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Travel No Claims Discount

Get rewarded for safe travels

We want to celebrate your safe travels with you! If you do not make any claims from your travel insurance, you get additional up to 10% off your next travel insurance purchase on top of our promotions.

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Extensive Travel Inconvenience Benefits

Protects against common travel inconveniences unexpected

Includes Loss of Baggage, Personal Money, Personal Documents, Trip Delay, Trip Curtailment, Travel Postponement.

Immediate Medical Claims

Enjoy hassle-free post-journey medical claims

All you need to do is download the Medical App and flash your e-card at affiliated clinics for your post-journey medical consultation.

High Medical Overseas Benefit

Covers overseas medical expenses up to S$500,000

Includes Overseas Hospital Cash Benefit 

Learn more about the coverage

Disclaimers

Travel Protect360 is underwritten by HL Assurance Pte. Ltd. (“HL Assurance”) and distributed by HL Bank Singapore (“HL Bank”). It is not an obligation of, deposit in or guaranteed by HL Bank. This is not a contract of insurance. Full details of the terms, conditions and exclusions of the insurance are provided in the policy wordings and will be sent to you upon acceptance of your application by HL Assurance.

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 HL Assurance or visit the  General Insurance Association  or  SDIC  websites.

Car Protect360 is underwritten by HL Assurance Pte. Ltd. (“HL Assurance”) and distributed by HL Bank Singapore (“HL Bank”). It is not an obligation of, deposit in or guaranteed by HL Bank. This is not a contract of insurance. Full details of the terms, conditions and exclusions of the insurance are provided in the policy wordings and will be sent to you upon acceptance of your application by HL Assurance.

Requirements: 

• Adult : You must be at least 18 years of age as of your last birthday
• Child : You must be between 3 months old and 18 years old, or up to 25 years of age if you are studying full time in a recognised institution of higher learning at the commencement of this insurance.

*Age is calculated as at last birthday

Find out more about Travel Protect360 FAQs here .

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External Link Disclaimer

If you click ‘Continue’, you will leave the HL Bank website to access a third party website ("Third Party Website").

HL Bank has no control over the Third Party Website and has no liability in connection with your use of the Third Party Website.

HL Bank is not liable for how any information you may provide on the Third Party Website is handled or treated, or for any loss incurred in connection with you accessing the Third Party Website. HL Bank makes no warranties, representations or undertakings about the Third Party Website.

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First Travel Insurance in Singapore with NCD & Immediate Medical Claims

Single trip, 60% discount + travel vouchers + ncd *.

With our improved Travel Protect360, not only will you enjoy comprehensive coverage and travel vouchers, we are now rewarding you with No Claim Discount and Immediate Medical Claims.*

Please refer to below Single Trip Travel Insurance Promotion Terms and Conditions for more redemption details.

Annual Unlimited

50% discount + travel vouchers + ncd *.

Travelling more than twice in a year? Get our annual multi-trip policy and additional travel perks at just $0.48 / day. This could be better value than buying single trip insurance for each holiday!

Please refer to below Annual Multi Trip Travel Insurance Promotion Terms and Conditions for details.

Improved Travel Protect360 Benefits

More Reasons to stay protected with Travel Protect360 and why it’s the best travel insurance in Singapore.

Get Rewarded for Safe Travels

We want to celebrate your safe travels with you! If you do not make any claims from your travel insurance, you get additional up to 10% off your next travel insurance purchase on top of our promotions.

Immediate Medical Claims

Enjoy Hassle-free Post-Journey Medical Claims

All you need to do is download the Medical App and flash your e-card at affiliated clinics for your post-journey medical consultation.

Benefits of Travel Protect360

With Travel Protect360, you can be ready for all your adventures and travel with peace of mind. Travel Protect360 provides the comprehensive coverage you may need for your holiday.

Travel No Claims Discount

Immediate Post-Journey Medical Claims Cover

High Medical Overseas Benefit

Extensive Travel Inconvenience Benefits

Why you should choose Travel Protect360?

  preferred insurance.

Customer Review by Lee Meng Tong

Thank you so much for your efforts in processing and finalising my travel claims. My wife and I are very appreciative of the care and excellent service provided by you and your staff. Rest assured that HL Assurance would be our preferred insurance for all our travels.

  Full Of Sincerity

Customer Review by Elizabeth

I am surprised to receive such a heart warming email full of sincerity from you! It really shows that HL is a great organization with people like Jeffri and you, who’d go that extra mile to ensure your customers are happy and feeling valued by you! Good to know that my positive comments will be served as a motivational factor to your team!

  Ready Assistance Of Claims

Customer Review by Manjit Kour

Thank you so much for computing and finalising my travel claim. Your patience, politeness, ready assistance and kind understanding of my claim is much appreciated. I am glad that I renewed my annual cover earlier this year with HL Assurance.

  Amazing Service

Customer Review by Kimberly Sim

I appreciate the care and concern shown and the fact that I felt the sincerity of it all just over the phone, shows an amazing service from the heart. This empathy is not easy to come by and to have experienced it from each of you, I can’t say enough what a wonderful team you guys make.

  First Choice

Customer Review by Darren Wong

It is always a good experience of purchasing travel insurance with HL Assurance. This is my second claim with you all and the process is always swift. Customer service is always good, nice and prompt. That’s why for the passed 2 years and my upcoming trip, HL Assurance will always be my first choice.

No Claim Discount Programme Terms and Conditions

Promotion terms and conditions.

• Between the dates 01 November 2020, 1200 and 30 November 2020, 1200 (both dates inclusive), customers who purchase any Travel Insurance policy (Travel Protect360 Single Trip or Travel Protect360 Annual Trip) will be automatically be enrolled into Travel Protect360 No Claim Discount programme.
• For Travel Protect360 Single Trip Policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be eligible for a 5% discount promotion code.
• For subsequent travel purchase with the utilizing the 5% discount promotion code, where the policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be eligible for an additional 10% discount promotion code.
• Thereafter for subsequent travel purchase utilizing the 10% discount promotion code, where the policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be capped at 10% discount promotion code.
• For Travel Protect360 Annual Plan Policyholder(s) who has completed the policy period of 1 year and has no claims during the policy period and within stipulated timeframe of 30 days from the policy end date, will be eligible for a 10% discount promotion code refund upon the next Travel Protect360 Annual Plan renewal.
• Promotional codes provided for the Single Trip can only be utilised for the next Single Trip purchase and can only be used once.
• The promotional codes are not transferable.
• Should there be any claims incurred, the No-claims discount promotion code will be no longer be applicable.
• Each policy is only eligible to one promotion code.

Note:  Swipe left or right to view the full table on your mobile screen.

• HL Assurance at any time, at its sole discretion and without prior notice; can vary, modify, delete or add to these terms and conditions. Please refer to the policy wording for full details.
• In the event of any dispute, HL Assurance management’s decision is final.
• HL Assurance full disclaimers, terms and conditions apply to individual products. © 2020 HL Assurance is registered service mark of Hong Leong Group. HL Assurance Private Limited Co. Reg. No. 201229558W.
• “HL Assurance” means HL Assurance Private Limited.
• HL Assurance’s Travel Insurance is underwritten by HL Assurance Pte. Ltd. Co. Reg. No. 201229558W. This policy is protected under the Policy Owner’s 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 HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg). This is not a contract of insurance. Accordingly, the information should be read and construed in the light of, and subject to, all terms and conditions contained in the Policy. Full details are stated in the Policy.

Immediate Medical Claims Terms and Conditions (only applicable to Single Trip plans)

• Between the dates 01 November 2020, 1200 and 30 November 2020, 1200 (both dates inclusive), customers who purchase any Travel Insurance policy (Travel Protect360 Single Trip) will be entitled to cashless facility to be applied to Post Journey Medical Outpatient claim at HLAS’s partner – Integrated Health Plans Pte Ltd (“IHP”)
• Policyholder(s) will need to download “IHP App” from Play Store (for Android) or App Store (for IOS) and input the details provided in the email sent to the policyholder.
• Cashless facility will only be available to policyholder(s) who seek their 1st medical treatment from any of the IHP’s Singapore panel clinics within three (3) days after return from the Trip, up to S$100 per visit.
• Cashless facility is extended by 30 days from the date of 1st visit at any of the IHP’s Singapore panel clinics.
• Did not seek medical treatment within three (3) days after return from the Trip; AND/OR
• Cost of follow-up medical treatment exceed S$100
• Where Cashless facility is not applicable, policyholder(s) will then need to make payment upfront to the clinics and seek post journey medical claims on a reimbursement basis. A claim form and medical receipt(s) will need to be provided during submission of claims. Claims payout will be subject to HLAS’s approval

Travel Vouchers Terms and Conditions

• Between the dates 01 November 2020, 1200 and 30 November 2020, 1200 (both dates inclusive), enjoy 60% discount when you buy any new Single Trip plans.
• Between the dates 01 November 2020, 1200 and 30 November 2020, 1200 (both dates inclusive), enjoy 50% discount when you buy any new Annual Trip plans.
• This promotion is not valid with any on-going travel discounts, schemes or privileges.
• These promo codes are applicable for online purchase only via HL Assurance website at https://www.hlassure.com, and exclusively to participating partners.
• In addition, qualifying plan types are entitled to Free Gift during the promotion period.
• “Free Gift” are in the form of electronic voucher, promotion and/or discount codes provided by our Merchant(s) and will be emailed to the policyholder.
• Please note that each policy is only eligible for one (1) Free Gift and the Free Gift is while stocks last.
• The Free Gift are denominated in Singapore dollars and is not exchangeable for cash, other items or vouchers of other denominations.
• In the event where Policyholder has cancelled the policy after redeeming for the Free Gift, HL Assurance reserves the rights to request Policyholder to refund the Free Gift.
• HL Assurance is not the supplier and will not be liable for the goods and services provided by the Merchant(s) of the Free Gift.
• You will receive one Hotel Booking Promo Code (“HBPC”) for redemption at Agoda website (https://www.agoda.com/hlas).
• By utilising the HBPC at https://www.agoda.com/hlas thereof, you agree to be bound by Booking Holdings Inc terms and conditions.
• For qualifying Single Trip plan types, HBPC voucher has a value of $20 with a minimum spend of $250.
• For qualifying Annual Trip plan types, HBPC voucher has a value of $20 with a minimum spend of $250, and a value of $50 with a minimum spend of $500.
• HBPC is valid for booking by 31 December 2020 and check in by 30 June 2021.
• You will receive one Car Rental Promo Code (“CRPC”) for redemption at The Hertz Corporation website (https://www.hertz.com).
• By utilising the CRPC at https://www.hertz.com thereof, you agree to be bound by The Hertz Corporation terms and conditions.
• CRPC provides up to 10% discount off rentals worldwide or as determined by The Hertz Corporation.

What our Travel Insurance Covers

Policy owners’ protection scheme.

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 HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (  www.gia.org.sg  or  www.sdic.org.sg ).

Frequently Asked Questions for Travel Protect360

Q: can i continue my medical treatment for injury or sickness sustained overseas, when i return to singapore.

A: Yes. We pay for the medical expenses, up to the Sub-limit, reasonably incurred by you in Singapore within 30 days after your return from the trip.

Q: I am currently under medication for some medical conditions. Can I claim for medical expenses related to these medical conditions during the trip?

A: No. Our Policy excludes all pre-existing medical conditions prior to the trip.

Q: If I am pregnant, am I covered for any medical treatment incurred overseas?

A: No. Our policy does not cover any pregnancy-related issues.

Q: If I was injured or sick overseas but did not seek medical treatment, can I do so upon my return to Singapore?

A: Yes. The Company will indemnify you up to the Benefits Payable under the Policy for the treatment seek within three (3) days after your return from the Journey where initial treatment for Bodily Injury or Sickness was not sought overseas, up to a maximum of thirty (30) days from the date of first treatment in Singapore.

Q: Is dental treatment covered while I am overseas?

A: Yes, dental treatment is covered (as a result of Bodily Injury only).

Q: What is the time frame for submitting travel claim when I return to Singapore?

