OCBC / NTUC Plus! Visa Card(s) will be cancelled by 31 Jan 2023. However, Link Rewards membership and Linkpoints remain active. Learn more here.

logo link

Rewards on App

Find us on the FairPrice app!
image
Enjoy an enhanced Link Rewards experience:
  • Receive instant updates on the latest promotions from over 150 Link partners
  • Track Linkpoints history on the go
  • Make cardless payments, as well as earn and redeem Linkpoints at NTUC FairPrice
  • App exclusive deals at NTUC FairPrice

FAQs

Car Insurance

Singapore's leading car insurer lets you drive with confidence

income-logo

About Car Insurance

Driving is not without risk or incidence, indeed, the roads we drive on today may be filled with danger and the unexpected may occur at any turn. That is why you need a motor insurer who truly understands your motoring needs. There is no smarter choice than getting a comprehensive motor insurance coverage and assurance you need with Singapore’s leading motor insurer.
With growing affluence, luxury cars are becoming increasingly common. With our new Prestige plan1, you can now enjoy even more a competitive car insurance premium rates for your prized possession. What’s more, if you are travelling to West Malaysia, we offer you peace of mind with our 24-hour referral services for road and medical assistance2.
Now, you can certainly feel more at ease and drive with greater confidence in Singapore and West Malaysia.

Key Benefits

24/7 Accident response team

Orange Force Accident Response Team at your service 24/7

24/7 Referral services

24/7 referral services for road and medical assistance in West Malaysia2

Motor insurance coverage

Motor insurance coverage for accidental or fire damage, flood and natural disaster

Loyalty discount

5% loyalty discount3

NCD Discount

No Claim Discount (NCD) protection4

Workshops

Choice of workshops with Drivo Premium plan and Drivo Prestige plan

Windscreen cover

Unlimited windscreen cover5

Transport allowance

Daily Transport allowance cover6

Excess waiver coverage

Excess waiver cover7 with Drivo Premium and Drivo Classic plan

Medical coverage

Medical expenses and personal accident benefits

Additional Benefits

Orange Force

Income’s Orange Force Accident Response Team is on call 24/7 to assist you at accident scenes anytime and anywhere on the island. Their presence is comforting and much needed to drivers in times of distress as they help you to document the damage, engage a tow truck and ensure your interests are protected when you are most vulnerable2.

Greater convenience for you to sign up

Now, it is even more convenient for you to sign up for motor insurance. Simply log on and you can purchase, renew and make payment for your motor insurance, no fuss, no hassle.

Greater assurance for you, your authorised driver and your passengers

In the event of an accident involving your vehicle, with our motor insurance, you, your authorised drivers and your passengers will be covered against any medical expenses towards a third party and medical expenses and personal accident benefits.

Fair and prompt claims settlement

At our conveniently located accident reporting centres, you will receive fair claim advice, assistance in filing of the accident report, and in assessing the damages to your vehicle.

Easy access to more than 30 quality workshops islandwide

You will be assured of professional expertise and skills at our quality workshops. These workshops can also assist in handling third party claim against the other party who is at fault. Alternatively, you can choose to have your vehicle repaired at your preferred workshop.

  1. This plan is available for named drivers who are above the age of 33 and have at least 3 years of driving experience without any accident claim.
  2. The 24-hour referral services for road and medical assistance are available within Peninsular Malaysia which includes Penang and Langkawi but excludes the rest of the islands. This service is applicable for Income Private Car Policyholders only.
  3. You will receive a 5% loyalty discount if you have been insuring your vehicle with us for more than 3 years.
  4. You can purchase the optional benefit to protect your NCD if your NCD is at least 30%. However, if you have been enjoying NCD of 50% from us in the last two consecutive years, you will automatically enjoy free NCD protection when you renew your policy with us.
  5. A windscreen excess of S$100 (or any other amount shown on the certificate of insurance) applies for each and every claim under the following plans: Drivo Premium and Drivo Classic plan. For Drivo Prestige plan, the windscreen excess is S$1,000 (or any other amount shown on the Schedule or certificate of insurance) applies for each and every claim.
  6. You can purchase the daily transport allowance cover which pays $50 per day, from the first day of the repair for up to 7 days, for each of your first two claims.
  7. This cover is only applicable to Drivo Premium and Drivo Classic plan. You can purchase the cover to waive the basic excess of $600 when you claim under your motor policy. This excess waiver is not applicable to policies with excess of above $600.
More Details Less Details

Coverage

Find out what our motor insurance policies cover for Private Car, Private Car (Prestige Plan), Private Car (Extension Rider).

