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Coverage

Table of Cover

Standard Plans

The standard plans, Classic, Deluxe and Preferred plans do not cover pre-existing medical conditions.

		Maximum benefit (S$) for each trip
		Classic		Deluxe		Preferred
		Per insured person	Family total^	Per insured person	Family total^	Per insured person	Family total^
Travel Inconvenience Benefits
Section 1	Cancelling your trip
Section 1	Overall section limit	5,000	15,000	10,000	30,000	15,000	45,000
Section 2	Postponing your trip
Section 2	Overall section limit	500	1,500	1,000	3,000	2,000	6,000
Section 3	Shortening your trip
	Overall section limit	5,000	15,000	10,000	30,000	15,000	45,000
	Limit for extra expenses to return to Singapore	1,000		2,000		3,000
Section 4	Trip disruption
	Overall section limit	1,000	3,000	2,000	6,000	3,000	9,000
	Limit for accommodation expenses per room per night	400		400		400
Section 5	Travel delay
	Overall section limit	1,000		1,500		2,000
	For every six hours of delay while overseas
	1. Adult	100	2,000	100	3,000	100	4,000
	2. Child	50		50		50
	After six hours of delay while in Singapore
	1. Adult	150		150		150
	2. Child	50		50		50
Section 6	Missed connections	100	1,000	200	2,000	500	5,000
Section 7	Overbooked public transport	100	1,000	200	2,000	500	5,000
Section 8	If the travel agency becomes insolvent	2,000	10,000	3,000	15,000	5,000	25,000
Section 9	Baggage delay
	Overall section limit	1,000		1,200		2,000
	For every six hours of delay while overseas
	1. Adult	200	2,000	200	2,400	200	4,000
	2. Child	50		50		50
	Baggage delay after six hours when arriving in Singapore
	1. Adult	200		200		200
	2. Child	50		50		50
Section 10	Loss or damage of baggage and personal belongings
	Overall section limit	3,000		5,000		8,000
	Limit for laptop	1,000	7,500	1,000	12,500	1,000	20,000
	Limit for watches, jewellery or valuables in total	200		500		750
	Limit for other items (for each item, set or pair)	500		500		500
Section 11	Losing money
	1. Adult	250	450	350	600	500	800
	2. Child	100		125		150
Section 12	Losing travel documents
	Overall section limit	3,000	7,500	5,000	12,500	8,000	20,000
	Limit for accommodation expenses per room per night	400		400		400
Personal accident and medical expenses benefits
Section 13	Personal accident
	1. Adult 70 years old or over	100,000		125,000		200,000
	2. Adult under 70 years old	150,000	600,000	200,000	800,000	500,000	1,500,000
	3. Child	75,000		100,000		125,000
	Or
	Public transport double cover for accidental death
	1. Adult 70 years old or over	NA		250,000		400,000
	2. Adult under 70 years old	NA	NA	400,000	1,600,000	1,000,000	3,000,000
	3. Child	NA		200,000		250,000
	Scale of compensation	Percentage of benefit limit
	a. Accidental death	100%
	b. Permanent total disability	100%
	c. Losing two or more limbs	100%
	d. Losing sight in both eyes	100%
	e. Losing one limb	50%
	f. Losing sight in one eye	50%
	g. Losing speech	50%
	h. Losing hearing	50%
		The total compensation from a to h will not be more than the maximum benefit limit.
Section 14	Medical expenses overseas
	Overall section limit
	1. Adult 70 years old or over (combined for sections 14, 18 and 19)	250,000	1,000,000	300,000	1,500,000	350,000	3,000,000
	2. Adult under 70 years old	250,000		500,000		1,000,000
	3. Child	150,000		200,000		300,000
	Limit for medical aids and equipment	500		1,000		1,500
Section 15	Medical expenses in Singapore
	Overall section limit
	1. Adult 70 years old or over	1,000	60,000	2,000	100,000	5,000	200,000
	2. Adult under 70 years old	12,500		25,000		50,000
	3. Child	10,000		15,000		25,000
	Limit for medical aids and equipment	500		1,000		1,500
Section 16	Treatment by a Chinese medicine practitioner or a chiropractor
	Overall section limit	300	1,000	500	1,500	1,000	3,000
	Limit per visit	50		75		100
Section 17	Overseas hospital allowance
	Overall section limit	10,000	30,000	20,000	60,000	50,000	150,000
	Benefit per day	100		200		200
Section 18	Emergency medical evacuation
	Overall section limits	See limit under section 14		See limit under section 14		See limit under section 14
	1. Adult 70 years old or over	See limit under section 14	1,250,000	See limit under section 14	1,500,000	See limit under section 14	2,000,000
	2. Adult under 70 years old	500,000		Unlimited		Unlimited
	3. Child	500,000		Unlimited		Unlimited
Section 19	Sending you home
	Overall section limits	See limit under section 14		See limit under section 14		See limit under section 14
	1. Adult 70 years old or over	See limit under section 14	1,250,000	See limit under section 14	1,500,000	See limit under section 14	2,000,000
	2. Adult under 70 years old	50,000		Unlimited		Unlimited
	3. Child	50,000		Unlimited		Unlimited
Section 20	Compassionate visit
	Overall section limit	5,000	15,000	10,000	30,000	15,000	45,000
	Limit for accommodation expenses per room per night	400		400		400
Other benefits
Section 21	Kidnap and hostage
	Overall section limit	3,000	9,000	5,000	15,000	10,000	30,000
	Every 24 hours	100		200		500
Section 22	Emergency phone charges
Section 22	Overall section limit	100	300	150	450	300	900
Section 23	Home cover
	Overall section limit	3,000	3,000	5,000	5,000	15,000	15,000
	Limit per item (for each item, set or pair)	500		500		500
Section 24	Personal liability	500,000	500,000	1,000,000	1,000,000	1,000,000	1,000,000
Section 25	Rental vehicle excess cover	1,500	1,500	2,000	2,000	2,500	2,500
Section 26	Full terrorism cover (for sections 1 to 25)
	1. Adult 70 years old or over	100,000	600,000	125,000	800,000	200,000	1,500,000
	2. Adult under 70 years old	150,000		200,000		500,000
	3. Child	75,000		100,000		125,000

