Travel Insurance Coverage for COVID-19
1. What COVID-19 benefits does Income’s Travel Insurance provide?
From 3 December 2021, all per trip and yearly plans will automatically include the following COVID-19 benefits.
For Standard per-trip policies, travellers can enjoy COVID-19 benefits for the first 90 days of each trip.
For Enhanced PreX per-trip policies, travellers can enjoy the COVID-19 benefits for each trip, which is up to a maximum of 30 calendar days in a row.
For Standard yearly plans, travellers can enjoy COVID-19 benefits for multiple trips in a year, however, note that each trip must not last more than 90 calendar days in a row.
For Enhanced PreX yearly plans, travellers can enjoy COVID-19 benefits for multiple trips in a year, however, note that each trip must not last more than 30 calendar days in a row. For more details on this, please refer to Q12.
| COVID-19 Benefits |
Maximum Benefit (S$) for each trip |
|
| Per insured person | Family total1 | |
|
Section 27a – Cancelling your trip due to COVID-19 Overall section limit per event |
2,000 |
6,000 |
|
Section 27b – Postponing your trip due to COVID-19 Overall section limit per event |
2,000 |
6,000 |
|
Section 27c – Shortening your trip due to COVID-19 Overall section limit per event Limit for extra expenses to return to Singapore |
2,000 500 |
6,000 1,500 |
|
Section 27d – Trip disruption due to COVID-19 Overall section limit per event Limit for accommodation expenses per room per night |
1,000 200 |
3,000 200 |
|
Section 27e – Medical expenses overseas due to COVID-19 Overall section limit per event |
150,000 |
450,000 |
|
Section 27f – Emergency medical evacuation and sending you home due to COVID-19 Overall section limit per event |
150,000 |
450,000 |
|
Section 27g – Overseas quarantine allowance due to COVID-19 Overall section limit per event Benefit per day per insured person
|
1,400 100 |
4,200 100 |
1 Family total means the maximum amount we will pay for each benefit section under the family cover during any one trip. Each insured person under the family cover is only allowed the maximum benefit per insured person in the COVID-19 table of cover indicated above.
There is no coverage for claims arising from COVID-19 for all other benefits other than those stated above. Please refer to the policy conditions for more details.
2. Are there countries that Income’s Travel Insurance excludes coverage from under the COVID-19 Coverage Extension?
We do not specifically exclude countries from the COVID-19 Coverage Extension. The only countries excluded from cover in our Travel policy are: Afghanistan, Iraq, Liberia, Sudan and/or Syria.
3. I have previously purchased a per trip policy which does not include the travel inconvenience and overseas quarantine allowance due to COVID-19 benefits. Can I now enjoy the COVID-19 cover with travel inconvenience and overseas quarantine allowance benefits?
If your trip has not started, you may contact us at 6788 1222 to cancel your policy, and we will provide a full refund. You may purchase a new policy which will include COVID-19 benefits for your upcoming trip.
However, we will not provide travel inconveniences coverage for any known events which have occurred before you purchase the new policy. For example, we will not cover for Trip cancellation due to COVID-19 if you have already contracted COVID-19, have COVID-19 symptoms or possible exposure prior to the purchase of your new policy.
4. Are there any conditions to be eligible for the COVID-19 Coverage?
Travellers will be eligible for the COVID-19 Coverage as long as they satisfy all vaccination, pre-departure tests and post-arrival tests requirements imposed by the destination country or transport operator at the time the trip is booked.
The previous criteria where we require travellers to obtain a mandatory pre-departure COVID-19 diagnostic test such as COVID-19 PCR test within 72 hours before departing for the trip with a negative test result is now removed. This change will apply to all overseas travels from 4 October 2021, regardless of when the policies are issued.
5. Are my expenses for COVID-19 diagnostic tests covered under COVID-19 Coverage Extension?
We do not cover for expenses incurred for mandatory COVID-19 diagnostic tests that the traveller is required to take for the trip, such as pre-departure tests and post-arrival tests.
