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2024 Edition: Best Credit Cards for Insurance Premiums

It gets harder and harder every year to earn credit card rewards on insurance premiums. Here's the handful of options remaining.

While it was once possible to earn as much as 4 mpd on insurance premiums, banks have been steadily tightening the noose by  closing loopholes and nerfing rewards.

What, you’re waiting for the good news?

Well, it’s technically not impossible to earn miles here. The scope is just very limited, and you may need to pay a fee. 

What MCC does insurance code as?

Insurance transactions code under two main MCCs: 

• 5960: Direct Marketing Insurance Services
• 6300:  Insurance Sales, Underwriting and Premiums

In case you’re uncertain about the MCC, there’s three ways of looking it up before making a transaction:

Merchants assigned insurance-related MCCs typically pay a below-average processing fee, and banks are therefore less inclined to offer rewards on such transactions. 

Which credit cards earn rewards for insurance?

Sadly, the vast majority of banks exclude insurance transactions from earning points. Here’s a snapshot of each bank’s policy:

There’s only a handful of scenarios where you can earn miles when paying insurance premiums with your credit card. 

Maybank Visa Infinite & Horizon Visa Signature

While the Maybank TREATS programme T&Cs exclude insurance transactions, an explicit exception is carved out for the Maybank Visa Infinite and Maybank Horizon Visa Signature.

2.2 (d) Payments to insurance companies (does not apply to Maybank Visa Infinite for payments up to S$3,000 per calendar month and Maybank Horizon Visa Signature);

The problem is that the Maybank Visa Infinite has a hefty minimum income requirement of S$150,000. The Maybank Horizon Visa Signature has a much lower income requirement of just S$30,000, but insurance transactions earn just 0.24 mpd (better than nothing, I suppose).

If, for whatever reason, your insurance premium happens to be in foreign currency, then the earn rates increase to 2 mpd for the Maybank Visa Infinite and 2.8 mpd for the Maybank Horizon Visa Signature. 

Standard Chartered Prudential Cards

The little-known Standard Chartered Prudential Platinum and Standard Chartered Prudential Visa Signature explicitly state that rewards points are awarded on insurance premiums- even if they’re not from Prudential.

The earn rate is 1X points per S$1 for Prudential Platinum Cardholders, and 1.5X points per S$1 for Prudential Visa Signature Cardholders. This works out to 0.29 and 0.44 mpd respectively.

Do note that the Prudential Visa Signature is only available to members of Ascend by Prudential.

KrisFlyer UOB Debit Card

The KrisFlyer UOB Credit Card does not earn miles on insurance, but its debit card brethren does. Cardholders can earn at least 0.4 mpd on their premiums. 

Why “at least”? Because accountholders can earn bonus miles for putting money in the account and spending on their debit card. The current structure gives a bonus 5 or 6 mpd to anyone who keeps a minimum monthly average balance (MAB) of S$1,000 in the account. 

The catch is that you earn a puny 0.05% p.a. interest, and the bonus miles are capped at 5% of the MAB. In other words, someone who put the bare minimum S$1,000 in the account would be limited to earning just 50 bonus miles per month.

So don’t think too much about the bonus miles; just take this as 0.4 mpd. 

Bill payment services

If you’re willing to pay a fee in exchange for earning miles on insurance premiums, then bill payment platforms like CardUp, Citi PayAll and SC EasyBill are all options.

Whether it’s “worth it” to buy miles at this price all boils down to how much you value a mile. The gold standard is of course to earn miles for free, though if banks keep cracking down, this may be the only option left.

Workarounds

Banks may not be fond of rewarding insurance purchases, but there’s still ways we can “disguise” the transactions.

The key is to find an insurance premium sold by a company whose main line of business is not insurance.

A good example is Klook. Klook usually sells tours and attraction tickets, but they also sell a travel insurance product known as Klook Protect . These policies are underwritten by companies like AIG, AXA, FWD and Zurich, so it’s basically a white label kind of product.

