Travel Insurance Claims

Yes, you can if you decide not to proceed with the trip. You will be able to claim for the non-refundable and irrecoverable travelling / accommodation expenses paid in advance (including cancellation fee) to recover from your travel agency, airline or hotel.

No, you will not be able to make a claim for trip cancellation due to busy work schedule as this is not one of the reasons covered under the policy.

Yes, you can if your medical condition is not pre-existing. You will be able to claim for the transport expenses and accommodation costs that you have paid or have agreed to pay under a contract and which you cannot get back (including the travel agent’s cancellation fee). You will also be able to claim for additional economy class transport expenses and accommodation expenses for a standard room for your return to Singapore. You must ask for a refund of prepaid expenses from the transport or accommodation provider first. We will reduce the claim by the amount that the transport or accommodation provider has refunded you.

Yes, the policy covers travel delays if the public transport you are scheduled to travel in during your trip is delayed for more than six hours in a row and you are not the cause of delay.

No, you will not be able to make a claim for losses arising from unattended belongings.

You will need to report the loss to the local police or a relevant local authority (e.g. hotel or airline) within 24 hours of the incident. You will also need to obtain a copy of the report for any subsequent claim.

No, the Travel Insurance excludes loss or damaged item covered under any other insurance policy or which had been reimbursed by the carrier, hotel, tour operator, travel agency or  others. 

No, you are not able to make a claim for this case.

The Travel Insurance policy only covers baggage delay under the following conditions:

• Delay is a result of mishandling by an airline or cruise operator
• More than six consecutive hours of delay in receiving your baggage

Yes, you can still submit the claim for our review.

You should take note that in the absence of the original purchase receipts, it is more difficult for us to accurately assess their value. This may result in a further revision of the claim payout after adjusting for depreciation or wear and tear.

No, you are not able to make a claim for items confiscated or retained by customs or authorities.

No, the Travel Insurance policy only reimburses you for any excess or deductible* which you are liable for due to an accident while you are overseas. This includes loss or damage to a rental vehicle during the rental period.

*Excess or deductible: The amount the insured will be required to contribute before they can make a claim.

Travel insurance covers many risks not covered by other types of insurance. These include benefits like Emergency Medical Evacuation, Travel Delay, Baggage Loss or Theft, Overbooked Flights and Flight Misconnection. Please refer to NTUC Income TravelBliss brochure for full Table of Coverage and Benefits. Testing 11/5

Insured Persons must be residing in Singapore. Singaporeans, Permanent Residents or Foreigners with valid Employment Pass, Work Permit, Dependent Pass, Student Pass or Long Term Social Visit Pass can purchase TravelBliss. Application for Child below the age of 16 to be covered under an individual plan must be made in the name of the parent or guardian who is at least 21 years of age.

Foreigners holding a valid Employment Pass or Work Permit and with a permanent Singapore residential address can apply so long as it is for a round trip commencing and returning to Singapore within the period of insurance.

No, all travel policies must be taken before commencement of trip.

TravelBliss provides cover for travels for both leisure and business purposes. However, certain professions are excluded, such as persons engaging in military service or operations, manual work, offshore work, mining, aerial photography, flying or other aerial activities (except travelling as a fare paying passenger on a commercial airline).

The maximum length of each insured trip is 183 days.

By purchasing an Annual Travel Insurance policy, you can make unlimited trips within the policy year and you need not call for activation each time you travel. The maximum length of each insured trip is 90 days.

You can only be covered by ONE TravelBliss policy for the same trip. In the event that you are covered by more than one travel insurance policy underwritten by the company for the same trip, we will cover you under the policy which provides the highest benefit level.

Single Trip Plan - Any 1 or 2 adults travelling with any number of children can apply. The 2 adults need not be related but the children must be the legal child or ward (in the case of a guardian), grandchild, brother, sister, nephew, niece or cousin of either of the adults.

Annual Multi-Trip Plan - For insured, spouse and their dependent children. Trip(s) undertaken by the insured child must be made together with at least 1 insured adult under this plan.

Child - Child insured under a Family plan means any children less than 21 years old, unmarried and unemployment throughout the policy period.

There is no age limit for application. However, if you are aged 70 years old and above, there is a reduction in benefits under Sections 1 to 4. Please refer to the Policy for details.

