With FlexiTravel Hourly[1] Insurance, it’s always Happy Hour in Malaysia, Bintan and Batam!
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Enjoy the flexibility to shorten your trip coverage if you return to Singapore early.[2]
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Stay covered against medical expenses incurred overseas due to COVID-19, food poisoning, accidental injury and more.
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Coverage for loss of baggage and personal belongings due to robbery and snatch theft, and unauthorised charges made to your bank card while you are overseas.
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Coverage for accidental loss of passport, driver’s license and travel documents while you are overseas.
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Reimbursement for your unused entertainment tickets purchased for your trip.[3]
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Enjoy instant and easy activation via My Income App.
FlexiTravel Hourly Insurance
Watch how you can stay protected with our FlexiTravel Hourly Insurance.A summary of our key benefits:
Benefits |
Maximum benefit (S$) limit per insured person |
|
---|---|---|
Personal Accident & Medical Expenses Benefits |
Personal accident |
50,000 |
Medical expenses overseas |
50,000 |
|
Travel Inconvenience Benefits |
Losing passport, driver's license, and travel documents |
3,000 |
Loss or damage of baggage and personal belongings |
1,500 |
|
Fraudulent use of bank card |
1,000 |
|
Unused entertainment ticket |
200 |
|
Relief for additional transport expenses due to snatch theft, robbery or road accident |
50 |
|
Golfer’s cover
|
|
|
COVID-19 Benefits4 |
Medical expenses overseas due to COVID-19 |
150,000 |
Emergency medical evacuation and sending you home due to COVID-19 |
150,000 |

Your policy toolkit.
Eligibility
You must:
- Be living or working in Singapore
- Be holding a valid Singapore identification document such as a NRIC, employment pass, work permit, long-term visit pass or student pass
- Be starting and ending your trip in Singapore
- Have bought your policy before leaving Singapore
- Have fully paid your premium
- Be more than 30 days old
Policy conditions
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Footnotes
- Premiums will be charged on an hourly basis subject to a minimum premium payable that is equivalent to 6 hours of coverage.
- You must sign up for the coverage prior to leaving Singapore and end your coverage upon arrival in Singapore through My Income app.
- We will only pay for the unused entertainment ticket expenses if you are prevented from using it due to reasons like serious sickness or serious injury resulting in your hospitalisation, if it happens on the day of the entertainment event or on the date of expiry of the entertainment ticket, whichever is later. Please refer to Section 7 of the policy terms and conditions for more details.
- There will not be any cover for claims directly or indirectly caused by or arising from COVID-19 for benefits other than the COVID-19 benefits stated in the table above.
Exclusions
There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.
Important Notes
This is for general information only. You can find the usual terms and conditions of this plan in the policy conditions.
This policy is 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).
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Terms and Conditions for complimentary coverage for 1st trip
1. FlexiTravel Hourly Insurance Plan
a. Income is offering complimentary coverage for the first trip (“Complimentary Coverage”) with FlexiTravel Hourly Insurance (“Qualifying Policy”) to applicants who successfully purchase a FlexiTravel Hourly Insurance Plan (“Policyholder”) from 27 April 2022 to 26 July 2022 (inclusive of both dates) (“Promotion Period”) via My Income Insurance App (the “Promotion”).
b. To qualify for this Promotion, Policyholders must:
- be the first 1,000 applicants to submit the application for the Qualifying Policy for a new trip during the Promotion Period via the My Income Insurance App; and
- enter a valid promotion code “1STTRIPONUS” (the “Promo Code”) when applying for the Complimentary Coverage.
c. This Promotion is not valid in conjunction with any other promotion or discount.
2. Each Policyholder is only entitled to a one-time use of the Promo Code. In the event that:
a. Policyholder cancels the Complimentary Coverage for the first trip after the trip has started, he/she would not be able to enjoy this Promotion again.
b. Policyholder cancels the Complimentary Coverage for the first trip before the trip starts, he/she would be able to apply the Promo Code to enjoy Complimentary Coverage for the next trip subject to the terms and conditions of this Promotion. For avoidance of doubt, the application for the Qualifying Policy for the next trip as referred to above, is required to be submitted to us during the Promotion Period via the My Income Insurance App.
3. Income reserves the right to change the terms and conditions of this promotion without any prior notice.
4. Income’s decision on all matters relating to this Promotion shall be final, conclusive and binding. No appeal will be entertained.
5. This Promotion does not affect or change any term of the policy contract for the Qualifying Policy. If there is any inconsistency between any term of this Promotion and any term of the policy contract for the Qualifying Policy, the term of the policy contract shall prevail.
Information is correct as of 27 April 2022.
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