Buying Klook Protect codes the same as any other Klook transaction- MCC 4722 Travel Agencies and Tour Operators. You’d earn 4 mpd with the DBS Woman’s World Card, or 6 mpd with the UOB Lady’s Cards (with Travel selected as your quarterly bonus category). 

Likewise, when you’re booking a Singapore Airlines or Scoot air ticket, you’ll typically be offered the opportunity to include travel insurance. If you opt in, the transaction will code under the airlines’ MCC, allowing you to use the same cards mentioned in the previous paragraph. 

Now, I can’t vouch that these policies will always offers the lowest possible rates and the best possible coverage. You’ll need to do your comparison shopping for that. However, to the extent that the rates are competitive, it’s a simple workaround to get your miles. 

The landscape for earning miles on insurance premiums has grown progressively bleak over the past few years, and I wouldn’t count on the existing avenues lasting very long either- you’ll just have to make hay as long as you can. 

Are there any other ways you know of earning points on insurance premiums?

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The problem with hsbc rewards points, review: citi premiermiles card, 73 comments.

Hi Aaron, How do you make payment for Tokio Marine premiums via Visa/MC? Is there a link that you can share? Thanks

when i got my life insurance plan, my agent gave me a form to fill up. can’t remember if it was first premium only or recurring.

Thanks. I was figuring out how to use Visa/MC to pay for my recurring TM premiums.

I was thinking to use HSBC Revolution card to pay online. However axs-estation do not have HSBC credit card as a selection.

I believe it is only for the first premium only. I also ask this qns before from my TM agent.

Does GPMC work with CardUp and IPM?

Yes it doss

CardUp / iPayMY transactions on GrabPay MasterCard, will not earn any Grab Reward Points. U can only get the 1.5% / 1.7% Cashback via TrueCashback Amex or UOB Absolute Amex Top-Up to GPMC Wallet.

Great article about IP update, looking forward updated article for tuition fee for poor parents.

unfortunately, very few cards left for education payments too!

Great Eastern does not accept Grabpay MC card to pay for my 1st year life insurance. but when i switch to bank MC card, it goes through.

Same here, second this comment.

Hi Aaron, Just sharing, I actually emailed to DBS & Citi to check if they award points/miles if insurance payment made through CardUp Platform but their reply was that no points/miles will be awarded. In the end, I tried using SCB EasyBill function @ 1.9% fee instead.

thanks derek. unfortunately the CSOs have misinformed you. payments made via cardup using citi/dbs cards continue to earn points as per normal, nothing has changed.

CardUp / iPayMY transations does NOT earn points/reward on ALL Citi/DBS cards. eg. DBS Live Fresh / SAFRA Cards do NOT earn cashback on CardUp / iPayMY transactions. DBS Altitude Cards do earn DBS Points on CardUp / iPayMY transactions.

I’m not very sure which Citi cards have cashback/Citi$ for CardUp/iPayMY transactions, as CardUp specifically disallow Citi cards for some payments (eg. Mortgage Loans, etc).

Aaron’s reply is one year ago and at that time is true.

this is also in the context of miles cards. if the qn is: do dbs altitude/citi premiermiles earn miles on cardup, the answer is yes. can’t speak to the cashback cards cause i’m less familiar with that.

citibank and amex cannot be used for mortgage payments or loan payments.

more details: https://carduphelp.zendesk.com/hc/en-us/articles/360024526894-Will-my-spend-on-CardUp-earn-rewards-on-my-credit-card-

Hi Aaron, may I know if the new CitiRewards Mastercard earns the same as the visa? Will I still get 4mpd if I top up grabpay?

Earn the same BUT Visa and Master is different. You won’t get anything on top up grappay with a mastercard!

Thanks for this summary.