A: You will need to submit a claim within thirty (30) days upon returning to Singapore.

Q: What should I do if I lose my money or travel documents during my trip?

A: If your loss arises out of robbery, burglary or theft, you should report the loss to the local police within 24 hours after the loss / incident and obtain a written statement from the police to substantiate your claim.

Q: What should I do if I need assistance while overseas?

A: One of the benefits of our travel insurance is the 24 hours Travel, Emergency Medical and Evacuation Assistance which provides for loss of travel documents and baggages, air tickets arrangements, emergency medical evacuation, referral services for interpreter / translator, legal, embassy, hospital admission and other medical facilities etc. These services are available 24/7 by calling our Hotline at (65) 6922 6009.

Q: Will I be covered if I am going overseas to receive medical treatment?

A: No. We do not cover you if you are travelling contrary to the advice of any Qualified Medical Practitioner or for the purpose of obtaining medical treatment.

Q: What are the Terms and Conditions for Travel Protect360?

A: You can find out more about our Terms and Conditions for Travel Protect360 here .

Q: As an Annual Travel renewal customer, how do I find out the list of Healthway GP clinics ?

A: The list of Healthway GP clinics can be found here . Special rates will apply for renewal customers only.

Q: As an Annual Travel renewal customer, how do I find out the list of Healthway Dental clinics ?

A: The list of Healthway Dental clinics can be found here . Special rates will apply for renewal customers only.

For 24-Hour Emergency Travel Assistance Service, please contact 6922 6009 .

File a travel insurance claim, claims procedure and documentation.

Please submit your claim to us with the original Claim form and supporting documents within 30 days upon returning from your trip.

Common documents for all Travel Insurance Claims:

• Copy of flight itinerary
• Proof of travel, i.e. original boarding pass, air tickets, copy of passport etc.

Supporting documents needed when making a claim for:

• Medical Report and Medical Certificate
• Original Medical bills / receipts
• Death Certificate, autopsy report, coroner’s findings, if applicable (for death claim)
• Documentary proof of relationship between deceased and claimant (for death claim)
• Motor accident report / police report (for injury / death resulting from a traffic accident)
• Baggage loss or damage report / Property irregularity report from the carrier / airline
• Baggage tag(s) issued from the carrier / airline during check-in
• Written confirmation of carrier / airline’s settlement / rejection of claim for damage / loss of property
• Photographs of damaged items
• Original purchase receipts of damaged/lost items
• Copy of police report lodged at place of loss within 24 hours
• Receipts for replacement of passport / visa
• Transportation and / or hotel bills / receipts incurred for replacement of document
• Baggage delay report
• Written confirmation from carrier / airline on reason and duration of delay
• Acknowledgement receipt of baggage received
• Medical Report and other medical documents / Death Certificate
• Proof of relationship (if due to sickness, injury or death of related person)
• Written advice or medical certificate from a Registered Medical Practitioner to cancel / curtail trip
• Original tour booking invoice / receipt
• Travel agent and / or airline’s confirmation of the refund amount
• Original invoice / receipt for charges incurred in amending or purchasing additional air ticket (for trip curtailment)
• Written confirmation from carrier / airline on reason and duration of delay, overbooked flight, travel misconnection, and / or diversion
• Air ticket and Boarding pass
• Copy of police report lodged within 24 hours upon discovery
• Invoice of damaged items / quotations
• Original photographs of damaged items
• Do not admit any liability or make any offer, promise or payment without our prior consent
• Forward all correspondence / documents from third parties concerning the accident to us immediately
• Copy of police report lodged (if applicable)

We will contact you for any additional documents that may be required.

You may like to submit your claims online . Kindly note that it may take longer to process a claim if we require additional information or documents from you. For any claims enquiry, amendment of details or submission of supporting or original documents, please email our friendly claims officers at [email protected] with our acknowledgement reference number – MTC/YYYY/000000.

We will keep you updated on your claim by email. You can also call our hotline 69226003 to check on your claim.

Thank you for insuring with us.

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• HL Assurance Travel Insurance: What Are Its Strengths?

• Above average coverage for trip & baggage benefits than other cheapest plans
• Offers other perks like golf benefits
• Affordable for 2-week trips in Asia & ASEAN
• Doesn't coverage adventurous activity
• Doesn't offer the best medical benefits compared to some of its peers

We like to describe HL Assurance's travel insurance plans as bringing utility at a great price, with a couple extra perks. While HL Assurance's travel insurance Basic, Enhanced and Superior plans may not be the most glamorous, they will protect you where it counts, giving you good coverage for inconveniences like trip delays and lost luggage for near-unbeatable prices. To help you decide if HL Assurance has the right solution for your travel insurance needs, our team at ValueChampion has broken down each plan in detail in the following review.

Table of Contents

• HL Assurance Basic Plan
• HL Assurance Enhanced Plan
• HL Assurance Superior Plan

Sports Coverage

Claims information, summary of coverage, hl assurance travelprotect 360 travel insurance: what you need to know.

HL Assurance offers a range of affordable travel insurance plans at each tier that balance cheap prices and travel inconvenience coverage. It comes in three options for single-trip and annual plans: Basic, Enhanced and Superior. You can purchase either a single trip or annual policy as an individual or as a family.

HL Assurance travel insurance may appeal to those looking for policies that focus on trip inconvenience as it has above average trip cancellation and baggage loss or damage coverage. On the other hand, sports enthusiasts and adrenaline junkies should note that unlike many other travel insurance plans, HL Assurance does not cover any losses or damages incurred participating in a variety of adventurous activity, whether its parasailing or back-country skiing.

Notable Exclusions

HL Assurance has the standard exclusions including pre-existing conditions, war, travelling against the advise of your doctor or the government, pregnancy related expenses and a plethora of sports and adventurous activity including parasailing, mountaineering and bungee jumping. Below you'll find an abridged version of HL Assurance's exclusions, but you should always read the policy document carefully to know exactly what you won't be covered for.

HL Assurance Travel Insurance Basic Plan

HL Assurance's Basic Plan, one of the more affordable travel insurance options available in Singapore for single-trip plans, stands out in two main ways. First, HL Assurance's Basic plan is one of the cheapest plans on the market regardless of trip duration or destination. Second, by focusing its coverage on the most likely causes of traveller's dismay, trip and baggage delays, HL Assurance's Basic Plan shows itself to be a utilitarian plan that may well save the day on your next family holiday. HL Assurance travel insurance offers about three times as much coverage as Budget Direct Basic, Etiqa Basic and FWD Premium for flight and baggage delays (up to S$1,000 each) and offers about twice as much coverage for baggage loss per item as the aforementioned insurers. Thus, if one of your main concerns when flying is baggage/trip delays and loss of baggage, HL Assurance travel insurance is a high-value pick.

HL Assurance Enhanced Plan Travel Insurance

Aside from its affordability, HL Assurance Enhanced is an affordable mid-tier travel insurance plan and can be a good option if you are looking for a bit more coverage than what is offered with basic travel insurance plans. Unlike the Basic plan, it stands out with its pricing but fails to impress with its coverage. Whereas the basic plan provided benefits that were above average for basic plans, the Enhanced plan provides below average coverage in all areas besides evacuation and baggage loss and damage. If you are looking for a plan with excellent medical coverage, then you can opt for the similarly priced DirectAsia plans. On the other hand, we recommend Allianz if you want a plan with high levels of cancellation, delay and baggage loss coverage.

HL Assurance Superior Plan Travel Insurance

HL Assurance's Superior Plan offers below-average levels of coverage within the premium tier of travel insurance plans for relatively inexpensive prices. However, it tends to rank among the cheapest 3 plans among other top-tier plans for 2-week trips to ASEAN countries or other countries in Asia and ranks quite well as a mid-tier annual plan for trip inconvenience due to its above average coverage for trip cancellation and baggage loss. As HL Assurance's top-tier single trip option, we think you'll be better served by a different plan as it offers below average medical and trip inconvenience coverage. This is especially true if you are looking for a top-tier plan with the hopes of getting hard to find benefits and perks, as HL Assurance doesn't offer sports or adventure coverage, has paltry golf benefits and no terrorism coverage.

HL Assurance doesn't have the most comprehensive sports coverage. It only has a hole-in-one benefit for golfers and no coverage for your sports equipment. You are also not covered for rafting, canoeing, bungee jumping, jet skiing, ski racing, back-country/off-piste skiing, hang gliding, parasailing, bobsleighing, mountaineering or rock climbing. You are covered for scuba diving as long as you are either qualified or are scuba diving with an instructor.

You can submit claims with HL Assurance online or download and mail their pdf form within 30 days upon returning from your trip. You have to submit your original, signed claim form, copy of flight/itinerary, and copy of boarding pass/air tickets/passport. For claim-specific documents, HL Assurance's claims page has a breakdown of every document accepted depending on event.

Even though travel insurance is an optional purchase, it can be a lifesaver in the event of an accident. That's why it's important that you choose a plan that will give you good coverage for the best possible price. Below, you will see a summary of how HL Assurance compares in price and coverage to the industry's overall averages. If you would like to see how HL Assurance compares to other plans on the market, you can read our guide to some of the best travel insurance policies in Singapore.

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Anastassia is a Senior Research Analyst at ValueChampion Singapore, evaluating insurance products for consumers based on quantitative and qualitative financial analysis. She holds degrees in Economics and International Business Management and her prior working experience includes work in the capital markets sector. Her analyses surrounding insurance, healthcare, international affairs and personal finance has been featured on AsiaOne, Business Insider, DW, Vice, Her World, Asia Insurance Review, the Australian Institute of International Affairs and more.

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We strive to have the most current information on our site, but consumers should inquire with the relevant financial institution if they have any questions, including eligibility to buy financial products. ValueChampion is not to be construed as in any way engaging or being involved in the distribution or sale of any financial product or assuming any risk or undertaking any liability in respect of any financial product. The site does not review or include all companies or all available products.

6 Best Travel Insurance with COVID-19 Coverage in Singapore (May 2024)

COVID-19 might be the last thing on your mind…but it could be the first thing to ruin your next trip. Whether you end up quarantined overseas or have to cancel the holiday entirely, there are plenty of ways COVID-19 could make a vacation go awry. And that’s before you consider things like lost luggage, flight delays , getting pickpocketed, and more.

Good news—there’s an easy way out. Before you jet off to your  dream travel destination , don’t forget to buy travel insurance . Covering you for your potential travel disruptions, travel insurance is the next most important thing besides your flight ticket!

Most insurance providers have added COVID-19 coverage to their travel insurance plans, but to varying extents. Some have COVID-19 as an optional add-0n that you have to purchase. Coverage wise, some providers offer far better COVID-19 protection than others.

Find out how to choose, what to look out for, and the cheapest travel insurance you can buy with our comparison of the best travel insurance with COVID-19 coverage  in Singapore and their ongoing promotions.

Promotions are generous this May 2024— you could even win a Rolex Oyster Perpetual 124200 34mm Silver (worth S$9,000) or a Samsonite Robez 68/25 EXP (worth S$550)—we’re giving away 1 every week!

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• What do I do if I test positive for COVID-19 during or after travelling?

1. Best travel insurance with COVID-19 coverage

With the sheer number of travel insurance providers out there, it can be overwhelming to compare everything against everything else. We know that pain, because that’s exactly what we’ve just done.  Wipe away those tears of exasperation— we’ve done the legwork for you and picked out the top 6 travel insurance plans in Singapore:

Why are these the top 6? We’ve compared them based on affordability, COVID-19 cover inclusion, emergency medical coverage, and trip cancellation coverage. (If you’re an adventure seeker, that’s more niche—refer to this article for all the best travel insurance for extreme sports and outdoor adventure instead.)

Ready to dive into the deets? We compared the coverage and prices of most popular  travel insurance plans with COVID-19 coverage in Singapore. So if you’re looking for a specific type of coverage for your travel needs, e.g. high trip cancellation coverage, this is a better summary table for you to work with:

Note: All travel insurance options above are before promotional discounts are applied. Unless otherwise stated, all include COVID-19 coverage.