Important Notes

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 websites of the General Insurance Association of Singapore (www.gia.org.sg), the Life Insurance Association, Singapore (www.lia.org.sg) or Singapore Deposit Insurance Corporation (www.sdic.org.sg).
Information is correct as of 31 May 2016

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

How to Apply

Income

Apply Now

Call us at

6781 7090 (press 1)
Monday to Friday, 9am to 6pm

Income
Call us at
6781 7090 (press 1)
Monday to Friday, 9am to 6pm

Find us on the FairPrice app!

Enjoy an enhanced Link Rewards experience:

  • Receive instant updates on the latest promotions from over 150 Link partners
  • Track Linkpoints history on the go
  • Make cardless payments, as well as earn and redeem Linkpoints at NTUC FairPrice
  • App exclusive deals at NTUC FairPrice

Find us on the FairPrice app!

Enjoy an enhanced Link Rewards experience:

  • Receive instant updates on the latest promotions from over 150 Link partners
  • Track Linkpoints history on the go
  • Make cardless payments, as well as earn and redeem Linkpoints at NTUC FairPrice
  • App exclusive deals at NTUC FairPrice

Link GAMERS.SG card

Only members aged 18 and above are eligible to apply and enjoy the benefits such as:

  • Earn Linkpoints at at retail outlets, including those with gaming peripherals
  • Redeem Linkpoints to offset retail purchases
  • Get privileges and discounts on gaming peripherals, lifestyle products, and in-game credits
  • Receive career advisory support and workshops for e-sports professionals

Apply online

You’ll be redirected to SCOGA’s website for more information on how to apply for this card

Coming soon

Link NTUC Social Card

This membership is a rider to Association Membership.

Benefits of Link NTUC Social Membership are as such:

  • Earn and redeem Linkpoints at over 1,000 partners’ outlets
  • Eligible for Career Advisory services offered by NTUC U PME Centre
  • Enjoy benefits and privileges from Ready for eXperience (RX) Community Member Programme offered by NTUC Club

Apply online

Members interested in applying for this card can do through your respective Association. You may also email to pme@ntuc.org.sg.

Earn Linkpoints online with Zaful

  • “Log in” to your Link account and start earning!
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Wish

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Vestiaire Collective

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Plus! account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints with UBuy

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints with Strawberry Net

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Shutterstock

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Shopee

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Sephora

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Selfridges

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Swarovski

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Roses Only

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with RoseGal SG

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with ReFa

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Razer

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Qatar Airways

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints with Patpat

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with PUMA

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Nike

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with MyRepublic SIM

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Meta-Pora

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with McAfee

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Lumin

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Luisaviaroma

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with LookFantastic

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Lenovo

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with JD Sport

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Geekbuying

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Galleido

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Farfetch

  • “Log in” to your Link account and start earning!
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with FERNS N PETALS

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints with Dresslily SG

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Dell

  • “Log in” to your Link account and start earning!
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Decathlon

  • “Log in” to your Link account and start earning!
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with DJI

  • “Log in” to your Link account and start earning!
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Crocs

  • “Log in” to your Link account and start earning!
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Canon

  • “Log in” to your Link account and start earning!
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Calvin Klein

  • “Log in” to your Link account and start earning!
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Berrylook

  • “Log in” to your Link account and start earning! 
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Ametsuchi collection

  • “Log in” to your Link account and start earning! 
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Alibaba

  • “Log in” to your Link account and start earning!
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Aldo

  • “Log in” to your Link account and start earning!
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Adidas

  • “Log in” to your Link account and start earning!
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Benefits

Enjoy comprehensive coverage at affordable premiums.

Make room for more convenience and ease of mind for you and your helper. Now, you can look after your helper’s wellbeing without it being a financial burden. Our Domestic Helper Insurance offers comprehensive insurance coverage to ensure your helper is taken care of. You can also choose from various add-ons to ensure that your needs are taken care of.

Benefits at a glance

  1. Personal accident coverage1 for your helper
  2. Provides cover for your helper’s outpatient medical expenses2 due to injury
  3. Letter of Guarantee3 for your helper’s hospitalisation costs
  4. Local and emergency overseas hospitalisation4 insurance coverage for your helper
  5. Up to 90 days pre- and post-hospitalisation treatment coverage5 for your helper
  6. Courier service to assist with renewal and delivery of your helper’s insurance and work permit6 right to your doorstep
Example
An example to illustrate the additional hospital and surgical expenses benefits that your helper will be covered for if they take up the optional covers for their domestic helper insurance.
Your helper was admitted into a Singapore public hospital standard Class C ward with a total bill of $55,000.

