During my recent trip, my parents and I encountered a delayed baggage situation where two of our three luggages were delayed. Since we took Jetstar where we had to purchase our own luggages, we bought a 2 x 20KG to be shared among the 3 of us (each of us had one luggage) and that means two of our luggages are registered under one name. Just so happened that both the delayed luggages were the ones under the same name. The first claim was simple and straightforward, insurer and delayed baggage was the same person (me). However, the second luggage that was also under my name actually belongs to my dad. In situations like that, we are generally at the mercy of insurer whether they are willing to give the benefit of the doubt even though that is the fact. While it took a little longer, NTUC Income granted my second claim without any need for appeals, arguments or whatsoever. The overall claim experience was good and hence I highly recommend NTUC Income travel insurance.