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2. Bubblegum Travel Insurance

Bubblegum travel insurance  is a great option if you’re looking for fuss-free, essential coverage at affordable rates. Bubblegum’s travel insurance model is simple, offering just 1 travel insurance plan. Here are its pricing and coverage benefits:

If fuss-free, essential travel insurance is your top priority, we think Bubblegum is a good option for you. Their travel insurance is all-inclusive with coverage for travel inconveniences like cancellations and delays, and also gives you coverage for COVID-19 related expenses at no additional cost.

If you’re a thrill-seeker looking at adventurous activities, Bubblegum Travel Insurance will also cover you for hot air ballooning, scuba diving and skiing, with no restriction on height or depth.

Bubblegum travel insurance promotion

Total Premium

[Receive your cash as fast as 30 days*]    • Enjoy 10% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$25  via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.

Key Features

Bubblegum offers just 1 affordable plan to suit all your travel needs to maximise your savings

Overseas medical expenses up to $150,000 SGD (Covid-19 sub-limit of $65,000 included)

24-Hour global Emergency Assistance services including Emergency Medical Evacuation and Repatriation

Covid-19 trip related cancellation/curtailment up to $600 SGD included

Adventurous activities like scuba diving and hot air ballooning are covered with no limit on depth or height.

Bubblegum is currently offering a 10% discount on all their travel insurance plans. That means you can cover a 7-day trip to ASEAN with just $38—about $5+ a day !

Truth is, the discount is even greater when you consider the fact that Bubblegum will also give you an eSIM and iShopChangi vouchers when you purchase Bubblegum travel insurance:

• Eskimo Global 1GB eSIM with every policy purchased.
• Up to S$25 via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.

Promotion valid till 31 May 2024.

3. FWD Travel Insurance 

FWD travel insurance offers some of the cheapest travel insurance plans in Singapore, so this is a budget-friendly option which still offers you great value for every dollar. I like that coverage for emergency medical evacuation is unlimited for all tiers, and overseas medical expenses go up to a generous $1,000,000.

Here’s a quick run-through of the price and benefits offered by FWD travel insurance plans:

When you’re purchasing FWD travel insurance, the COVID-19 benefits are an add-on. The price of the COVID-19 add-on costs between $11 to $22  depending on the part of the world you’re travelling to. If you choose to add it on, it’ll give you comprehensive coverage of the following:

• Trip disruption
• Trip cancellation
• Overseas hospital cash
• Hospital cash while in Singapore
• Medical expenses
• Emergency medical evacuation and repatriation

The plan reimburses your travel-related expenses if you are diagnosed with COVID-19 no more than 30 days before your scheduled departure date, or if you have to change your itinerary because of a COVID-19 diagnosis while overseas. You also get to claim medical expenses and a hospital cash benefit if you get hospitalised overseas or for up to 14 days in Singapore upon your return.

On top of that, there’s also an automatic policy extension of up to 21 days should you be prevented from travel as per foreign government regulations due to:

• You contracting COVID-19; or
• You or your travel companion needing to be self-isolated due to being in close contact with someone diagnosed with COVID-19

Read the full T&Cs of FWD’s COVID-19 coverage .

FWD travel insurance promotion

[ Win a Rolex, Samsonite Luggage & More!   | MoneySmart Exclusive]      • Enjoy 25% off your policy premium • Get S$20 iShopChangi e-voucher   and Eskimo Global 1GB eSIM with every policy purchased. T&Cs apply.      BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly      Increase your chances of winning when you refer friends  today. T&Cs apply

Enjoy cashless medical outpatient treatment in Singapore, access to emergency assistance and your travel policy documents through the FWD SG app!

Add on coverage for COVID-19 available for both Single & Annual Trips for travel period of 90 days or less.

Optional add on coverage available when your trip is cancelled for any reason for Single Trips. (To be purchased within 7 days of your initial trip deposit for your trip).

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$150,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

Plan Highlights

Covid-19 protection, leisure activities.

Currently, you can take 25% off the prices for all FWD travel insurance tiers. That brings the rate for a 7-day ASEAN trip down to $25 to $43, or just $3+ to $6 a day !

Plus, receive  S$20 iShopChangi e-voucher and an Eskimo Global 1GB eSIM with every policy purchased.

We haven’t gotten to the really good part yet. Purchase FWD Premium , FWD Business , or FWD First travel insurance and stand a chance to win over $11,000 worth of prizes in our Grand Draw ! Prizes include:

• 1x Rolex Oyster Perpetual – 124200 34mm Silver (worth S$9,000)
• 1x Samsonite Robez 68/25 EXP (worth S$550) weekly

Increase your chances of winning by referring your friends.

Valid till 31 May 2024.

4. Starr Travel Insurance

Starr’s travel insurance   Starr TraveLead Comprehensive is a leader in terms of how customisable their insurance is. When signing up, medical coverage (including COVID-19 coverage) is automatically included in all plans, but you can choose whether or not you want to add trip coverage (e.g. document loss, travel delay) and baggage coverage (e.g. baggage delay). Then, you can also easily add riders for Golf Protection, Cruise Vacation, Scuba Diving, and Snow Sports.

Starr TraveLead Comprehensive comes in 3 tiers: Gold , Silver and Bronze . While all are pretty comprehensive (as the name suggests), we advise you go for at least Silver . This affords you $500,000 overseas medical coverage, as well as $30,000 medical coverage for COVID-19 and $250 coverage for COVID-19 related trip curtailments and cancellations. You won’t get the COVID-19 trip curtailment/cancellation coverage in the Bronze plan, which only offers $15,000 for COVID-19 medical coverage. Better be safe and  go for Silver or Gold.

Here are the prices and coverage amounts for each tier. Prices are given with trip coverage included in the plan.

Note: Starr also has a travel insurance called Starr TraveLead Essential, which also comes in Bronze , Silver and Gold tiers. They look very attractive because of their low prices—for example, Starr TraveLead Essential Bronze costs just $20 for a 7-day trip to an ASEAN destination.

However, unless you’re on a really tight budget, I wouldn’t recommend these plans because of their more limited coverage. For example, while the Starr TraveLead Essential Bronze plan does cover you for $200,000 worth of overseas medical expenses (which is already the bare minimum), it doesn’t cover you at all for trip cancellation and loss/damage of baggage. Neither do the Silver or Gold tier plans.

Starr Travel Insurance promotion

Starr TraveLead Comprehensive Silver

[ Win a Rolex, Samsonite Luggage & More!   | FLASH DEAL]   • Enjoy 50% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$50 via PayNow OR 1 x Apple AirTag (worth S$45.40) and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.    BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly    Increase your chances of winning when you refer friends  today. T&Cs apply

For Cruise to nowhere insurance: Find out more here

Flexible coverage allows you to create a travel insurance plan with different types of coverage and add-ons that can adapt to your needs

Overseas Covid-19 related medical expenses of up to $30,000 SGD included (Excluding China).

Covid 19 Trip related cancellation/curtailment up to $250 SGD included (Excluding China).

Covers Travel Expenses for return of Child(ren) during the hospitalisation of the insured person.

No sublimit or restriction on outpatient expenses and number of visits

24 hours Global Emergency Assistance Services help you when you need it most, connecting you with medical treatment and transportation

Seamless and Cashless claims via PayNow

Please note that travelling to Russia and Ukraine is not covered in Starr’s insurance with immediate effect.

With the ongoing 50% discount promotion on Starr travel insurance, prices are very affordable. Coverage for a week-long ASEAN trip is just $27 (under $4 a day), while a trip of the same duration to countries like USA costs $33 (under $5 a day).

Plus, you’ll receive attractive gifts when you buy Starr travel insurance on MoneySmart:

• Get  an Eskimo Global 1GB eSIM  with every policy purchased.
• Additionally, receive  up to S$50  via PayNow  OR   1 x Apple AirTag  (worth S$45.40) and  up to S$20 iShopChangi e-voucher  with eligible premiums spent.

The best part? Purchase Starr TraveLead travel insurance of any tier and stand a chance to win over $11,000 worth of prizes in our Grand Draw ! Prizes include:

5. MSIG Travel Insurance

MSIG travel insurance is categorised into 3 plans— Standard , Elite , and Premier . The cheapest, basic plan still offers pretty adequate coverage in medical emergencies and trip cancellations or delays.

Here’s a quick run-down of the plan’s key benefits:

One more unusual area of coverage that MSIG includes is emergency dental expenses. You get $5,000 to $15,000 in coverage, depending on the travel insurance tier you select.

MSIG’s Areas A and B refer, roughly speaking, to ASEAN and Asia respectively. Here’s a more comprehensive list of the countries in each category:

• Area A : Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam
• Area B : Australia, China (excluding Inner Mongolia and Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan and including countries in Area A
• Area C : Worldwide

MSIG Travel Insurance’s COVID-19 coverage is an automatic inclusion to its travel insurance plans and offers the following coverage:

• Trip cancellation, postponement, shortening, disruption
• Replacement of traveller
• Overseas medical expenses
• Emergency medical evacuation
• Overseas quarantine daily cash allowance

This is quite a decent list of benefits, but do note that daily hospital cash allowance is missing from the list.

MSIG travel insurance promotion

MSIG TravelEasy Standard

[ Win a Rolex, Samsonite Luggage & More!   | MoneySmart Exclusive]     • Enjoy up to 40% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) and  up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.     BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly     Increase your chances of winning when you refer friends  today. T&Cs apply

COVID-19 coverage of up to $150,000 medical cover and up to $1,500 travel inconvenience benefit for your trip protection.

Packaged tour coverage for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies).

Get covered across all TravelEasy Plan types with a high limit of S$1,000,000 for emergency medical evacuation & repatriation

MSIG provides cover for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies)

Currently, you can take 40% off all MSIG travel insurance plans with their ongoing promotion. That means your 7-day ASEAN trip now costs just $37 to $70 to cover compared to $62 to $116.

On top of the 40% discount, you’ll receive these goodies with your MSIG travel insurance purchase:

• Get an Eskimo Global 1GB eSIM with every policy purchased.
• Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) and up to S$20 iShopChangi e-voucher with eligible premiums spent.

You’ll also stand a chance to win big in our Grand Draw , which has over $11,000 worth  of prizes up for grabs. These include:

6. Singlife Travel Insurance

Singlife travel insurance comes in 3 tiers— Lite , Plus , and Prestige . The price you pay and the coverage you’ll get increase with each plan.

Here are Singlife travel insurance’s key prices and benefits:

On top of the coverage above, Singlife also covers you for chiropractor and/or Chinese physician treatment : $250 ($50 per visit) for Lite, $500 ($75 per visit) for Plus, and $1000 ($100 per visit) for Prestige.

As far as COVID-19 coverage goes, here’s a quick run-down:

• Emergency medical evacuation, repatriation
• Overseas quarantine allowance
• Trip cancellation, postponement, interruption

While Singlife travel insurance’s coverage for non-COVID medical expenses, travel delay and trip cancellation is comprehensive, we have to dock some points for the lack of overseas hospital cash allowance and pretty low COVID-19 trip cancellation coverage.

Also, do note that the lowest tier, Lite, doesn’t come with certain coverage, such as trip cancellation or postponement for any reason and COVID-19 overseas quarantine allowance.

Singlife travel insurance promotion

Singlife Travel Plus

[Receive your cash as fast as 30 days*]     • Enjoy 25% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$30  via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.

Covers trip cancellation and trip curtailment for any reason, T&Cs apply.

Covers trip interruptions or cancellations due to COVID-19 and cover your medical treatment should you contract COVID-19 whilst overseas and in Singapore.

Coverage for loss of frequent flyers points, hotel points & credit card points.

Payout of S$100** should your trip be affected by excessive rainfall.

**For single trips (minimum 3 days) where more than 50% of trip duration is affected by rainfall levels of >6.4mm in a 24-hour period.

Seamless claims experience with PayNow

It’s a win-win situation—get 25% off your Singlife travel insurance premiums with these goodies thrown in:

•  Get  an Eskimo Global 1GB eSIM  with every policy purchased.
• Additionally, receive  up to S$30  via PayNow and  up to S$20 iShopChangi e-voucher  with eligible premiums spent.

