Singlife with Aviva Travel Insurance Review: Covid-19 Cover, SAF MINDEF Promotion

Aviva Travel Insurance Review

The name “Aviva” rings a bell in the minds of all Singaporean men, since they provide you with life insurance when you’re doing National Service.

Your NS or reservist days might be behind you, but you still need to rely on Aviva if you decide to purchase their Singlife with Aviva travel insurance when you go on overseas holidays.

Despite the fact that Aviva already makes loads of money from MINDEF, Singlife with Aviva Travel Insurance is actually a well thought-out product that offers good value for money.

Let’s have a look at how the plan measures up.

Contents

      1. Singlife with Aviva Travel Insurance: Summary
      2. Singlife with Aviva Travel Insurance
      3. Singlife with Aviva Travel Insurance Covid Cover
      4. Singlife with Aviva Travel Insurance Extreme Sports
      5. Singlife with Aviva vs AIA Travel Insurance
      6. Singlife with Aviva Travel Insurance Promotion
      7. Singlife with Aviva Travel Insurance Claim Review
      8. Should I buy Singlife with Aviva Travel Insurance?

1. Singlife with Aviva Travel Insurance Summary

Singlife with Aviva travel insurance comes in three iterations:

  • Travel Lite – Up to $250,000 of overseas medical expenses
  • Travel Plus – Up to $2,000,000 of overseas medical expenses
  • Travel Prestige – Unlimited overseas medical expenses

You can also buy single-trip insurance for trips of up to 182 days or annual multi-trip insurance for unlimited trips within a year of up to 90 days per trip.

Singlife with Aviva logo

Total Premium

S$49.13

18% OffTotal PremiumS$59.92
Online Promo
Covers Covid-19
Med. Coverage (Overseas)
S$2,000,000
Trip Cancellation
S$15,000
Loss/Damage of Baggage
S$5,000
Total Premium
Total PremiumS$59.9218% Off
S$49.13
Online Promo:
Enjoy 18% off all Singlife with Aviva's Single Trip insurance with promo code TRAVEL18
Valid until 30 Sep 2022

2. Singlife with Aviva Travel Insurance: Coverage

As mentioned previously, Singlife with Aviva travel insurance comes in three tiers—Travel Lite, Travel Plus and Travel Prestige.

Here’s a summary of the plans’ key benefits and coverage.

Singlife with Aviva Travel Insurance Travel Lite Travel Plus Travel Prestige
Price (ASEAN) $38.61 $54.78 $76.39
Price (Asia) $47.92 $69.19 $96.43
Price (Worldwide) $71.25 $103.83 $151.95
Overseas Medical Expenses /

Emergency Medical Evacuation

$250,000 $2,000,000 Unlimited
Personal Accident (Death, TPD) $50,000 $100,000 $500,000
Travel Delay ($100/6 hours) $500 $1,000 $2,000
Trip Cancellation $5,000 $15,000 $20,000
Baggage Delay  $500

($100 for each consecutive 6-hour delay while overseas and $150 after 6 hours of delay when arriving in Singapore)

$1,000

($200 for each consecutive 6-hour delay while overseas and $150 after 6 hours of delay when arriving in SG)

$2,000

(S$200 for each consecutive 6-hour delay while overseas and $150 after 6 hours of delay when arriving in Singapore)

Baggage Loss/Damage $3,000 $5,000 $8,000
Outdoor Adventure No but can purchase optional add-on No but can purchase optional add-on No but can purchase optional add-on
Covid-19 Yes Yes Yes

At a glance, the medical and travel benefits are quite generous compared to what’s being offered by competitors like AXA and DBS, particularly because the higher tier gets you unlimited medical expense claims.

Our main gripe is that you have to purchase an add-on to get coverage for outdoor/adventure activities. But if the riskiest thing you plan to do is to binge on local cuisine, you should be fine.

AXA logo

Total Premium

S$106.93

Total Premium
Covers Covid-19
Med. Coverage (Overseas)
S$600,000
Trip Cancellation
S$12,000
Loss/Damage of Baggage
S$10,000
Total Premium
S$106.93

3. Singlife with Aviva Travel Insurance Covid Coverage

The Singlife with Aviva Travel Insurance policy comes with Covid-19 cover, as well it should, because almost all insurers now offer it.

Here are the details:

Singlife with Aviva Travel Insurance Covid Cover Travel Lite Travel Plus Travel Prestige
Overseas Medical Expenses $50,000 $100,000 $200,000
Emergency Medical Evacuation $250,000 $2,000,000 Unlimited
Repatriation $30,000 $500,000 Unlimited
Hospitalisation Cash Benefit
Quarantine Cash Benefit $1,000 ($50 for every 24 hours) $2,000 ($100 for every 24 hours)
Trip Cancellation $500 $1,500 $2,000

As far as Covid-19 benefits go, these are pretty decent.

