Travel Insurance Coverage for COVID-19
1. What COVID-19 Coverage does Income’s Travel Insurance provide?
From 26 November 2020, travellers can now enjoy the following COVID-19 Coverage for the first 90 days of each trip.
Benefits |
Limit per insured person |
Limit per Family |
Section 14 – Medical expenses overseas |
up to US$100,000^ |
up to US$300,000^ |
Section 18 – Emergency medical evacuation |
up to US$100,000^ |
up to US$300,000^ |
Section 19 – Sending you home |
^The rate of US$1 = S$1.37 as of 09 September 2020 will be used to compute the claim amount in Singapore dollars (S$)
There is no coverage for claims arising from COVID-19 for all other benefits other than those stated above. Please refer to the COVID-19 Coverage conditions for more details.
For single trip plans, the COVID-19 Coverage is included in your policy.
For annual plans, please call 6788 1222, email us or contact your Income advisor and provide us with your policy number and trip details to get a quote to include COVID-19 Coverage for each upcoming trip under your existing annual policy.
2. Are there countries that Income’s Travel Insurance excludes coverage under Medical expense overseas, Emergency Medical Evacuation and Sending you home due to COVID-19?
Yes, COVID-19 high risk countries are countries with high infection rates where such information can be found on World Health Organization (WHO) website. The COVID-19 high risk countries will change every month depending on the infection rates in each country. Please ensure you check the COVID-19 high risk country listing here before purchasing your travel insurance.
Please note that in addition to the above, our Travel policy generally excludes travel in, to or through Afghanistan, Iraq, Liberia, Sudan or Syria.
If you are travelling to multiple countries, we will only provide the COVID-19 Coverage to countries not classified as COVID-19 high risk countries at the point of purchase of the COVID-19 Coverage. The list of COVID-19 high risk countries may vary from time to time as the situation is fluid. However, we will provide coverage for you as long as your destination was not classified as a COVID-19 high risk country at the time of your purchase of the COVID-19 Coverage.
3. Are there any conditions to be eligible for the COVID-19 Coverage?
Yes. The traveller will only be eligible if he/she has undergone a mandatory pre-departure COVID-19 diagnostic test such as COVID-19 Polymerase Chain Reaction (PCR) test within 72 hours before departing for the trip and the test result is negative before the traveller departs from Singapore. The test results need not be submitted at the time of purchase but must be furnished at the time of submitting a COVID-19 Coverage claim.
4. What is not covered under COVID-19 Coverage?
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, are not covered under the COVID-19 Coverage.
5. If my policy was purchased before 26 November 2020, does Income’s Travel Insurance cover COVID-19?
For all travel policies bought from 9am on 4 March 2020 to 25 November 2020
No, there will be no cover for claims due to COVID-19 for all benefits. You can purchase a new policy and submit your request to cancel your existing policy via our online form. Please provide us your new policy number so that we can cancel your existing policy with full refund. Please note that COVID-19 high risk countries are excluded from COVID-19 Coverage. You may refer to Q2 for more information on COVID-19 high-risk countries.
For policies (in the case of single trip plans) bought and trip bookings (in the case of annual plans) made before 9am on 4 March
We will cover the non-refundable portion of your trip cancellation / postponement / shortening / disruption claim after you have sought refund from your transport and accommodation provider if:
You have purchased your policy (in the case of single trip plans) or you have booked your trip (in the case of annual plans): |
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 Mar 2020 |
The rest of the world |
There will be no cover for claims due to COVID-19 for all other benefits.
6. Why are countries classified as COVID-19 high risk countries excluded? (Why can’t they be included but with higher premiums?)
COVID-19 high risk countries are excluded because it is foreseeable that one’s health may be affected by travelling to such countries. As the situation evolves, we may relook our classification of countries again.
If you are travelling to a COVID-19 high risk country, you may still purchase our Travel Insurance without COVID-19 Coverage. Claims related to COVID-19 will not be covered. You will still be covered for other events which are unrelated to COVID-19, for example, Loss of Baggage.
7. What if a country becomes classified as a COVID-19 high risk country after I have purchased my travel insurance / while I am there?
We will provide COVID-19 coverage as long as the country you are travelling to is not classified as a COVID-19 high risk country at the time of your purchase of the COVID-19 Coverage. You may refer to Q2 for more information on COVID-19 high-risk countries.
8. With the inclusion of the new COVID-19 Coverage, will the premiums for your travel insurance increase?
We have factored in the costs of providing the COVID-19 Coverage but at the same time ensured that our premiums and product remain competitive.
9. Can I choose to purchase Income's Travel Insurance without the COVID-19 Coverage? Why not?
The COVID-19 Coverage are automatically included for single trip travel insurance as we want all our customers to be well-protected against the risks involved.
COVID-19 Coverage is not automatically included for annual travel insurance because customers may be unsure about their travel plans as it is uncertain how the pandemic will pan out.
Annual policyholders can call 6788 1222, email us or contact your Income advisor and provide us with your policy number and trip details to get a quote to include the COVID-19 Coverage for their upcoming trip under their existing annual policies.
As the situation evolves, we will review if there is a need to automatically include COVID-19 Coverage for annual travel insurance.
10. Will the COVID-19 Coverage be eligible for travel to any country, or only those with green or fast lane arrangements, periodic commuting arrangement and travel bubbles?
The COVID-19 Coverage is automatically included for single trip travel insurance to all destinations regardless of travel arrangements (i.e. green lanes), except for COVID-19 high risk countries as stated here.
11. 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.