Does My Insurance Plan Cover Me For COVID-19?
Here's a summary of our plans. See how you are protected but do note that the summary is not exhaustive. Please refer to your policy contract for the precise terms, conditions and exclusions. Reach out to your Income advisor or contact us for assistance.
Information presented is correct as of 2 December 2020.
Will my health insurance cover me for COVID-19?
Income Plan | COVID-19 Coverage^ | ||
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IncomeShield and IncomeShield Riders Examples:
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Covers under hospitalisation benefits (where applicable for the plans/riders). Note:
To support Singapore’s COVID-19 vaccination programme, our IncomeShield plans will cover hospitalisation due to COVID-19 vaccination, if it becomes necessary. The COVID-19 vaccination needs to be approved by the Health Sciences Authority (HSA) and administered in Singapore. |
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ElderShield and Supplements. Examples: |
Covers under severe disability benefits (where applicable for the plans/riders). | ||
Hospital Care Insurance |
Covers daily cash payout for hospitalisation and ICU stay and reimbursements for Day surgery and Ambulance expenses. Note:
Policy conditions here for reference. |
Will my life insurance cover me for COVID-19?
Income Plan | COVID-19 Coverage^ | ||
---|---|---|---|
Whole & term life insurance plans, savings plans and investment-linked plans Examples: |
Covers death, terminal illness (TI) and total and permanent disability benefits (where applicable for the plans/riders). |
Will my critical illness insurance cover me for COVID-19?
Income Plan | COVID-19 Coverage^ | ||
---|---|---|---|
Advanced Assure Accelerator rider Available with Star Assure |
Covers under Major Impact Benefit if required to stay in ICU for total 5 days or more in one hospital admission as a result of surgery or infection due to COVID-19. | ||
Dread diseases and cancer related plans/riders. Examples:
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Not covered under dread diseases and cancer benefits. However, there may be cover under dread diseases for complications of COVID-19 under end stage lung disease provided the diagnosis meets the definitions and criteria in the policy contract. |
Will my personal accident insurance cover me for COVID-19?
Income Plan | COVID-19 Coverage^ | ||
---|---|---|---|
PA Assurance (with Infectious Disease Cover add-on) i50 insurance PA Secure |
Covers the following due to COVID-19 only:
Note:
More information on the COVID-19 benefit extensions can be found here. PA Assurance policy conditions here, i50 Insurance policy conditions here and PA Secure policy conditions here for reference. |
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Other Personal Accident plans Examples:
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Not covered under these plans. |
Will my travel insurance cover me for COVID-19?
Income Plan | COVID-19 Coverage^ | ||
---|---|---|---|
Travel Insurance | Per-Trip Policies: For policies purchased from 26 Nov 2020, COVID-19 Coverage is now included for the first 90 days of your trip, more info here. The following COVID-19 high risk countries are excluded from COVID-19 Coverage: Albania, Andorra, Argentina, Armenia, Austria, Belgium, Belize, Bosnia and Herzegovina, Bulgaria, Colombia, Costa Rica, Croatia, Curaçao, Czech Republic, Denmark, France, French Polynesia, Georgia, Germany, Gibraltar, Greece, Guam, Hungary, Italy, Jordan, Kosovo, Kuwait, Latvia, Lebanon, Liechtenstein, Lithuania, Luxembourg, Malta, Martinique, Mayotte, Monaco, Montenegro, Netherlands, North Macedonia, Panama, Poland, Portugal, Puerto Rico, Republic of Moldova, Romania, Russian Federation, Saint Barthélemy, Saint Martin, San Marino, Serbia, Sint Maarten, Slovakia, Slovenia, Spain, Sweden, Switzerland, UK, Ukraine, USA Note that this list is subject to change monthly depending on the infection rates in each country provided by the WHO. Yearly Policies: Yearly policies do not include COVID-19 Coverage. To get a quote to add on COVID-19 Coverage for a particular trip under your yearly policy, please call 6788 1222, write to us or contact your Income advisor and provide us with your policy number and trip details. Please note that COVID-19 high risk countries are excluded from COVID-19 Coverage. More info here. |
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Overseas Student Protection Plan | From 18 March 2020, there will be no coverage for any claims arising from COVID-19, including Hospital and surgical expenses, Emergency medical evacuation and Sending you home. However, you will still continue to be covered for claims resulting from other causes, e.g. accidents or other illnesses (if optional benefits are taken up). If you wish to include the COVID-19 Coverage for your Overseas Study Protection Plan, please contact our customer care team at 6788 1111 or email us at telesales@income.com.sg Policy conditions here for reference. |
^Please refer to your policy’s full policy terms and conditions for the full details of the plans, benefits and limits on the coverage.
Important Notes:
This article is meant purely for informational purposes and should not be relied upon as financial advice. The precise terms, conditions and exclusions of any Income products mentioned are specified in their respective policy contracts. For customised advice to suit your specific needs, consult an Income insurance advisor.
This advertisement has not been reviewed by the Monetary Authority of Singapore.