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.
- Singlife with Aviva Travel Insurance: Summary
- Singlife with Aviva Travel Insurance
- Singlife with Aviva Travel Insurance Covid Cover
- Singlife with Aviva Travel Insurance Extreme Sports
- Singlife with Aviva vs AIA Travel Insurance
- Singlife with Aviva Travel Insurance Promotion
- Singlife with Aviva Travel Insurance Claim Review
- 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.
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|
|Overseas Medical Expenses /
Emergency Medical Evacuation
|Personal Accident (Death, TPD)||$50,000||$100,000||$500,000|
|Travel Delay ($100/6 hours)||$500||$1,000||$2,000|
($100 for each consecutive 6-hour delay while overseas and $150 after 6 hours of delay when arriving in Singapore)
($200 for each consecutive 6-hour delay while overseas and $150 after 6 hours of delay when arriving in SG)
(S$200 for each consecutive 6-hour delay while overseas and $150 after 6 hours of delay when arriving in Singapore)
|Outdoor Adventure||No but can purchase optional add-on||No but can purchase optional add-on||No but can purchase optional add-on|
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.
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|
|Hospitalisation Cash Benefit||–||–||–|
|Quarantine Cash Benefit||–||$1,000 ($50 for every 24 hours)||$2,000 ($100 for every 24 hours)|
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.
- Med. Coverage (Overseas)
- Trip Cancellation
- Loss/Damage of Baggage
- Total PremiumTotal Premium
[Score up to $35,000]
All eligible customers are guaranteed to receive an S$20 iShopChangi e-voucher*!
Additionally, receive an Eskimo Global 1GB eSIM* worth USD7 (no min. premium required)! T&Cs apply
On top of that, apply and be automatically enrolled in our Wowza Travel Bonanza and score the latest Apple gadgets, Samsonite Spinner and more! T&Cs apply.
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|
|Jet ski||No unless optional add-on purchased|
|White water rafting||Yes up to Grade 2|
|Paragliding, hang gliding, parachute||No|
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|
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
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!