7. Etiqa Travel Insurance

Do you hate making travel insurance claims? I do. That’s why when a friend of mine told me that you don’t need to make any claim on Etiqa to receive compensation for your flight delay, I was very intrigued.

I’ve been fortunate—all my recent flights have left on time. But from what I’ve heard from friends who weren’t as lucky on their recent travels, it’s true that Etiqa has the most seamless claim process for flight delays . All you need to do is enter your flight details when purchasing your insurance. Etiqa will monitor your flight and know if your flight is delayed (to count as a delay, it needs to be pushed back at least 3 consecutive hours). If that happens, they’ll transfer money into your Etiqa TiqConnect eWallet—even if you don’t submit a claim! You can then encash that sum via PayNow.

On top of this travel delay claim benefit, Etiqa also provides flight check-in reminders and baggage belt collection details via SMS when you land. I experienced this myself when I bought Etiqa’s travel insurance for my trip to the UK this year. Now that’s what I call service.

Etiqa’s travel insurance is called Tiq Travel Insurance  and comes in 3 tiers: Tiq Entry , Tiq Savvy , and Tiq Luxury . Here are their costs and coverage components:

Tiq Entry is sufficient to give you essential coverage for travel disruptions. But if you’ve just a little more to spend, go for Tiq Savvy . This will more than double your coverage limit for overseas medical expenses from $200,000 to $500,000 for just an additional $5 a week—that’s less than $1 a day.

[MoneySmart Exclusive | FLASH SALE]     • Enjoy 40% off your Single Trip policy premium and 60% off Covid-19 add-on for Annual Plans. T&Cs apply • Get S$10 iShopChangi e-voucher with every policy purchased.  T&Cs apply.     [Etiqa's 10th Year 2024 Grand Draw] Stand a chance to win S$10,000 cash or a Singapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth S$173) with eligible Etiqa/Tiq by Etiqa plans purchased. T&Cs apply.

Comprehensive COVID-19 add-on, protecting you before, during and after your trip

Covers Cruise to Nowhere

Get paid upon a 3-hour flight delay, even without submitting a claim

Instant claims encashment via PayNow

24-hour worldwide emergency travel support

The only disadvantage to Tiq travel insurance is that COVID-19 coverage is not included in the base price and you’ll have to pay for their optional  COVID-19 Add-On to be covered. Some people might say this is an advantage—it gives you a greater degree of flexibility to decide if you want to have COVID-19 coverage or not, especially as COVID-19 becomes less and less prevalent. However, the fact remains that you need to pay extra for it compared to travel insurance plans where COVID-19 coverage is already included.

Here’s how much the COVID-19 Add-On will cost for a 7-day trip:

Costs are based on quotes generated on Etiqa at time of publishing.

To be covered for travel disruptions and medical expenses related to COVID-19, you’ll need to add the costs above to the base Tiq travel insurance prices.

Etiqa travel insurance promotion

Comprehensive Covid-19 add-on, protecting you before, during and after your trip

Enjoy  40% off Tiq Single Trip Travel Insurance plans —that means your week-long ASEAN trip now costs just $23 instead of $39 under Tiq Entry.

Getting annual travel insurance instead? Get  60% off the COVID-19 add-on for Annual Plans!

From now till 15 Aug 2024, purchase Tiq travel insurance to enter  Etiqa’s 10th Year 2024 Grand Draw . 5 lucky winners will walk away with  $10,000 cash , and 150 will receive a S ingapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth $173)!

8. Cheapest travel insurance in Singapore

When I buy travel insurance, I don’t really care whether the insurer has 900 years of experience or if the plan comes with extra coverage for Chanel bags. Just give me the cheapest travel insurance plan can  l iao !

If that sounds like you too, you’ll be glad to know we’ve done the legwork for you. After assessing the most popular travel insurers in Singapore, the honour of cheapest travel insurance in Singapore goes to… FWD travel insurance .

FWD Premium

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$50,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

But as the old saying goes, you get what you pay for. Will you regret being a cheapskate and lose out on important coverage if the only number you look at is the price?

In a way, yes. Because FWD travel insurance is only the cheapest option with 2 caveats.

Firstly, travel insurers have limited-time discounts all the time. This is no secret. It does, however, make it difficult to compare prices when an expensive plan is on 40% off but a cheaper one is on 10% off. That’s why for the table above, we compared base prices without discounts .

But when you take into account promotional prices, which plan is the cheapest? There’s no need to open a million tabs to compare every travel insurance plan out there. Just use our travel insurance comparison tool  with the “Lowest Price” filter on. You’re welcome!

The second caveat is this: FWD came out the cheapest when we looked at its price  without its COVID-19 add-on. If you’re looking for a travel insurance plan that includes coverage for disruptions due to COVID-19 (which you should!), the real winners are  Amex travel insurance and  Singlife travel insurance .

Singlife Travel Lite

Covers trip interruptions or cancellations due to COVID-19 and cover your medical treatment should you contract COVID-19 whilst overseas.

Covers rental vehicle excess up to S$500.

Payout of S$50** should your trip be affected by excessive rainfall.

At the end of the day, ask yourself what specific travel insurance coverage you want to have, and assess the travel insurance options to find one that suits your needs.

Need some help? Read our travel insurance guide to understand all you need to know about choosing the best travel insurance. Don’t forget to use our travel insurance comparison tool to seamlessly compare plans across different providers in Singapore. We also have a comparison tool for travel insurance in Hong Kong !

9. Does travel insurance cover COVID-19?

When the COVID-19 pandemic started, most insurers did not extend their coverage to COVID-19-related mishaps. (Read more here .) The pandemic was quickly considered a “known event”, which insurers usually do not offer compensation for. So, if your flight got cancelled because of COVID-19, you’d be out of luck trying to get your insurance claims approved.

Now that practically all travel restrictions are lifted, insurance companies are rushing for a slice of the pie. Since the virus looks like it’s here to stay, most insurers are offering coverage that includes specific benefits for COVID-19. Where COVID-19 benefits aren’t already included in the policy, insurers offer an optional COVID-19 rider you can pay for to add on to the existing regular coverage.

Read your policy documents carefully to see if COVID-19 is covered, and add it on if you need to.

10. How do I choose the best travel insurance with COVID-19 coverage?

COVID-19 coverage  can vary quite a bit from insurer to insurer . When you’re shopping for the best insurance policy,  there are 4 things you want to look out for when it comes to choosing the best travel insurance with COVID-19 coverage:

• Medical expenses coverage

Do note that the plans still exclude travelling against a travel advisory put in place by the Singapore government or by the local authority at your trip destination. Meaning, if your destination country goes on red alert for COVID-19, visitors are highly likely to come into contact with the virus and your insurance is highly likely to reject any COVID-19 claims. So be sure to check announcements on both ends before you depart.

Another common exclusion is failing to take precautions against COVID-19. This is worded kinda vaguely in those lengthy insurance policies, but could include not following any COVID-19 regulations at your destination or on the plane. So make sure you wear your mask whenever it’s required (or even when it’s not, if you want to play extra safe) and don’t attend any illegal raves.

11. What do I do if I get COVID-19 during or after my travels?

First of all, when booking your trip, you should retain all receipts, tickets and itineraries in case your trip has to be cancelled or altered.

At the first sign of a COVID-19 infection or related travel disruption, you should call your insurer and ask for guidance. Many insurers maintain a 24-hour hotline for travel claims. Save that number before you depart Singapore so that you aren’t stuck somewhere without wi-fi or 4G to Google the hotline.

To make a claim , you will usually have to submit your insurer’s form with supporting documents by the deadline mentioned in your contract (usually 30 days). Don’t wait until you’re back in Singapore to check which documents you need.

If you catch COVID-19 while you’re in Singapore , you will likely have to submit the results of a PCR Swab Test or Antigen Rapid Test conducted at a clinic or hospital.

It gets a bit more complicated if you’re overseas . The insurer will likely require documentation from the hospital as well as a doctor’s letter stating that you are unfit to travel and/or recommending treatment.

If you need to be quarantined overseas , you should make sure you have a quarantine order from the government, otherwise you may not be able to claim for quarantine allowance. Remember to ask for this as not all countries automatically issue such documentation.

ALSO READ: COVID-19 Travel Insurance Claim Guide

Planning to get travel insurance for your next trip? Learn how to claim for COVID-19 here!

About the author

Vanessa Nah  is a personal finance content writer who pens articles on the ins and outs of travel insurance, the T&Cs of credit cards, and the ups and downs of alternative investments. She’s a researcher at heart and leaves no stone unturned when it comes to breaking down complex finance concepts and making them easy to understand for the everyday Singaporean. When Vanessa’s not debunking finance myths, you’ll find her attending dance classes, fingerpicking a guitar, or (most im paw tently) fulfilling her life mission to make her one-eyed cat the most spoiled and loved kitty in the world.

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[ Win a Rolex, Samsonite Luggage & More!   | FLASH DEAL]   • Enjoy 50% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$50 via PayNow OR 1 x Apple AirTag (worth S$45.40) and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.    BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly    Increase your chances of winning when you refer friends  today. T&Cs apply

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Destination: Thailand

Duration: 25 May 2024 - 27 May 2024

FWD Premium

[ Win a Rolex, Samsonite Luggage & More!   | MoneySmart Exclusive]      • Enjoy 25% off your policy premium • Get S$20 iShopChangi e-voucher   and Eskimo Global 1GB eSIM with every policy purchased. T&Cs apply.      BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly      Increase your chances of winning when you refer friends  today. T&Cs apply

DirectAsia Voyager 1000 Annual Plan

[ Win a Rolex, Samsonite Luggage & More!   | FLASH DEAL]    • Enjoy 40% off your policy premium • Receive up to S$25  via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent. T&Cs apply.    BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly    Increase your chances of winning when you refer friends  today. T&Cs apply

Great Eastern TravelSmart Premier Classic

[MoneySmart Exclusive]    • Enjoy up to   40% off your policy premiums • Get S$10 iShopChangi e-voucher with every policy purchased.  T&Cs apply.

Singlife Travel Plus

[Receive your cash as fast as 30 days*]     • Enjoy 25% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$30  via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.

AIG Travel Guard® Direct - Supreme

[Receive your cash as fast as 30 days*]    • Get up to S$220 worth of cash and rewards with eligible premiums spent. • Additionally, receive an Eskimo Global 1GB eSIM with every policy purchased.  T&Cs apply.

Allianz Travel Basic

[Receive your cash as fast as 30 days*]   • Enjoy an exclusive 57% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$45  via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.

[MoneySmart Exclusive | FLASH SALE]     • Enjoy 40% off your Single Trip policy premium and 60% off Covid-19 add-on for Annual Plans. T&Cs apply • Get S$10 iShopChangi e-voucher with every policy purchased.  T&Cs apply.     [Etiqa's 10th Year 2024 Grand Draw] Stand a chance to win S$10,000 cash or a Singapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth S$173) with eligible Etiqa/Tiq by Etiqa plans purchased. T&Cs apply.

Total Premium*

The Wise Traveller Premium

Starr TraveLead Comprehensive Bronze

Great Eastern TravelSmart Premier Elite

Allianz Travel Platinum

DirectAsia Voyager 250 Annual Plan

The Wise Traveller Secure

FWD Business

AIG Travel Guard® Direct - Enhanced

Starr TraveLead Comprehensive Gold

Allianz Travel Silver

Singlife Travel Lite

Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Buy Travel Insurance Plan Online

What customers say about their travel insurance purchase, review by doreenngsk ng.

"Purchased travel insurance on Moneysmart with cash rebate deal. Great value after discount. MS is good platform to peruse available travel policies to choose from, giving us choices to consider appropriate for our requirements."

As seen on Google

Review by Ron Tay

"I always use MoneySmart when i need a travel insurance..... It easy and convenient to use, let me easy to compare each travel insurance package..... Highly recommended!"

Review by Jodel Tan

"Purchasing travel insurance was easy, fast and smooth... had a good deal of getting cashback by purchasing the insurance. Steps from claiming to receiving the cashback was simple too. A good experience overall."

