travel insurance claim with another company and I have to say, the processing was efficient and satisfactory. I hope NTUC income can have someone contact me and give me an explanation on outcome of this missing claim.1
What are your thoughts?Wow, they can credit to wrong account number?
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Posted 15 Mar 2023
Purchased
Income Travel Classic Plan
Be warned that under the "Trip Disruption" section, NTUC Income travel insurance does NOT reimburse accommodations, airfare and tours that you have already paid and these costs are not refundable. My family and I could not travel from Seoul to Jeju in Sept. 2022 due to the super typhoon. The costs of our flights to and from Jeju, car rental and accommodations were rejected! This is ridiculous as it defeats the purpose of buying travel insurance! We chose to stay on in Seoul as our Jeju trip was only 3days and it did not make sense to go there after the typhoon blew over.1
What are your thoughts?What is their reason?
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Posted 13 Mar 2023
Purchased
Income Travel Classic Plan
good product quite value for money.. easy to purchase overall recommended. Customer service is good and nice0
What are your thoughts?Posted 18 Aug 2022
Purchased
Income Travel Deluxe Plan
Purchase Process is really easy. Just got to the website and all the options are there. Select what you need and just pay. All the documents will be sent to the email given. I was unfortunate to have to go to the emergency services on my trip. When I got home, I just submitted the bill and the diagnosis and within 2 weeks I was reimbursed without any fuss. Very easy!0
What are your thoughts?Posted 04 Jul 2022
Purchased
Income Travel Classic Plan
NTUC used to be fast to apply and now their customer services and process is not what it used to be.0
What are your thoughts?Posted 22 May 2022
Purchased
Income Travel Classic Plan
I submitted my travel claim recently and it took more than a week for them to let me know that they needed more documents. I mean, there's a chance I won't be able to secure such documents after so long! it's frustrating. also there's no name or number to the email and so to contact them I will have to go through a troublesome experience of writing in to some generic email. sigh0
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Enjoy Extensive Coverage for your travels
- Protect against common travel inconveniences such as damage to personal belongings, personal accident, medical expenses while overseas and travel delays[1] that are not caused by you.
- Choose between yearly and single-trip plans for yourself or for your family.
- Opt for Family cover[2] if you are travelling with your spouse/partner and children.
- Enjoy the convenience of instant confirmation by applying online or calling us.
- Renew your existing yearly plan[4] to enjoy additional limits on selected benefits.
- Enjoy comprehensive COVID-19 coverage .
What does Income Travel Insurance Cover?
Income Travel Insurance provides a plethora of options for you to obtain coverage from damages to your items to medical expenses.
Here're some benefits offered under Income's travel insurance plan:
- Personal accidents
- Overseas medical expenses
- Flight delays or trip cancellations
- Loss/damage of baggage and personal belongings
- Baggage delays
- Losing money or theft of personal belongings
- Losing travel documents
- Rental vehicle excess cover
Travel Insurance comes in 2 forms: Standard and Enhanced PreX (which covers for any pre-existing medical conditions). Under Standard, there are three further plans to choose from: Classic, Deluxe and Preferred. Here are what to look out for when choosing your travel insurance.
Here is a table indicating the level of coverage for each plan as well as the price of each insurance for travellers.
Here's a quick summary of the Standard Plan.
Location (Cost/Week) | Plan Type: Classic | Plan Type: Deluxe | Plan Type: Preferred |
|---|---|---|---|
ASEAN Region | $38 | $52 | $75 |
Asia | $47 | $65 | $99 |
Worldwide | $79 | $98 | $137 |
Income Travel Insurance - Standard Plan(Cost)
What You'll Get | Plan Type: Classic | Plan Type: Deluxe | Plan Type: Preferred |
|---|---|---|---|
Overseas Medical Expenses (Adult > 70 Years Old) | $250,000 | $300,000 | $350,000 |
Overseas Medical Expenses (Adult < 70 Years Old) | $250,000 | $500,000 | $1,000,000 |
Overseas Medical Expenses (Child) | $150,000 | $200,000 | $300,000 |
Emergency Medical Evacuation | $500,000 | Unlimited | Unlimited |
Baggage Delay ($200 Every 6 Hours) | $1,000 | $1,200 | $2,000 |
Baggage Loss/Damage | $3,000 | $5,000 | $8,000 |
Death or Permanent Disability Caused By Overseas Accident (Per Pax) | $150,000 | $200,000 | $500,000 |
Income Travel Insurance - Standard Plan
Now, let us take a look at the Enhanced PreX Plan that gets you insured even with pre-existing medical conditions. Under this, you'll find three further plans: Basic, Superior and Prestige.
