Travel Insurance Coverage For COVID-19
1. Will Income’s Travel Insurance cover me for COVID-19 if I purchase today?
No, COVID-19 is currently considered a known event from 9am on 4 March 2020 and there will be no coverage for any claims arising from COVID-19 if you activate your travel insurance now for trips to anywhere in the world because it is foreseeable that one’s health or trip would be affected by the COVID-19 situation.
Even though the Singapore government is now opening up our borders and starting to allow general travel to certain countries (i.e. Brunei and New Zealand with effect from 1 September 2020), any claims arising from COVID-19 are still not covered if you travel to these countries.
2. Will Income’s Travel Insurance cover me for medical expenses incurred due to contracting COVID-19 if I purchased my policy before the cut-off date of 4 March 2020 and my trip is permitted under the Singapore government’s advisory e.g. general travel to New Zealand?
Yes. However, the Singapore government has advised everyone to defer all other forms of travel. If you wish to travel against the government’s advice, there will be no coverage for any claims arising from COVID-19. As the situation is fluid, please keep yourself informed regarding COVID-19 updates on general travel from the local news media.
3. Will Income’s Travel Insurance cover me for trip cancellation / postponement / shortening / disruption due to COVID-19?
For policies bought after 9am on 4 March, there will be no cover for claims due to COVID-19.
For policies bought before 9am on 4 March, , we will cover the non-refundable portion of your claim, after you have sought refund from your transport and accommodation provider if:
|You have purchased your policy:||For trips starting:||For travel to:|
|Before 8pm on 20 Jan 2020||From 20 Jan 2020||Wuhan|
|Before 7pm on 27 Jan 2020||From 27 Jan 2020||Rest of Mainland China|
|Before 6pm on 23 Feb 2020||From 23 Feb 2020||Daegu and Cheongdo in South Korea|
|Before 9am on 4 Mar 2020||From 4 Mar 2020||The rest of South Korea, Japan, Iran and Northern Italy|
|Before 9am on 4 Mar 2020||From 12 March 2020||The rest of the world|
Apart from trips permitted under the Singapore government’s advisory, everyone has been advised to defer all other forms ofoverseas travel. If you wish to continue with your trip, we will not cover any claims resulting from COVID-19, including medical expenses, medical evacuation and repatriation. However, you will still be covered for claims resulting from other causes, e.g. accidents or other illnesses.
4. 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.