I did some google search, and actually I found seems that Amex True Cash Back currently still considers the insurance premium as the eligible transaction. (amex.co/SGexclusions)

Could you please confirm or did I miss something?

If it’s true, given that I might have 10000 SGD pending premium in next few weeks, should I go for this Amex True Cash Back credit card?

amex.co/SGexclusions

https://www.americanexpress.com/content/dam/amex/sg/campaigns/pdfs/true-cashback-card.pdf

https://www.americanexpress.com/content/dam/amex/sg/benefits/SGexclusionsjan20.pdf

https://www.maybank2u.com.sg/iwov-resources/sg/pdf/cards/horizon-benefits-privilege-tnc.pdf

Please see the terms and condition on Maybank Horizon card. Insurance premium is excluded. Not sure whether it is a recent change. Can the admin please verify

read this: https://www.maybank2u.com.sg/iwov-resources/sg/pdf/cards/terms_and_conditions.pdf

more recent.

So from this, I gather that T Points are awarded for the VI card, up to $3000 per calendar month?

maybank visa infinite still awards subject to the cap in t&c

Hi Aaron, would you mind to share your wisdom on the following scenario?

• Using Maybank Visa Horizon card
• Pay up to USD 5000 Insurance premium payment
• Plz note that payment carried out in FCY

May I know, will it have 3000 per month cap and will it follow FCY treat point track, i.e., 5x points ?

OCBC Great Eastern Cashflo have recently changed their terms. no more points i believe and they charge you for amortizing payments

Fyi, I paid for insurance (first time sign up premiums) using Horizon recently, checked statements for next 2 months and zero Treat Points to date.

You can use Horizon to top up Grabpay card to get points and use it to pay for insurance directly or through Cardup. Which insurer?

Amex cards (KF, Platinum and Capitacard) are still giving rewards for GrabPay topup as well, and there is an ongoing campaign. Does that not count?

I guess the Amex offer is targeted and for a limited time, therefore not included as a solution in the long term.

campaign until 10 May 2021 and quota by $5k. but with $5k , at least it is a solution for most of people for this year insurance.

Yup! If you managed to register for the then by all means go ahead

Counts, but the registration cap already exhausted.

Interestingly enough, the Prudential cards also have 10X for foreign currency transactions so you could potentially use this card as a substitute for the Rewards+, or as an alternative once you max out the cap on Rewards+.

yeah, I just realised that while I was reading through T&C. this pooling thing opens up a lot of possibilities…

Hi Aaron, How about Cigna international insurance plan? Since it charges in USD, is it considered an overseas spendings and would go well with SC Rewards+ or PRVI?

MCC overrides currency. if it codes as insurance and the T&Cs disallow, you will not earn points even if it’s FCY

Manulife not included?

hi aaron. grabpay mastercard cannot be used to pay insurance bill via AXS online (see error message below). are u referring to other payment modes?

“Transaction Failed Your payment card is not accepted. Please try again or use another card.”

Grabpay does not work with axs. I am referring to insurance providers who accept credit card payment e.g. Aia

oic! good thing i have not tried to load all the money into grabpay phew

I think it does I just did it last night!

this has been so, for very long already

Anyone has data points on paying non prudential insurance with Stanchart prudential card? Rewards points earned? Also, do you need to be a prudential policy holder?

Oh thanks Aaron. Wasn’t aware Amex card don’t earn points for all insurance payments anymore. Bummer

Just sharing, for Singlife, first premium only is only for Grow policies, their other life policies allow use of all 3 credit cards for recurring payments. Have been using AMEX to pay for my CI policy 😀

thanks for the clarification!

Maybank Platinum VISA card has 3.33% cashback for Insurance premium payments.

Think UOB Absolute Cashback doesn’t exclude insurance payments in the T&C… but it’s AMEX

Can citi payall be used for AIG? The CSO themselves also dunno

It’s also important to note that the daily transaction limit for GrabPay card is $5000

Hi Aaron, Will paying insurance premiums via mAXS earn miles?

