1Applicable to Classic, Deluxe and Preferred yearly plans purchased from 16 June 2022 to 31 July 2022. Enhanced PreX plans are excluded.

Note that we do not cover travel inconveniences due to border closures, government advisories, or your disinclination to travel. Please refer to our COVID-19 Travel FAQs for full coverage and exclusions.

Other promotion terms and conditions apply.

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^Prices stated are inclusive of 7% GST. This arrangement is not in conjunction with any other ongoing promotions, packages or privileges, and not applicable with other corporate programmes provided by RMG. Unutilised purchase will not be refunded or discounted. Listed services and terms are subject to changes without prior notice. Income and its service provider, Raffles Medical Group, may refuse to offer you the pre-departure COVID-19 test at the stated rates if you have not purchased any Income Travel Insurance Standard Plan (Single Trip).

#Test results will be available within 12-24 hours after test.

1. Yearly Travel Insurance Plan (this "Promotion")

a. Income is offering 10% discount on premiums (the “Discount”) for Income’s Travel Insurance Classic Yearly plan, Deluxe Yearly plan or Preferred Yearly plan (collectively the “Yearly Plan Qualifying Policies”) to applicants who successfully purchase any of the Yearly Plan Qualifying Policies (“Policyholder”) starting from 16 June 2022 - 31 July 2022 via:

          i. Income website online at https://insurance.income.com.sg/travel-insurance or

          ii. Income Mobile App (Orange Travel); or

          iiii. Income advisers; or

          iv. Any Income branches; or

          v. The Travel product hotline 6788 1222

b. All other promotions and discounts will not be applicable for the Yearly Plan Qualifying Policies. Travel Renewal Bonus awarded to policies before this Promotion will not be transferrable to the new Yearly Plan Qualifying Policies purchased during this Promotion.

c. This promotion is not applicable to all of Income’s Travel Insurance per-trip plans (inclusive of Income’s Enhanced PreX per-trip plans), Income’s Enhanced PreX yearly plans and Income’s TravelBliss per trip and yearly plan.

d. An administrative charge of $21.40 (inclusive of 7% GST) will apply to any endorsement made to any Yearly Qualifying Policies issued under this Promotion. This administrative charge is in addition to any extra premiums which you will have to pay for making changes to the Yearly Qualifying Policies such as adding a new insured person. The Discount on premiums payable will also no longer apply as a result of any endorsement to any Yearly Qualifying Policies issued under this Promotion and the extra premiums.

e. An administrative charge of $21.40 (inclusive of 7% GST) will apply for Yearly Plan Qualifying Policies which are cancelled before the start date of the policy. This administrative charge includes the prevailing administrative charge stated in the policy conditions for cancellation of policy. For Yearly Plan Qualifying Policies which are cancelled within 180 days after the start date of the policy, the premium refund will be worked out as follows:

Period of insurance (in days) still left to run/Original period of insurance of the policy  X  85% of the premium paid

There is no premium refund for Yearly Plan Qualifying Policies which are cancelled more than 180 days after the start date of the policy or once a claim has been made, whichever comes first.

f. This Promotion is only applicable to Singaporeans, Permanent Residents of Singapore and holders of a valid Singapore employment pass, work permit pass, long term visit pass and student pass.

g. Income reserves the right to change the terms and conditions of this Promotion without any prior notice.

2. Yearly Travel Insurance Plan Pre-Departure COVID-19 Test Promotion (this "COVID-19 Test Promotion")

a. In collaboration with Raffles Medical, Income is offering pre-departure COVID-19 testing to Income’s Travel Insurance Classic yearly plan, Deluxe yearly plan or Preferred yearly plan (collectively the “Yearly Qualifying Policies”) applicants who successfully purchase any of the Yealry Qualifying Policies (“Policyholder”) from 16 June 2022 - 31 July 2022 (inclusive of both dates) (“Promotion Period”) via:

            i. Income website online at https://insurance.income.com.sg/travel-insurance; or

            ii. Income advisers; or

            iii. Any Income branches; or

            iv. The Travel product hotline 6788 1222

b. Policyholders and insureds will be entitled to the following rates for their pre-departure COVID-19 tests, purchasable via a dedicated link in an email sent by Income. COVID-19 PCR test at $112 and Home-based Pre-departure COVID-19 PCR test (Non-express) at $158. All prices stated are inclusive of 7% GST.

c. The stated COVID-19 pre-departure test rates cannot be used in conjunction with any other ongoing promotions, packages or privileges, and is not applicable with other corporate programmes provided by Raffles Medical Group. Unutilised purchase will not be refunded or discounted. Listed services and terms are subject to changes without prior notice.

d. Policyholders and insureds shall keep the Raffles Medical Group weblink strictly confidential, and shall not share or disclose the same to third parties.

e. This COVID-19 Test Promotion is only applicable to Singaporeans, Permanent Residents of Singapore and holders of a valid Singapore employment pass, work permit pass, long term visit pass and student pass.

f. Income reserves the right to change the terms and conditions of this COVID-19 Test Promotion without any prior notice.

g. Income shall not be liable for any claims and disputes arising between Raffles Medical Group and Income’s Policyholders.

IMPORTANT NOTES

You can find the usual terms and conditions of the travel insurance plans at www.income.com.sg/travel-policy-conditions.

These policies are 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 GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)

Information is correct as of 16 June 2022.

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