Single Life Travel Insurance Review
Singlife Travel Insurance offers comprehensive coverage covering medical expenses, trip cancellation and interruption, personal accident, personal liability and legal fees, etc.
There are three different types of policies: individual policies, family policies and group policies. All types of policies, except group policies, can be purchased as annual multiple trip policies for frequent flyers.
Its COVID-19 coverage and easy claims experience make it an especially attractive option in the current travel environment.
main advantage
Extensive travel inconvenience for any reason
Extensive Travel Inconvenience: Singlife Travel Insurance provides extensive coverage for various travel inconveniences that may arise for any reason, such as travel delays, trip cancellations, and delayed or lost luggage. Coverage amounts vary by the type of plan selected.
Singlife Travel Insurance is designed to provide the insured with financial protection against the impact of financial loss or additional expenses due to unexpected travel inconvenience.
Unlimited Overseas Medical Expenses Coverage
Unlimited Medical Overseas Expenses Coverage: Singlife Travel Insurance provides unlimited coverage for medical expenses incurred overseas due to illness or injury while traveling under the Prestige Plan. This coverage includes hospitalization, medical treatment and emergency medical evacuation.
Unlimited coverage means that the insured does not need to worry about the medical expenses incurred overseas reaching the maximum coverage limit. This benefit is intended to provide the insured with financial security in case of an unexpected medical emergency that may cause significant financial loss.
rainproof
Rainfall Protection: This benefit is unique to one-way Singlife travel insurance and covers travel inconvenience caused by heavy rain.
If your trip is affected by excessive rainfall of more than 6.4 mm per full 24-hour period, and if more than 50% of your travel time is affected by it, Singlife will provide compensation of S$50, up to a maximum rainfall of S$150. This offer is helpful for travelers traveling to destinations prone to heavy rainfall or monsoon season.
Comprehensive COVID-19 Coverage
Comprehensive COVID-19 Insurance: Singlife travel insurance offers comprehensive coverage for COVID-19 related medical expenses, trip cancellation, trip interruption and even overseas quarantine benefits.
Singlife offers a variety of COVID-19 insurance coverages, with the coverage amount depending on the insurance plan. This benefit is important for travelers who are concerned about the risk of contracting COVID-19 while travelling, and want to make sure they are protected in the event of any COVID-19 related incident.
Get a convenient claims experience with PayNow
Singlife Travel Insurance provides a convenient and hassle-free claims settlement experience with PayNow. To file a claim, the insured simply uploads the necessary documents via the Singlife mobile app or website, waits for the assessment, and deposits the claim amount directly into their bank account via PayNow.
This provides a quick and easy claims process, which is especially useful for travelers who need to make a claim while traveling.
If the claim is successful, you will receive claim payment via PayNow within 3 business days.
Rental Vehicle Excess and Return Insurance
Excess and Return of Rental Vehicles: This coverage protects against excess charges if the rental vehicle is lost or damaged while traveling. Singlife Travel Insurance reimburses excess charges charged by car rental companies up to a policy maximum of S$2,500 for its Prestige plan.
Additionally, this policy also provides reimbursement of up to S$500 for the return of the rental vehicle if the insured is hospitalized and unable to return the vehicle due to an unforeseen accident, illness or injury. For travelers who rent a car for their trip, this benefit can be helpful.
travel assistant
Travel Assistant: Singlife Travel Insurance offers a Travel Helpline which provides a variety of travel-related assistance services such as emergency medical assistance, travel information and advice, and assistance with lost passports or credit cards. Travel Assistant is available 24/7 to all policyholders.
For travelers who are unfamiliar with a destination or who need assistance while traveling, Travel Assistant can help provide valuable information about destinations and travel arrangements, or provide assistance in an emergency.
Types of Travel Insurance Offered
COVID-19 Medical Expenses and Trip Cancellations
COVID-19 Medical Expenses and Trip Cancellation: This insurance provides reimbursement for medical expenses incurred during travel due to COVID-19, including inpatient and outpatient medical expenses.
