What you need to know. TEST 11/5 -2

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If you need emergency assistance while travelling, call our Appointed Assistance Company at their 24-hour hotline (65) 6338 1222.

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1

Tell us what you would like to claim for

2

Prepare the required documents and complete the claim form

Death
Required documents
  • Death certificate, autopsy report, coroner's findings
  • Proof of relationship between the insured and the claimant, e.g. copy of marriage certificate / birth certificate
  • Police report, if applicable

Please note that this list is not exhaustive. Other documents may be requested if necessary.

Claim forms

Permanent disability
Required documents
  • Medical report

Please note that this list is not exhaustive. Other documents may be requested if necessary.

Claim forms

Medical expenses
Required documents
  • Original medical bills and receipts
  • If these have been given to another insurer/employer, please provide:
    • Photocopy of the bills
    • Reimbursement letter / discharge voucher from the insurer/employer indicating the amount paid by them

Please note that this list is not exhaustive. Other documents may be requested if necessary.

Claim forms

Study interruptions/ compassionate visit
Required documents
  • Copy of hospital bill / death certificate
  • Proof of insured’s relationship with the person in hospital or who has died
  • Original invoice for purchase of air ticket
  • Original invoice for tuition fee paid

Please note that this list is not exhaustive. Other documents may be requested if necessary.

Claim forms

Travel/ baggage delay
Required documents

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  • Scheduled and revised flight itinerary, boarding pass or passport stamp which shows the date of departure and return to Singapore
  • Written confirmation from the transport operator of the public transport on the cause and length of the travel or baggage delay
  • Delay report and acknowledgement slip (baggage delay claim)

Please note that this list is not exhaustive. Other documents may be requested if necessary.

Claim forms

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Loss or damage to personal belongings (at overseas residence)/ check-in baggage/ travel documents
Required documents
  • Flight itinerary, boarding pass or passport stamp which shows the date of departure and return to Singapore
  • Police report of the lost item (or items)
  • Baggage loss or damage report filed with authorities or service providers
  • Confirmation letter from airlines or travel agent or operator of amount paid as compensation for the loss
  • Photographs of damaged item (or items)
  • Copy of diagnostic report from repairer stating the cause and extent of damage
  • Original repair bill or quotation of repair for damaged item (or items) or original purchase receipt or credit card statement and warranty card of the lost or damaged item (or items)
  • Original invoice for the economy-class transport and accommodation expenses incurred to apply to replace the lost passport or travel documents
  • Original receipt for passport replacement/passport photograph/travel documents

Please note that this list is not exhaustive. Other documents may be requested if necessary.

Claim forms

3

Send us your documents and claim form

Email pcc@income.com.sg with a picture or scan of all required documents and the completed claim form.

Ensure that the overall size of your email attachment(s) does not exceed 30MB. For medical claims, please send the original medical bills to our postal address or submit them at our branches.

Please keep the original completed claim form and the required documents for your own reference. You do not need to send them to us.

Alternatively you can also submit your claim form and the necessary documents through any of these channels:

  1. At an Income branch
  2. To your insurance adviser
  3. By post to:
    Income Bras Basah PO Box 0132
    Singapore 911802

Keep a copy of the completed claim form and the required documents for your own reference.

Your queries answered. 18/5

We will pay the benefit sum to the estate of the deceased provided that the claim is admissible.

If a Will or a Letter of Administration is available, we will pay out the claim to the nominated person(s) accordingly. Otherwise, we will pay out the claim according to Intestate Succession Act.

More information on the Intestate Succession Act

Yes you can if you have purchased the optional sickness coverage under the policy.

In the event that the medical bill has been fully reimbursed to you, you will not be able to claim under Overseas Study Protection Plan. However, if the medical bill is partially settled, you can claim for the remaining amount or up to the policy limit as specified under your policy, whichever is lower.

This decision is made in consultation with the treating doctor, our medical advisor and medical emergency assistance provider.

It is activated when the facilities of the overseas treatment centre are unable to treat you for your injuries / sickness / disease and your medical condition is deemed severe and requires to be evacuated to the nearest centre of excellence for treatment. In such case, we will pay the reasonable cost of transportation and en-route medical case and supplies necessarily incurred whilst overseas.

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Your claim forms. 19/5

Download Overseas Study Protection Plan

Get in touch with us. 18/5

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