Travel Insurance

DirectAsia Travel Insurance Singapore Review 2018


Clara Lim



In a really crowded travel insurance space, DirectAsia is one of the many providers positioning themselves as cheap but good. So is DirectAsia travel insurance worth considering? Let’s check them out.


DirectAsia Travel Insurance Price and Coverage

Travel insurance plan DirectAsia DA150 DirectAsia DA200 DirectAsia DA500
Price for one week in… ASEAN: $25

Asia: $31.25

Worldwide: $51.25

ASEAN: $28.75

Asia: $35

Worldwide: $55

ASEAN: $38.75

Asia: $50

Worldwide: $68.75

Promotion Currently 20% off
Medical expenses (overseas) $150,000 $200,000 $500,000
Emergency medical evacuation $1,500,000 $1,500,000 $1,500,000
Personal accident (death & TPD) $100,000 $300,000 $500,000
Travel delay ($100 every 6 hours) $1,000 $1,000 $1,500
Trip cancellation $3,000 $10,000 $15,000
Baggage delay ($200 every 6 hours) $1,000 $1,000 $1,200
Baggage loss/damage $1,000 $3,000 $5,000
Adventure activities covered? Only if you add on Extreme Sports and Activities cover


DirectAsia travel insurance price comparison

DirectAsia’s basic DA150 plan is affordable, especially with the current 20% off promotion.

Interestingly, DA200 and DA500 are cheaper than many of its competitors’ 2nd- and 3rd-tier plans. Don’t be fooled into thinking you can get First class at Economy prices though. When you look at the coverage, DA500 is similar to typical 2nd-tier travel insurance. That makes DA200 sort of a weird in-between product – Premium Economy, if you will.


DirectAsia travel insurance coverage comparison

Overall adequate coverage all round, but not impressive. For example, the $150,000 limit on overseas medical expenses is a little low compared to FWD’s and NTUC Income’s basic plans which offer $200,000 and above.

Important note: DirectAsia’s plans do not automatically cover most outdoor activities. You have to add on an Extreme Sports and Activities option to cover activities like hiking, skiing, scuba diving, kayaking, wakeboarding, etc. For most of these, you have to make sure your guide and/or tour operator is properly licensed though, especially in countries where tourism isn’t tightly regulated.

Looking to buy DirectAsia travel insurance? Compare all Singapore travel insurance policies by price and coverage first.


How to make DirectAsia travel insurance claims

Emergency hotline: Call the DirectAsia emergency hotline at +65 6532 1818 (Singapore) or +65 6603 3699 (international).

Phone claims: Call +65 6532 1818 to start the claims process. You will be assigned to a personal Claims Specialist whom you can contact directly.

Things to note: Claims must be made within 30 days of your return to Singapore.

Refer to DirectAsia’s travel claims page for what documents to submit for each type of claim.


Most (80%) of DirectAsia’s claims are settled within 24 hours. Apart from speed, they also focus on personalised service and responsiveness to make the whole claims experience a good one.


Summary: Pros & cons of buying travel insurance with DirectAsia

PRO: Known for good claims experience. DirectAsia really prides itself on personalised service and quick turnaround on claims. However, be prepared to be quite meticulous about paperwork. For example, you can claim for terrorist-related disruptions, but you may need documentation that your tour operator refused to refund you first.

PRO: Benefits for family travel. DirectAsia’s family plans cover up to 4 kids each, and children’s payable limits are the same as adults. There’s also an option to add on insurance for your maid if you want her to travel with your family.

CON: So-so coverage on their basic plan. DirectAsia’s DA150 looks cheap and cheerful but its coverage isn’t that comprehensive. You might want to get DA’s 2nd-tier plan at least.

CON: Outdoor activities are not automatically covered. You have to pay extra to have your outdoor activities covered (but at least DirectAsia offers this option). There’s also a separate add-on to insure your sports equipment.


Is DirectAsia’s claims procedure really that good? Share your experiences in the comments.

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Clara Lim

I used to be MoneyDumb. I hung out at H&M every day and thought that a $50 lunch set was a good deal. These days, I spend my time researching the crap out of life and trying to maximise utility on micro-decisions. I'm not sure if that's an improvement.