• NTUC Travel Insurance Singapore Review

    Every year, millions of people all over the world go on vacation and come back wondering why in the world they didn’t purchase some travel insurance for their trip. Whether it’s that their baggage got lost in transit , or their credit cards got stolen, or that they fell sick with some stomach parasite and needed to go to a hospital for a few days - emergencies always arise. And that is exactly why people ought to consider travel insurance. NTUC Income Travel Insurance cuts through all the noise in that it simply guarantees some of the highest coverage in the market for pre-existing medical conditions and personal liabilities, not to mention almost unlimited evacuation coverage as well. Seeing as there are 9 plans for you to choose from, you decide which one meets your travel requirements best, to ensure smooth travels in the future.

    NTUC Standard Plans

    This policy comes in 3 plans: Classic, Deluxe, and Preferred. Which plan you decide to go with will depend entirely on your current travel needs and criteria.

    Standard Plans: Classic Key Highlights

    • Up to S$3,000 in loss of travel documents and passport coverage.
    • Up to S$5,000 trip cancellation coverage.
    • Up to S$10,000 overseas hospital allowance coverage.

    The NTUC Classic plan offers S$500 in the event you need to postpone your trip. It also provides S$5,000 in coverage should you unexpectedly need to shorten your trip while overseas. Should you injure a third party, or cause accidental damage to their property, you would have S$500,000 in personal liability coverage on your side to get you through the unfortunate incident.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    S$150,000 Up to S$250,000 Up to S$1,000 Up to S$1,000 Up to S$3,000

    Standard Plans: Deluxe Key Highlights

    • Up to S$5,000 in loss of travel documents and passport coverage.
    • Up to S$10,000 trip cancellation coverage.
    • Up to S$20,000 overseas hospital allowance coverage.

    The NTUC Deluxe plan provides S$1,000 should you need to postpone your trip and S$10,000 in case you need to shorten your trip due to unusual circumstances. You may also get unlimited emergency evacuation coverage under this plan. In addition to that, it also offers S$1 million in personal liability coverage. And finally, it offers S$10,000 in compassionate visit coverage, which is generous for its tier.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    S$200,000 Up to S$500,000 Up to S$1,500 Up to S$1,200 Up to S$5,000

    Standard Plans: Preferred Key Highlights

    • Up to S$8,000 in loss of travel documents and passport coverage.
    • Up to S$15,000 trip cancellation coverage.
    • Up to S$50,000 overseas hospital allowance coverage.

    The NTUC Preferred plan offers S$1 million in dental expenses incurred overseas coverage. This would be over and above what you would need, should you need emergency dental care, but is always useful to have to be on the safer side. This plan also offers S$5,000 for both kidnap and hostage cover, and home cover. Unlike other plans, it also provides S$2,000 in rental vehicle excess cover in the event you have to pay the rental company, should the vehicle you hired be damaged or stolen while in your care.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    S$500,000 Up to S$1 million Up to S$2,000 Up to S$2,000 Up to S$8,000

    What You Can Expect from NTUC Standard Plans Travel Insurance

    Plan/Coverage NTUC Classic NTUC Deluxe NTUC Preferred
    Type of trip cover Single/Annual Single/Annual Single/Annual
    Medical expense cover in Singapore Up to S$12,500 Up to S$25,000 Up to S$50,000
    Emergency medical evacuation cover Up to S$500,000 Unlimited Unlimited
    Travel inconvenience cover* Up to S$5,000 Up to S$10,000 Up to S$15,000
    Pre-existing medical conditions cover Not available Not available Not available
    Pregnancy cover Not available Not available Not available
    Personal liability cover Up to S$500,000 Up to S$1 million Up to S$1 million

    *Travel inconvenience cover includes: overbooked mode of transportation, trip cancellation, change of trip itinerary, trip postponement, missed connections, change of travel dates, delayed departure, missed departure, loss of baggage, delayed baggage, and loss of passport or travel documents, among others.