Location (Cost/Week) | Plan Type: Basic | Plan Type: Superior | Plan Type: Prestige |
|---|---|---|---|
ASEAN Region | $81 | $107 | $128 |
Asia | $100 | $135 | $162 |
Worldwide | $138 | $184 | $221 |
Income Travel Insurance - Enhanced PreX Plan(Cost)
What You'll Get | Plan Type: Basic | Plan Type: Superior | Plan Type: Prestige |
|---|---|---|---|
Overseas Medical Expenses (Adult > 70 Years Old) | $300,000 | $300,000 | $350,000 |
Overseas Medical Expenses (Adult < 70 Years Old) | $500,000 | $500,000 | $1,000,000 |
Overseas Medical Expenses (Child) | $200,000 | $200,000 | $300,000 |
Emergency Medical Evacuation Due To Pre-Existing Condition | $150,000 | $150,000 | $300,000 |
All Other Emergency Medical Evacuation | Unlimited | Unlimited | Unlimited |
Claim For Trip Disruption Caused By Pre-Existing Medical Condition | No | Yes | Yes |
Claim for Overseas Hospital Allowance | No | Yes | Yes |
Baggage Delay ($200 Every 6 Hours) | $1,200 | $1,200 | $2,000 |
Baggage Loss/Damage | $5,000 | $5,000 | $8,000 |
Death or Permanent Disability Caused By Overseas Accident (Per Pax) | $200,000 | $200,000 | $500,000 |
Income Travel Insurance - Enhanced PreX Plan
Does Income Offer Family Travel Insurance Plans?
If you are planning to travel with your family, Income offers a family package which includes coverage for 1 or 2 adults - and any number of children as long as each child is below the age of 21.
Enhanced PreX Plan should be considered if you have pre-existing medical conditions as you would not be able to make a claim if you have pre-existing medical conditions with the Standard Plan.
In Cases Of Trip Cancellation
Income travel insurance can provide coverage in the event that your holiday is cancelled due to unforeseen circumstances like death, serious sickness or pandemic in the place you are travelling to.
Furthermore, you are able to get coverage from trip cancellation due to pre-existing medical conditions when you opt for Enhanced PreX Superior or Enhanced PreX Prestige Plans.
Additional Things To Know About Income Travel Insurance
- The Income Travel Insurance emergency hotline is +65 6338 1222
- Traveller insurance will automatically extend for the first 14 days if there is a delay with the transport back to Singapore or if you are hospitalised overseas
- You must be living or working in Singapore and hold a valid NRIC, employment pass, work permit, long-term visit pass or student pass to be eligible for this travel insurance plan
- You have to make your claims within 30 days of the insured incident through their online travel claim portal
- Income Travel Insurance has a 24/7 medical emergency hotline for any accident or medical emergency anywhere in the world.
- They extend the traveller's policy automatically for the first 14 days at no extra charge should one get delayed abroad.
- Lastly, one can apply for a policy online, through their mobile application or their hotline, for the convenience of consumers.
Contact Income
- Main Office: +65 6788 1222 (Mon to Fri, 8:30am to 6:30pm; Sat, Sun & Public Holidays: Closed
- Address: Various branches including Income Centre, 75 Bras Basah Rd, Singapore 189557
About Income Travel Insurance
Established in 1970, Income is an insurance cooperative company that provides life, health and general insurance products.
Income served over 2 million customers as the top composite insurer in Singapore providing an array of selection ranging from health to motor insurance.
They have a strong team of financial advisers and partners to provide value-added financial advisory that complements today’s digital-first landscape to serve the needs of customers across all segments of society.
Contact us at [email protected] should you require any assistance or spot any inaccuracies.
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Thanks for sharing.