Travel Insurance

Travel Insurance

Coverage for travel inconveniences, loss of money and personal belongings, and various medical expenses during your trip.

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What it covers

Pre-existing medical conditions while overseas [1]

We provide coverage for your pre-existing medical conditions while overseas if you opt for our Enhanced PreX plan [2].

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 incurred 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


Our Classic plan provides basic travel insurance coverage while our Deluxe and Enhanced PreX plan will offer higher coverage.

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.

Enhance your coverage

You can even get cover for the following benefits if you suffer losses due to a pre-existing medical condition when you take on our Enhanced PreX plan[2]:

  • Section 14 – Medical expenses overseas
  • Section 18 – Emergency medical evacuation
  • Section 19 – Sending you home
  • Section 23 – 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 for return-trip covers, or starting in Singapore and ending in the overseas destination when the policy ends for one-way trip covers
  • Have fully paid for your policy before leaving Singapore
Important Notes


  1. You can enjoy coverage under the Enhanced PreX plan up to a maximum of 30 calendar days in a row while overseas.
  2. We will cover you if you unexpectedly suffer any losses due to your pre-existing medical condition under Section 14 – Medical expenses overseas, Section 18 – Emergency medical evacuation, Section 19 – Sending you home and Section 23 – Emergency phone charges. Please refer to the policy contract for the list of the conditions and exclusions specified under these sections. We will not pay the first $100 for each visit for your outpatient medical treatment and also 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.
  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 NTUC 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 06 October 2015

Frequently asked questions

How to apply

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


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

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