Get 20% off + Income’s 55th Anniversary Edition of The Singaporean Dream Card Game^ when you sign up for standard 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 20% discount (“Discount”) for new application of the Qualifying Policies (as defined below) 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; or ​

v. My Income Insurance App. ​

1.2 In addition, customers who apply the promo code <TRAVEL20> when purchasing any of the Qualifying Policies during the Promotion Period will also be entitled to receive one (1) Singaporean Dream Card game (the “Promotional Gift”), while stocks last. ​

2. A customer shall be eligible to enjoy the Promotion with 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”).​ 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 Insurance’s TravelBliss Per-trip and Yearly plans.​

3. Applications for Qualifying Policies must be submitted to Income Insurance from 20 Oct 2025 09:00hrs to 30 Oct 2025 09:00hrs (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.

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

5. 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.​

6. Income Insurance will issue an email to eligible customers with steps to redeem the Promotional Gift one month from the start date of each relevant Qualifying Policy, provided that the Qualifying Policy is not terminated.

6.1 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.​

6.2 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.

7. 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.​

8. 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

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.​

9. 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.​

10. 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.​

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

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

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

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 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 websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg). 

Information is correct as at 20 Oct 2025.