What Do Travel Insurance Plans Cover?

While pricing is a an important factor when comparing travel insurance plans, other features such as overseas medical coverage, trip cancellation coverage and many other related aspects are as important. These benefits and the extent of coverage for each type of benefit usually varies from insurer to insurer. Here are a few aspects you’ll want to look out for when it comes to choosing a suitable travel insurance with adequate coverage .

Overseas medical expenses

In the event you get diagnosed with some sort of unexpected disease, you’ll be able to claim for the necessary and reasonable overseas medical costs incurred within a certain number of days of your trip (usually 90 days) up to the limit as specified according to your selected plan. For some plans there are also tiered coverage limits for different age groups.

In-hospital cash overseas or allowance

Reimbursements for in terms of cash for hospital stays is another benefit that many insurers include in their plans now, especially after the Covid-19 pandemic.

Emergency medical evacuation and emergency medical repatriation

This is one of the fundamental aspects of every coverage plan. Any costs incurred for emergency medical evacuation and repatriation (including repatriation of mortal remains back to Singapore) that are related to your severe injury/illness diagnosis will be covered.

Keep in mind to have someone on your behalf to contact the insurer’s emergency service to provide your full name, dates of trip, NRIC/FIN number, policy number, name of the place and the telephone number that your insurance provider can reach you, as well as the nature of help required during the emergency, in case you are unable to do so during the emergency.

Trip cancellation/alteration/interruption/delay

Trip cancellations, postponements, delays, and interruptions are often covered if you as the traveller or you relatives travelling with you are diagnosed with a severe illness/get severely injured before the date of departure, subject to terms and conditions.

Pre-existing conditions

This benefit is not commonly included in most travel insurance plans, but currently there are several insurers providing such plans and they include MSIG TravelEasy® Pre-Ex, Income Insurance Enhanced PreX® (formally known as Income) and Etiqa Pre-Ex. The premiums are higher than regular plans, but they provide overseas medical expenses that cover pre-existing conditions.

Does Travel Insurance Cover Cancelled Flights?

Not always! While all travel insurance policies have a "Trip Cancellation" benefit, you can only claim for this if it's for an insured event, such as a serious illness or accident, or unforeseen events such as riots or natural disasters. However, different insurers exclude different scenarios, so it's best to read the policy wording carefully. The following are types of flight cancellations that are NOT covered by travel insurance.

Flight Cancellation Due to Known Event

Flight cancellations due to events which are already made known as public knowledge are not covered by travel insurance, as you are expected to have known about these at the point of buying your tickets. However, if you bought your flights and activated your travel insurance before they became public knowledge, you might still be able to make a claim.

Flight Cancellation with Refund / Replacement

If your flight was cancelled but you were put on a replacement flight, or your fare was refunded, you will not be able to make a travel insurance claim under the trip cancellation benefit. In general, travel insurance is only for unrecoverable costs. However, you may claim for trip delay benefits, such as an extra night's accommodation or extra meals.

You Cancelled Your Own Flight / Trip

Travel insurance typically covers insured events that are beyond your control. If you are the one who changed your mind about your trip, you generally won't be able to claim anything - unless your insurer offers a "Cancellation for Any Reason" benefit. However, in public health emergencies like the COVID-19 outbreak, airlines usually waive the usual penalties for flight cancellations, out of goodwill.

Different Types Of Travel Insurance Coverage

Single trip plans.

If you’re thinking of only taking one or two trips in a year, single-trip travel insurance is probably more suitable for you. As the name suggests, single-trip insurance plans are made for individual travellers, and those who are travelling as families, who need travel coverage for a single trip or holiday, especially for long overseas trips (usually up to 180 days).

It makes more economic sense for those who don't travel very often, plus, single-trip insurance plans can be purchased easily online, with less time in planning and consideration as compared to annual multi-trip plans. But on the flip side, you’ll face the hassle of getting a new travel insurance policy every time you go on an overseas trip. For some, a single-trip insurance plan can get relatively expensive if the trips are short.

Annual Multi-trip plans

Annual travel insurance plans, which are also known as multi-trip travel insurance plans, are designed for those who travel several times in a year. The great thing about this kind of travel insurance is that you only need to do the purchase once, and you’re covered for the next 12 months. It is a good option if you’re a frequent traveller who intends to make many long trips or short weekend getaways abroad in a year.

Individual plans

Going solo as an occasional traveller or frequent traveller means that you’ll most likely need a single-trip individual travel insurance plan or an annual multi-trip travel insurance plan, depending on the frequency of travel.

Family plans

Family travel insurance plans usually cover you and the members of your family who travel with you on your trip, with a maximum number of adults and children to be insured per policy purchased. The people who are insured under a family travel insurance plan may comprise of you and your spouse, and/or your children or grandchildren.

You may want to consider purchasing a family travel insurance plan if you are travelling with your family and thinking of getting a single policy for your family members who are travelling with you, as getting a family travel insurance plan can be more cost-effective than getting separate single trip plans for each family member. What if you and your loved ones are travelling very often as a family? Some travel insurers also offer annual multi-trip travel insurance for families who are frequent travellers.

Single-trip or Annual multi-trip plan - Which one should you pick?

Now that we've detailed out what the different types of travel insurance plans are, it’ll be easier for you to make a decision. If not, here are some examples to help you understand better.

Joshua flies frequently in and out of the country for his business trips. As he works as a legal advisor, his job requires him to travel between Singapore and Thailand twice or once a month. Each trip will last for about a week. In this case, multi-trip travel insurance works best for him as he wouldn't have to keep getting travel insurance before every trip.

Lisa and Amanda are university friends planning to take a long post-graduation trip to Australia. They seldom travel and even if they did, they go on overseas vacations once a year with their own families. For them, the single travel insurance policy is a more suitable choice Australia .

How Do I Choose The Best Travel Insurance?

When choosing travel insurance plans for your holiday or business trips, there are several factors to consider, depending on your priorities. Here are four simple steps to pick a suitable travel insurance plan.

Check general coverage

Instead of deciding solely by price, you should compare the benefits and reimbursement limits for common claims like medical expenses, trip cancellations, flight delays and baggage theft and/or damage.

Compare policy premiums

How much your travel insurance costs depends on your destination and length of stay. Most travel insurance companies have 2 to 3 tiers of plans at different price points, with varying comprehensiveness and reimbursement limits.

Special activities coverage

The breadth of coverage needed largely depends on your itinerary. For instance, if you’re planning to go skydiving, make sure you get a policy that covers aerial sports like MSIG’s TravelEasy® Standard, Elite and Premier plans. Or if you’re going golfing overseas, pick a policy that insures your equipment.

Consider the trip duration

This is one of the important determining factors of which kind of travel insurance you get. Single trip travel insurance plans are usually for short trips. If you’re the kind who travels far and for months, it might be worthwhile to consider buying annual travel insurance.

Unlike single trip travel insurance, annual travel insurance often charges a flat premium and insures you for an entire year of travel. It usually costs about $200 to $300 per year, which is more suitable for a frequent traveller who is probably going to travel overseas more than 7 or 8 times a year, at least.

Best Travel Insurance Plans in Singapore Benefits Coverage

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• 15 Rookie Mistakes To Avoid While Travelling in Europe
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• Travel Safety: Tips for Women, LGBTQ+, and Persons with Disabilities
• Best Travel Insurance Plans For Female Solo Travellers
• Should I get travel insurance from all-in travel agency packages?
• Moneysmart's Travel Insurance Promotion
• Starter Guide :How To Claim Travel Insurance
• Top 5 Reasons Why Travel Insurance Claims Are Rejected
• Are Travel Aggregators Harder to Claim From?

Travel Surveys

• Top 12 Airlines With Most Cancellations and Delays

Travel Insurance Claims

How do travel claims work.

Before you make a claim from your travel insurance provider, there are several important things to take note of, whether it is for claims related to your COVID-19 diagnosis, loss of baggage, trip cancellation, or other reasons. These include knowing what type of plan you purchased, when did the incident/illness occur (pre-trip, during-trip or post-trip), what belongings or items to claim for, and who are involved.

Here are 3 simple steps to submit your travel insurance claim

Get your supporting documents ready.

Most travel insurers require claims within 30 days. Submit via mail, WhatsApp, their app, or online portal to avoid policy breaches. Keep originals for 6 months in the event the travel insurance provider needs to sight them. Required documents often include personal info, medical reports, ownership proof, trip records, and reports (e.g., police, airline).

Fill in your details and attach your supporting documents in your submission

Log in to your insurer's claims app or portal. Fill in your info, and the necessary details for the claims (email address. policy number, departure date or policy purchase date), upload soft copies of your documents and submit. Alternatively, mail hard copies of your original documents.

Receive an acknowledgement email and await for settlement

After submitting, you'll receive an acknowledgment email. Your claim will be reviewed. For COVID-19-related claims, contact the provided hotline or email. Upon approval, your insurer will coordinate payments, often offering cashless reimbursement through PayNow or iBanking for speed and convenience.

Frequently Asked Questions

What is travel insurance and how does it help me, what's the difference between single-trip or annual multi-trip travel insurance.

When you buy travel insurance you can choose from 2 types of policies, either the single trip or annual multi-trip travel insurance plan. Single trip travel insurance covers you for a single trip and is usually for individual travellers, or those who are travelling as families, who need travel coverage for a single trip or holiday, especially for long overseas trips (usually up to 180 days).

Annual travel insurance plans, which are also known as multi-trip travel insurance plans, cover you for all trips starting and ending in Singapore, and are designed for those who travel several times in a year, each trip lasting for about less than 180 days. You should consider buying Annual Travel Insurance if you travel frequently (more than 10 times a year). You will enjoy significant savings, and you won't have to worry about purchasing travel insurance every single time as you’ll be covered for the entire year.

Are family travel insurance plans cheaper?

Can i buy travel insurance once i'm overseas, how do i compare travel insurance policies, what are the best travel insurance for east and southeast asia countries.

We have written a quick guide on buying the best travel insurance to the nearby countries whether you are travelling to Malaysia , taking a weekend trip to Thailand , holidaying in Bali , planning a trip to Japan or a getaway to South Korea . Before jetting off, here are the 5 must have list of travel essentials that you will need when on holiday.

Does travel insurance cover flight cancellation due to illness?

Is there a difference between family travel insurance plans and group travel insurance plans, we asked singaporeans about flight disruptions, and they answered..

Find out the worst airlines with delays and cancellations according to Singaporean travellers.

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Best Travel Insurance Plans in Singapore 2024: A Comprehensive Guide

• Loan Advisor Team
• May 25, 2024
• Article , Personal Finance

With travel rebounding post-COVID-19, securing travel insurance that covers COVID-related incidents has become crucial. 

Highlighting this trend, a recent report from the Straits Times reveals that insurers, including Prudential Singapore, are extending COVID-19 coverage for their customers. 

Furthermore, experts like Mr. Alan Wong from Prudential emphasize the importance of reviewing the limits of COVID-19 coverage in travel insurance policies, ensuring it covers potential losses from trip cancellations to medical expenses, marking a significant consideration for anyone planning to venture abroad.

This guide aims to help you choose the best travel insurance plan, ensuring you’re well-informed for a stress-free travel experience, regardless of your destination or duration of your trip.

Best Travel Insurance Plans in Singapore With Covid-19 Coverage

At a Glance

Comparative Analysis

FWD Travel Insurance stands out for budget-conscious travelers with its affordable premiums and customizable plans, offering strong protection including COVID-19 benefits. 

In contrast, Singlife with Aviva targets a more premium market with higher premiums but offers unlimited medical coverage and unique benefits like rainfall protection, alongside automatic COVID-19 coverage for all plans.

Comparatively, NTUC Income’s Enhanced PreX plans, with premiums up to S$150, address a niche market of travelers with pre-existing conditions, offering an unparalleled value proposition for those often underserved by traditional travel insurance products.

This highlights the diverse options available, catering to different needs and preferences, from budget to luxury travel and those with pre-existing conditions, ensuring informed choices for all travelers.