Wanted to apply for the Maybank Infinite Visa to pay for my insurance premiums renewal. Insurer side only accepts MasterCard for renewal payment only and I thought I can use the AXN machine to pay using the Maybank Infinite Visa card. While browsing through the card’s T&C they also specifically exclude payment paid using AXN. So although this card technically award miles for payment of insurance premium but there isn’t a channel we can use to benefit from it. Are there other options to use a Visa card to pay for renewal insurance premium (other than AXN) and hope to …  Read more »

UOB Krisflyer card’s T&C seems to indicate that it doesn’t exclude insurance payment

KrisFlyer UOB Account | UOB SingaporeTERMS AND CONDITIONS GOVERNING KRISFLYER UNITED OVERSEAS BANK LIMITED (“UOB”) DEBIT CARD AND KRISFLYER UOB ACCOUNTS AND SERVICES

Well… the T&C on this main page is updated Nov 2022 but probably missing the insurance exclusion

I found same Nov-2022 updated T&C on Moneysmart having insurance exclusion

Hi Aaron, Clause 8f of the SCB Prudential card states “The following transactions will not be considered as Qualifying Prudential Card Transactions. Qualifying Foreign Currency Transactions or Qualifying Dining Transactions: f. recurring payments (being automatic payments where you, the principal or supplementary cardholder of a Prudential Card, have given a one-time authorisation or instruction for the merchant to charge the payment directly to your Prudential Platinum Cards or Prudential Signature Card (as the case may be) at a fixed interval, such as transactions made pursuant to Standard Chartered Bank (Singapore) Limited’s 0% Interest Instalment Plan) or payments made to all …  Read more »

couldn’t you make ad hoc payments though? that’s what I do for my policies

Hi Aaron, able to advise if you have experience making 1 time annual payment via AXS, does the prudential platinum card recognize 1pt for every dollar paid on the insurance policies through AXS?

Are travel insurance typically under the same MCC? Or they still earn miles as online transaction (under other MCC?), thus, online card like WMMC will still earn points/miles.

travel insurance is insurance.

can i ask, how do your pay insurance premium for singlife? don’t seems to have a link to pay

Only an Ascend by Prudential customer is eligible for the Prudential Visa Signature Card.

@aaron, got to update this article to reflect that grabpay doesnt work with Amex cards any more.

Well, it does for another week or so

Well, now Grabpay just doesn’t work “any more” PERIOD

hihi, Im thinking OCBC N90 with cardup? isit a good choice?

Hi Aaron, to clarify SC Prudential non-VI for me to get a higher mpd I should apply for another SC X card?

The problem is some insurance companies like AIA only accepts Mastercard when making renewal premium payments and the only way a visa card can be use is through the AXS channel which the T&C of the visa card specifically exclude for awarding of miles

Getting miles or cashback from paying insurance is getting more difficult. Many do not accept AMEX cards and others like AIA only allow Master card. Either you use Prudential Visa signature card or Maybank. Otherwise for payment that requires Master card I am using Debit Card UOB Krisyfler.

I have given up trying to earn points on insurance. I charge it to any credit card if accepted, and then pay credit bills by GIRO through HSBC Everyday Global Account. At least I get back 1% rebate for that.

TIL on the Maybank card. As it happens I do have insurance premiums in a foreign currency. Thanks!

only reason i’m using the maybank VI card, combining with the airport transport service and it’s actually not bad.

Is the $600 annual fee waivable?

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Best Credit Cards For Paying Insurance Premiums In Singapore 2022

Premiums for medical insurance or life insurance can run into the hundreds each year or, if you’re a bit older, thousands. That’s why it’s so worthwhile signing up for a credit card that rewards you when you use it to pay your insurance premiums.

