Enjoy 20% off + 60,000 STAR$^® when you sign up for Yearly Travel Insurance plans 🌍✈️

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

1.1. A customer shall be eligible to enjoy the Promotion set out in the table below with the purchase of the Yearly Travel Insurance policies (“Qualifying Policy”) below:

2. A 20% discount (“Discount”) is applied for the purchase of any of Income Insurance’s Travel Insurance Classic Yearly plan, Deluxe Yearly plan and Preferred Yearly plan (collectively the “Qualifying Policies”, and each a “Qualifying Policy”).

3. Customers who purchase Income Insurance’s Travel Insurance Deluxe Yearly plan and Preferred Yearly plan must enter the promo code “SG60” during the application to receive an additional 60,000 STAR$ (“Promotional Gift”).

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

5. Application of the Qualifying Policies (as defined below) must be made or submitted via: 

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

ii. Income Insurance advisors; or 

iii. Any Income Insurance branches; or 

iv. The Travel product hotline 6788 1222; or

v. My Income Insurance App. 

6. Applications for Qualifying Policies must be submitted to Income from 1 Aug 2025 09:00 hrs to 10 Aug 2025 09:00 hrs (both dates inclusive) (the “Promotion Period”), and premium payment must be successfully received by Income Insurance during the Promotion Period for the customer to be eligible to enjoy the Promotion.

7. A customer may enjoy more than one promotion offered by Income Insurance through purchase of Qualifying Policies, unless otherwise advised by Income Insurance at the point of application. Travel Renewal Bonus awarded to policies before this Promotion will not be transferred to the new Yearly Plan Qualifying Policies purchased during this Promotion.

8. A redemption email will be sent to the customer’s email address used during purchase for the Promotional Gift, to successful applicants of the Qualifying Policies 1 month after the policy effective date, provided that the Qualifying Policy is still in-force as of that date. Eligible customers may refer to the email for instructions on the redemption of the Promotional Gift. No hardcopy letter will be sent.

9. The Promotion does not affect or change any term, condition and exclusion of the policy contract of the Qualifying Policies issued. The precise terms, conditions and exclusions of the Qualifying Policies are specified in their respective policy contracts.

10. An administrative charge of $10.90 (inclusive of 9% GST) will apply to any endorsement made to any 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 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 Qualifying Policies issued under this Promotion and the extra premiums.

11. An administrative charge of $10.90 (inclusive of 9% GST) will apply for the Qualifying Policies which are cancelled before the start date of the policy. This administrative charge includes the prevailing administrative charge stated in the policy conditions for cancellation of policy. For Qualifying Policies which are cancelled within 180 days after the start date of the policy, the premium refund will be worked out as follows: Period of insurance (in days) still left to run/Original period of insurance of the policy X 85% of the premium paid.

12. There is no premium refund for Qualifying Policies which are cancelled more than 180 days after the start date of the policy or once a claim has been made, whichever comes first.

13. A customer and the insured persons are not eligible for this Promotion if the customer cancels any existing Income Travel Insurance policy and purchase the Qualifying Policies for the same trip duration and destination.

14. Income Insurance reserves the right to demand that the customer reimburses the full value of the discount enjoyed by the customer (i.e. the full value of the 20% discount and 60,000 STAR$® stated in Clause 1.1 above) to Income Insurance for any Qualifying Policy which is issued but terminated or lapsed within 30 days from the Qualifying Policy issuance date, and the customer shall immediately pay Income Insurance such amount demanded.

15. The Promotion is not exchangeable for cash or any benefit in kind.

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

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

18. 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.

19. Income Insurance is not the merchant or manufacturer of the Promotion 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 Promotion Gift and Replacement Item(s).

20. No joint venture, sponsorship, tie up, agency or any other relationship is intended or created between Income Insurance and merchant or manufacturer of the Promotion 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 Promotion Gift and Replacement Item(s).

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

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

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 Qualifying Policies 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 Insurance or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg). 

Protected by copyright and owned by Income Insurance Limited.

Information is correct as at 1 Aug 2025.