Trust Bank Promotion for Branches

Travel with Trust Bank

Promotion

Travel with TrustBank

For Standard Per-Trip and Yearly Plans

Get more savings for Income's Travel Insurance with your Trust card.

From 14 November to 16 November 2023, get an additional 5% off Travel Insurance Standard Plans when you buy with your Trust card through the Trust app or website.

View our Standard Plans full coverage.

For Enhanced PreX Per-Trip Plans

Travel adventures should not stop with pre-existing medical conditions.

With Income's Enhanced PreX Per-Trip travel insurance plans, you can travel worry-free to explore the world's hidden gems.

View our Enhanced PreX Per-Trip Plans full coverage.

IMPORTANT NOTE:

5% discount is only applicable for Standard Plans and will apply only after any existing Income's Travel Insurance Promotion. The 5% discount is not applicable for Enhanced PreX plans.

Standard plan coverage table

The standard plans, Classic, Deluxe and Preferred plans do not cover pre-existing medical conditions.

		Maximum benefit (S$) for each trip
		Classic		Deluxe		Preferred
		Per insured person	Family total¹	Per insured person	Family total¹	Per insured person	Family total¹
Travel Inconvenience Benefits
Section 1	Cancelling your trip Overall section limit	5,000	15,000	10,000	30,000	15,000	45,000
	Limit for other unused prepaid expenses	500		1,000		2,000
	Co-payment for claims due to pre-existing medical conditions	NA²		NA²		NA²
Section 2	Postponing your trip Overall section limit	2,000	6,000	2,000	6,000	2,000	6,000
	Limit for other unused prepaid expenses	500		1,000		2,000
	Co-payment for claims due to pre-existing medical conditions	NA²		NA²		NA²
Section 3	Shortening your trip
	Overall section limit	5,000	15,000	10,000	30,000	15,000	45,000
	Limit for extra expenses to return to Singapore	1,000		2,000		3,000
	Limit for other unused prepaid expenses	500		1,000		2,000
	Co-payment for claims due to pre-existing medical conditions	NA²		NA²		NA²
Section 4	Trip disruption
	Overall section limit	1,000	3,000	2,000	6,000	3,000	9,000
	Limit for accommodation expenses per room per night	400		400		400
	Limit for other unused prepaid expenses	500		1,000		2,000
	Co-payment for claims due to pre-existing medical conditions	NA²		NA²		NA²
Section 5	Travel delay
	Overall section limit	1,000	2,000	1,500	3,000	2,000	4,000
	For every six hours of delay while overseas 1. Adult	100		100		100
	2. Child	50		50		50
	After six hours of delay while in Singapore 1. Adult	150		150		150
	2. Child	50		50		50
Section 6	Missed connections	100	1,000	200	2,000	500	5,000
Section 7	Overbooked public transport	100	1,000	200	2,000	500	5,000
Section 8	If the travel agency becomes insolvent	2,000	10,000	3,000	15,000	5,000	25,000
Section 9	Baggage delay
	Overall section limit	1,000	2,000	1,200	2,400	2,000	4,000
	For every six hours of delay while overseas 1. Adult	200		200		200
	2. Child	50		50		50
	Baggage delay after six hours when arriving in Singapore 1. Adult	200		200		200
	2. Child	50		50		50
Section 10	Loss or damage of baggage and personal belongings
	Overall section limit	3,000	7,500	5,000	12,500	8,000	20,000
	Limit for laptop	1,000		1,000		1,000
	Limit for watches, jewellery or valuables in total	200		500		750
	Limit for other items (for each item, set or pair)	500		500		500
Section 11	Losing money
	1. Adult	250	450	350	600	500	800
	2. Child	100	450	125	600	150	800
Section 12	Losing travel documents
	Overall section limit	3,000	7,500	5,000	12,500	8,000	20,000
	Limit for accommodation expenses per room per night	400	7,500	400	12,500	400	20,000
Personal Accident and Medical Expenses Benefits
Section 13	Personal accident
	1. Adult 70 years old or over	100,000	600,000	125,000	800,000	200,000	1,600,000
	2. Adult under 70 years old	150,000		200,000		500,000
	3. Child	75,000		100,000		150,000
	Or Public transport double cover for accidental death
	1. Adult 70 years old or over	NA	NA	250,000	1,600,000	400,000	3,200,000
	2. Adult under 70 years old	NA		400,000		1,000,000
