Win a pair of Singapore Airlines Business Class tickets^ to London!

Ts&Cs apply. 

 ^2 winners, 1 pair of tickets each. For Yearly Travel Insurance policies in force as at 21 February 2027.

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 qualify for a lucky draw (the “Lucky Draw”) with an existing “Qualifying Policy” (as defined below) that remains in force as at 21 February 2027: 

2. To qualify for this Promotion: 

2.1 The Qualifying Policy must remain in force as at 21 February 2027. 

2.2. Policies which are not in force as at 21 February 2027 will not qualify for entry into the Lucky Draw. 

3. 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 are specified in its policy contract. 

4. Each customer will be: 

4.1. Accorded one (1) chance to win in the Lucky Draw for every Qualifying Policy in force, regardless of the number of insured persons. 

4.2 Eligible customers will be notified via email of their eligibility for the Lucky Draw seven (7) days before the draw.  

5. The Lucky Draw is organized by Income Insurance and is open to all Singaporeans and Permanent Residents of Singapore and holders of a valid Singapore employment pass, work permit pass, long term visit pass and student pass, aged 18 years and above. Staff, Financial Consultants and Insurance Advisors of Income Insurance are not eligible to participate in this Lucky Draw. 

6. The Lucky Draw will be conducted on 1 March 2027 at 2PM at Letrain Redemption Centre: 2 Havelock Road, #03-03 Havelock II, Singapore 059763.  

7. All eligible entries will be entered into a computer database and two (2) winners will be picked out of the total eligible entries using a random generator computer software. Income Insurance is not responsible for any computer software or communication failure in connection with or arising from the use of the computer or any software to generate the winner of the Lucky Draw. 

8. Each winner will be notified via phone call and email within three (3) working days from the day the Lucky Draw is conducted.  

9. The Lucky Draw results will also be published on Income Insurance’s lucky draw page at income.com.sg/promotions/yearly-travel-lucky-draw  

10. Following the notification of the winners, Letrain Events & Marketing Pte Ltd will use reasonable efforts to contact each winner using the contact details provided by the winner to Income Insurance (during the purchase of the Qualifying Policy) and arrange for the redemption of the Lucky Draw Gift. The redemption process must be completed within thirty (30) days from the day they are notified of the win. If any winner is uncontactable after reasonable attempts by Letrain Events & Marketing Pte Ltd, the prize shall be deemed unclaimed, forfeited and donated to a charity of Income Insurance's choice. No re-draw of the winner will be conducted. 

11. Upon redemption of the Lucky Draw Gift, each winner must acknowledge and book the flight tickets within six (6) months from the date of redemption. Any unutilized travel entitlement after the six (6) month period will be forfeited. 

12. Income Insurance’s decision as the organiser of this Lucky Draw is final, conclusive and binding and no correspondence nor appeals will be entertained. 

13. The Lucky Draw Gift is not exchangeable or transferable or any benefit in kind. 

14. Each winner shall be responsible: 

14.1. For booking the Lucky Draw Gift within the maximum value of $27,500. Any amount exceeding $27,500 shall be borne by the winner. Any unused portion of the $27,500 maximum value shall not be payable to, refundable to or otherwise claimable by the winner. Where the winner has paid for the Lucky Draw Gift upfront, reimbursement of the eligible amount shall be made by Letrain Events & Marketing Pte Ltd via bank transfer, subject to verification of the required supporting documents, including but not limited to the booking confirmation and proof of payment. Such reimbursement shall not exceed the maximum prize value of $27,500. 

14.2. In the event where a winner chooses not to make the booking directly, Letrain Events & Marketing Pte Ltd may, at its sole discretion, assist with the booking on the winner's behalf. To facilitate such booking, the winner shall provide all required personal particulars and travel information, including but not limited to their full name as per passport, passport details, contact information and any other information reasonably requested. The winner acknowledges and agrees that such personal data will be collected, used and disclosed solely for the purpose of arranging and processing the travel booking. 

15. Each winner must maintain the Qualifying Policy in force. If the winner cancels, terminates or otherwise causes the Qualifying Policy to cease to be in force after being awarded the Lucky Draw Gift, Income Insurance reserves the right to demand from the winner the full value of the Lucky Draw Gift provided to the winner, and the winner shall immediately pay Income Insurance such amount demanded. The full value refers to the stated value of the Lucky Draw Gift in Clause 1.1 above, or the face value of the Lucky Draw Gift whichever is higher. 

16. The Lucky Draw Gift is strictly non-transferable and may only be utilised by the winner, who must be one of the travellers. Each winner may not nominate a substitute traveller nor transfer or assign the travel entitlement to any other person. The travel destination and ticket cabin class are final upon confirmation. No amendments, exchanges, upgrades, downgrades, or changes to the destination or cabin class will be permitted thereafter.  

17. In the event that Business Class tickets to the selected travel destination are unavailable or no longer offered by the airline at the time of booking, Income Insurance reserves the right to offer an alternative destination with comparable Business Class travel, provided that the total value of the Lucky Draw Gift does not exceed $27,500. 

18. 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. 

19. 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. 

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

21. Income Insurance reserves the right to demand from the successful applicant the full value of the Lucky Draw Gift provided to the customer for any Qualifying Policy which is issued but terminated or cancelled, and the customer shall immediately pay Income Insurance such amount demanded. The full value refers to the stated value of the Lucky Draw Gift in Clause 1.1 above, or the face value of the Lucky Draw Gift whichever is higher. 

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

23. The Lucky Draw Gift and Replacement Items(s) are not exchangeable for cash or any benefit in kind. 

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

25. Income Insurance is not the merchant or manufacturer of the Lucky Draw 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 Lucky Draw Gift and Replacement Item(s). 

26. 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 Lucky Draw Gift and Replacement Item(s). 

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

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

29. Income Insurance’s decision on all matters relating to the 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). 

Information is correct as at 15 November 2026 (SGT). 

Information is correct as at 15 November 2026 (SGT).