More details below: 

1. FWD Travel Insurance

FWD Travel Insurance is a prominent provider in the Singaporean market, recognized for its competitive pricing and extensive coverage options. The company is part of FWD Group, a major insurance business in Asia offering a range of insurance products and services.

Top Features:

• Comprehensive Coverage: FWD offers plans that may cover trip cancellations, medical expenses, and damage or loss of personal belongings. This is essential for peace of mind during your travels, ensuring you’re protected against unforeseen events.
• COVID-19 Protection: FWD provides enhanced travel benefit add-ons for COVID-19, helping you to travel with confidence.
• 24-Hour Assistance: FWD stands out for its worldwide emergency assistance available 24/7, ready to help you whenever you need it, wherever you are.
• Customizable Plans: FWD policies are flexible, allowing you to choose and pay for only what you need—be it for a single trip or multiple trips throughout the year.

Coverage Details:

• Trip cancellation and loss of deposit: S$7,500 to S$15,000
• Medical expenses overseas: S$200,000 to S$1,000,000
• Theft of or damage to your personal belongings: S$3,000 to S$7,500
• Personal liability while on your trip: S$500,000 to S$1,000,000

Please visit FWD for full information about the benefits of each plan.

Policy Options Available: Premium Plan, Business Plan, and First Plan

Premium (for a 7-day Single trip, Individual, ASEAN destination, before promo):  S$31.50 to S$55.44

“The FWD app was easy to use and the application process for my flight delay was simple, just needed my flight itinerary. Within a few days, the reimbursement was transferred via PayNow!” –  Joanne Chua

2. HL Assurance Travel Protect360

HL Assurance, a key player in the Singapore insurance market, delivers a range of travel insurance products with comprehensive benefits. Their plans are structured to cater to various consumer needs, whether for single trips or for more frequent travelers requiring annual coverage. The HL Assurance’s COVIDSafe Travel Protect 360 plan offers three tiers of plans – Enhanced, Superior, and Premiere. 

Note that their Basic Plan does not include Covid-19 coverage.

• Annual Multi-Trip Plans: For those who travel frequently, their annual multi-trip insurance policy potentially offers more value than purchasing separate policies for individual trips.
• COVID-19 Coverage: Recognizing the ongoing concerns related to the pandemic, HL Assurance has adapted its policies to include COVID-19 coverage, ensuring you have peace of mind in these uncertain times.
• Immediate Medical Claims: They facilitate immediate medical claims, reducing your stress and toiling through paperwork in urgent situations.
• Comprehensive Protection: You can expect a robust protection net for trip cancellations, lost luggage, and medical emergencies that could occur during your journey.
• Trip cancellation and loss of deposit: S$5,000 to S$15,000
• Overseas medical expenses: S$150,000 to S$750,000
• Theft of or damage to your personal belongings: S$3,000 to S$8,000

COVID-19 Coverage Details:

• Overseas medical expenses: S$50,000 to S$200,000
• Trip cancellations or disruptions: S$1,000 to S$3,000
• Overseas quarantine allowance: S$50/day to S$150/day up to 14 days
• Emergency repatriation: Unlimited for Enhanced, Supreme, and Premier

Please visit HL Assurance for full information about the benefits of each plan.

Policy Options Available: Basic, Enhanced, Superior, and Premiere plans

Premium (for a 7-day trip to an ASEAN destination, before promo):  S$42 to S$73

“Found travel insurance rates are competitive with the discounts. Hope to purchase for future travels if rates remain competitive. Great to receive policies on the same day of purchase and email notifications to keep me updated. Great service! Thanks” – Sam Ng

3. MSIG Travel Insurance

MSIG Singapore, part of the prestigious MS&AD Group, offers the TravelEasy Insurance plan, renowned for its comprehensive coverage encompassing more than 50 benefits. This plan notably includes COVID-19 coverage for both Single Trips and Annual Travel Insurance Plans without the need for additional purchases.

It offers peace of mind with coverage for travel cancellations, flight delays, and overseas medical expenses among others. This approach ensures travelers are well-protected under a wide array of circumstances, reflecting MSIG’s dedication to high standards of insurance provision.

• Comprehensive Coverage: Offers protection against travel cancellations, flight delays, overseas medical expenses, and more, with over 50 benefits included.
• COVID-19 Coverage Included: Automatically provides COVID-19 travel insurance for both Single Trips and Annual Plans, without the need for add-ons.
• Flexible Plan Options: Available in single or annual plans for both individuals and families, accommodating a wide range of travel needs.
• Specialized Features: Includes unique offerings like replacement of travelers, emergency medical evacuation with high coverage limits, cover for insolvency of licensed travel operators, and support for delayed departures due to various unforeseen circumstances.
• Overseas medical expenses: S$250,000 to S$1,000,000
• Overseas medical expenses: S$75,000 to S$200,000
• Trip cancellations or disruptions: S$3,000 to S$5,000
• Overseas quarantine allowance: S$50/day to S$100/day up to 14 days
• Emergency repatriation: S$1,000,000 for all plans

Please visit MSIG for full information about the benefits of each plan

Policy Options Available: Standard Plan, Elite Plan, and Premiere Plan

Premium (for a 7-day trip to an ASEAN destination, before promo):  S$38 to S$68

“First time buying from MSIG online. After some comparisons, their plans were the most comprehensive at the right price inclusive of covid cover (they had the best coverage suitable for elderly people as I bought for my parents). The process was nothing out of the ordinary and had no glitches. Gave me peace of mind which ultimately served my goal of insurance” – Stephen Lin

4. Singlife with Aviva Travel Insurance

Singlife with Aviva offers a range of travel insurance policies that fit various types of travelers. Whether you’re embarking on a short-term vacation or a series of trips throughout the year, their tailored insurance products aim to provide significant coverage. In early 2023, Singlife with Aviva updated its brand to Singlife.

This insurance provider offers an array of policies in Singapore, including travel insurance plans starting from S$39.77. Their travel insurance is structured into three tiers – Lite, Plus, and Prestige – catering to different needs and preferences, all including automatic COVID-19 coverage for both single and annual multi-trips.

• Seamless Claims with PayNow: Enjoy the convenience of receiving claims payouts directly through PayNow, linked to your NRIC/FIN.
• Unlimited Overseas Medical Expenses: Benefit from unlimited coverage for overseas medical expenses, ensuring comprehensive protection.
• Travel Assistance Helpline: Access a dedicated helpline for assistance with travel emergencies and information about your destination countries.
• Rainfall Protection: Get compensated up to S$150 if your trip is significantly affected by excessive rainfall, adding an extra layer of protection against weather disruptions.
• Trip cancellation and loss of deposit: S$5,000 
• Overseas medical expenses: S$250,000 to S$2,000,000 (Unlimited for Travel Prestige plan)
• Personal liability while on your trip: S$250,000 to S$2,000,000
• Trip cancellations or disruptions: S$500 to S$2,000
• Overseas quarantine allowance: S$50/day to S$100/day up to 14 days (Travel Lite does not cover overseas quarantine)
• Emergency repatriation: S$30,000 to S$500,000 (Unlimited for Travel Prestige plan)

Please visit Singlife for full information about the benefits of each plan

Policy Options Available: Travel Lite, Travel Plus, Travel Prestige

Premium (for a 7-day trip to an ASEAN destination, before promo): S$43.51 to S$86.05

“Highly Recommend Aviva. Dependable Insurer who was truly concerned for client’s welfare! Heartfelt Thank you to Aviva!” – Dawn Tan

5. DBS Chubb Travel Insurance

DBS Chubb Travel Insurance, a partnership between DBS Bank and Chubb Insurance, provides extensive insurance coverage for travelers in Singapore. This collaboration combines DBS’s banking expertise with Chubb’s insurance proficiency to offer products that are both accessible and dependable.

The TravellerShield Plus policy comes in three tiers: Classic, Premier, and Platinum plans. Plus, it comes with comprehensive COVID-19 coverage.

• Comprehensive COVID-19 Coverage: TravellerShield Plus provides automatic COVID-19 coverage, including for unvaccinated children.
• Broad Protection for Travel Abroad: Coverage includes overseas medical expenses, post-return medical expenses, journey cancellation, and loss or damage to personal property and baggage.
• Cruise Coverage: Specialized benefits for cruise trips, including medical expenses and emergency medical evacuation, with an option for pre-existing condition coverage.
• Optional Pre-Existing Medical Condition Benefit: Offers an add-on benefit for coverage of conditions like asthma, diabetes, heart conditions, etc.
• Overseas medical expenses: S$300,000 to S$1,000,000 
• Theft of or damage to your personal belongings: S$3,000 to S$5,000
• Trip cancellations or disruptions: S$2,500 to S$7,500
• Overseas quarantine allowance: S$100/day for each plan (vary in limits; up to S$1,400)
• Emergency repatriation: S$50,000 to S$200,000 (Unlimited for Travel Prestige plan)

Please visit DBS for full information about the benefits of each plan

Policy Options Available: Classic, Premiere, Platinum plans

Premium (for a 7-day trip to an ASEAN destination, before promo): S$75 to S$122

“Extremely good service from Chubb during my recent claim, which was settled without argument (in fact they gave me advice to claim more than my initial claim – ethics is alive and well!).” – Bruce Ford

6. NTUC Income Travel Insurance

NTUC Income Travel Insurance is a highly regarded provider known for its reliable coverage that safeguards travelers against unforeseen events. Offering a variety of plans, Income Insurance Singapore ensures protection ranging from medical expenses to travel inconvenience.

• Comprehensive Plans: Choose from standard to enhanced coverage, including options for pre-existing conditions. The Travel Insurance Standard Income Enhanced PreX plan is particularly notable for travelers with pre-existing medical conditions.
• COVID-19 Coverage: Ensuring you travel with confidence, even in uncertain times, certain plans include coverage for COVID-19-related incidents, helping you handle the challenges of traveling during a pandemic.
• Specialized Benefits: Enjoy benefits such as coverage for medical expenses after your trip, which can provide solace for ailments like motion sickness after a cruise. 
• Extensive Coverage: Apart from medical and travel inconvenience, the insurance also covers damage to personal belongings, ensuring you’re compensated for losses or damages sustained during your travels.

Coverage Details (Standard Plans):

• Personal liability while on your trip: S$150,000 to S$400,000
• Overseas medical expenses: up to S$1,000,000
• Trip cancellations or disruptions: Up to S$15,000
• Emergency repatriation: Unlimited 

Please visit NTUC Income Travel Insurance for full information about the benefits of each plan

Policy Options Available: 3 tiers of plans for Standard (Classic, Deluxe, and Preferred) and Enhanced PreX plans (Basic, Superior, and Prestige)

Premium (for a 7-day trip to an ASEAN destination, before promo): S$68.36 to S$108.73 (Standard Plans); S$103 to S$150 (Enhanced PreX Plan)

“Fortunately the claims are smooth and easy to submit. I managed to get FULL 100% public & private hospital bill claims (5 fig $) including pre & post hospital visits to clinics which are also claimable. They didn’t take too long to reimburse me either.” – 1ting

Good to Know

What are included in the travel insurance with covid-19 coverage.

Travel insurance plans in Singapore focus on comprehensive coverage, including medical expenses due to COVID-19, quarantine allowances, and trip cancellations or disruptions caused by the pandemic. Plans vary in terms of coverage limits, eligibility, and additional benefits like emergency evacuation. 

Travelers must compare specifics, such as coverage amounts and exclusions, to find the plan that best suits their needs and travel destinations. For detailed comparisons and specifics on each plan, please refer to the succeeding sections.

How to Choose a Plan With COVID-19 Protection

When traveling amidst ongoing health concerns, securing travel insurance with adequate COVID-19 coverage is paramount. Look for policies that specifically offer protection against pandemic-related eventualities. 