	3. Child	NA		200,000		300,000
	Scale of compensation	Percentage of benefit limit
	a. Accidental death	100%
	b. Permanent total disability	100%
	c. Losing two or more limbs	100%
	d. Losing sight in both eyes	100%
	e. Losing one limb	50%
	f. Losing sight in one eye	50%
	g. Losing speech	50%
	h. Losing hearing	50% The total compensation from a to h will not be more than the maximum benefit limit.
Section 14	Medical expenses overseas
	Overall section limit 1. Adult 70 years old or over(combined for sections 14, 18 and 19)	300,000	1,000,000	300,000	1,500,000	350,000	3,000,000
	2. Adult under 70 years old	250,000		500,000		1000,000
	3. Child	150,000		200,000		300,000
	Limit for medical aids and equipment	500		1,000		1,500
	Limit for claims due to pre-existing medical conditions (combined for sections 14, 18 and 19) 1. Adult 70 years old or over	NA²		NA²		NA²
	2. Adult under 70 years old	NA²		NA²		NA²
	3. Child	NA²		NA²		NA²
Section 15	Medical expenses in Singapore
	Overall section limit 1. Adult 70 years old or over	1,000	60,000	2,000	100,000	5,000	200,000
	2. Adult under 70 years old	12,500		25,000		50,000
	3. Child	10,000		15,000		25,000
	Limit for medical aids and equipment	500		1,000		1,500
Section 16	Treatment by a Chinese medicine practitioner or a chiropractor
	Overall section limit	300	1,000	500	1,500	1,000	3,000
	Limit per Visit	50		75		100
	Limit for claims due to pre-existing medical conditions	NA²		NA²		NA²
	Limit per visit for claims due to pre-existing medical conditions	NA²		NA²		NA²
Section 17	Overseas hospital allowance
	Overall section limit	10,000	30,000	20,000	60,000	50,000	150,000
	Benefit per day	100		200		200
	Limit for claims due to pre-existing medical conditions	NA²		NA²		NA²
	Benefit per day if due to pre-existing medical conditions	NA²		NA²		NA²
Section 18	Emergency medical evacuation
	Overall section limit 1. Adult 70 years old or over	See limit under section 14	1,250,000	See limit under section 14	1,500,000	See limit under section 14	2,000,000
	2. Adult under 70 years old	500,000		Unlimited		Unlimited
	3. Child	500,000		Unlimited		Unlimited
	Limit for claims due to pre-existing medical conditions 1. Adult 70 years old or over	NA²		NA²		NA²
	2. Adult under 70 years old
	3. Child
Section 19	Sending you home
	Overall section limit 1. Adult 70 years old or over	See limit under section 14	1,250,000	See limit under section 14	1,500,000	See limit under section 14	2,000,000
	2. Adult under 70 years old	150,000		Unlimited		Unlimited
	3. Child	150,000		Unlimited		Unlimited
	Limit for claims due to pre-existing medical conditions 1. Adult 70 years old or over	NA²		NA²		NA²
	2. Adult under 70 years old
	3. Child
Section 20	Compassionate visit
	Overall section limit	5,000	15,000	10,000	30,000	15,000	45,000
	Limit for accommodation expenses per room per night	400		400		400
	Limit for claims due to pre-existing medical conditions	NA²		NA²		NA²
Other Benefits
Section 21	Kidnap and hostage
	Overall section limit	3,000	9,000	5,000	15,000	10,000	30,000
	Every 24 hours	100	9,000	200	15,000	500	30,000
Section 22	Emergency phone charges
	Overall section limit	100	300	150	450	300	900
	Limit for claims due to pre-existing medical conditions	NA²	300	NA²	450	NA²	900
Section 23	Home cover
	Overall section limit	3,000	3,000	5,000	5,000	15,000	15,000
	Limit per item (for each item, set or pair)	500	3,000	500	5,000	500	15,000
Section 24	Personal liability	500,000	500,000	1,000,000	1,000,000	1,000,000	1,000,000
Section 25	Rental vehicle excess cover	1,500	1,500	2,000	2,000	2,500	2,500
Section 26	Full terrorism cover (for sections 1 to 25)
	1. Adult 70 years old or over	100,000	600,000	125,000	800,000	200,000	1,600,000
	2. Adult under 70 years old	150,000		200,000		500,000
	3. Child	75,000		100,000		150,000
Section 27	COVID-19 cover extension (for sections 1 to 25 except section 15)	See limits of respective sections that apply
Section 28	Post-departure purchase extension (for sections 3 to 27 except section 8)	See limits of respective sections that apply