Insurance isn’t our idea of retail therapy. In a best case scenario, you don’t use your insurance policy, which means that you paid insurance premiums for nothing. In a worst case scenario, you get to use your insurance policy, but it also means that you landed in hospital, got diagnosed with a terrible illness or died. But since paying for insurance premiums is inevitable, it’s best to pay them with a credit card that allows you to claw something back.

How to check if your credit card will reward you for insurance premiums

Insurance premiums are often excluded from credit cards’ cashback, air miles and rewards programmes. Even if your credit card promises to reward you for every cent you spend, insurance premiums might be excluded.

The easiest way to find out is to read your bank’s Terms and Conditions sheet on the credit card’s benefits. Often, googling [name of credit card] + [terms and conditions] will throw up the relevant PDF document, saving you from having to wade through the bank’s website.

There will almost always be a list of exclusions that do not qualify for their cashback/miles/rewards. Check if insurance payments are one of them.

Credit cards that reward you for insurance payments

Highest cashback for insurance payments: american express true cashback card.

This card gives a maximum of 3% cashback on all eligible spending, including insurance payments. It’s the only card with no insurer restrictions and offers immediate cashback in the same month’s statement. However, the 3% cashback is only offered for the first 6 months, and you can only earn that percentage for spending of up to $5,000. If you exceed $5,000, it will drop down to 1.5%.

Still, if you can easily spend that much, go ahead and charge your insurance premiums to the card.

Scenario: Using the American Express True Cashback Card to pay for insurance premiums

It’s quite simple to use the American Express True Cashback Card. $5,000 spend in 6 months is not hard to achieve; most insurance premiums monthly payments and online shopping purchases should easily let you hit the cap.

American Express True Cashback Card

Get S$130 Cash via PayNow when you apply for an American Express True Cashback Card and spend a min. of S$500 in Qualifying Spends within the first month of card approval! T&Cs apply .

Key Features

Unlimited & Immediate Cashback - No min spend and no cap on how much you earn. Get your cashback in the same month's statement.

3% Cashback on all eligible purchases, up to $5,000 spend in the first 6 months for new Card Members.

1.5% unlimited Cashback on all subsequent eligible purchases with no minimum spending and no earn cap.

At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

Simplest cashback for insurance payments: UOB Absolute Cashback

If you want a simple and all-in-one cashback credit card that you’re going to keep for the long-term, your best bet would be the UOB Absolute Cashback credit card. This card allows for insurance premium payments, unlike most cards out there, and you can just about charge anything onto the card and still get that sweet 1.7% cashback — the highest in the market currently. If you’re into maximising your cashback, consider signing up for this card after you’ve exhausted the $5,000 limit for the above mentioned Amex True Cashback card.

Scenario: Using the UOB Absolute Cashback to pay for insurance premiums

Literally charge most of your expenses onto this card — bills, insurance premiums, online shopping, whatever — and then reap the cashback with your monthly statement. This card is suitable for people wanting to save themselves a headache and want something simple to use.

UOB Absolute Cashback Card

[FLASH DEAL | GIVEAWAY] Stand a chance to get S$50 Shopee e-vouchers when you meet the giveaway criteria!  No min. spend required!   T&Cs apply.    PLUS receive  S$350 Cash Credit from UOB  when you are the  first 200 new-to-UOB credit card customers in June 2024  who successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month for 2 consecutive months from your card approval date. T&Cs apply .    Enjoy  10% Cashback  on the transactions charged to your Card during your card approval calendar month and the following calendar month. Total bonus cashback is capped at S$100.  T&Cs apply .

Cash Back Features

Enjoy 1.7% limitless cashback across all your overseas spend and local retail spend including groceries, insurance, as well as big purchases such as home furnishings, electronics and luxury shopping.

Enjoy 0.3% limitless cashback on generally excluded spend such as Grab mobile wallet top-up, school fees, healthcare and government services.

