Singlife Travel Insurance Review: For Holistic Coverage During Your Trips Abroad

singlife travel insurance

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Experience worry-free travel on your next trip out of Singapore with Singlife travel insurance, which provides comprehensive travel insurance coverage.

Planning a trip abroad can be exhilarating, but ensuring that you have comprehensive insurance coverage is crucial for your peace of mind.

In this Singlife travel insurance review, explore the features and benefits of this insurance plan and the all-round protection it provides when you’re away from Singapore. From unlimited overseas medical expense coverage to trip cancellation protection, Singlife takes care of your concerns so you can focus on creating unforgettable memories. 

 

Related Story: Buying Travel Insurance? Do These Five Things First

 

Singlife Travel Insurance at a glance

There are three tiers under Singlife’s travel insurance plan — Lite, Plus, and Prestige. Here’s an overview on what each tier offers:

Lite

Offers travellers a basic travel insurance plan, including personal accident protection, emergency medical cover, S$50,000 for COVID-19 overseas medical expenses coverage and travel inconveniences

Plus

Includes S$2 million coverage for overseas medical expenses, a S$5,000 trip cancellation for any reason benefit, and S$100,000 coverage for overseas COVID-19 medical expenses

Prestige

Provides top-tier travel insurance coverage, with unlimited coverage for overseas emergency medical expenses, unlimited COVID-19 emergency medical evacuation and repatriation, S$1,000 protection over the unauthorised use of credit cards, and S$15,000 for home content protection

 

Singlife Travel Insurance core features

  • COVID-19 cover for up to S$200,000 for overseas medical expenses due to COVID-19
  • Personal accident protection for up to S$500,000
  • Double indemnity for death in public transport for up to S$1 million

*subject to age and plan type

 

The one unique feature of Singlife travel insurance

Singlife offers free extensions under its lifestyle cover for all three plan types. This consists of coverage for the loss of frequent flyer points, disappearance, drowning or suffocation by smoke, poisonous fumes or gas, motorcycling, and pregnancy- or childbirth-related conditions.

 

Singlife travel insurance benefits and coverage

Singlife’s travel insurance plan provides support for travellers across its three tiers — Lite, Plus, and Prestige. These include individual and family travel insurance coverage.

 

Personal accident coverage

While the Lite plan may not be the most extensive in terms of coverage, it serves as a practical choice for individuals looking for basic coverage without breaking the bank. Plus and Prestige tiers offer great coverage with the added protection for double indemnity for death in public transport. 

Prestige has additional coverage for family assistance and child education benefits, which can be useful for those seeking additional cover for their family too.

Coverage

Maximum amount paid per insured per trip

Lite

Plus

Prestige

Accidental Death, Permanent Disablement and Burn Benefit 

for an Adult up to 70 years old

S$50,000

S$100,000

S$500,000

Accidental Death, Permanent Disablement and Burn Benefit 

For a Child or an Adult above 70 years old

S$10,000

S$20,000

S$100,000

Accidental Death and Permanent Disability due to War 

for an Adult up to 70 years old

S$50,000

S$100,000

S$500,000

Accidental Death and Permanent Disability due to War 

For a Child or an Adult above 70 years old

S$10,000

S$20,000

S$100,000

Double Indemnity for Death in Public Transport

for an Adult up to 70 years old

Not covered

S$200,000

S$1,000,000

Double Indemnity for Death in Public Transport

For a Child or an Adult above 70 years old

Not covered

S$40,000

S$200,000

Family Assistance Benefit

Not covered

Not covered

S$8,000

Child Education Benefit S$5,000 per year, up to 5 years

Not covered

Not covered

S$25,000

Source: Singlife

With COVID-19 Coverage.

9 April - 19 April 2024
Single Trip Plan
  • Use promo code TRAVEL25 to get 25% discount when you buy NOW!
Annual Plan
  • Use promo code ANNUAL20 to get 20% discount and Up to S$100 UNIQGIFT Vouchers when you buy NOW!

Related Story: Best Personal Accident Insurance Plans in Singapore

 

Emergency medical coverage

Singlife’s emergency medical coverage includes unique covers like mobile aid reimbursement, chiropractor or Chinese physician treatment, emergency telephone expenses, and the child minder cover. Overseas medical expenses run from S$250,000 under the Lite plan to unlimited coverage under Prestige.

