Travel Insurance

Travel Insurance

Have peace of mind while overseas with coverage against travel inconveniences and medical expenses.

What it covers

Pre-existing medical conditions [1]

We cover your pre-existing medical conditions if you opt for our new Enhanced PreX plans, with better coverage so that you can travel with peace. 

Family cover [2]

We cover you and your family with unlimited number of children insured when you opt for your Family cover.

Travel delays [3]

We cover you for travel delays as long as the delays are not caused by you (natural disasters included).

Trip modifications

We cover you if you cancel, postpone or shorten your trip due to causes specified in the policy.

Medical expenses

We cover your medical expenses including treatment by a Chinese medicine practitioner or a chirpractor if you unexpectedly suffer an injury or sickness during your trip.

Loss of baggage, money and personal items

We provide coverage for the loss, theft and damage of your belongings.

Baggage delays [4]

We provide coverage for your checked-in baggage that has been delayed by any transport operator.

Full coverage information


For standard plans, our Classic plan provides basic travel insurance coverage, while Deluxe and Preferred will offer higher coverage.

You can opt for one of the 3 Enhanced PreX plans [1], which will cover you for your pre-existing medical conditions on top of coverage for all other benefits not relating to pre-existing medical conditions. 

Enhanced PreX Basic plan [1] offers basic coverage for your medical expenses resulting from your pre-existing medical conditions while you are overseas.
For increased coverage, you can opt for Enhanced PreX Superior plan [1] and Enhanced PreX Prestige plan [1] which extends the coverage to trip cancellation, postponing of trip, shortening of trip and trip disruption.

You can enjoy hassle-free activation and instant confirmation of your policy before you travel when you apply through:

  1. Online application
  2. Mobile application
  3. 6788 1222 hotline [5]

If you are a frequent traveller, enjoy coverage for every trip of yours without the hassle of numerous activations by taking up our Yearly plan!

You can call (65) 6338 1222 for assistance in the event of an accident or medical emergency anywhere in the world.

We extend your policy automatically for the first 14 days at no extra charge if you get delayed overseas. [6]

You can enjoy group discounts on your travel insurance when you sign up as a group of six or more.

Receive LinkPoints when you buy or renew Travel Insurance before 31 Dec 2017.

Find out more

Enhance your coverage

Enhanced PreX plans [1] covers your pre-existing medical conditions and is available for all ages, from the young to the old. What's more, you can still enjoy coverage on top of the coverage for all other benefits not relating to pre-existing medical conditions.

You may use the table comparison below to find the plan that is best suited to your individual needs.

  Enhanced PreX Basic Plan Enhanced PreX Superior Plan Enhanced PreX Prestige Plan
Section 1
Cancelling your trip
Section 2
Postponing your trip
Section 3
Shortening your trip
Section 4
Trip disruption
Section 14
Medical Expenses Overseas
Section 16
Treatment by a Chinese medicine practitioner or a chiropractor
Section 17
Overseas hospital allowance
Section 18
Emergency medical evacuation
Section 19
Sending you home
Section 20
Compassionate Visit
Section 21
Emergency phone charges

Before you apply

You must:

  • Be living or working in Singapore
  • Be holding a valid Singapore identification document (NRIC, employment pass, work permit, long-term visit pass or student pass)
  • Be starting and ending your trip in Singapore 
  • Have fully paid for your policy before leaving Singapore
Important Notes


  1. Enhanced PreX Basic plan: We will cover you if you unexpectedly suffer any losses due to your pre-existing medical condition while overseas under Section 14 – Medical expenses overseas, Section 16 – Treatment by a Chinese medicine practitioner or a chiropractor, Section 18 – Emergency medical evacuation, Section 19 – Sending you home and Section 22 – Emergency phone charges.

    For Enhanced PreX Superior and Enhanced PreX Prestige plans, we will cover you if you unexpectedly suffer any losses due to your pre-existing medical condition while in Singapore under Section 1 – Cancelling your trip, Section 2 – Postponing your trip, and while overseas under Section 3 – shortening your trip, Section 4 – Trip disruption, Section 14 – Medical expenses overseas, Section 16 – Treatment by a Chinese medicine practitioner or a chiropractor, Section 17 – Overseas hospital allowance, Section 18 – Emergency medical evacuation, Section 19 – Sending you home, Section 20 – Compassionate visit and Section 22 – Emergency phone charges. 
    You will have to co-pay 50% of your expenses claim due to pre-existing medical conditions under benefits in Section 1- Cancelling your trip, Section 2- Postponing your trip, Section 3 – Shortening your trip, Section 4 – Trip disruption.
     For Enhanced PreX Basic, Superior and Prestige plans, we will not pay the first $100 for each visit of your outpatient medical treatment received overseas as well as overseas outpatient medical treatment by a Chinese medicine practitioner or a chiropractor arising from your pre-existing medical condition. We also do not cover for claims arising from a pre-existing medical condition where you have been given a terminal prognosis with a life expectancy of under 12 months. You can enjoy coverage under Enhanced PreX Basic, Superior and Prestige plans up to a maximum of 30 calendar days in a row while overseas. Please refer to the policy contract for the list of conditions and exclusions specified under these sections.
  2. Family cover provides coverage for 1 or 2 adults who are spouses or partners at the time of purchase and any number of their children who do not need to travel together as long as:
    - Adult(s) is 16 years and above and is the parent or legal guardian of the children
    - Child(ren) is below 21 years old and is the biological or legally adopted child(ren) or ward of the adult named under the policy
    - Adult(s) and child(ren) must be insured under the same policy
  3. We will pay you for travel delay if the public transport you are scheduled to travel in during your trip is delayed for more than six hours in a row and is not caused by you.
  4. We will pay you for baggage delay if your checked-in baggage has been delayed, misdirected or temporarily misplaced by any transport operator for more than six hours in a row.
  5. Our hotline operating hours are from Monday to Friday, 8.30am to 8.30pm.
  6. Your coverage period will be automatically extended at no extra cost for the first 14 days while you are overseas if you are:
    - unable to return before the policy expires due to the delay of the public transport that you are travelling on, and the delay is not caused by you, or,
    - hospitalised or quarantined overseas as advised by a medical practitioner.



There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.

Important notes


This page is for general information only. You can find the usual terms and conditions of this plan in the policy conditions.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income or visit the websites of the General Insurance Association of Singapore (, the Life Insurance Association, Singapore ( or Singapore Deposit Insurance Corporation (


Information is correct as of 21 August 2017

Frequently asked questions

How to apply

Purchase travel insurance anytime through the Income mobile app, available on both iOS App Store and Google Play Store.


For enquiries about travel insurance, please call our hotline:
6788 1222

Speak to your Income adviser, or use our online matching tool to find an adviser who’s right for you.

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