Getting cashback for insurance payments and foreign currency spend: Maybank Platinum Visa

If you find yourself making a lot of foreign currency purchases (shopping on Amazon US for example) and want one card to also pay your bills and insurance premiums, the Maybank Platinum Visa card is just for that.

However, the cashback is on a quarterly basis and is capped at $100 if you hit the minimum spending requirement of $1,000. This amount is quite easy to hit especially if it’s on a quarterly basis.

Scenario: Using your Maybank Platinum Visa to pay for insurance premiums

It happens ALL the time — find yourself window shopping on Amazon Singapore, and you come across something you like but it’s only available on Amazon US. Charge that purchase in USD to your Maybank Platinum Visa and then automate your insurance premiums to this card. Reap the $100 quarterly cashback when it’s time!

Maybank Platinum Visa Card

Up to 3.33% cashback on all local and foreign spend

Get up to S$30 Cashback per quarter when you spend a min. of S$300 in eligible transactions per month

Get up to S$100 Cashback per quarter when you spend a min. of S$1,000 in eligible transactions per month

Get up to S$200 Cashback per quarter when you spend a min. of S$2,000 in eligible transactions per month

Which credit card do you use to pay insurance premiums? Share this article with your family and friends!

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Eligibility Conditions

• The Insured, also known as the Applicant / Proposer, must be a Singapore citizen, Permanent Resident of Singapore or foreigner with a valid Work Pass, Student Pass, Dependant’s Pass or Long-Term Visit Pass.
• The Applicant/Proposer must be at least 18 years of age.
• For more information, please view our Policy Wording

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What Do Travel Insurance Plans Cover?

While pricing is a an important factor when comparing travel insurance plans, other features such as overseas medical coverage, trip cancellation coverage and many other related aspects are as important. These benefits and the extent of coverage for each type of benefit usually varies from insurer to insurer. Here are a few aspects you’ll want to look out for when it comes to choosing a suitable travel insurance with adequate coverage .

Overseas medical expenses

In the event you get diagnosed with some sort of unexpected disease, you’ll be able to claim for the necessary and reasonable overseas medical costs incurred within a certain number of days of your trip (usually 90 days) up to the limit as specified according to your selected plan. For some plans there are also tiered coverage limits for different age groups.

In-hospital cash overseas or allowance

Reimbursements for in terms of cash for hospital stays is another benefit that many insurers include in their plans now, especially after the Covid-19 pandemic.

Emergency medical evacuation and emergency medical repatriation

This is one of the fundamental aspects of every coverage plan. Any costs incurred for emergency medical evacuation and repatriation (including repatriation of mortal remains back to Singapore) that are related to your severe injury/illness diagnosis will be covered.

Keep in mind to have someone on your behalf to contact the insurer’s emergency service to provide your full name, dates of trip, NRIC/FIN number, policy number, name of the place and the telephone number that your insurance provider can reach you, as well as the nature of help required during the emergency, in case you are unable to do so during the emergency.

Trip cancellation/alteration/interruption/delay

Trip cancellations, postponements, delays, and interruptions are often covered if you as the traveller or you relatives travelling with you are diagnosed with a severe illness/get severely injured before the date of departure, subject to terms and conditions.

Pre-existing conditions

This benefit is not commonly included in most travel insurance plans, but currently there are several insurers providing such plans and they include MSIG TravelEasy® Pre-Ex, Income Insurance Enhanced PreX® (formally known as Income) and Etiqa Pre-Ex. The premiums are higher than regular plans, but they provide overseas medical expenses that cover pre-existing conditions.

Does Travel Insurance Cover Cancelled Flights?

Not always! While all travel insurance policies have a "Trip Cancellation" benefit, you can only claim for this if it's for an insured event, such as a serious illness or accident, or unforeseen events such as riots or natural disasters. However, different insurers exclude different scenarios, so it's best to read the policy wording carefully. The following are types of flight cancellations that are NOT covered by travel insurance.