6. Can I choose to purchase Income Travel Insurance without the COVID-19 Coverage Extension? Why not?
The COVID-19 benefits are automatically included for both single trip and annual travel insurance as we want all our customers to be well-protected against the risks of COVID-19.
7. If I am diagnosed with and tested positive for COVID-19 by an approved test provider or a medical practitioner during my trip and must quarantine overseas. What does Income’s COVID-19 coverage cover?
Under Section 27g – Overseas quarantine allowance due to COVID-19, we will provide quarantine allowance of $100 per day, up to a maximum period of 14 days if you are placed under mandatory quarantine in any quarantine facilities designated by the local authorities while overseas. You must provide a written confirmation from the overseas government authorities on the nature and period of quarantine.
Under Section 27d – Trip disruption due to COVID-19, we will pay for the extra economy-class transport or the administrative fees to change your return ticket, and the accommodation of a standard room incurred for you to continue with your original scheduled trip, or extend your trip beyond what was originally scheduled for the duration required in writing by a medical practitioner, the local authorities or airline. Accommodation expenses incurred by you during the period of quarantine, if Section 27g responds, will not be covered.
8. If I am diagnosed with and tested positive for COVID-19 and either hospitalized or quarantined in a quarantine facility overseas, will the automatic extension clause (general conditions clause 2) kick in?
Yes, we will automatically extend your period of insurance for up to 14 days while you are overseas, under this policy at no extra premium if you must stay in hospital or are quarantined in a quarantine facility overseas due to COVID-19 as advised by a medical practitioner or local authorities, and you cannot complete your trip when the policy ends.
9. Will Income's Travel Insurance cover me if my airline or hotel provider has refunded me in the form of credits/vouchers/open tickets which I am unable to use, or do not wish to take up?
No, this is because the airline or hotel has provided a full refund in the form of credits/vouchers/open tickets. We will only cover the non-refundable portion of your claim. If you do not receive any claim payout under your policy, you can choose to cancel your policy and receive a full refund.
10. I purchased an Enhanced PreX yearly plan after 3 December 2021 with the COVID-19 benefits as I will be travelling multiple times in a year. However, one of my upcoming trip is for 35 days (more than the 30 calendar days per trip allowed). What kind of coverage is applicable to me?
For the first 30 days of your trip, you will be covered for your pre-existing medical conditions, COVID-19 benefits and other benefits as per the normal terms and conditions.
From day 31 to day 35 of your trip, there is no coverage for you at all under the Enhanced PreX yearly plan.
If you require coverage for the entire 35 days, including coverage for pre-existing medical conditions for first 30 days, you will need to purchase 2 per-trip policies to cover you from day 1 to 35.
Policy 1 for day 1 to 30 (Enhanced PreX per trip plan): Provides pre-existing medical conditions cover, COVID-19 benefits and other benefits as per the policy terms and conditions.
Policy 2 for day 31 to 35 (Standard per trip plan): Covers you for COVID-19 benefits and other benefits listed in the policy terms and conditions. There will be no cover for pre-existing medical conditions.
11. What are the claim documents required for Section 27d – Trip disruption due to COVID-19?
To file a claim under this section, we require the following supporting documents:
- COVID-19 positive test result by an approved test provider or a medical practitioner
- A written confirmation from the overseas government authorities on the nature and period of quarantine
- Negative test result by an approved test provider or a medical practitioner
- Invoice/receipt of the extra expenses incurred (i.e., accommodation & transport)
- Written refundable or non-refundable confirmation from the service provider for the unused prepaid accommodation and transport expenses
Please note that this list of documents is not exhaustive. Other documents may be requested if necessary.
12. If I test positive for COVID-19 and cannot return to Singapore on my scheduled departure date, will my policy be automatically extended? What about my travelling companion who tests negative for COVID-19?
