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Personal take:
Singlife gives a better deal for MINDEF/MHA & POGIS insured members.
Singlife covers: loss of frequent flyer points, adventure sports accidents

FWD is cheaper if you are going for a normal travel trip without any special activity like adventure sports.
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EXCLUSIVE SINGSAVER SIGN UP LINK: HERE

Earn 4 miles per S$1 spend on your premium. Travel Miles Campaign and Additional 2 Miles Travel Giveaway T&Cs apply.

Promo valid until 2 May 2024

Check for SingSaver email and follow their email instructions after application to secure your reward		EXCLUSIVE SINGSAVER SIGN UP LINK HERE

Earn 4 miles per S$1 spend on your premium. Travel Miles Campaign and Additional 2 Miles Travel Giveaway T&Cs apply.

Promo valid until 2 May 2024

Check for SingSaver email and follow their email instructions after application to secure your reward
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PremiumBusinessFirstTravel LiteTravel PlusTravel Prestige
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Personal Accident (Accidental Death & Permanent Disablement)
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Adults below 70$200,000$300,000$400,000adult up to 70 years old$50,000$100,000$500,000
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Adults age 70 and above$40,000$60,000$80,000adults above 70 years old$10,000$20,000$100,000
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Child $60,000$90,000$120,000child $10,000$20,000$100,000
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Accidental death and permanent disability due to war
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Adult up to 70 years old$50,000$100,000$500,000
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Adults age 70 and above$10,000$20,000$100,000
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Child $10,000$20,000$100,000
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Family Assistance Benefitnot coverednot covered$8,000
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Child support grant for each dependent childchild education benefit S$5000 per year up to 5 yearsnot covered not covered$25,000
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Personal accident benefit per child
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Overseas Funeral Grant$6,000$12,000$20,000
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Adult
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Child
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Compassionate visit benefit$5,000$7,500$10,000$3,000$10,000$25,000
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Emergency medical evacuationunlimitedunlimitedunlimited$250,000$2,000,000unlimited
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Overseas medical expenses
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adults below 70$200,000$500,000$1,000,000
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adults age 70 and above$40,000$100,000$200,000
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child $60,000$150,000$300,000
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Emergency dental expensesaccidental dental expenses
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adult$2,000$5,000$5,000overseas$1,000$3,000$8,000
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childin singapore
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Mobility aid reimbursement$1,000$3,000$5,000
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Adultnot covered$500$1,000
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Child
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Maternity medical expenses overseasNILNILNIL$1,000$5,000$8,000
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Follow up medical treatment in sg$10,000$50,000$80,000
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Adults below 70/child under individual cover
$6,000$15,000$30,000
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Adults age 70 and above$1,200$3,000$6,000
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Child $1,800$4,500$9,000
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Child companion benefit$5,000$7,500$10,000$3,000$10,000$25,000
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Overseas hospital visit benefit$5,000$7,500$10,000$3,000$10,000$25,000
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Emergency personal mobile phone$200$300$400$100$250actual cost
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Emergency medical repatriationunlimitedunlimitedunlimited
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Repatriation of Mortal Remains Back to Singaporeunlimitedunlimitedunlimited$30,000$500,000Unlimited
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Legal assistancecovered under personal liabilitycovered under personal liabilitycovered under personal liability$250,000$1,000,000$2,000,000
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TCM medicine expenses
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adult50/visit; max 30050/visit; max 50050/visit; max 500250 (50 per visit)500 (75 per visit)1000 (100 per visit)
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child
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Physio and Chiroincluded included included chiro (physio should be under another section on personal accident medical expenses)250 (50 per visit)500 (75 per visit)1000 (100 per visit)
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Public transport double cover
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Adults below 70NILNILNILadult up to 70 years oldnot covered$200,000$1,000,000
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Adults age 70 and aboveNILNILNILadults above age 70 years oldnot covered$40,000$200,000
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Child NILNILNILchild not covered$40,000$200,000
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overseas hospital cash benefit200 per day; max 5000200 per day; max 8000200 per day; max 1000010,000 (200 for every 24 hours of hospitalisation overseas)50,000 (200 for every 24 hours of hospitalisation overseas)50,000 (200 for every 24 hours of hospitalisation overseas)
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overseas ICU cash benefit400 per day; max 5000400 per day; max 8000400 per day; max 10000not coverednot covered50,000 (200 for every 24 hours of hospitalisation overseas)
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local hospital cash benefit200 per day; max 1000200 per day; max 1200200 per day; max 1500S$600
(S$100
for every
24 hours of
hospitalisation
in Singapore)		S$1000
(S$100
for every
24 hours of
hospitalisation
in Singapore)		S$6000
(S$200
for every
24 hours of
hospitalisation
in Singapore)
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Overseas Quarantine Allowance due to
Infectious Disease		not coveredS$300 (S$50 for every 24 hours)S$500 (S$50 for every 24 hours)
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insolvency of travel agency$1,000$3,000$5,000includedincludedincluded
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travel cancellation$7,500$10,000$15,000$5,000$15,000$20,000
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travel postponement$500$1,000$1,500$1,000$2,000$3,000
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replacement of traveller (biz travel only)NILNILNILnot covered$5,000$15,000
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delayed departure$300$500$1,000S$500
(S$100 for each
consecutive
6 hour delay)		S$1000
(S$100 for each
consecutive
6 hour delay)		S$2000
(S$100 for each
consecutive
6 hour delay)
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flight diversion$500$1,000$1,500
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overbooked flight
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missed travel connection$300$500$500
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trip shortening/curtailment$5,000$10,000$15,000trip interruption - back to Singapore$3,000$8,000$15,000
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travel disruption$1,000$2,000$3,000Trip Interruption – Change of trip itinerary$1,000$2,000$3,000
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delayed baggage$150$600$900S$500
(S$100 for each
consecutive
6-hour delay
while overseas
and S$150
a�er 6 hours
of delay
when arriving
in Singapore)		S$1,000
(S$200 for each
consecutive
6-hour delay
while overseas
and S$150
a�er 6 hours
of delay
when arriving
in Singapore)		S$2,000
(S$200 for each
consecutive
6-hour delay
while overseas
and S$150
a�er 6 hours
of delay
when arriving
in Singapore)
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Personal effect and baggage $3,000$5,000$7,500S$2,000
(S$200 for each
consecutive
6-hour delay
while overseas
and S$150
a�er 6 hours
of delay
when arriving
in Singapore)		S$5,000
(Up to S$700
for any article
or set of
articles
if grouped
together)		S$8,000
(Up to S$700
for any article
or set of
articles
if grouped
together)
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loss of travel docs$300$600$1,000S$3,000S$5,000S$5,000
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personal money loss$300$300$300not coveredS$750
(Including
S$300 for cash
or bank notes)		S$3,000
(Including
S$500 for cash
or bank notes)
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fraudulent use of credit card$300$600$1,000not coverednot covered$1,000
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Hijack, Hostage and MuggingS$3,000
(S$250 per 24
hours detained)		S$5,000
(S$250 per 24
hours detained)		S$10,000
(S$250 per 24
hours detained)
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Rainfall protection$50$100$150
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