¹ Family total means the maximum amount we will pay for each benefit section under the family cover during any one trip. Each insured person is only allowed the maximum benefit per insured person in the table of cover.

² No coverage for pre-existing medical conditions.

Please refer to the policy conditions for the full Terms and Conditions.

Enhanced PreX^® Plans coverage table

		Maximum benefit (S$) for each trip
		Enhanced PreX^® Basic		Enhanced PreX^® Superior		Enhanced PreX^® Prestige
		Per insured person	Family total¹	Per insured person	Family total¹	Per insured person	Family total¹
Travel Inconvenience Benefits
Section 1	Cancelling your trip Overall section limit	10,000	30,000	10,000	30,000	15,000	45,000
	Limit for other unused prepaid expenses	1,000		1,000		2,000
	Co-payment for claims due to pre-existing medical conditions	NA²		25%		25%
Section 2	Postponing your trip Overall section limit	2,000	6,000	2,000	6,000	2,000	6,000
	Limit for other unused prepaid expenses	1,000		1,000		2,000
	Co-payment for claims due to pre-existing medical conditions	NA²		25%		25%
Section 3	Shortening your trip
	Overall section limit	10,000	30,000	10,000	30,000	15,000	45,000
	Limit for extra expenses to return to Singapore	2,000		2,000		3,000
	Limit for other unused prepaid expenses	1,000		1,000		2,000
	Co-payment for claims due to pre-existing medical conditions	NA²		25%		25%
Section 4	Trip disruption
	Overall section limit	2,000	6,000	2,000	6,000	3,000	9,000
	Limit for accommodation expenses per room per night	400		400		400
	Limit for other unused prepaid expenses	1,000		1,000		2,000
	Co-payment for claims due to pre-existing medical conditions	NA²		25%		25%
Section 5	Travel delay
	Overall section limit	1,500	3,000	1,500	3,000	2,000	4,000
	For every six hours of delay while overseas 1. Adult	100		100		100
	2. Child	50		50		50
	After six hours of delay while in Singapore 1. Adult	150		150		150
	2. Child	50		50		50
Section 6	Missed connections	200	2,000	200	2,000	500	5,000
Section 7	Overbooked public transport	200	2,000	200	2,000	500	5,000
Section 8	If the travel agency becomes insolvent	3,000	15,000	3,000	15,000	5,000	25,000
Section 9	Baggage delay
	Overall section limit	1,200	2,400	1,200	2,400	2,000	4,000
	For every six hours of delay while overseas 1. Adult	200		200		200
	2. Child	50		50		50
	Baggage delay after six hours when arriving in Singapore 1. Adult	200		200		200
	2. Child	50		50		50
Section 10	Loss or damage of baggage and personal belongings
	Overall section limit	5,000	12,500	5,000	12,500	8,000	20,000
	Limit for laptop	1,000		1,000		1,000
	Limit for watches, jewellery or valuables in total	500		500		750
	Limit for other items (for each item, set or pair)	500		500		500
Section 11	Losing money
	1. Adult	350	600	350	600	500	800
	2. Child	125	600	125	600	150	800
Section 12	Losing travel documents
	Overall section limit	5,000	12,500	5,000	12,500	8,000	20,000
	Limit for accommodation expenses per room per night	400	12,500	400	12,500	400	20,000
Personal Accident and Medical Expenses Benefits
Section 13	Personal accident
	1. Adult 70 years old or over	125,000	800,000	125,000	800,000	200,000	1,600,000
	2. Adult under 70 years old	200,000		200,000		500,000
	3. Child	100,000		100,000		150,000
	Or Public transport double cover for accidental death
	1. Adult 70 years old or over	250,000	1,600,000	250,000	1,600,000	400,000	3,200,000
	2. Adult under 70 years old	400,000		400,000		1,000,000
	3. Child	200,000		200,000		300,000
	Scale of compensation	Percentage of benefit limit
	a. Accidental death	100%
	b. Permanent total disability	100%
	c. Losing two or more limibs	100%
	d. Losing sight in both eyes	100%
	e. Losing one limb	50%
	f. Losing sight in one eye	50%
	g. Losing speech	50%
	h. Losing hearing	50% The total compensation from a to h will not be more than the maximum benefit limit.