Enhanced PreX Plans

		Maximum benefit (S$) for each trip
		Enhanced PreX Basic		Enhanced PreX Superior		Enhanced PreX Prestige
		Per insured person	Family total^	Per insured person	Family total^	Per insured person	Family total^
Travel Inconvenience Benefits
Section 1	Cancelling your trip
	Overall section limit	10,000		10,000		15,000
			30,000		30,000		45,000
	Co-payment for claims due to pre-existing medical conditions	NA^#		50%		50%
Section 2	Postponing your trip
	Overall section limit	1,000		1,000		2,000
			3,000		3,000		6,000
	Co-payment for claims due to pre-existing medical conditions	NA^#		50%		50%
Section 3	Shortening your trip
	Overall section limit	10,000		10,000		15,000
	Limit for extra expenses to return to Singapore	2,000		2,000		3,000
			30,000		30,000		45,000
	Co-payment for claims due to pre-existing medical conditions	NA^#		50%		50%
Section 4	Trip disruption
	Overall section limit	2,000		2,000		3,000
	Limit for accommodation expenses per room per night	400		400		400
			6,000		6,000		9,000
	Co-payment for claims due to pre-existing medical conditions	NA^#		50%		50%
Section 5	Travel delay
	Overall section limit	1,500		1,500		2,000
	For every six hours of delay while overseas
	1. Adult	100		100		100
	2. Child	50	3,000	50	3,000	50	4,000
	After six hours of delay while in Singapore
	1. Adult	150		150		150
	2. Child	50		50		50
Section 6	Missed connections	200	2,000	200	2,000	500	5,000
Section 7	Overbooked public transport	200	2,000	200	2,000	500	5,000
Section 8	If the travel agency becomes insolvent	3,000	15,000	3,000	15,000	5,000	25,000
Section 9	Baggage delay
	Overall section limit	1,200		1,200		2,000
	For every six hours of delay while overseas
	1. Adult	200		200		200
	2. Child	50	2,400	50	2,400	50	4,000
	Baggage delay after six hours when arriving in Singapore
	1. Adult	200		200		200
	2. Child	50		50		50
Section 10	Loss or damage of baggage and personal belongings
	Overall section limit	5,000		5,000		8,000
	Limit for laptop	1,000		1,000		1,000
	Limit for watches, jewellery or valuables in total	500	12,500	500	12,500	750	20,000
	Limit for other items (for each item, set or pair)	500		500		500
Section 11	Losing money
	1. Adult	350	600	350	600	500	800
	2. Child	125		125		150
Section 12	Losing travel documents
	Overall section limit	5,000		5,000		8,000
	Limit for accommodation expenses per room per night	400	12,500	400	12,500	400	20,000
Personal accident and medical expenses benefits
Section 13	Personal accident
	1. Adult 70 years old or over	100,000		100,000		150,000
	2. Adult under 70 years old	200,000	800,000	200,000	800,000	500,000	1,500,000
	3. Child	100,000		100,000		150,000
	Or
	Public transport double cover for accidental death
	1. Adult 70 years old or over	200,000		200,000		300,000
	2. Adult under 70 years old	400,000	1,600,000	400,000	1,600,000	1,000,000	3,000,000
	3. Child	200,000		200,000		300,000
	Scale of compensation	Percentage of benefit limit
	a. Accidental death	100%
	b. Permanent total disability	100%
	c. Losing two or more limbs	100%
	d. Losing sight in both eyes	100%
	e. Losing one limb	50%
	f. Losing sight in one eye	50%
	g. Losing speech	50%
	h. Losing hearing	50%
		The total compensation from a to h will not be more than the maximum benefit limit.
Section 14	Medical expenses overseas
	Overall section limit
	1. Adult 70 years old or over (combined for sections 14, 18 and 19)	300,000		300,000		350,000
	2. Adult under 70 years old	500,000		500,000		1,000,000
	3. Child	200,000		200,000		300,000
	Limit for medical aids and equipment	1,000	1,500,000	1,000	1,500,000	1,500	3,000,000