Hospital Bill

S$

Total Hospital Bill
55,000
Basic plan with $15,000 hospital and surgical expenses cover (per year limit)
Total claimable under the policy limits
15,000
Income pays
15,000
Employer pays
40,000
Basic plan with $15,000 hospital and surgical expenses cover (per year limit) + additional $30,000 hospital and surgical expenses benefit7 (PER YEAR LIMIT)
Total claimable under the policy limits
45,000
Income pays
45,000
Employer pays
10,000
Basic Plan with $15,000 Hospital and Surgical Expenses Cover (Per Year Limit) + Additional $50,000 Hospital and Surgical Expenses Benefit7 (Per Year Limit)
Total claimable under the policy limits
65,000
Income pays
55,000
Employer pays
0
Hospital Bill S$

Total Hospital Bill

55,000

Basic plan with $15,000 hospital and surgical expenses cover (per year limit)

Total claimable under the policy limits

 15,000

Income pays

15,000

Employer pays

40,000

Basic plan with $15,000 hospital and surgical expenses cover (per year limit) + additional $30,000 hospital and surgical expenses benefit7 (PER YEAR LIMIT)

Total claimable under the policy limits

 65,000

Income pays

55,000

Employer pays

0

The example is based on the assumption that the helper has no pre-existing medical condition. The amount claimable under this benefit is subject to terms and conditions stated in the policy contract. The figures used in the example are for illustrative purpose only.

Important Notes

  1. The accidental death or permanent disability suffered by your helper due to an injury must happen within 12 months from the date of the accident. The amount of benefit payable is subject to the scale of compensation in the policy contract.
  2. This coverage applies up to 12 months from the date of the accident or up to the limit specified in your policy contract, whichever comes first.
  3. This Letter of Guarantee is only applicable if your domestic helper is hospitalised at a Singapore government restructured hospital, and is capped at a maximum limit of $10,000 per admission. Subject to individual hospital guidelines. Other terms and conditions apply.
  4. The final claim amount you will receive depends on the relevant pro ration factor applicable to the eligible hospital and surgical expenses being claimed.
  5. This is payable if your helper is admitted as an inpatient or for day surgery to treat an injury or sickness, provided we pay the hospitalization claim under the policy. Post-hospitalisation treatment coverage is only for the same injury or sickness your helper was hospitalised for.
  6. Renewal of work permit is done by NTUC Income Employment Agency (licence no. 96C5724).
  7. These are additional coverage for hospital and surgical expenses above the annual minimum coverage for inpatient care and day surgery prescribed by MOM
This is for general information only. You can find the usual terms and conditions of this plan at www.income.com.sg/domestic-helper-policy-conditions.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 10 April 2019.
Disclaimer: All insurance products underwritten by Income are contracts between the policyholder and Income. Read full disclaimer.