Consider this example provided by Mr Wong in a report by Channel News Asia : “For example, airfare costs S$3,000 and accommodation costs S$2,000 but the trip cancellation limit is only S$2,500. Thus only part of the cost is covered,” 

To help you choose a plan, here are a few tips:

• Compare Different Plans: Start by comparing various travel insurance policies to find one that offers the most comprehensive coverage for trip cancellation due to COVID-19.
• Pandemic-Related Eventualities: Ensure the policy specifically covers pandemic-related situations, including trip cancellation if your plans change because of COVID-19.
• Medical Bills Coverage: Look for policies that include coverage for medical expenses if you contract COVID-19 while abroad, including hospitalization, treatment, and medical evacuation if necessary.
• Quarantine Allowances: Evaluate the benefits of coverage for quarantine allowances and trip interruptions caused by the pandemic. Knowing potential quarantine costs are covered can offer significant peace of mind.
• Ease of Claims: Consider the process for making claims related to COVID-19. Some insurers provide straightforward and hassle-free claim processes, which can be less stressful during a challenging time.
• Reliability and Customer Support: Pay attention to the insurance provider’s reliability and the level of customer support offered, especially for handling COVID-19-related issues. Good customer support can make a significant difference in your experience.
• Review COVID-19 Coverage Details: Meticulously review the specifics of the COVID-19 coverage offered by the travel insurance plan to ensure you are adequately protected against the unexpected.

Budgeting Tips for Travel Insurance

When planning a trip, it’s important to factor the cost of travel insurance into your budget. Travel insurance can protect you from unforeseen expenses caused by emergencies, such as trip cancellations, medical issues, or baggage loss. As you compare travel insurance plans, look for comprehensive coverage at a price that suits your financial plan.

Understanding the Costs

When budgeting for travel insurance in Singapore, it’s crucial to understand the factors that influence the cost of a policy. Prices can vary significantly based on the duration of your trip, the destination, coverage level, and your age. 

For example, a two-week trip to Europe might cost significantly more to insure than a weekend getaway to a neighboring country due to the increased risk and medical costs in different regions.

• Destination: High-risk destinations or those with higher medical costs may lead to higher premiums.
• Duration: Longer trips typically cost more to insure.
• Age: Older travelers may face higher costs due to increased risk of health issues.
• Coverage Level: Opting for comprehensive coverage, including COVID-19-related events, will increase the premium.

Policy Options and Pricing

Singaporean travelers have a wide range of policy options to choose from, with premiums adjusted accordingly. For instance:

• Basic Plans: Starting from as low as S$20 for a week-long trip within Asia, covering essentials like medical expenses and trip cancellation.
• Comprehensive Plans: Can range from S$50 to over S$100 for the same duration, offering extensive coverage including COVID-19, lost baggage, and travel delays.

Using Price Comparison Tools

Leverage online comparison platforms to compare policies from different insurers. These tools can provide a clear overview of what you’re getting for your money, helping you find the best deal that fits your needs and budget.

• Benefits: Easily compare the cost and coverage details side by side.
• Convenience: Simplifies the process of finding a suitable insurance plan.

Discounts and Deals

Keep an eye out for promotions and discounts that insurers frequently offer. Signing up for a policy through a bank, for example, can sometimes yield discounts or additional perks.

• Credit Card Offers: Some credit cards provide free travel insurance if you book your trip with the card.
• Early Bird Discounts: Purchasing your insurance well in advance can also save money .

Budget Allocation

As a rule of thumb, allocate 6-7% of your total trip cost to travel insurance, according to NerdWallet . This percentage ensures that you are adequately covered without significantly impacting your overall travel budget. For a S$2,000 trip, for instance, setting aside S$120 to S$140 for travel insurance is a prudent choice.

How to Get the Best Value for Money

When looking for travel insurance in Singapore, your goal should be to balance cost-effective premiums with comprehensive coverage. Begin by itemizing your specific needs based on your travel itinerary. Consider the nature of your trip, destinations, duration, and any unique activities you plan to undertake.

Here are a few tips:

Using Comparison Tools and Calculators 

Comparison tools allow you to view a range of travel insurance options side by side. This makes it easier to see which policies offer the best value for the specific coverages you need.

• Efficiency: Quickly compare multiple plans from various providers.
• Customization: Filter results based on your specific travel needs and preferences.
• Cost-Effectiveness: Identify which plans offer the most comprehensive coverage at the best price.

Aside from that, many insurance websites also offer calculators that can help you estimate the cost of your travel insurance based on trip details such as destination, length of travel, and the total cost of your trip.

• Budget Planning: Get a ballpark figure of your insurance costs to aid in budgeting.
• Coverage Analysis: Some calculators suggest the type and amount of coverage you might need, based on the information you input.

Look for Discounts

• Early Bird Discounts: Some insurers offer discounts for purchasing your policy early.
• Group Rates: If traveling with a group, look for policies that offer discounted rates for multiple travelers.
• Loyalty Programs: Check if the insurer offers discounts for repeat customers.

Read Reviews and Ratings

Customer reviews and ratings can provide insight into the insurer’s customer service and claims process. Websites like Trustpilot, Google Reviews, and the Better Business Bureau are good sources for such reviews.

Understand the Fine Print

Know what is not covered. For example, some policies may not cover adventure sports unless you pay extra. Additionally, you should check how each policy handles pre-existing medical conditions.

Consider the Total Value, Not Just the Price

A cheaper policy might seem attractive, but it’s important to consider what’s covered. A slightly more expensive policy might offer significantly better coverage, which could save you money in the long run if you need to make a claim.

Additionally, Mr Chandramogan , an executive senior financial planner with Great Eastern Singapore, also highlights that the expertise of an agent could simplify the process when you purchase travel insurance, ensuring proper documentation and guidance, highlighting the significance of evaluating overall benefits and support when choosing travel insurance.

“Imagine you are overseas and you are in an accident, I doubt you will be in the right frame of mind to know how to do your own claim,” he said, noting that buying travel insurance policies online can be “slightly cheaper,” Mr. Chandramogan said in an interview with Channel News Asia.

Common Mistakes to Avoid When Buying Travel Insurance

When you’re shopping for travel insurance, being informed is key to choosing the right policy. Avoid these common mistakes to ensure you’re properly protected on your travels.

• Purchasing Too Late: Your travel insurance should be effective from the moment your trip is booked, not just from the departure date. 
• Overlooking the Fine Print: Policies vary, and what travel insurance gets you may differ from your assumptions. Carefully review your policy to know exactly what’s included and the limits of coverage.
• Assuming Credit Card Coverage is Enough: Check the coverage limits and exclusions of your credit card travel benefits and consider supplemental insurance if necessary.
• Ignoring Exclusions and Pre-Existing Conditions: Be aware of the policy’s exclusions and buy additional coverage if you have health concerns or plan to engage in higher-risk activities.
• Choosing Based Solely on Price: Compare benefits and coverage levels to make sure you’re getting the best value for your money, and consider spending a bit more for comprehensive protection.

The travel insurance landscape in Singapore offers a diverse range of options, each tailored to distinct travel needs and budgets. Important factors such as overseas medical coverage, trip cancellation, and protection for personal belongings have been addressed to ensure you make an informed choice.

Key Takeaways

• FWD offers cost-effective plans with comprehensive and COVID-19 coverage.
• HL Assurance is designed for families, while MSIG caters to solo travelers, both offering robust COVID-19 protection.
• Singlife with Aviva suits luxury travel needs with unlimited medical expenses, and DBS Chubb is ideal for cruise enthusiasts, emphasizing extensive COVID-19 coverage.

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Home Protect360 provides insurance coverage for your furniture, valuables, renovations and personal liability against unforeseeable situations such as fires, burglaries and floods! With our home insurance, enjoy FREE Home Concierge services for – Electrician, Locksmith, Plumber, Pest Control and Air-con Repair. You know who to call when you need them. *Terms Apply

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Travel Insurance

Travel Insurance Singapore

With Allianz 24/7 Global Assistance and Support , you'll get the help you need while overseas. From Covid-19 and other epidemics or pandemics, to injury, illness, flight cancellations and baggage delays, we will be with you.

50% off Travel Insurance Plan

Save 50% on the normal cost of single trip, annual multi trip, or family travel insurance from Allianz Travel. 

Refund within 14 days - Get your money back if you change your mind after purchasing of policy*

Travel Insurance with Selected Covid-19 Coverage*

• Our Travel Insurance will cover you against medical costs, cancellations and curtailments due to COVID-19*
• Discover scenarios where Covid-19 has impacted the travel plans of people covered by Allianz Travel insurance policies  here

Travel Insurance Catered to Different Needs

• For Frequent Travellers:  Get covered for an unlimited number of trips (up to 90 days’ duration each trip). Discover our   Annual Plan Travel Insurance here  
• For One-off Trips:  Single trip plan is suitable for an occasional traveller or those who are looking for a short getaway. Discover our   Single Trip Travel Insurance here  
• For Family:  Family plan provides cover for you and the members of your family who travel with you on your journey (maximum of 2 adults) .  Discover our  Family Travel Insurance here  

24/7 Assistance And Support - For Your Safety, Health And Security

• Our team will help organise emergency medical assistance around the clock.

Identify closest hospitals & arrange and pay for transport*

Advance payment for in-patient services, where accepted*

Provision of medical escort if needed, subject to availability*

Arrange payment to return home*

Allianz Partners Group prides itself on providing individuals and their families with assistance and travel insurance solutions specific to their needs. This travel insurance is underwritten by Tokio Marine Insurance Singapore Ltd, with services provided by Allianz Travel, trading as AWP Services Singapore Pte Ltd.

*Subject to the terms, conditions, exclusions and benefits limits of the policy wording. For more information please click on the Policy Wording to read the Allianz Travel Policy Wording.

^Terms & Conditions.

50% Off All Plans (Single Trip, Family and Annual Plans)

The promotional code 'flash50'

1. is valid until 28 May 2024

2. ‘flash50’ code is applicable to Allianz Travel insurance

3. is applicable only on the website of Allianz Assistance Singapore - https://www.allianz-assistance.com.sg/

4. All benefits, limits, terms and conditions of the travel insurance plan purchased under this promotion are subject to the terms and conditions of the Policy Wording. By purchasing our travel insurance with the discount codes above, you are deemed to have read the  Policy Wording  and agreed to all terms and conditions and policy exclusions

5. Allianz Travel reserves the right to end such promotion at any time as it deems fit

Allianz Assistance Singapore

"i got my luggage delayed during my trip in thailand in 2018, allianz travel insurance have been helpful when i inquiry before buying the insurance, during the luggage delayed happen, and afterwards to claim. response have been very fast and accurate. claim is also very fast. i would give 5 stars plus plus plus if possible", benefits highlights.

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Designed for essential travel and medical coverages only

From S$ 17.50

Well-balanced coverages for most type of travels

Inclusive of an extensive scope of travel protection

Core Benefits

• Selected COVID-19 Cover*
• Overseas medical expenses
• Trip Cancellation, Baggage delay and emergency transportation benefits
• Travel inconveniences including trip curtailment and travel delay, medical expenses, and emergency transportation benefits
• Travel personal accident, rental car excess, and lost travel documents benefits
• Personal liability and sports benefits

You have to pay for emergency medical or dental treatment while on your trip.

With Selected Covid-19 Coverage*

You have to pay for emergency medical care (including Covid-19-related) or dental treatment while on your trip.

Any medical expenses incurred in Singapore will not be payable under this plan.

Up to S$ 200,000

Dental care maximum sublimit: S$ 250

Traditional Chinese Medicine sublimit: S$ 200

Up to S$ 500,000

Hospical cash: Up to S$ 1,000

Traditional Chinese Medicine sublimit: S$ 250

Up to S$ 1,000,000

Hospital cash: Up To S$ 2,000

Traditional Chinese Medicine sublimit: S$ 300

You have to cancel your trip before you depart.

With Selected Covid-19 coverage*

You have to cancel your trip before you depart because you or your travelling companion are diagnosed with Covid-19 and/or are required to quarantine; or a family member is diagnosed with Covid-19 (or other covered reason)

Your travel plans are delayed while you are on your trip.

Your travel plans are delayed while you are on your trip because you or your travelling companion are diagnosed with Covid-19 and are required to quarantine (or other covered reason) - sublimits apply - please refer to the policy wording

Transportation is needed following a medical emergency while on your trip.