	Limit for claims due to pre-existing medical conditions (combined for sections 14, 18 and 19)
	1. Adult 70 years old or over	100,000		100,000		200,000
	2. Adult under 70 years old	150,000		150,000		300,000
	3. Child	100,000		100,000		200,000
Section 15	Medical expenses in Singapore
	1. Adult 70 years old or over	2,000	100,000	2,000	100,000	5,000	200,000
	2. Adult under 70 years old	25,000		25,000		50,000
	3. Child	15,000		15,000		25,000
	Limit for medical aids and equipment	1,000		1,000		1,500
Section 16	Treatment by a Chinese medicine practitioner or a chiropractor
	Overall section limit	500	1,500	500	1,500	1,000	3,000
	Limit per visit	75		75		100
	Limit for claims due to pre-existing medical conditions	500		500		1,000
	Limit per visit for claims due to pre-existing medical conditions	75		75		100
Section 17	Overseas hospital allowance
	Overall section limit	20,000		20,000		50,000
	Benefit per day	200		200		200
	Limit for claims due to pre-existing medical conditions	NA^#	60,000	3,000	60,000	4,500	150,000
	Benefit per day if due to pre-existing medical conditions	NA^#		100		100
Section 18	Emergency medical evacuation
	Overall section limits	See limit under section 14		See limit under section 14		See limit under section 14
	1. Adult 70 years old or over	See limit under section 14		See limit under section 14		See limit under section 14
	2. Adult under 70 years old	Unlimited	1,500,000	Unlimited	1,500,000	Unlimited	2,000,000
	3. Child	Unlimited		Unlimited		Unlimited
	Limit for claims due to pre-existing medical conditions	See limit under section 14		See limit under section 14		See limit under section 14
	1. Adult 70 years old or over
	2. Adult under 70 years old
	3. Child
Section 19	Sending you home
	Overall section limits	See limit under section 14		See limit under section 14		See limit under section 14
	1. Adult 70 years old or over	See limit under section 14		See limit under section 14		See limit under section 14
	2. Adult under 70 years old	Unlimited		Unlimited		Unlimited
	3. Child	Unlimited	1,500,000	Unlimited	1,500,000	Unlimited	2,000,000
	Limit for claims due to pre-existing medical conditions	See limit under section 14		See limit under section 14		See limit under section 14
	1. Adult 70 years old or over
	2. Adult under 70 years old
	3. Child
Section 20	Compassionate visit
	Overall section limit	10,000		10,000		15,000
	Limit for accommodation expenses per room per night	400	30,000	400	30,000	400	45,000
	Limit for claims due to pre-existing medical conditions	NA^#		10,000		15,000
Other benefits
Section 21	Kidnap and hostage
	Overall section limit	5,000	15,000	5,000	15,000	10,000	30,000
	Every 24 hours	200		200		500
Section 22	Emergency phone charges
	Overall section limit	150	450	150	450	300	900
	Limit for claims due to pre-existing medical conditions	150		150		300
Section 23	Home cover
	Overall section limit	5,000	5,000	5,000	5,000	15,000	15,000
	Limit per item (for each item, set or pair)	500		500		500
Section 24	Personal liability	1,000,000	1,000,000	1,000,000	1,000,000	1,000,000	1,000,000
Section 25	Rental vehicle excess cover	2,000	2,000	2,000	2,000	2,500	2,500
Section 26	Full terrorism cover (for sections 1 to 25)
	1. Adult 70 years old or over	100,000	800,000	100,000	800,000	150,000	1,500,000
	2. Adult under 70 years old	200,000		200,000		500,000
	3. Child	100,000		100,000		150,000

^ Family total means the maximum amount we will pay for each benefit section under the family cover during any one trip. Each insured person is only allowed the maximum benefit per insured person in the table of cover. ^# No coverage for pre-existing medical conditions.