The Travel Cancellation & Trip Postponement benefit is effective 30 days before your departure or on your date of application, whichever is later. The "Personal Accident" benefit will be effective 3 hours before you depart Singapore. All other sections will be effective only when you are overseas.

The coverage ends on whichever of the following events occurs first:

1. the expiry of the period specified in the Policy
2. your return to your place of permanent residence or
3. within 3 hours upon your arrival in Singapore

All other benefits will be provided only when you are abroad.

TravelBliss does not cover expenses incurred directly or indirectly caused by or arising from any pre-existing conditions whereby you have prior knowledge of before commencement of the policy or which existed or developed symptoms within the 12 months prior to the commencement of each journey or trip.

You may take up the travel insurance policy. However, the intended medical expenses are not claimable.

Expenses incurred for such treatment (whether in Singapore or overseas) for Injury or Sickness sustained whilst overseas are covered subject to a maximum of S$600 for TravelBliss Prestige Plan or $300 for TravelBliss Plan.

TravelBliss covers cost of dental treatment where such treatment is necessary to restore sound and natural teeth caused by an Accident necessarily incurred by you during the Journey subject to the limits under Section 3 of the policy.

Miscarriage caused by accidental falling with external injury or by traffic accident is covered, subject to the limits of the policy. All other pregnancy-related issues will not be covered.

If prior treatment was sought overseas, TravelBliss will cover up to a maximum of thirty (30) days after your return to Singapore or up to a maximum sum of S$55,000 for TravelBliss Prestige Plan or S$30,000 for TravelBliss Plan.

The maximum amount payable for Insured Persons above 70 years of age is up to S$5,000 for Travel Bliss Prestige Plan or S$2,500 for TravelBliss Plan while the maximum payable for Child below 21 years old is S$10,000. Note that such follow-up treatment(s) have to be authorized by a Medical Practitioner. The Necessary and Reasonable cost of medical treatment by a Specialist is payable only if such special medical treatment is deemed necessary and referred to by your Medical Practitioner.

You may seek medical treatment in Singapore within seven (7) days of your return to Singapore. You have a maximum of thirty (30) days from the date of the first treatment in Singapore to continue treatment in Singapore or up to a maximum sum of S$55,000 for TravelBliss Prestige Plan or S$30,000 for TravelBliss Plan.

The maximum amount payable for Insured Persons above 70 years of age is up to S$5,000 for Travel Bliss Prestige Plan or S$2,500 for TravelBliss Plan while the maximum payable for Child below 21 years old is S$10,000.

You should report to the local police within 24 hours following the incident(s) or at a place and time where a report could be lodged at the first possible instance.

Losses arising from unattended luggage or personal effects are excluded.

TravelBliss covers Full Terrorism for all Sections including Nuclear, Chemical or Biological terrorism, subject to the aggregate limits of the policy. However, direct participation in terrorist acts will not be covered.

TravelBliss compensates for the benefits provided under Section 1 for bodily injury sustained whilst overseas as a result of war, if you are caught as an innocent bystander in the country of visit provided such country is not your place of residence or Home Country.

TravelBliss only covers you for loss of money due to robbery or theft only.

All leisure amateur sports, including mountaineering, rock-climbing, winter and water sports including any underwater activity such as snorkeling or scuba-diving are covered at no extra premium so long as they are done as a leisure activity under the guidance of a licensed guide or instructor.

Participation in any professional sports or in any sport whereby the Insured Person(s) would or could earn or receive remuneration, donation, sponsorship or award of any kind is excluded.

Trip cancellation due to this reason is not covered. TravelBliss provides coverage for trip cancellation due to the following Insured Events listed below:

1. Your death or the death of your Relative or Travelling Companion;
2. Serious Injury or Serious Sickness or compulsory quarantine suffered by you or your Relative or Travelling Companion;
3. Sudden riot, strike or civil commotion breakout at the planned destination;
4. Natural disasters occurring at the planned destination such as typhoon, earthquake or tsunami;
5. Witness summons or jury service; or
6. Serious damage to your residence in Singapore due to fire or natural disasters at any time during the period of seven (7) days immediately before the date of departure and which requires your presence at your residence in Singapore on the date of departure.

"Relative" refers to your spouse, child, parent, parent-in-law, brother, sister, grandparent, parent-in-law, great grandparent, great grandparent-in-law, grandchild, niece, nephew, aunt or uncle.

You may call our 24-Hour Emergency Assistance Hotline at (65) 6338 1222.