Under general conditions clause 2 (Automatically extending cover), your policy will automatically be extended for up to a maximum of 14 days if the following criteria are met:
a) you are diagnosed with and tested positive for COVID-19 by an approved test provider or a medical practitioner while overseas; and
b) COVID-19 benefits in Section 27a to 27g apply to you; and
c) you have to stay in hospital or are quarantined overseas in a quarantine facility as advised by a medical practitioner or local authorities; and
d) you cannot complete your trip when the policy ends.
If you do not meet any of the criteria above, your policy will not be automatically extended and you will need to pay additional premium to extend your trip beyond what was originally scheduled.
If your travelling companion tests negative for COVID-19 and decides to stay behind with you, they will need to pay additional premium to extend their trip beyond what was originally scheduled.
13. If I am diagnosed with COVID-19 upon my return to Singapore, will I be covered?
No.
14. If my travelling companion is diagnosed with COVID-19, but I am not, what can I claim?
You may file a claim for the following sections, whichever is applicable:
- Section 27a Cancelling your trip due to COVID-19
- Section 27b Postponing your trip due to COVID-19
- Section 27c Shortening your trip due to COVID-19
- Section 27d Trip disruption due to COVID-19
Policy terms and conditions will apply.
15. If I am diagnosed with COVID-19 and need medical assistance while overseas, who can I reach out to?
You can call our 24/7 Medical Emergency Hotline at (65) 6338 1222 for assistance.
16. If I am diagnosed with and tested positive for COVID-19 by an approved test provider or a medical practitioner during my trip but are not placed under mandatory quarantine in a quarantine facility designated by the local authorities, can I claim for quarantine allowance?
No, Section 27g – Overseas quarantine allowance is only payable if you are placed under mandatory quarantine in a quarantine facility designated by the local authorities while overseas. You must provide a written confirmation from the overseas government authorities on the nature and period of quarantine.
17. If I have not completed the full vaccination regime for COVID-19 or are not vaccinated, am I eligible for our COVID-19 coverage?
We will rely fully on you fulfilling the requirements of the destination country. You will be eligible for the COVID-19 coverage as long as you fulfil all vaccination, pre-departure tests and post-arrival tests requirements (if any) imposed by the destination country or transport operator at the time the trip is booked.
You need not submit the test result or proof of vaccination at the time of purchase but if this is required by the destination country or transport operator, you must furnish it when submitting a COVID-19 benefit claim. For avoidance of doubt, you are not required to furnish the test result or proof of vaccination if this is not mandated by the destination country or transport operator.
18. Will I be covered if I am diagnosed with COVID-19 prior to my trip?
If you have purchased your policy three days (or earlier) from the day you leave Singapore, we will respond to claim arising from COVID-19 for benefits stated below, whichever is applicable:
- Section 27a Cancelling your trip due to COVID-19
- Section 27b Postponing your trip due to COVID-19
19. If I am diagnosed with and tested positive for COVID-19 by an approved test provider or a medical practitioner during my trip and there is no self-isolation requirement (example: England) but I am not allowed to return to Singapore, will I still be covered under Section 27d – Trip disruption due to COVID-19?
Yes. Under Section 27d – Trip disruption due to COVID-19, we will pay for expenses for extra economy-class transport (air, sea or land travel) or the administrative fees to change your ticket, and the accommodation of a standard room for you to continue with your original scheduled trip, or extend your trip beyond what was originally scheduled for the duration required in writing by a medical practitioner, the local authorities or airline.
You must provide documentation from a medical practitioner, local authorities, or the airline to show that you are forced to change your original itinerary as a result of COVID-19.
20. If I am diagnosed with and tested positive for COVID-19 by an approved test provider or a medical practitioner during my trip and am denied boarding by the airline, will my policy be automatically extended?
No, your policy will not be automatically extended.
However, you can extend your policy via Travel Insurance online endorsement portal and pay additional premium to extend your trip beyond what was originally scheduled. Please note that we will not pay for any claims arising from known events.