    NTUC Enhanced PreX

    Enhanced PreX travel insurance comes in 3 plans: Basic, Superior, and Prestige. The plan that is most appropriate for you will depend on what coverage and benefits you are seeking.

    Enhanced PreX: Basic Plan Key Highlights

    • Coverage up to S$5,000 for loss of travel documents and passport.
    • Up to S$10,000 provided as trip cancellation coverage.
    • Up to S$20,000 overseas hospital allowance coverage.

    The Enhanced PreX Basic plan is a basic plan that provides S$150,000 in coverage for pre-existing medical conditions. It is especially designed for you if you are looking to ensure none of your pre-existing conditions like high blood pressure, heart disease, diabetes, or asthma, acts up. Even if it does, the fact that you do not have to incur the costs alone and will be reimbursed for your medical treatment abroad, can be comforting. Lastly, it also provides up to S$10,000 in coverage should you need to shorten your trip while overseas - which is generous.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    S$200,000 S$500,000 Up to S$1,500 Up to S$1,200 Up to S$5,000

    Enhanced PreX: Superior Plan Key Highlights

    • Coverage up to S$5,000 for loss of travel documents and passport.
    • Up to S$10,000 provided as trip cancellation coverage.
    • Up to S$20,000 overseas hospital allowance coverage.

    The Enhanced PreX Superior plan provides S$10,000 in coverage should you need to shorten your trip halfway through your travels. In addition, up to S$2,000 in coverage will be given for any trip disruptions. It also offers S$150,000 in coverage for any pre-existing medical conditions you might suffer from while on your trip. Additionally, it offers S$10,000 in compassionate visit coverage and S$5,000 in home cover, should you need it. Finally, like the basic plan before it, it offers S$2,000 in rental vehicle excess cover in the event you damage your hired vehicle on your travels abroad.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    S$200,000 S$500,000 Up to S$1,500 Up to S$1,200 Up to S$5,000

    Enhanced PreX: Prestige Plan Key Highlights

    • Coverage up to S$8,000 for loss of travel documents and passport.
    • Up to S$15,000 provided as trip cancellation coverage.
    • Up to S$50,000 overseas hospital allowance coverage.

    The Enhanced PreX Prestige plan is special in that it maximises coverage on all fronts. It guarantees S$15,000 in coverage should you need to shorten your trip prematurely. It also provides S$300,000 in coverage for pre-existing medical conditions, which is among the highest across the board. Additionally, S$2,000 will be covered for any trip postponement on your part. And finally, it is unique in its S$300,000 coverage of accidental death due to public transportation, which is a double indemnity cover.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    S$500,000 S$1 million Up to S$2,000 Up to S$2,000 Up to S$8,000

    What You Can Expect from This NTUC Enhanced PreX Travel Insurance

    Plan/Coverage Enhanced PreX Basic Enhanced PreX Superior Enhanced PreX Prestige
    Type of trip cover Single/Annual Single/Annual Single/Annual
    Medical expense cover in Singapore Up to S$25,000 Up toS$25,000 Up toS$50,000
    Emergency medical evacuation cover Unlimited Unlimited Unlimited
    Travel inconvenience cover* Up to S$10,000 Up to S$10,000 Up to S$15,000
    Pre-existing medical conditions cover Up to S$150,000 Up to S$150,000 Up to S$300,000
    Pregnancy cover Not available Not available Not available
    Personal liability cover Up to S$1 million Up to S$1 million Up to S$1 million

    *Travel inconvenience cover includes: overbooked mode of transportation, trip cancellation, change of trip itinerary, trip postponement, missed connections, change of travel dates, delayed departure, missed departure, loss of baggage, delayed baggage, and loss of passport or travel documents, among others.

    NTUC TravelBliss

    TravelBliss travel insurance comes in 2 plans: Plan and Prestige. The plan that is most appropriate for you will depend on what coverage and benefits you require.

    TravelBliss: Plan Key Highlights

    • Up to S$5,000 cover for loss of travel documents and passport.
    • Up to S$10,000 provided as trip cancellation coverage.
    • Up to S$30,000 overseas hospital allowance coverage.