Coverage

Maximum amount payable per insured per trip

Lite

Plus

Prestige

Overseas Medical Expenses

S$250,000

S$2,000,000

Unlimited

Emergency Medical Evacuation

S$250,000

S$2,000,000

Unlimited

Overseas Emergency Medical Expenses – Pregnancy-related

S$1,000

S$5,000

S$8,000

Medical Expenses in Singapore 

S$10,000

S$50,000

S$80,000

Mobile-Aid Reimbursement

S$1,000

S$3,000

S$5,000

Chiropractor and/or Chinese Physician Treatment 

S$250 

(S$50 per visit)

S$500 

(S$75 per visit)

S$1,000 (S$100 per visit)

Emergency Telephone Expenses

S$100

S$250

Actual cost

Accidental Dental Expenses While Overseas

S$1,000

S$3,000

S$8,000

Accidental Dental Expenses in Singapore

S$1,000

S$3,000

S$8,000

Overseas Hospital Income

(S$200 for every 24 hours of hospitalisation overseas))

S$10,000 

S$50,000 

S$50,000 

Overseas Hospital Income in ICU

Not covered

Not covered

S$50,000 (S$400 for every 24 hours of hospitalisation overseas)

Hospital Income in Singapore

S$600 (S$100 for every 24 hours of hospitalisation in Singapore)

S$1,000 (S$100 for every 24 hours of hospitalisation in Singapore)

S$6,000 (S$200 for every 24 hours of hospitalisation in Singapore)

Overseas Quarantine Allowance due to Infectious Disease

Not covered

S$300 

(S$50 for every 24 hours)

S$500 

(S$50 for every 24 hours)

Quarantine Allowance in Singapore due to Infectious Disease

Not covered

S$300 

(S$50 for every 24 hours)

S$500 

(S$50 for every 24 hours)

Repatriation of Mortal Remains

S$30,000

S$500,000

Unlimited

Reimbursement of Coffin and Funeral Expenses

S$6,000

S$12,000

S$20,000

Hospital Visit Expenses

S$3,000

S$10,000

S$25,000

Compassionate Visit Expenses

S$3,000

S$10,000

S$25,000

Child Minder

S$3,000

S$10,000

S$25,000

Source: Singlife

 

Personal liability and legal expenses coverage

With Singlife, you’re also covered for personal liability while abroad. The Lite plan offers coverage for up to S$250,000, Plus at S$1 million, and Prestige at S$2 million, respectively.

With COVID-19 Coverage.

9 April - 19 April 2024
Single Trip Plan
  • Use promo code TRAVEL25 to get 25% discount when you buy NOW!
Annual Plan
  • Use promo code ANNUAL20 to get 20% discount and Up to S$100 UNIQGIFT Vouchers when you buy NOW!

Related Story: The Best Travel Insurance in Singapore For COVID-19 Coverage

 

Travel inconvenience coverage

As a traveller, you’ll be happy to know that Singlife offers extensive coverage for travel inconveniences, including travel delays caused by a missed departure or connection flight, trip cancellations for any reason (Plus and Prestige plans), and delayed baggage protection.

There is also rainfall protection, an unconventional cover that kicks in if excessive rainfall affects your trip.

 

Coverage

Maximum amount payable per insured per trip

Lite

Plus

Prestige

Trip Cancellation

Family Total**

S$5,000

S$15,000

S$20,000

S$10,000

S$30,000

S$40,000

Trip Cancellation for Any Reason

Family Total**

Not covered

S$5,000

S$5,000

Not covered

S$10,000

S$10,000

Trip Postponement

Family Total**

S$1,000

S$2,000

S$3,000

S$2,000

S$4,000

S$6,000

Change of Travelling Date or Time For Any Reason

Family Total* 

Not covered

S$2,000

S$3,000

Not covered

S$4,000

S$6,000

Replacement Traveller 

(For Business Travel only)

Not covered

S$5,000

S$15,000

Trip Interruption -Back to Singapore

Family Total**

S$3,000

S$8,000

S$15,000

S$6,000

S$16,000

S$30,000

Trip Interruption – Change of Trip Itinerary

Family Total**

S$1,000

S$2,000

S$3,000

S$2,000

S$4,000

S$6,000

Travel Delay (including overbooking, diversion of journey and/or missed departure or connection of Flight, Voyage or Train)

Family Total**

S$500 (S$100 for each consecutive 6 hour delay)

S$1,000 (S$100 for each consecutive 6 hour delay)

S$2,000 (S$100 for each consecutive 6 hour delay)