First of all, they’re automatically included and do not need to be added on like with some plans, notably FWD’s travel insurance. Second, the claim amounts are decent, although they are not as generous as those given by some premium plans like MSIG’s.

FWD logo

Total Premium

S$31.20

20% OffTotal PremiumS$39
Online Promo
Add-on cover for Covid-19 | Low Premiums
Med. Coverage (Overseas)
S$500,000
Trip Cancellation
S$10,000
Loss/Damage of Baggage
S$5,000
Total Premium
Total PremiumS$3920% Off
S$31.20
Online Promo:
Get 20% discount off all plan types & stand a chance to win in FWD's Weekly & Monthly Lucky Draw!
T&Cs apply.
Valid until 30 Sep 2022

4. Singlife with Aviva Travel Insurance Extreme Sports

Bad news, adrenaline junkies. The basic plans exclude anything classified as a dangerous sport or leisure activity.

Here’s whether you’ll be covered for various outdoor activities:

Outdoor Adventure Singlife with Aviva Travel Insurance
Hot air balloon Yes
Scuba diving No unless optional add-on purchased
Skiing, other snow sports No unless optional add-on purchased
Hiking, trekking Yes under 3,000 metres
Mountaineering, outdoor rock climbing No, except mountain trekking under 3,000 metres
Marathons, competitions No
Jet ski No unless optional add-on purchased
White water rafting Yes up to Grade 2
Skydiving No
Paragliding, hang gliding, parachute No
Bungee jumping No
Helicopter sightseeing Yes

Going to Turkey for a hot air balloon ride or to New Zealand for a scenic helicopter ride? You’re in the clear and will be covered.

However, if you want to ski, scuba dive or jet ski, you’ll have to purchase an optional add-on for winter or water sports.

5. Singlife with Aviva vs AIA Travel Insurance

Let’s compare the Singlife with Aviva Travel Insurance plan with AIA Around the World Plus (II), one of their key competitors.

Singlife with Aviva Travel Insurance AIA Travel Insurance
Price (per week) $38.61 – $151.95 $76.75 to $123
Overseas Medical Expenses $250,000 – Unlimited $200,000 – $2,000,000
Emergency Medical Evacuation $500,000 – Unlimited
Trip Cancellation $5,000 – $20,000 $5,000 – $15,000
Baggage Loss $3,000 – $8,000 $3,000 – $8,000
Covid-19 Yes Yes

Comparing the main benefits of Singlife with Aviva and AIA’s plans, it looks like Singlife with Aviva’s offers better value for money!

The cheapest plan from Singlife with Aviva is cheaper than AIA’s but offers similar basic benefits.

6. Singlife with Aviva Travel Insurance Promotion

All MINDEF, MHA and POGIS policyholders (as well as their family members) get 43% off Singlife with Aviva travel insurance.

What’s more, until 31 August 2022, you can shave 18% off the price of single trip travel insurance purchases with promo code TRAVEL18.

By the way, the MINDEF discount applies to immediate family members (parents, siblings, wives, kids) too. So, if your dad or brother or husband is a policyholder, you can get them to buy travel insurance for you…

If you want to find out more about Aviva’s voluntary insurance for NSmen, we’ve written about it here. It’s actually a very, very good deal.

7. Singlife with Aviva Travel Insurance Claim Review

The Singlife with Aviva plan was only launched this year, so there isn’t much information from pleased/peeved customers on the claims process.

But there have been some murmurings on the internet that the claims process takes a long while to complete.

Singlife with Aviva Travel Insurance Emergency Hotline: +65 6460 9391 (24 hour)

Singlife with Aviva Travel Insurance Online Claims: Submit here

Singlife with Aviva Travel Insurance Claims: If you need to mail the original supporting documents (write down your policy number) to Singlife with Aviva, this is the mailing address:

Singlife Travel Insurance Claims
Singapore Life Ltd.
4 Shenton Way
#01-01 SGX Centre 2
Singapore 068807

Singlife with Aviva Travel Insurance Claims Due Date: Claims must be made within 7 days of the event or incident. Notice the rather short time frame – the industry standard is 30 days. This is not one for procrastinators!

Singlife with Aviva Travel Insurance Claims Settlement Time: Singlife with Aviva will acknowledge your claim via email or phone call within 2 working days. If they need further clarification they will follow up within 7 working days. You can also call Singlife with Aviva’s customer service hotline at +65 6827 9933 to follow up.

8. Should I buy Singlife with Aviva Travel Insurance?

Overall, the Singlife with Aviva Travel Insurance Policy is a pretty solid one that offers good value for money.

Its main flaw is that it does not offer coverage for most extreme sports or outdoor activities, so you’ll have to purchase an add-on for that ski or dive trip.

So, if you’re a thrill-seeker, look elsewhere!

Still shopping for travel insurance? Compare all the best travel insurance plans in Singapore here.