Section 14	Medical expenses overseas Overall section limit
	1. Adult 70 years old or over (combined for sections 14, 18 and 19)	300,000	1,500,000	300,000	1,500,000	350,000	3,000,000
	2. Adult under 70 years old	500,000		500,000		1,000,000
	3. Child	200,000		200,000		300,000
	Limit for medical aids and equipment	1,000		1,000		1,500
	Limit for claims due to pre-existing medical conditions (combined for sections 14, 18 and 19)
	1. Adult 70 years old or over	100,000	1,500,000	100,000	1,500,000	200,000	3,000,000
	2. Adult under 70 years old	150,000		150,000		300,000
	3. Child	100,000		100,000		200,000
Section 15	Medical expenses in Singapore Overall section limit
	1. Adult 70 years old or over	2,000	100,000	2,000	100,000	5,000	200,000
	2. Adult under 70 years old	25,000		25,000		50,000
	3. Child	15,000		15,000		25,000
	Limit for medical aids and equipment	1,000		1,000		1,500
Section 16	Treatment by a Chinese medicine practitioner or a chiropractor
	Overall section limit	500	1,500	500	1,500	1,000	3,000
	Limit per Visit	75		75		100
	Limit for claims due to pre-existing medical conditions	500		500		1,000
	Limit per visit for claims due to pre-existing medical conditions	75		75		100
Section 17	Overseas hospital allowance
	Overall section limit	20,000	60,000	20,000	60,000	50,000	150,000
	Benefit per day	200		200		200
	Limit for claims due to pre-existing medical conditions	NA²		3,000		4,500
	Benefit per day if due to pre-existing medical conditions	NA²		100		100
Section 18	Emergency medical evacuation
	Overall section limit 1. Adult 70 years old or over	See limit under section 14	1,500,000	See limit under section 14	1,500,000	See limit under section 14	2,000,000
	2. Adult under 70 years old	Unlimited		Unlimited		Unlimited
	3. Child	Unlimited		Unlimited		Unlimited
	Limit for claims due to pre-existing medical conditions 1. Adult 70 years old or over 2. Adult under 70 years old 3. Child	See limits under section 14		See limits under section 14		See limits under section 14
Section 19	Sending you home
	Overall section limit 1. Adult 70 years old or over	See limit under section 14	1,500,000	See limit under section 14	1,500,000	See limit under section 14	2,000,000
	2. Adult under 70 years old	Unlimited		Unlimited		Unlimited
	3. Child	Unlimited		Unlimited		Unlimited
	Limit for claims due to pre-existing medical conditions 1. Adult 70 years old or over 2. Adult under 70 years old 3. Child	See limits under section 14		See limits under section 14		See limits under section 14
Section 20	Compassionate visit
	Overall section limit	10,000	30,000	10,000	30,000	15,000	45,000
	Limit for accommodation expenses per room per night	400		400		400
	Limit for claims due to pre-existing medical conditions	NA²		10,000		15,000
Other Benefits
Section 21	Kidnap and hostage
	Overall section limit	5,000	15,000	5,000	15,000	10,000	30,000
	Every 24 hours	200	15,000	200	15,000	500	30,000
Section 22	Emergency phone charges
	Overall section limit	150	450	150	450	300	900
	Limit for claims due to pre-existing medical conditions	150	450	150	450	300	900
Section 23	Home cover
	Overall section limit	5,000	5,000	5,000	5,000	15,000	15,000
	Limit per item (for each item, set or pair)	500	5,000	500	5,000	500	15,000
Section 24	Personal liability	1,000,000	1,000,000	1,000,000	1,000,000	1,000,000	1,000,000
Section 25	Rental vehicle excess cover	2,000	2,000	2,000	2,000	2,500	2,500
Section 26	Full terrorism cover (for sections 1 to 25)
	1. Adult 70 years old or over	125,000	800,000	125,000	800,000	200,000	1,600,000
	2. Adult under 70 years old	200,000		200,000		500,000
	3. Child	100,000		100,000		150,000
Section 27	COVID-19 cover extension (for sections 1 to 25 except section 15)	See limits of respective sections that apply
Section 28	Post-departure purchase extension (for sections 3 to 27 except section 8)	See limits of respective sections that apply