    The TravelBliss Plan provides S$500,000 in public transportation double cover. It does not provide any coverage for pre-existing medical conditions. It offers S$5,000 in coverage for pregnancy-related complications and illnesses. This coverage is one of the highest when compared to other plans in this tier. It also provides coverage for the unauthorised usage of your credit cards while overseas, pet care cover, and golf cover.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    S$250,000 Up to S$500,000 Up to S$1,000 Up to S$1,000 Up to S$5,000

    TravelBliss: Prestige Key Highlights

    • Up to S$5,000 cover for loss of travel documents and passport.
    • Up to S$20,000 provided as trip cancellation coverage.
    • Up to S$50,000 overseas hospital allowance coverage.

    The TravelBliss Prestige plan provides greater coverage than most plans out there. It begins with S$1 million in public transportation double cover and then goes on to offer S$1 million in overseas dental expenses coverage as well. Again, It does not cover pre-existing medical conditions. It offers up to S$10,000 in extensive coverage for pregnancy-related complications. Lastly, it is generous in its coverage of the fraudulent usage of your credit cards, pet care, and golf.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    S$500,000 Up to S$1 million Up to S$1,000 Up to S$1,000 Up to S$5,000

    What You Can Expect from NTUC TravelBliss Travel Insurance

    Plan/Coverage TravelBliss Plan TravelBliss Prestige
    Type of trip cover Single/Annual Single/Annual
    Medical expense cover in Singapore Up to S$30,000 Up to S$55,000
    Emergency medical evacuation cover Unlimited Unlimited
    Travel inconvenience cover* Up to S$10,000 Up to S$20,000
    Pre-existing medical conditions cover Not Available Not Available
    Pregnancy cover Up to S$5,000 Up to S$10,000
    Personal liability cover Up to S$1 million Up to S$1 million
    Additional Covers
    Golf cover Up to S$500 Up to S$1,000
    Pet care cover Up to S$250 Up to S$500
    Fraudulent use of credit card Up to S$250 Up to S$500
    Home contents cover Up to S$5,000 Up to S$10,00

    *Travel inconvenience cover includes: overbooked mode of transportation, trip cancellation, change of trip itinerary, trip postponement, missed connections, change of travel dates, delayed departure, missed departure, loss of baggage, delayed baggage, and loss of passport or travel documents, among others.

    NTUC Overseas Study Protection Plan

    This policy is special in that it is designed to provide maximum coverage for international students travelling abroad.

    Overseas Study Protection Plan Key Highlights

    • Up to S$500 in loss of travel documents and passport coverage.
    • Up to S$20,000 in study interruption coverage.
    • S$100,000 provided as criminal assault coverage.

    The Overseas Study Protection Plan offers unlimited coverage should you need to be sent home for emergency purposes while studying abroad. It also provides S$10,000 in compassionate visit coverage and S$100,000 in criminal assault coverage while you are abroad. Additionally, it provides S$1,000 in coverage in the event you lose your laptop thanks to a case of missing baggage. And lastly, do not forget the S$20,000 in coverage for study interruptions that comes with this student plan.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    S$200,000 Up to S$15,000 Up to S$1,000 Up to S$1,000 Up to S$1,000

    What You Can Expect from NTUC Overseas Study Protection Plan

    Plan/Coverage Overseas Study Protection Plan
    Type of trip cover Single/Annual
    Medical expense cover in Singapore Up to S$5,000
    Emergency medical evacuation cover Unlimited
    Travel inconvenience cover* Up to S$2,000
    Pre-existing medical conditions cover Not available
    Pregnancy cover Not available
    Personal liability cover S$300,000

    What Is Not Covered: General Exclusions

    • Any pre-existing medical conditions, outside those covered by NTUC Enhanced PreX plans.
    • Any loss or expense directly or indirectly arising from travelling against the advice of a medical professional.
    • Any complications arising from childbirth, menopause, abortion, or miscarriages.
    • Any sexually transmitted diseases or complications from HIV, AIDS, or any mutant derivative of them.
    • Any participation in professional or competitive sports where you stand to get monetary rewards.
    • Any extreme sports from parachuting, paragliding, hang-gliding, skydiving, and BASE jumping, to cave diving, and free flying, etc.
    • Any travels through, in, or to Iraq, Syria, Liberia, Afghanistan, or Sudan.
    • Any intentional self-inflicted injury whether it be suicide or attempted suicide - while insane or sane.
    • Any damage, loss, or injury incurred due to the influence of drugs or alcohol.
    • Any damage, loss, or injury directly resulting from a mental problem or insanity.