This coverage is available for all plans up to a maximum coverage of S$200,000. This coverage also covers trip cancellation or postponement due to COVID-19 before the trip commences, with coverage ranging from S$500 to S$2,000.
Overseas and local medical expenses protection
Overseas and Local Medical Expenses Cover: This benefit provides reimbursement for medical expenses incurred during overseas travel due to unforeseen accidents or illnesses. This includes hospital costs, outpatient medical costs, and diagnostic testing costs.
Overseas coverage amounts range from S$250,000 to unlimited coverage, depending on your plan type. Singlife will pay for local medical expenses within five days of returning to Singapore, provided no medical treatment was sought overseas during the trip. Additionally, Singlife will also cover follow-up medical treatment within 31 days of returning to Singapore if initial treatment is undertaken during the trip.
overseas medical evacuation
Medical Evacuation Overseas: This insurance provides emergency medical evacuation to the nearest medical facility or return to Singapore for treatment. This coverage applies to all plan types with varying coverage.
Overseas and local unexpected dental expenses
Overseas and Local Accidental Dental Expenses: This insurance provides reimbursement for unexpected dental expenses incurred during overseas travel. The maximum sum assured is up to S$8,000.
Personal Accident Protection
Personal Accident Protection: This insurance provides protection against death, permanent disability and burns caused by accidents. This coverage is available for all plans up to a maximum coverage of S$500,000.
Personal Liability and Legal Fees
Personal Liability and Legal Fees: This coverage protects others from legal liability for accidental injury or death or property damage. This includes legal fees and compensation payable to third parties. The maximum sum assured is up to S$2,000,000.
Travel Inconvenience: Cancellations and Interruptions
Trip Cancellation/Interruption: This coverage provides protection against trip cancellation or interruption due to unforeseen events such as illness, injury or death of the insured or his or her immediate family members, traveling companions or business associates. This includes reimbursement for non-refundable travel expenses such as airfare, accommodation and travel expenses.
travel delay
Travel Delay: This coverage provides compensation for travel delays exceeding a specified number of hours caused by the negligence of the airline or any licensed transportation provider. Compensation is paid for every 6 consecutive hours of delay. The policy maximum is up to S$2,000.
personal baggage delay
Personal Baggage Delay: This insurance provides compensation for delayed checked baggage exceeding the specified number of hours due to the airline's fault. Compensation will be paid for every 6 consecutive hours of delay, up to a maximum of S$2,000.
Lost/damaged personal luggage or personal items
Loss/Damage of Personal Luggage or Personal Effects: This coverage provides compensation for loss of or damage to personal luggage or belongings during travel. The maximum sum assured is up to S$8,000.
terrorism reporting
Terrorism Coverage: This coverage provides protection against acts of terrorism that may result in trip cancellation or interruption. The maximum sum assured is up to S$500,0000.
Excess return of rental vehicles
Rental Vehicle Excess Insurance: This insurance provides protection against excess expenses incurred when the rental vehicle is lost or damaged while traveling.
This insurance covers excess charges charged by the car rental company up to a maximum coverage of S$2,500. Singlife also covers the cost of returning the rental vehicle in the event of hospitalization due to injury or illness.
optional additional insurance
Winter Sports and Sports Equipment
Winter Sports Insurance: This optional policy provides coverage for winter sports such as skiing, snowboarding and snowmobiling, and also covers any accidental damage, loss or theft of sports equipment used for such activities.
This coverage also covers the cost of equipment rental if the insured's equipment is lost, stolen or damaged while traveling.
Adventure Watersports & Sports Equipment
Adventure Water Sports Coverage: This optional coverage provides protection for adventure water sports such as diving, water rafting and kayaking, and also covers any accidental damage, loss or theft of sports equipment used for such activities.
This coverage also covers the cost of equipment rental if the insured's equipment is lost, stolen or damaged while traveling.
Overseas Wedding & Shooting
Overseas Wedding and Photography Coverage: This optional coverage provides coverage for couples traveling abroad for weddings or photography.
