You’ll need more than just travel insurance if you want to protect yourself from COVID’19.

If you haven’t already heard, Singapore has announced a bilateral travel bubble for general travel with Hong Kong (postponed till further notice). 

Travellers departing from Singapore are required to cover their own medical expenses if they test positive for COVID’19. However, travellers departing on Singapore Airlines can add travel insurance cover to their trip – with coverage underwritten by AIG.

Good news! In the past month, various insurers have announced the launch of travel insurance products that cover COVID’19. This means that travellers can now travel with greater peace of mind, with various options for travel insurance coverage in the market.

Note: this table will be updated when there are new plans in the market.

Last updated: 4 December 2020


NTUC Income Travel Insurance

NTUC Income’s travel insurance now includes COVID’19 coverage for outbound Singaporean-based residents, departing from Singapore. These COVID’19 benefits are automatically included in single-trip insurance plans purchased from 26 November 2020, and includes plans covering pre-existing conditions.

However, the COVID’19 benefits offered by NTUC Income will exclude travel insurance for trips to countries that the World Health Organization (WHO) deems as high risk for COVID’19 at the point of purchase. The list of countries is subject to change monthly depending on the infection rates in each country provided by WHO.

^ The rate of US$1 = S$1.37 as of 09 September 2020 will be used to compute the claim amount in Singapore dollars (S$)

* COVID’19 Coverage for the first 90 days of each trip.

The benefits above are for each trip for adults below 70 years old.

AXA SmartTraveller

Starting 1 December 2020, both existing and new AXA SmartTraveller customers will be covered by benefits for a range of situations arising from COVID’19.

This travel insurance does not provide cover for pre-existing conditions.

What about travels outside the travel bubble?

Since June 2020, Singapore has been gradually re-opening its borders to countries with low COVID’19 transmission rates. Green lanes are being established and border measures are being eased for travellers from selected countries – however, largely limited to business and essential travel.

For essential travel for business, official and work purposes:

Currently, should you develop COVID’19 symptoms within 14 days after returning to Singapore, all Singapore Citizens and Permanent Residents will be eligible for coverage under local health insurance such as MediShield and Integrated Shield Plan. 

However, this is only if your trip is under one of the permitted arrangements. 

If the trip is not in accordance with the prevailing travel advisories, you will have to bear the full unsubsidized medical expenses should you require hospital admission for suspected COVID’19 infection within 14 days of your return. 

Thus, it is important to ensure that you have sufficient insurance coverage in the event that you are travelling out of Singapore, in the midst of this global pandemic.

Where Can I Travel Overseas Right Now?

Before we jump into obtaining protection for yourself, here’s a breakdown of Singapore’s latest travel control. 

Currently, the easing of border measures is mainly for business or official travellers. As of 7 December 2020, Singapore has established Green or Fast lane arrangements with the following countries

  • Brunei
  • Germany
  • Mainland China (Chongqing, Guangdong, Jiangsu, Shanghai, Tianjin and Zhejiang)
  • Indonesia 
  • Japan 
  • Malaysia 
  • Republic of Korea 

These are reciprocal agreements allowing for essential business and official travel between the two countries. Travellers are required to abide by the health measures implemented by both countries, such as pre-departure and post-arrival testing, controlled itinerary, etc. 

Singapore has also unilaterally opened its borders for general travel to countries with a low COVID’19 transmission rate. They include:

  • Australia
  • Brunei 
  • New Zealand 
  • Vietnam 

While Singapore has also updated our travel advisory to allow for general travel to these destinations, many of these countries continue to have their travel restrictions in place. 

COVID-19 Insurance for travellers visiting Singapore

Inbound foreign travellers entering Singapore via the various Safe Travel Lanes are required to bear the full cost of medical treatment, tests and isolation, should they be suspected of being infected with COVID’19, or require medical treatment for COVID’19 while in Singapore.

But now from 18 November 2020, foreign visitors will be able to buy inbound travel insurance coverage for COVID’19 related costs incurred in Singapore, to help cover some of the costs for medical treatment.

The premiums start at S$5.35 inclusive of GST and available plan limits range from S$30,000 to S$250,000.

If you are looking to travel in or out of Singapore, do leave your details below and we can better advise you on the travel insurance, best suited for your needs.

How can we help?


This advertisement has not been reviewed by the Monetary Authority of Singapore.

Read more:

3 Best International Health Insurance Plans for Singapore Expats (2020)

5 Important Things About Integrated Shield Plan Changes

Changes to MediShield Life in 2021: 7 Things to Expect



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