² No coverage for pre-existing medical conditions.

Please refer to the policy conditions for the full Terms and Conditions.

All Trust Credit/Debit Cardmembers who successfully purchased any Income Insurance Limited (“Income”) (i) Travel Insurance Classic Per-trip and Yearly plan; (ii) Deluxe Per-trip and Yearly plan; and/or (iii) Preferred Per-trip and Yearly plan (each a “Qualifying Policy” and collectively the “Qualifying Policies”) through the dedicated link under merchant information on Trust App (“Dedicated Link”) from 14 November to 16 November 2023 (inclusive of both dates) will receive a 5% off (“Discount”) for each Qualifying Policy purchased subject to these terms and conditions in addition to any existing Per-trip and Yearly Travel Insurance promotions offered by Income (“Existing Discount”). This Discount will apply only after any Existing Discount.
To receive the Discount for the Qualifying Policies:
- New business applications must be submitted through the Dedicated Link during the Promotion Period;
- The Advisor Code / SP Code must remain unchanged at 662774; and
- Premium payment must be successfully received by Income during the Promotion Period.
You and the insured persons are not eligible for this Promotion if you cancel any existing Income Travel Insurance policy and purchase any of the Per-trip and Yearly Qualifying Policies for the same trip duration and destination.
This promotion is not applicable to all of Income’s Travel Insurance Enhanced PreX Per-trip and Yearly plans, Income’s TravelBliss Per-trip and Yearly plans.
An administrative charge of $20 (subject to the prevailing GST, i.e., $21.60 @ 8% GST in year 2023 and $21.80 @ 9% GST from year 2024) will apply to any endorsement made to any Per-trip and Yearly 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 and Yearly 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 and Yearly Qualifying Policies issued under this Promotion and the extra premiums.
An administrative charge of $20 (subject to the prevailing GST, i.e., $21.60 @ 8% GST in year 2023 and $21.80 @ 9% GST from year 2024) will also apply for cancellation of any Per-trip and Yearly 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 and Yearly Qualifying Policies which are cancelled after the start date of the policy.
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.
Income reserves the right to change the terms and conditions of this Promotion without any prior notice.
The Discount is not exchangeable for cash or any benefit in kind.
No joint venture, sponsorship, tie up, agency or any other relationship is intended or created between Income and Trust Bank pursuant to this Promotion. Neither is this Promotion intended or deemed to be a connection with or use of the brand name of any party or its products/services.

These Qualifying Policies are underwritten and issued by Income. You can find the usual terms and conditions of the Qualifying Policies ("this policy") under ‘Your policy toolkit’ on Income's Travel Insurance page.

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

Trust Bank’s General Terms and Conditions apply. Log in to your Trust App under Profile > Legal > General Terms and Conditions.

Information is correct as at 06 November 2023.

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