Enhanced Home Insurance

a home protection plan, exclusively designed to suit your needs.

Protect the things that make your house a home!

Apply for Enhanced Home Insurance now and get 15% off a 3-year plan.

Terms and conditions apply.

how to apply

Learn how does Enhanced Home Insurance benefits me

LEARN ABOUT ENHANCED HOME INSURANCE

We believe your home deserves the best protection. Protect what makes your house a home. For most people, their home is their greatest asset. That is why we have designed an insurance plan that protects you, your family^ and your home against unforeseen events.

Key Benefits

Home Protection
Protection for your home including the building¹, renovations² and contents³
personal accident and worldwide liability coverage
Additional benefits such as personal accident and worldwide liability covering you and your family^

Flexibility
Flexible plans to suit your needs

additional benefits

Protection against unforeseen events
Enhanced Home Insurance protects your home against unforeseen insured events⁴ such as fire, theft, flood and even damage due to bursting of water pipes or tanks
Choose a plan that suits your needs
Whether you are a homeowner or tenant, we understand that your home and personal contents are important to you. With Enhanced Home Insurance, you can have the flexibility to choose the coverage amount you need for your building¹, renovations² and contents³.

Additional Benefits
For yours and your family's added protection, our plan also covers the additional benefits at no additional premium.

Building means the building structure (but not the foundations), fixtures and fittings based on HDB's or the property developer's standard specifications.
Renovations means improvements and additions made within the premises by you or any previous owner or tenant in the form of fixtures and fittings. For example, this could include flooring, built-in wardrobes and kitchen cabinets. They do not form part of the building cover.
Contents means any physical and movable household items or personal belongings including money and valuables kept within the premises that belong to you or your family members. But it does not include, amongst other items, motor vehicles, pets and items connected with your business or trade. Please refer to the policy contract for the exclusions and the benefit sub-limits for each type of content.
Insured events means:
1. Fire, lightning or explosion
2. Being hit by a road vehicle, train, animal, flying object or aircraft which you or your family members do not own or control.
3. Actual or attempted theft as long as force and violence are used to get into or out of the premises. You must not leave the premises unoccupied.
4. Bursting or overflowing of domestic water tanks, apparatus or pipes in your premises (but not damage to water tanks, apparatus and pipes and expenses for tracing the source of the leak). The premises must not be left unoccupied.
5. Hurricane, cyclone, typhoon, windstorm, earthquake or volcanic eruption.
6. Flood caused by water overflowing or escaping from its normal channels. This includes flood caused by the sea, windstorm, bursting or overflowing of public water mains or any other flow or build-up of water coming from outside the building structures.
7. Riot, strike or malicious act.

Plans & Coverage

Whether you are a homeowner or tenant, we understand that your home and personal contents are important to you. With Enhanced Home Insurance, you can enjoy the flexibility to choose the coverage amount you need for your building, renovations and contents.

promotions

15% off home insurance
Enjoy 15% discount when you purchase a 3-year plan.

Terms and Conditions

important notes

This is for general information only. You can find the usual terms and conditions of this plan at www.income.com.sg/forms/insDocument/Home.pdf.

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 Income or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Information is correct as of date of publish.

Disclaimer: All insurance products underwritten by Income are contracts between the policyholder and Income. Read full disclaimer.

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^Your husband or wife and children will be eligible to apply for cover if you, as the Plus! Visa or NTUC Plus! Visa credit- or debit-card principal cardholder, are insured under the plan. The sum assured for your husband or wife or child must not be more than your sum assured unless we have reduced your sum assured due to underwriting reasons. If you end your policy, the policy for your husband or wife and children will also end.

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Table of Cover

Standard Plans

Enhanced PreX Plans

Disclaimer

Terms and conditions: 3 LinkPoints for Plus! Insurance Promotion

A home protection plan, exclusively designed to suit your needs.

Protection against unforeseen events

Choose a plan that suits your needs

Additional Benefits

enhanced home insurance Disclaimer

Learn how does Enhanced Home Insurance benefits me

LEARN ABOUT ENHANCED HOME INSURANCE

Key Benefits

Home Protection

personal accident and worldwide liability coverage

Flexibility

additional benefits

Protection against unforeseen events

Choose a plan that suits your needs

Additional Benefits

Plans & Coverage

Our plan also covers these benefits at no additional premium.

promotions

15% off home insurance

important notes

more information

useful information

make a claim

How to apply

Income

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