S$1,000

S$2,000

S$4,000

Rainfall Protection

Family Total**

S$50

S$100

S$150

S$100 

(S$50 per insured adult)

S$200 

(S$100 per insured adult)

S$300 

(S$150 per insured adult)

Delayed Baggage

Family Total**

S$500 

(S$100 for each consecutive 6-hour delay while overseas and S$150 after 6 hours of delay when arriving in Singapore)

S$1,000 

(S$200 for each consecutive 6-hour delay while overseas and S$150 after 6 hours of delay when arriving in Singapore)

S$2,000 

(S$200 for each consecutive 6-hour delay while overseas and S$150 after 6 hours of delay when arriving in Singapore)

S$1,000

S$2,000

S$4,000

Loss or Damage of Baggage & Personal Belongings

S$3,000 

(Up to S$500 for any article or set of articles if grouped together)

S$5,000 

(Up to S$700 for any article or set of articles if grouped together)

S$8,000 

(Up to S$700 for any article or set of articles if grouped together)

Loss of Valuables or Personal Money

Not covered

S$750 (Including S$300 for cash or bank notes)

S$3,000 (Including S$500 for cash or bank notes)

Loss of Passport or Travel Documents

S$3,000

S$5,000

S$5,000

Unauthorised Use of Credit Card

Not covered

Not covered

S$1,000

Hijack, Hostage and Mugging

S$3,000

 (S$250 per 24 hours detained)

S$5,000 (S$250 per 24 hours detained)

S$10,000 (S$250 per 24 hours detained)

Source: Singlife

**Family Total means the maximum amount Singlife will pay for each benefit section under the Family Package during any one Trip. Each Insured Person is only allowed the maximum benefit per insured person in the Summary of Cover (found in the policy wording).

 

Related Story: The Best Travel Insurance in Singapore for Families

 

Lifestyle coverage

While most coverages for this segment apply to Prestige, there is rental vehicle excess coverage for all three tiers, which is ideal for curtailing any risks involved when you’re travelling in a rental vehicle.

Coverage

Maximum amount payable per insured per trip

Lite

Plus

Prestige

Rental Vehicle Excess

S$500

S$1,500

S$2,500

Rental Vehicle Return

Not covered

Not covered

S$500

Home Contents

Not covered

Not covered

S$15,000 

(Up to S$1,000 for any one article or set of articles if grouped together)

Domestic Pet Care (per household)

Not covered

Not covered

S$1,000 

(S$50 per 24 hours of extended stay in a pet boarding house)

Source: Singlife

 

Free extensions

Singlife offers more coverage for its customers under its free extensions segment. For instance, moms-to-be are covered for conditions related to pregnancy and childbirth. The loss of frequent flyer points is included under free extensions, too.

Coverage

Maximum amount payable per insured per trip

Lite

Plus

Prestige

Loss of Frequent Flyers Points

Yes

Yes

Yes

Disappearance

Yes

Yes

Yes

Drowning or Suffocation by Smoke, Poisonous Fumes or Gas

Yes

Yes

Yes

Motorcycling

Yes

Yes

Yes

Pregnancy- or Childbirth-related conditions

Yes

Yes

Yes

Automatic Extension of Cover Due to Public Transport delay or due to Your Accidental injury, illness or Quarantine 

Up to 14 days

Up to 30 days

Up to 30 days

Full Terrorism Cover (Aggregate)

S$50,000

S$100,000

S$150,000

COVID-19 Cover

Emergency Medical Cover And Repatriation because of COVID-19

Overseas Medical Expenses due to COVID-19

S$50,000

S$100,000

S$200,000

Emergency Medical Evacuation due to COVID-19

S$250,000

S$2,000,000

Unlimited

Repatriation due to COVID-19

S$30,000

S$500,000

Unlimited

Overseas Quarantine Allowance due to COVID-19

Not covered

S$1,000 

(S$50 for every 24 hours)

S$2,000 

(S$100 for every 24 hours)

Trip Cancellation/Postponement due to COVID-19

S$500

S$1,500

S$2,000

Trip Interruption due to COVID-19

S$500

S$1,500

S$2,000

Source: Singlife

 

With COVID-19 Coverage.

9 April - 19 April 2024
Single Trip Plan
  • Use promo code TRAVEL25 to get 25% discount when you buy NOW!
Annual Plan
  • Use promo code ANNUAL20 to get 20% discount and Up to S$100 UNIQGIFT Vouchers when you buy NOW!