Premium Rates

Monthly premium for Plus! Protect Classic

Age next birthday (years) Monthly premium1 for sum assured

$10,000

$50,000

$100,000

$150,000

$200,000

$250,000

$300,000

1 to 17

$1.55

$7.75

$15.50

$23.25

$31.00

$38.75

$46.50

18 to 30

$1.55

$7.75

$15.50

$23.25

$31.00

$38.75

$46.50

31 to 40

$1.70

$8.50

$17.00

$25.50

$34.00

$42.50

$51.00

41 to 45

$2.75

$13.75

$27.50

$41.25

$55.00

$68.75

$82.50

46 to 50

$2.75

$13.75

$27.50

$41.25

$55.00

$68.75

$82.50

51 to 55

$4.95

$24.75

$49.50

$74.25

$99.00

$123.75

$148.50

56 to 60

$9.00

$45.00

$90.00

$135.00

$180.00

$225.00

$270.00

61 to 63

$14.95

$74.75

$149.50

$224.25

$299.00

$373.75

$448.50

64 to 65

$14.95

$74.75

$149.50

$224.25

$299.00

$373.75

$448.50

66 to 68

$17.80

$89.00

$178.00

$267.00

$356.00

$445.00

$534.00

69 to 70

$20.30

$101.50

$203.00

$304.50

$406.00

$507.50

$609.00

Monthly premium for Plus! Protect Prime

Age next birthday (years) Monthly premium1 for sum assured

$10,000

$50,000

$100,000

$150,000

$200,000

$250,000

$300,000

1 to 17

$2.35

$11.75

$23.50

$35.25

$47.00

$58.75

$70.50

18 to 30

$2.40

$12.00

$24.00

$36.00

$48.00

$60.00

$72.00

31 to 40

$2.50

$12.50

$25.00

$37.50

$50.00

$62.50

$75.00

41 to 45

$4.20

$21.00

$42.00

$63.00

$84.00

$105.00

$126.00

46 to 50

$4.35

$21.75

$43.50

$65.25

$87.00

$108.75

$130.50

51 to 55

$6.50

$32.50

$65.00

$97.50

$130.00

$162.50

$195.00

56 to 60

$10.45

$52.25

$104.50

$156.75

$209.00

$261.25

$313.50

61 to 63

$17.05

$85.25

$170.50

$255.75

$341.00

$426.25

$511.50

64 to 65

$21.00

$105.00

$210.00

$315.00

$420.00

$525.00

$630.00

66 to 68

$38.95

$194.75

$389.50

$584.25

$779.00

$973.75

$1,168.50

69 to 70

$44.85

$224.25

$448.50

$672.75

$897.00

$1,121.25

$1,345.50

You can choose your sum assured in multiples of $10,000 from $10,000 up to $300,000 each for you, your husband or wife2 and your child3.
You can pay your premium either on a monthly or yearly basis and it will be deducted via your OCBC Plus! or NTUC Plus! Visa credit- or debit-card. If you wish to pay your premium on a yearly basis, the yearly premium will be the monthly premium multiplied by 12 months. Premium rates are not guaranteed and may be reviewed from time to time. The premiums that you pay are based on the sum assured and insured’s age next birthday. Premium rates will change when the insured enters a higher age band.

Important notes

1 Premiums must be paid using your OCBC Plus! or NTUC Plus! Visa credit- or debit-card. All coverage will end if you fail to maintain at least one OCBC Plus! or NTUC Plus! Visa card issued by OCBC Bank.

2 You and your husband or wife must be at least 16 years old at the point of application. The oldest you and your husband or wife can take up the policy is age 60 and coverage will end when you or your husband or wife reaches the age of 70.

3 Your child must be at least 15 days old at the point of application. The oldest your child can take up this policy is age 17. Your child’s cover will end when your child reaches the age of 25. This plan does not cover any claim or loss arising from insured taking part in full-time National Service.

Benefits

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

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.

Benefits at a glance

  1. Protection for your home including the building1, renovations2 and contents3
  2. Additional benefits such as personal accident and worldwide liability covering you and your family
  3. Flexible plans to suit your needs

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 enjoy the flexibility to choose the coverage amount you need for your building, renovations and contents.

Additional Benefits

For yours and your family’s added protection, our plan also covers the following benefits at no additional premium.
Benefit Maximum benefit limit ($)

Professional fees

10% of total benefit limit of building/renovations cover

Removal of debris

5% of the total benefit limit of building/renovations and contents cover

Temporary cover for new improvements

10% of the total benefit limit of building/renovations cover

Loss of rental income and extra hotel expenses
Extra hotel expenses

Overall section limit: 10% of the total benefit limit of building/renovations and contents cover
Sub-limit: Up to $350 a day

Conservancy charges

$1,000

Accidental breakage of mirrors and fixed glass

$1,000

Loss of or damage to contents while being temporarily removed from the premises

Overall section limit: 15% of the total benefit limit of contents cover
Sub-limit: $500 for each item

Loss of or damage to contents belonging to your domestic helper

$500

Replacing locks and keys

$500

Deterioration of food in the refrigerator

$500

Unauthorised transactions on your stolen atm or credit card

$1,000

Family personal accident
a. Adult aged 21 but under 70 years old
b. Child aged from 30 days to 21 years old

Overall section limit: $50,000
Sub-limit: $20,000 for each adult
Sub-limit: $10,000 for each child

Medical expenses for injury due to an insured event

$1,000

Family worldwide liability

$500,000

Loss of domestic pet

$500

Emergency cash allowance

$500

Stress payment

$300

  1. Building means the building structure (but not the foundations), fixtures and fittings based on HDB’s or the property developer’s standard specifications.
  2. 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.
  3. 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.
  4. 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.

Disclaimer

All insurance products are underwritten by NTUC Income Insurance Co-operative Limited UEN. No.S97CS0162D. Insurance products distributed through Plus! U herein are products of Income and are governed by contracts entered into between the policyholder and Income, and not with NTUC FairPrice Co-operative Limited, Link Loyalty Services Pte Ltd or OCBC Bank. Insurance products are not bank deposits or obligations of, or guaranteed by OCBC Bank. No representation or warranty whatsoever (including without limitation any representation or warranty as to accuracy, usefulness, adequacy, timeliness or completeness) in respect of any information (including without limitation any statement, figures, opinion, view or estimate) provided herein is given by Income, Plus! U, NTUC FairPrice Co-operative Limited, Link Loyalty Services Pte Ltd or OCBC Bank and it should not be relied upon as such. Income, Plus! U, NTUC FairPrice Co-operative Limited, Link Loyalty Services Pte Ltd and OCBC Bank do not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time. All information presented is subject to change without notice. Income, Plus! U, NTUC FairPrice Co-operative Limited, Link Loyalty Services Pte Ltd and OCBC Bank shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein.

All insurance policies are 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 web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).