Flight Cancellation Due to Known Event

Flight cancellations due to events which are already made known as public knowledge are not covered by travel insurance, as you are expected to have known about these at the point of buying your tickets. However, if you bought your flights and activated your travel insurance before they became public knowledge, you might still be able to make a claim.

Flight Cancellation with Refund / Replacement

If your flight was cancelled but you were put on a replacement flight, or your fare was refunded, you will not be able to make a travel insurance claim under the trip cancellation benefit. In general, travel insurance is only for unrecoverable costs. However, you may claim for trip delay benefits, such as an extra night's accommodation or extra meals.

You Cancelled Your Own Flight / Trip

Travel insurance typically covers insured events that are beyond your control. If you are the one who changed your mind about your trip, you generally won't be able to claim anything - unless your insurer offers a "Cancellation for Any Reason" benefit. However, in public health emergencies like the COVID-19 outbreak, airlines usually waive the usual penalties for flight cancellations, out of goodwill.

Different Types Of Travel Insurance Coverage

Single trip plans.

If you’re thinking of only taking one or two trips in a year, single-trip travel insurance is probably more suitable for you. As the name suggests, single-trip insurance plans are made for individual travellers, and those who are travelling as families, who need travel coverage for a single trip or holiday, especially for long overseas trips (usually up to 180 days).

It makes more economic sense for those who don't travel very often, plus, single-trip insurance plans can be purchased easily online, with less time in planning and consideration as compared to annual multi-trip plans. But on the flip side, you’ll face the hassle of getting a new travel insurance policy every time you go on an overseas trip. For some, a single-trip insurance plan can get relatively expensive if the trips are short.

Annual Multi-trip plans

Annual travel insurance plans, which are also known as multi-trip travel insurance plans, are designed for those who travel several times in a year. The great thing about this kind of travel insurance is that you only need to do the purchase once, and you’re covered for the next 12 months. It is a good option if you’re a frequent traveller who intends to make many long trips or short weekend getaways abroad in a year.

Individual plans

Going solo as an occasional traveller or frequent traveller means that you’ll most likely need a single-trip individual travel insurance plan or an annual multi-trip travel insurance plan, depending on the frequency of travel.

Family plans

Family travel insurance plans usually cover you and the members of your family who travel with you on your trip, with a maximum number of adults and children to be insured per policy purchased. The people who are insured under a family travel insurance plan may comprise of you and your spouse, and/or your children or grandchildren.

You may want to consider purchasing a family travel insurance plan if you are travelling with your family and thinking of getting a single policy for your family members who are travelling with you, as getting a family travel insurance plan can be more cost-effective than getting separate single trip plans for each family member. What if you and your loved ones are travelling very often as a family? Some travel insurers also offer annual multi-trip travel insurance for families who are frequent travellers.

Single-trip or Annual multi-trip plan - Which one should you pick?

Now that we've detailed out what the different types of travel insurance plans are, it’ll be easier for you to make a decision. If not, here are some examples to help you understand better.

Joshua flies frequently in and out of the country for his business trips. As he works as a legal advisor, his job requires him to travel between Singapore and Thailand twice or once a month. Each trip will last for about a week. In this case, multi-trip travel insurance works best for him as he wouldn't have to keep getting travel insurance before every trip.

Lisa and Amanda are university friends planning to take a long post-graduation trip to Australia. They seldom travel and even if they did, they go on overseas vacations once a year with their own families. For them, the single travel insurance policy is a more suitable choice Australia .

How Do I Choose The Best Travel Insurance?

When choosing travel insurance plans for your holiday or business trips, there are several factors to consider, depending on your priorities. Here are four simple steps to pick a suitable travel insurance plan.

Check general coverage

Instead of deciding solely by price, you should compare the benefits and reimbursement limits for common claims like medical expenses, trip cancellations, flight delays and baggage theft and/or damage.

