^Prices stated are inclusive of 7% GST. This arrangement is not in conjunction with any other ongoing promotions, packages or privileges, and not applicable with other corporate programmes provided by RMG. Unutilised purchase will not be refunded or discounted. Listed services and terms are subject to changes without prior notice. Income and its service provider, Raffles Medical Group, may refuse to offer you the pre-departure COVID-19 test at the stated rates if you have not purchased any Income Travel Insurance Standard Plan (Single Trip).

1. Per-Trip Travel Insurance Plan Promotion (this "Promotion")

a. Income is offering a 40% discount and a Hello Kitty umbrella worth $25.00 (“Promotional Gift”) for Income’s Travel Insurance Classic per-trip plan, Deluxe per-trip plan, Preferred per-trip plan, (collectively the “Per-Trip Qualifying Policies”) to applicants who successfully purchase any of the Per-Trip Qualifying Policies (“Policyholder”) from 15 January to 27 February 2022 (inclusive of both dates) (“Promotion Period”) via:

          i. Income website online at https://insurance.income.com.sg/travel-insurance or

          ii. Income Insurance App; or

          iiii. Income advisers; or

          iv. Any Income branches; or

          v. The Travel product hotline 6788 1222

b. To qualify for this promotion:

          i. New business applications must be submitted during the Promotion Period; and

          ii. Premium payment must be successfully received by Income during the Promotion Period.

c. Each policy is entitled to one Promotional Gift regardless of the number of people insured and the Promotional Gift is subject to availability of stocks.

d. Redemption letters for the Promotional Gift will be mailed to the Policyholder within two months from the end date of the promotion, at his/her address registered with Income during the application of the Per-Trip Qualifying Policies. The Policyholder must bring along the redemption letter for the redemption of the Promotional Gift. If the policy does not qualify for this Promotion due to any subsequent cancellation or endorsement, the value of the Promotional Gift ($25.00) will be deducted from any refunds.

e. The Promotional Gift must be collected within two months from the date of the redemption letter. Failing which, the Policyholder shall be deemed to have forfeited his/her right to the Promotional Gift and no compensation will be given or paid in lieu.

f. The Promotional Gift is not exchangeable for cash or any benefit in kind.

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

h. Income shall not be liable to any applicant or any party, whether in contract or tort (including negligence) or otherwise, for any liabilities, losses and damages, claims, costs and expenses or for any special or consequential damages or losses in connection with, related to or resulting from the use of any of the Promotional Gift or Replacement Item (if any).

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

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

k. All other discounts including group discounts will not be applicable for the Per-Trip Qualifying Policies.

l. You and the insured persons are not eligible for this Promotion if you cancel any existing Income Travel Insurance policy and purchase the Per-Trip Qualifying Policies for the same trip duration and destination.

m. This Promotion is not applicable to all of Income’s Travel Insurance Enhanced PreX per-trip and yearly plans, Income’s Travel Insurance Yearly plans and Income’s TravelBliss per-trip and yearly plans.

2. An administrative charge of $21.40 (inclusive of 7% GST) will apply to any endorsement made to any Per-Trip Qualifying Policies issued under this Promotion. This administrative charge is in addition to any extra 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 endorsement to any Per-Trip Qualifying Policies issued under this Promotion and the extra premiums.

3. An administrative charge of $21.40 (inclusive of 7% GST) will also apply for cancellation of any Per-Trip Qualifying Policies issued under this promotion. This administrative charge includes 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.

4. This Promotion is only applicable to Singaporeans, Permanent Residents of Singapore and holders of a valid Singapore employment pass, work permit pass, long term visit pass and student pass.

5. Income reserves the right to change the terms and conditions of this Promotion without any prior notice.

1. Per-Trip Travel Insurance Plan Pre-Departure COVID-19 Test Promotion (this "COVID-19 Test Promotion")

a. In collaboration with Raffles Medical, Income is offering pre-departure COVID-19 testing to Income’s Travel Insurance Classic per-trip plan, Deluxe per-trip plan or Preferred per-trip plan (collectively the “Per-Trip Qualifying Policies”) applicants who successfully purchase any of the Per-Trip Qualifying Policies (“Policyholder”) from 15 January to 27 February 2022 (inclusive of both dates) (“Promotion Period”) via:

            I. Income website online at https://insurance.income.com.sg/travel-insurance; or

            II. Income advisers; or

            III. Any Income branches; or

            IV. The Travel product hotline 6788 1222

b. Policyholders and insureds will be entitled to the following rates for their pre-departure COVID-19 tests, purchasable via a dedicated link in an email sent by Income. COVID-19 PCR test at $124.20, COVID-19 Serology (IgM) Test at $32.14, PCR + Total Antibody N Protein (China flights) at $160.20 and PCR + Serology (IgM) (China Flights) at $160.20. All prices stated are inclusive of 7% GST.

c. The stated COVID-19 pre-departure test rates cannot be used in conjunction with any other ongoing promotions, packages or privileges, and is not applicable with other corporate programmes provided by Raffles Medical Group. Unutilised purchase will not be refunded or discounted. Listed services and terms are subject to changes without prior notice.

d. Policyholders and insureds shall keep the Raffles Medical Group weblink strictly confidential, and shall not share or disclose the same to third parties.

2. An administrative charge of $21.40 (inclusive of 7% GST) will apply to any endorsement made to any Per-Trip Qualifying Policies issued under this COVID-19 Test Promotion. This administrative charge is in addition to any extra 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 endorsement to any Per-Trip Qualifying Policies issued under this COVID-19 Test Promotion and the extra premiums.

3. An administrative charge of $21.40 (inclusive of 7% GST) will also apply for cancellation of any Per-Trip Qualifying Policies issued under this COVID-19 Test Promotion. This administrative charge includes 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.

4. This COVID-19 Test Promotion is only applicable to Singaporeans, Permanent Residents of Singapore and holders of a valid Singapore employment pass, work permit pass, long term visit pass and student pass.

5. Income reserves the right to change the terms and conditions of this COVID-19 Test Promotion without any prior notice.

6. Income shall not be liable for any claims and disputes arising between Raffles Medical Group and Income’s Policyholders.

Applicable to Income’s Travel Insurance Standard Plan (Single Trip):

You can find the usual terms and conditions of this Travel Insurance policy 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)

Information is correct as of 15 January 2022.

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