    Things To Consider Before Getting This Travel Insurance Plan

    Pre-existing conditions

    In the event that you suffer from complications arising from a pre-existing medical condition while overseas, you will not be covered by NTUC Income travel insurance. That is, unless you choose to purchase an NTUC Income Enhanced PreX plan - where all pre-existing conditions are covered extensively.

    Accidental death & disability

    Other than the TravelBliss plans, NTUC Income travel insurance does not provide double cover in the event of accidental death on public transportation while on your travels.

    Emergency medical evacuation

    All the NTUC Income travel insurance plans, except the NTUC Classic plan, offer unlimited emergency medical evacuation coverage. Hence, all your emergency needs will be covered should the occasion arise, so you won’t need to worry about emergency treatment or care while overseas in the slightest.

    Pregnancy

    Many insurers do not cover pregnancy-related complications because of the high risk involved. NTUC Income travel insurance plans are no different from the industry norm, except for the TravelBliss plans - which provide maximum coverage in this area.

    Unauthorised credit card charges

    NTUC Income travel insurance plans do not provide any coverage for the fraudulent usage of your credit cards. This is except for the TravelBliss plans, which provide up to S$500 in coverage. Not covering your stolen credit cards is not an uncommon practice among Singaporean insurers. In the event they do get stolen, you may have to incur the cost of replacing them on your own.

    Here’s How You Can Buy NTUC Income Travel Insurance

    You can purchase NTUC Income Travel Insurance through the following avenues:

    Online

    You can buy NTUC Income travel insurance online.

    Once your payment goes through, you will receive acknowledgement of your insurance purchase.

    Mobile app

    You can buy any of the NTUC Income travel insurance plans through the NTUC Income mobile app. This app is available on Google Play Store and the iOS App Store.

    NTUC Income Branch

    You can visit your nearest NTUC Income branch to purchase travel insurance to suit your needs.

    Income Adviser

    You can connect with any of our NTUC Income Advisers, or choose to use their online matching tool to find the right adviser to help you make your travel insurance purchase.

    How to File a Travel Insurance Claim

    Offline

    To file a claim with NTUC Income Travel Insurance, you must first download the claims form available on their website. Complete the necessary details on the printed form and then mail it with the supporting documents to the following address within 30 days upon returning to Singapore:

    Property & Casualty Claims

    Income, PO Box 0132

    Singapore 911802

    You can view the complete list of supporting documents needed to file a successful travel claim below:

    1. Personal accident cover

    • Original police report.
    • Original medical report in the case of permanent disability claim.
    • Original death certificate/autopsy report in the case of a death claim.
    • Proof of the relationship between the insured and the claimant.

    2. Medical expenses cover

    • Original medical bills/receipts/invoices.
    • Original flight ticket/boarding pass/passport which demonstrates the date of departure and date of return to Singapore.

    3. Compassionate visit expenses or the extension of your stay abroad cover

    • Original hospital bills/invoices.
    • Original Invoices/receipts for all your accommodations.
    • Original invoices/receipts for all your travel expenses (flight tickets, taxis, bus tickets, etc.).

    4. Trip curtailment or trip cancellation cover

    • Original flight ticket.
    • Original trip itinerary.
    • Original trip booking invoice.
    • Claim letter to the travel agency that confirms the refund amount.
    • Doctor's diagnosis report for serious illness/injury.
    • Original death certificate in the event that a death caused the cancellation.
    • Documents demonstrating insured's relationship with deceased/sick person.
    • Documents confirming travel agent's insolvency (only if applicable).
    • Documents confirming hijacking of insured's means of transportation, demonstrating at least 12 hours of interruption in your journey (only if applicable).