Compare policy premiums

How much your travel insurance costs depends on your destination and length of stay. Most travel insurance companies have 2 to 3 tiers of plans at different price points, with varying comprehensiveness and reimbursement limits.

Special activities coverage

The breadth of coverage needed largely depends on your itinerary. For instance, if you’re planning to go skydiving, make sure you get a policy that covers aerial sports like MSIG’s TravelEasy® Standard, Elite and Premier plans. Or if you’re going golfing overseas, pick a policy that insures your equipment.

Consider the trip duration

This is one of the important determining factors of which kind of travel insurance you get. Single trip travel insurance plans are usually for short trips. If you’re the kind who travels far and for months, it might be worthwhile to consider buying annual travel insurance.

Unlike single trip travel insurance, annual travel insurance often charges a flat premium and insures you for an entire year of travel. It usually costs about $200 to $300 per year, which is more suitable for a frequent traveller who is probably going to travel overseas more than 7 or 8 times a year, at least.

Best Travel Insurance Plans in Singapore Benefits Coverage

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Travel Surveys

• Top 12 Airlines With Most Cancellations and Delays

Travel Insurance Claims

How do travel claims work.

Before you make a claim from your travel insurance provider, there are several important things to take note of, whether it is for claims related to your COVID-19 diagnosis, loss of baggage, trip cancellation, or other reasons. These include knowing what type of plan you purchased, when did the incident/illness occur (pre-trip, during-trip or post-trip), what belongings or items to claim for, and who are involved.

Here are 3 simple steps to submit your travel insurance claim

Get your supporting documents ready.

Most travel insurers require claims within 30 days. Submit via mail, WhatsApp, their app, or online portal to avoid policy breaches. Keep originals for 6 months in the event the travel insurance provider needs to sight them. Required documents often include personal info, medical reports, ownership proof, trip records, and reports (e.g., police, airline).

Fill in your details and attach your supporting documents in your submission

Log in to your insurer's claims app or portal. Fill in your info, and the necessary details for the claims (email address. policy number, departure date or policy purchase date), upload soft copies of your documents and submit. Alternatively, mail hard copies of your original documents.

Receive an acknowledgement email and await for settlement

After submitting, you'll receive an acknowledgment email. Your claim will be reviewed. For COVID-19-related claims, contact the provided hotline or email. Upon approval, your insurer will coordinate payments, often offering cashless reimbursement through PayNow or iBanking for speed and convenience.

Frequently Asked Questions

What is travel insurance and how does it help me, what's the difference between single-trip or annual multi-trip travel insurance.

When you buy travel insurance you can choose from 2 types of policies, either the single trip or annual multi-trip travel insurance plan. Single trip travel insurance covers you for a single trip and is usually for individual travellers, or those who are travelling as families, who need travel coverage for a single trip or holiday, especially for long overseas trips (usually up to 180 days).

Annual travel insurance plans, which are also known as multi-trip travel insurance plans, cover you for all trips starting and ending in Singapore, and are designed for those who travel several times in a year, each trip lasting for about less than 180 days. You should consider buying Annual Travel Insurance if you travel frequently (more than 10 times a year). You will enjoy significant savings, and you won't have to worry about purchasing travel insurance every single time as you’ll be covered for the entire year.

Are family travel insurance plans cheaper?

Can i buy travel insurance once i'm overseas, how do i compare travel insurance policies, what are the best travel insurance for east and southeast asia countries.

We have written a quick guide on buying the best travel insurance to the nearby countries whether you are travelling to Malaysia , taking a weekend trip to Thailand , holidaying in Bali , planning a trip to Japan or a getaway to South Korea . Before jetting off, here are the 5 must have list of travel essentials that you will need when on holiday.

Does travel insurance cover flight cancellation due to illness?

Is there a difference between family travel insurance plans and group travel insurance plans, we asked singaporeans about flight disruptions, and they answered..

Find out the worst airlines with delays and cancellations according to Singaporean travellers.

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