Get 50% off + a Limited Edition 20-inch Miffy Luggage^ (worth $249) when you sign up for Standard Per-trip Travel Insurance plans! ✈️🧳

1. Income Insurance Limited (“Income Insurance”) is offering the following promotion (the “Promotion”) subject to these Terms and Conditions:

1.1. A customer shall be eligible to enjoy a discount of 50% (the “Discount”) set out in the table below with the purchase of the following policy (“Qualifying Policy”) and in accordance with the respective premium amount(s) paid:

1.2. A customer shall be eligible to enjoy the Discount with the purchase of any Standard Per-trip plan under the Qualifying Policy. 

1.3. In addition, a customer shall be eligible to receive one (1) Limited Edition 20-inch Miffy Luggage worth $249 (the “Promotional Gift”) with the successful purchase of a respective plan(s) under the Qualifying Policy (as defined in Clause 1.1) with a minimum premium spend of $200.00 after application of the Discount.

1.4. Income Insurance is offering the Promotion to new applicants who successfully purchase the Qualifying Policy (as defined above) submitted via:

i. Income Insurance website online at income.com.sg/buy/travel-insurance; 

ii. Income Insurance advisors; 

iii. Any Income Insurance branches; 

iv. The Travel product hotline 6788 1222; or

v. My Income Insurance App

2. Applications for the Qualifying Policy must be submitted to Income Insurance from 10 July 2025 09:00hrs to 23 July 2025 09:00hrs only (both dates inclusive) (the “Promotion Period”), enter or quote the valid promotion code “TRAVEL50” in their applications to purchase the Qualifying Policy, and premium payment must be successfully received by Income Insurance during the Promotion Period for the customer to be eligible to enjoy the Promotion.

3. A customer may not enjoy this Promotion in conjunction with any other promotion and/or incentive offered by Income Insurance.

4. The Promotion does not affect or change any term, condition and exclusion of the policy contract of the Qualifying Policy issued. The precise terms, conditions and exclusions of the Qualifying Policy is specified in its policy contract.

5. Income Insurance will issue an email to eligible customers with steps to redeem the Promotional Gift two business days after the end of customers’ travel end date, provided that the Qualifying Policy is not terminated. For customers whose travel date is before 1 September 2025, will receive the redemption letter starting 1 September, or on whichever later date applies.  

5.1. The redemption email will be sent to the email address provided in the application form submitted by the customer. No hardcopy letter will be sent.

5.2. The Promotional Gift must be redeemed in accordance with the instructions and terms set out in the redemption email, failing which the customer shall be deemed to have forfeited his/her entitlement to the Promotional Gift, and no compensation will be given or paid in lieu.  

5.3. At the point of redemption, the customer shall be entitled to indicate a preference for one of the two available colour options, namely pastel blue or pastel pink, subject always to prevailing stock availability. In the event that the customer’s preferred colour is not available due to stock depletion, the customer shall be deemed to have accepted the remaining available colour option, which shall be provided in full satisfaction of the redemption.

6. An administrative charge of $10.90 (inclusive of 9% GST) will apply to any changes made to any Per-trip Qualifying Policies issued under this Promotion. This administrative charge is in addition to any additional premiums which you will have to pay for making changes to the Per-trip Qualifying Policies such as extending the period of insurance or adding a new insured person. The Discount on premiums payable will also no longer apply as a result of any changes to any Per-trip Qualifying Policies issued under this Promotion and the extra premiums.

7. An administrative charge of $10.90 (inclusive of 9% GST) will also apply for cancellation of any Per-trip Qualifying Policies issued under this Promotion. This administrative charge excludes the prevailing administrative charge stated in the policy conditions for cancellation of policy. There is no premium refund for Per-trip Qualifying Policies which are cancelled after the start date of the policy. 

8. A customer and the insured persons are not eligible for this Promotion if the customer cancels or has cancelled any existing Income's Travel Insurance policy re-purchases the Per-trip Qualifying Policies for the same duration and destination.

9. Income Insurance reserves the right to demand from the successful applicant the full value of the Promotional Gift for Qualifying Policy which is issued but terminated by a customer, and the customer shall immediately pay Income Insurance such amount demanded. The full value refers to the stated worth price in Clause 1.1 above, or the face value of the Promotional Gift (whichever if higher).

10. Income Insurance reserves the right to replace the Promotional Gift with items of similar value (“Replacement Item”) at any time without prior notice.

11. The Promotion, Discount, Promotional Gift and Replacement Items(s) are not exchangeable for cash or any benefit in kind.

12. Usage of the Promotional Gift and/or Replacement Item(s) shall be subject to terms and conditions imposed by the merchant or manufacturer of the Promotional Gift and Replacement Item(s).

13. Income Insurance is not the merchant or manufacturer of the Promotional Gift and Replacement Item(s) and provides no warranty in respect of the same. Income Insurance makes no warranties and shall not be responsible for all warranties, expressed or implied, including implied warranties of merchantability, fitness for a particular purpose, and against infringement of intellectual property rights in respect of the Promotional Gift and Replacement Item(s).

14. Under no circumstances shall Income Insurance be liable to any customer or party, whether in contract, tort (including negligence) or otherwise, for any liabilities, losses, damages, claims, costs and expenses (including any special or consequential damages or losses) in connection with, related to or resulting from the Promotion, Promotional Gift and Replacement Item(s).

15. No joint venture, sponsorship, tie up, agency or any other relationship is intended or created between Income Insurance and merchant or manufacturer of the Promotional Gift and Replacement Item(s). Neither is this Promotion intended or deemed to be a connection with or use of the brand name of the merchant or manufacturer of the Promotional Gift and Replacement Item(s)  

16. Income Insurance reserves the right to vary/amend the terms and conditions of this Promotion at any time without prior notice to customers.

17. Income Insurance’s decision on all matters relating to this Promotion shall be final, conclusive and binding. No appeals will be entertained.

Information is correct as at 10 July 2025.

IMPORTANT NOTES

For enquiries on the Promotion, customers may reach out to Income Insurance via income.com.sg/contact-us/customer-enquiry-form.

The precise terms, conditions and exclusions of the Travel Per-Trip Insurance can be found at income.com.sg/travel-policy-conditions.pdf.

All of Income Insurance’s products are developed to benefit our customers but not all our products may be suitable for your specific needs. If you are unsure if a product is suitable for you, we strongly encourage you to speak to a qualified Income Insurance advisor. Otherwise, you may end up purchasing a product that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you seek.  

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)

Information is correct as at 10 July 2025.