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Travel Insurance — Product Summary

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  • In view of the protest in Hong Kong publicised by the mass media and travel advisory by Ministry of Foreign Affairs, certain travel inconvenience benefits such as ‘Cancelling your trip’ and ‘Postponing your trip’ will not be covered if you have activated travel insurance policies for trips to Hong Kong after this event was made known. The protest in Hong Kong is now regarded as a known event and is excluded under our travel insurance policy. 

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Travel Insurance - NTUC Income

Whether you are planning for a vacation or a business trip, NTUC Income. Travel
... Buying your travel insurance is as easy as picking up your phone or logging.

Whether you are planning for a vacation or a business trip, NTUC Income Travel Insurance offers you comprehensive coverage so you and your loved ones can enjoy peace of mind when you travel.
With our variety of plans ranging from Classic, Deluxe to Enhanced PreX, you can select the type of coverage to cater to your family’s needs. Whether you are travelling for business or pleasure, worry no more as we take care of your travel insurance needs.

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You will be covered for:

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  • Pre-existing medical conditions while overseas when you opt for our Enhanced PreX plan1
  • Travel delay2 not caused by you (including natural disasters)
  • Medical expenses incurred during your trip
  • Trip disruption when you or your travelling companion fall ill or get injured while overseas
  • Trip cancellation (including insolvency of travel agencies)
  • Loss of money and personal belongings while overseas
  • Additional expenses3 incurred for postponement of your trip
  • Activities4 for leisure purposes such as scuba diving, snow-skiing, water rafting and motorcycling
  • Automatic extension5of cover if you get delayed overseas due to unforeseen circumstances.
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1 We will cover you if you unexpectedly suffer any losses due to your pre-existing medical condition under Section 14 – Medical expenses overseas, Section 18 – Emergency medical evacuation, Section 19 – Sending you home and Section 23 – Emergency phone charges. Please refer to the policy contract for the list of the conditions and exclusions specified under these sections. We will not pay the first $100 for each visit for your outpatient medical treatment and also for claims arising from a pre-existing medical condition where you have been given a terminal prognosis with a life expectancy of under 12 months.

2 We will pay you for travel delay if the public transport you are scheduled to travel in during your trip is delayed for more than six hours in a row and is not caused by you.

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3 We will pay you for administrative fees charged by travel agent, tour operator, transport or accommodation providers, additional economy-class transport expenses and additional accommodation expenses of a standard room when you postpone your trip.

4 This policy does not cover claims for loss or liability directly or indirectly caused by or arising from extreme sports which involve speed, height, danger, a high level of physical exertion, highly specialised gear or spectacular stunts, whether they are played competitively or non-competitively, in a team or individually. Please refer to the policy contract for the exclusions on dangerous activities or sports.

5 Your coverage period will automatically be extended at no extra cost for the first 14 days if you are
   - unable to return before the policy expires due to the delay of the public transport that you are
     travelling in, and the delay is not caused by you, or;
   - hospitalised or quarantined overseas as advised by a medical practitioner.

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This is for general information only. You can find the usual terms and conditions of this plan at

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Information is correct as of 17 October 2014

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