 

Optional Coverage

Singlife’s travel insurance offers some great optional coverages, which are especially beneficial for golfers, those going on a destination wedding trip, and those partaking in winter and water sports. 

Some unique benefits include coverage for the loss of your ceremonial attire and wedding accessories, unused green fees, deposit loss due to ski track or piste closure, and the loss of water sports equipment, including while in use.

Coverage

Maximum amount payable per insured per trip

Overseas Wedding & Photoshoot (Per Couple)

Loss of Ceremonial Attire and Wedding Accessories

S$8,000 

(Up to S$2,000 for any one article or set of article if grouped together, excess payable: S$100)

Loss of Marriage Certificate

S$250

Financial Failure of Wedding Service Providers

S$15,000

Loss of Wedding Photo Album

S$500

Personal Liability of Invited Guests

S$1,000,000

Golf Holiday

Loss of Golfing Equipment (including while in use)

S$2,000 

(Up to S$1,000 for any one article or set of article if grouped together, excess payable: S$100)

Hire of Golfing Equipment

S$500 (Up to S$100 per day)

Hole-In-One

S$1,000

Damage of Buggy

S$500

Unused Green Fees

S$500

Winter Sports

Accidental Death and Permanent Disablement 

S$50,000

Emergency Medical Cover (Aggregate)

S$250,000

Personal Liability Extension

Up to selected plan’s limit

Loss of Winter Sports Equipment (including while in use)

S$3,000 

(Up to S$1,000 for any one article or set of article if grouped together, excess payable: S$250)

Hire of Winter Sports Equipment

S$500 (Up to S$100 per day)

Loss of Deposit due to Ski Track / Piste Closure

S$1,000

Ski Pass and Ski Lift Pass

S$500

Delay due to Avalanche

S$200

Adventurous Water Sports

Accidental Death and Permanent Disablement

S$50,000

Emergency Medical Cover (Aggregate)

S$250,000

Personal Liability Extension

Up to selected plan’s limit

Loss of Water Sports Equipment (including while in use)

S$3,000 

(Up to S$1,000 for any one article or set of article if grouped together, Excess payable: S$250)

Hire of Water Sports Equipment

S$500 (Up to S$100 per day)

Source: Singlife

 

Grab the best deals for Singlife travel insurance with AMTD PolicyPal’s special promotions

Take advantage of AMTD PolicyPal’s exclusive promotions and enjoy savings of up to 25% on premium costs when you make your purchase today.

AMTD PolicyPal Promotions

With COVID-19 Coverage.

9 April - 19 April 2024
Single Trip Plan
  • Use promo code TRAVEL25 to get 25% discount when you buy NOW!
Annual Plan
  • Use promo code ANNUAL20 to get 20% discount and Up to S$100 UNIQGIFT Vouchers when you buy NOW!

Related Story: Travel Diaries: 5 Safest Travel Destinations in the World

 

Why does Singlife Travel Insurance work for you?

Singlife is a great choice for travellers, offering carefully curated options for every tier. Whether you’re a budget-conscious traveller, seeking mid-range coverage, or looking for comprehensive protection abroad, this travel insurance has got you covered from all angles.

 

Eligibility

You need to meet the following requirements to qualify for travel insurance with Singlife:

  • Possess a valid NRIC or FIN
  • Be at least 16 years old at the time of purchase (applicable only if you’re the applicant)
  • Embark on a round-trip journey that starts and finishes in Singapore
  • Avoid travelling against the advice of a qualified medical practitioner
  • Refrain from travelling for getting medical treatment
  • Ensure that you acquire the policy before departing from Singapore

 

Exclusions

General exclusions apply to every policy section unless stipulated otherwise. More information can be found on the policy wording for Singlife’s travel insurance.

 

How to make a claim

To make a claim or seek overseas emergency assistance, contact Singlife’s claims assistance helpline at +65 6460 9391. Alternatively, you can submit your claim through Singlife’s online portal.

You will need to ensure your submission includes detailed information about the occurrence and extent of loss, supported by relevant documents. Singlife recommends you submit your claim within 30 days of the incident or as soon as reasonably possible, which may help in speeding up your claims approval.

What happens after you submit your claim?

After you submit your claim, you can expect an acknowledgement email within three working days. If further information is necessary, Singlife will reach out to you within 60 working days.

Once approved, you’ll receive an email and claim payout via PayNow within three business days.

For general inquiries, call +65 6827 9933,  Mondays to Fridays between 8.45 am and 5.30 pm, excluding weekends and public holidays.

 

Enquire more and contact us today!

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