With Selected Covid-19 Coverage

Transportation is needed following a medical emergency (including Covid-19 diagnosis, or other pandemic or epidemic) while on your trip. This includes emergency local emergency transportation and medical repatriation to Singapore if needed.

Search and Rescue: S$ 10,000

More Benefits

You have to end your trip early and need to recover unused trip costs.

Trip Curtailment: You have to end your trip early and need to recover unused trip costs.

Trip Incident include

• Early Return (You have to end your trip early and need to recover transportation cost for return home.)
• Trip Continuation (Your travel plans are interrupted, but you continue your trip.)
• Extended Stay (Your travel plans are interrupted and you need to recover additional accommodation and transportation costs you have incurred. (Maximum of SGD$300 per day for 5 days)

Subject to the terms, conditions, exclusions and benefits limits of the policy wording. For more information please click on the Policy Wording to read the Allianz Travel Policy Wording.

*There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation applying to a population or part of a population. 

For one-off trips

Single trip plan is suitable for an occasional traveller or those who are looking for a short getaway

For family trips

Family plan provides cover for you and the members of your family who travel with you on your journey (maximum of 2 adults)

For frequent travellers

Cover for every trip in entire year (max 90 days per trip). More practical and hassle-free for those who are planning for more than 3 trips a year.

Travel Insurance Singapore: Protecting Your Journeys with Peace of Mind

With Allianz Travel insurance, you can enjoy the freedom to choose your coverage based on your travel plans. Whether you're a frequent traveller, a family going on vacation, or an individual on a business trip, we have a range of different options to cater to your varied requirements.

As a trusted Singapore travel insurance provider, we provide coverage that goes beyond borders. Allianz Travel insurance policies are designed to protect you against unforeseen circumstances such as trip cancellations, medical emergencies, lost luggage, flight delays, and more.

Ready to secure your peace of mind? Buying travel insurance in Singapore is just a few clicks away. Our user-friendly online platform allows you to easily compare coverage options, receive instant quotes, and purchase your policy hassle-free. Take advantage of our Singapore travel insurance promotion to enjoy discounts and special offers on selected policies.  

Choose Allianz Travel as your trusted partner in travel insurance. Safeguard your adventures and embark on worry-free journeys. Purchase your travel insurance today and let us be your shield against unexpected financial costs.

Selected Covid-19 Cover* Travel Insurance

Emergency medical / transportation, trip cancellation, trip curtailment / incident, travel delay, benefits by product plans.

Emergency Medical

Coverage for Covid-19 medical costs if you are diagnosed with Covid-19 while overseas

Emergency Transportation

Search & Rescue sublimit: S$ 10,000

Emergency Transportation is needed following a medical emergency (including Covid-19 diagnosis, or other pandemic or epidemic) while on your trip. This includes emergency local emergency transportation and medical repatriation to Singapore if needed.

Up to S$ 1,500

If you or a travelling companion fall ill with Covid-19 before your trip begins

Up to S$ 5,000

Trip Curtailment

Up to S$ 1,200

If you or a travelling companion are required to quarantine during your trip. Part of Delay coverage.  Limit per 24-hour period S$ 400 (with receipts)

Up to S$ 10,000

Trip Incident

If you or a travelling companion fall ill with Covid-19 before 

Up to S$ 1,600

No cover is provided for claims arising from lockdowns, changes in government alert levels, quarantine, or mandatory isolation that applies generally or broadly to some or all of a population, vessel or geographical area, or that applies based on where You are travelling to, from, or through.

No cover is provided for claims directly or indirectly arising from or caused by you commencing travel against the Singapore Government’s advice, or against local government advice at your overseas destination.    

Here are scenarios where Covid-19 has impacted the travel plans of people covered by Allianz Travel insurance policies. Disclaimer: They are not based on real people but illustrate the challenges you and your travelling companions might face during the pandemic.

Covid-19 example scenarios, covid-19 diagnosis before travel mr jimmy tan, mr jimmy tan, aged 39, booked a trip to thailand, then he bought an allianz travel comprehensive platinum single-trip plan., unfortunately, before departure mr tan took a pcr test and was diagnosed positive for covid-19., he contacted allianz travel’s 24/7 medical assistance and asked for help.. they directed him to make a paperless online claim for trip cancellation. , during claims processing the pcr test was confirmed as being in mr jimmy tan’s name. allianz travel agreed to pay mr tan s$935 for the parts of his trip that were not refundable, including flight and hotel, along with other costs covered., covid-19 diagnosis during travel the wang family, mr & mrs wang & 2 kids booked a month-long trip to australia   they then bought an allianz travel comprehensive platinum family plan., on day 4 of their trip mrs wang developed a heavy fever.  she tested positive for covid-19., mr wang called  allianz travel’s 24/7 assistance about his wife.  they contacted the hospital &  organised advance payments for covid-19 medical care., the wang family’s final medical costs were s$69,500, which were covered by their allianz travel policy.. they were able to continue their family trip after mrs wang recovered..

Paperless Online Claim

24/7 medical assistance and support .

24/7 Medical Assistance during your trip

COVID-19: 8 Ways Travel Insurance for Singaporeans Got Smarter

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Are you always worrying on too many things about your travels?

Travel should be peaceful… worry-free… pleasant… and any great adjectives that you can think of right now.

Pre-Travel Checklist for a Worry-Free Trip

From thorough research and planning to buying travel insurance, each aspect of your pre-travel checklist contributes to a seamless travel experience.

Understanding Travel Insurance Terms and Exclusions

Travel insurance encompasses a range of coverage options. Understanding these terms will help you navigate policy documents and make informed decisions.

Travelling to EU Countries with Allianz Travel Singapore

Allianz Travel Singapore, a reputable travel insurance provider, offers coverage that ensures you're prepared for the unexpected while exploring EU countries.

Tips for Planning a Budget-Friendly Travel Adventure

Budget-friendly travel doesn't mean compromising on safety. Travel insurance plays a crucial role in ensuring a stress-free travel experience.

Solo Travel Safety Tips for Adventurous Solo Explorers

Prioritise safety through pre-trip planning, personal safety practices, and travel insurance protection to ensure your adventures are thrilling and secure.

Family Travel Insurance for Your Loved Ones

When selecting family travel insurance in Singapore, it's essential to consider various factors to ensure you have the right coverage for your specific needs.

Travelling to Australia with Singapore Travel Insurance

As you set your sights on this destination, Allianz Travel Singapore travel insurance becomes your steadfast companion to safeguard your journey.

Single Trip vs Annual Multi-Trip Travel Insurance

Allianz Travel Insurance steps in to offer a safety net that ensures your travels remain as enjoyable and worry-free as possible.

Annual Travel Insurance for Frequent Flyers

By selecting the right annual travel insurance for frequent flyers, adventurers can embark on their journeys with a profound sense of peace.

How Travel Insurance Saves You Unexpected Medical Expenses

Travel insurance plans are designed to provide financial protection and assistance in the event of unforeseen medical emergencies while travelling.

The Importance of Travel Insurance Protection

Allianz Travel Insurance offers extensive coverage that protects you during your travels. Get your Singapore travel insurance quote today.

Essential Tips for Choosing the Right Travel Insurance Plan

By considering these tips, you can make an informed decision and select the right travel insurance plan that offers the necessary protection for your journey.

What to Expect After Submitting Travel Insurance Claims

Learn what to expect after submitting travel insurance claims: from the processing timeline to handling claim rejections. Be prepare for every step of the journey.

Can I Participate in Risky Activities While Travelling

Explore the extend of travel insurance coverage for high-risk activities such as skydiving or paragliding, and more. Find out if accidents and mishaps are included in your policy.

What Documents Do I Need to Claim Travel Insurance?

Ensure a seamless travel insurance claim with our guide on required documents. Discover what you need to protect your trip. Get expert tips now!

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Etiqa insurance | hl assurance.

Pinnacle Travel Singapore is a registered and authorised agent of GIA, under the provisions of the General Insurance Agents Registration Regulations to engage in general insurance business for Etiqa Insurance Pte Ltd and HL Assurance Pte Ltd. Our  GIA Agent No is C002311

ETIQA INSURANCE – Travel Infinite

Etiqa is owned by Maybank Ageas Holdings Berhad, a joint venture company that combines local market knowledge with international insurance expertise. Etiqa Insurance has been named as the NATAS Official Travel Insurance Partner by the National Association of Travel Agents Singapore ( NATAS ) from 2020 to 2022.

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Keep your bag light and make your feelings even lighter! Nothing is worse than lugging a piece of your house behind you during your trip. Make sure you have all your electronics, medications, toothbrush, and an extra pair of underwear in your carry-on!

Visit Ministry of Foreign Affairs website for travel advisory and visa requirements. MFA’s eRegister system also allows you to record information about your travels and provide MFA a way to assist you should any emergency occur. Going online to fill the eRegister is as easy as ordering your pizza!

Check to make sure your passport has at least size months validity on the day you leave. It’s also good idea to make extra copies of your passport and important documents and send them to yourself in your email.

To protect yourself in an emergency, make sure to stash some money in a few different places. It is recommended to have at least a couple of hundreds dollar worth of the local currency pack away. So even if you lose your wallet, or your credit card stops working, you won’t be crying your eyes out!

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Etiqa publishes 2023 UN PSI report, demonstrating commitment to sustainability

Friday, 24 May 2024

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Etiqa Insurance and Takaful CEO Kamaludin Ahmad

KUALA LUMPUR: Etiqa, Malaysia's first and only insurer to adopt the United Nations' Principle for Sustainable Insurance (UN PSI), has outlined four key achievements in its sustainability progress report for 2023.

These include commitments to refrain from insuring any new coal-fired power plants in Malaysia, enhancing the lives of 900,000 households by 2025 and aiming for Carbon Neutral status for Scope 1 and 2 emissions by 2030, leading to a net zero carbon equivalent position by 2050.

“As part of the broader Maybank group, Etiqa has committed not to insure any new coal fired power plants in Malaysia. Etiqa also does a rigorous assessment of the environmental, social, and governance (ESG) risks associated with investments and has committed to zerorise any equity investment that carries a severe ESG risk by 2025,” the insurer said in a statement.

Etiqa stated that in 2023, it did not underwrite any new greenfield coal power generation plants, and the proportion of its equity investments with a severe ESG risk rating decreased to 0.2%.

The group is also committed to offering a range of easily accessible products for underserved and underinsured individuals. This includes enhancing affordability, accessibility, and protection value to meet customer needs, in line with Etiqa’s goal of expanding coverage and promoting financial inclusion.

“From 2021 until December 2023, Etiqa improved the livelihoods of 669,680 households, representing 74% of the cumulative 2025 target. This was achieved by partnering organisations such as the Employee Provident Fund in offering the i-Lindung product where EPF members can withdraw from their accounts to purchase insurance and takaful,” Etiqa said.

Etiqa noted that despite more staff returning to office work, its Scope 2 emissions were lower in 2023 than in 2021 and 2022. Additionally, Etiqa is transitioning its company cars to electric vehicles as part of its effort to decrease Scope 1 emissions.

The group also encourages all staff members to engage in sustainability activities, contributing positively to both the environment and society.

It accomplished a total of 84,989 hours, surpassing the 2023 target for sustainability hours by 119%

Etiqa Insurance and Takaful group chief executive officer Kamaludin Ahmad said: “I am proud to disclose the achievements that Etiqa has made on its four sustainability ambitions. These milestones are testament of Etiqa’s transparency and how seriously we take our role as a signatory of the UN PSI, and the impact that Etiqa wants to make in the area of sustainability.”

“While Etiqa began its sustainability journey back as 2019, the momentum has grown steadily over the years, where we have integrated ESG principles into our business strategy and operations wherever we can.

“Since Etiqa is a regional player, we have even started to export our sustainability practices to other Asean countries, thus extending our sustainability footprint and driving positive change across borders, in line with our vision of ‘Making the Word a Better Place’.”

Tags / Keywords: Etiqa , ESG , Sustainability , United Nations , Insurance ,

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Source: Department of Environment, Malaysia

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