With effect from 2 April 2022, we will be updating our Privacy Notice to provide greater clarity regarding your personal data. Click here to find out more.

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

Travel Insurance

Income will be there wherever your travels take you

income-logo

Travel with peace of mind, for your holidays.

Policy terms & conditions apply.
Travel insurance underwritten by Income is a contract between the policyholder and Income.

About Travel Insurance

Whether you are planning for a vacation or a business trip, Income Travel Insurance offers you comprehensive coverage so you and your loved ones can enjoy peace of mind when you travel.
We have a wide range of plans that are catered to your family’s needs. You can choose from our standard plans, Classic, Deluxe and Preferred plans or opt for one of the 3 Enhanced PreX plans, which will cover you for your pre-existing medical conditions on top of coverage for all other benefits not relating to pre-existing medical conditions. Whether you are travelling for business or pleasure, worry no more as we take care of your travel insurance needs.

What you will be covered for

Pre-existing medical conditions coverage

Pre-existing medical conditions when you opt for our new Enhanced PreX plans

Travel delay coverage

Travel delay2 not caused by you (including natural disasters)

Medical expenses coverage

Medical expenses incurred during your trip

Trip disruption coverage

Trip disruption when you or your travelling companion fall ill or get injured while overseas

Trip cancellation coverage

Trip cancellation (including insolvency of travel agencies)

Loss of money and personal belongings coverage

Loss of money and personal belongings while overseas

Additional inccured expenses coverage

Additional expenses3 incurred for postponement of your trip

Leisure activities coverage

Activities4 for leisure purposes such as scuba diving, snow-skiing, water rafting and motorcycling

Automatic coverage extension

Automatic extension5 of cover if you get delayed due to unforeseen circumstances

Family Cover6

Protect you and your family with unlimited number of children insured

  1. For Enhanced PreX Superior and Prestige plans, you will have to co-pay 50% of your expenses claim due to pre-existing medical conditions under benefits in Section 1 – Cancelling your trip, Section 2 – Postponing your trip, Section 3 – Shortening your trip and Section 4 – Trip disruption.

    For Enhanced PreX Basic, Superior and Prestige plans, we will not pay the first $100 for each visit of your outpatient medical treatment received overseas as well as overseas outpatient medical treatment by a Chinese medicine practitioner or a chiropractor arising from your pre-existing medical condition or any sickness you knew about. Please refer to the policy conditions for the sub-limit per visit to a Chinese medicine practitioner or a chiropractor.
  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.
  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 while you are overseas if you are:
    • unable to return before the policy expires due to the delay of the public transport that you are travelling on, and the delay is not caused by you, or
    • hospitalized or quarantined overseas as advised by a medical practitioner.
  6. Family cover provides coverage for 1 or 2 adults who are spouses or partners at the time of purchase and any number of their children who do not need to travel together as long as:
    • Adult(s) is 16 years and above and is the parent or legal guardian of the children
    • Child(ren) is below 21 years old and is the biological or legally adopted child(ren) or ward of the adult named under the policy
    • Adult(s) and child(ren) must be insured under the same policy
More Details Less Details

Coverage

Check out our full coverage information:

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/policy-conditions/travel.

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 27 July 2018.

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 2)
Monday to Friday, 9am to 6pm
Income
Call us at
6781 7090 (press 2)
Monday to Friday, 9am to 6pm

Table of Cover

Standard Plans

Information is correct as of 31 May 2016.
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

Overall section limit

5,000

15,000

10,000

30,000

15,000

45,000

Section 2

Postponing your trip

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

10,000

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

1,250,000

1,500,000

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

1,250,000

1,500,000

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

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 limit

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

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

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.

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).