    5. Overbooked flight, travel delay, or missed connection cover

    • Original flight tickets.
    • Original boarding passes.
    • Confirmation letter from the relevant airline.
    • Original flight itinerary (only if applicable).

    6. Loss of personal baggage or travel documents cover

    • Original baggage loss or damage report.
    • Confirmation letter from airline indicating the compensation amount.
    • Original photographs of the damage to personal property.
    • Original police report in the case of lost items.
    • Original receipts/invoices for lost items.

    7. Emergency telephone charges cover

    • Original telephone bills indicating total refund amount.

    8. Loss of money

    • Original police report (if loss was reported within 24 hours of the incident occurring).

    9. Baggage delay cover

    • Original baggage delay report.
    • Original air ticket or flight itinerary.
    • Confirmation letter from airline indicating duration of delay.

    10. Home contents cover

    • Original police or SCDF report from the relevant authorities.
    • Original photographs of the damage.
    • Original receipts for the lost items.

    11. Rental vehicle excess cover

    • Original rental vehicle agreement.
    • Original police report of the accident.
    • Original invoices for rental vehicle excess or the bills for repairs made.

    Note: Other documents may be requested if found necessary. This list of documents is not exhaustive.

    Online

  • You may submit your claim online on their website for added convenience.
  • Claim form

  • You can find the online claim form online on NTUC Income’s website.
  • To download the form to submit in-person or via mail, kindly follow the instructions above.
  • NUTC Travel Insurance Hotline

    Customer service +65 6788 6616
    Emergency travel assistance helpline

    +65 6338 1222

    Email address pcc@income.com.sg

    Frequently Asked Questions

    Q. If I am already overseas, will I be able to purchase travel insurance?

    A. No. You may only purchase your travel insurance prior to setting off on your journey abroad. Should you buy it prior to purchasing your flight tickets, or before paying for your accommodation, it will even cover any cancellations.

    Q. Will I be covered while I am overseas if I am pregnant?

    A. Pregnancy-related issues are not covered, except in the case of the TravelBliss plans. The only notable exception would be in the case that a miscarriage is caused by accidentally falling or by a traffic accident.

    Q. If my trip got cancelled, what would I be entitled to?

    A. The transport expenses will be covered, whether it be by air, land, or sea. Accommodation costs, too, will be covered provided they are not refundable by the provider and have been paid out of pocket by you.

    Q. Will I be covered if I cancel my trip two months before my departure date due to serious illness?

    A. No. You will only be covered if you cancel your trip 30 days prior to your date of departure from Singapore - due to your illness.

    Q. If I missed my flight because my first flight was delayed, will I be covered by my travel insurance?

    A. Yes. You will be covered and receive a cash benefit as agreed upon in your purchased plan. This is provided there is no alternative transportation made available to you to continue your journey within 6 hours of your missed flight departure time.

    Q. Do I purchase a Deluxe plan for my child if they are travelling alone?

    A. Your child can actually be a policyholder if he/she is 16 years of age or older. You can purchase a Child Cover for them under all NTUC Income travel insurance plans.

    Q. Would it be possible to purchase one-way cover?

    A. One-way cover is only provided on a case-by-case basis. Kindly contact NTUC Income for more details.

    Q. Will I be able to only cover a certain portion of my trip abroad?

    A. No. The period of your insurance must cover your entire trip from the date of departure from Singapore to the date of arrival back to Singapore.

    Q. Can I purchase travel insurance from NTUC Income if I am travelling overseas to seek medical treatment?

    A. No. Our travel insurance policies only cover those travelling abroad on business or on holiday. Should you be looking to get medical treatment abroad exclusively, you will not receive coverage.

    Q. In the event that my watch or jewellery is lost or stolen while I am abroad, will I be covered?

    A. Yes. You will be covered up to the limit given on your insurance policy.

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