It covers unexpected expenses resulting from the financial failure of pre-booked licensed wedding service providers and the personal liability loss of ceremonial attire or wedding accessories, marriage certificates, wedding photo albums, and invited guests.
Golf & Golf Equipment
Golf Vacation Insurance: This insurance covers golfers traveling overseas to play golf.
It covers any accidental damage, loss or theft of golf equipment during travel, as well as equipment rental costs incurred as a result of loss or damage to the insured’s golf equipment. Singlife also covers unused green fees due to injury or illness with a doctor's note.
Available Policies and Coverage Types
Single Trip Policy
Single Trip Policy: This policy covers a single trip and is suitable for those who travel occasionally. It offers a range of benefit coverage including medical expenses, trip cancellation and interruption, personal accident and more.
Annual Multiple Travel Policy
Annual Multiple Trip Policy: This policy covers an unlimited number of trips within a 12-month period, each trip not exceeding 90 days. It's for those who travel a lot for work or pleasure and want to save time and money by not having to buy a separate policy for each trip.
family
Family Policy: This policy provides coverage for families traveling together with up to two adults and up to ten children under the age of 18. It offers similar insurance benefits to individual policies with the added benefit of covering the entire family under one policy.
group
Group Insurance: This insurance covers groups of 2 or more people traveling together. It offers similar insurance benefits to individual policies with the added benefit of covering the entire group under one policy, making it easier and more convenient to manage everyone's coverage.
Singapore Life Travel Insurance Claims
Contact Singapore Life ASAP
To make a claim, the insured should contact Singlife as soon as reasonably possible by calling the Customer Service Line at +65 6827 9933 during office hours or submitting a claim online.
If you are overseas and facing an emergency, you can call their 24/7 emergency claims assistance line on +65 6460 9391.
Prepare supporting documents
Provide relevant information: When making a claim, provide Singlife with all relevant information and documents such as your policy number, personal details, incident details and any receipts or proof of loss in support of your claim. Be as detailed and provide accurate information as possible to avoid delays in processing your claim.
Submit a claim form
Submit your claim form and all required supporting documentation online or by mail.
Waiting for confirmation
After submitting your claim, SingLife will assess your claim and notify you of the outcome. This may involve further investigation or clarification of the circumstances surrounding the incident.
frequently asked questions
How to buy single life travel insurance?
You can buy Singlife travel insurance through Singsaver. Simply choose the plan that suits your needs, provide your personal and travel details, and pay online.
Can I cancel my Singlife travel insurance policy?
Yes, you can cancel your Singlife travel insurance policy. A single trip policy can only be canceled by notifying Singlife in writing. You may be entitled to a refund, less a fee, as long as you cancel the refund before departure and you have not made a pre-travel claim.
For annual multiple travel policies, you may cancel within the 14-day free viewing period from the effective date of the policy. If you do not travel or make any claims, you will be entitled to a full refund of the premiums paid.
Can I buy Singlife travel insurance if I am not a resident of Singapore?
Yes, if you are not a Singaporean, you can purchase Singlife travel insurance as long as you are a resident of Singapore.
Can I buy Singlife travel insurance if I have a pre-existing medical condition?
Yes, you can purchase Singlife travel insurance if you have pre-existing conditions, but the policy does not cover any loss, damage or liability arising directly or indirectly from any pre-existing conditions.
Before purchasing a policy, it is important to read the wording of the policy carefully and understand the coverage exclusions.
Can I buy Singlife travel insurance if I have already traveled and need COVID-19 coverage?
No, you cannot purchase Singlife travel insurance if you have already traveled. The policy must be purchased before leaving Singapore to be eligible for coverage.
What is the maximum coverage period for Singlife travel insurance?
The maximum period of coverage for any single trip is 182 days. If you have an annual multiple trip policy, Singlife can cover multiple trips, up to 90 days per trip.
Can I extend my Singlife travel insurance if my trip is extended?
Yes, you can extend your Singlife travel insurance coverage if your trip is extended. Please refer to your policy wording for conditions regarding automatic extension of coverage.
Can I modify the travel policy start date?
Can't. Existing policies need to be eliminated and replaced with new ones.