StudySafe - Pursue your studies in Singapore with peace of mind


Taking a leap of faith by picking the diverse and vibrant Singapore to pursue your studies can be both an exhilarating and intimidating experience. As you embark on a new chapter in your life, do not let unforeseen events disrupt your studies.

With our specially tailored StudySafe Insurance, you will be protected with coverage for medical expenses, personal accidents, loss or damage of your personal belongings, and more. Plus, the extensive protection includes COVID-19 benefits to keep you safe while focusing on your academic pursuits.

Why choose StudySafe?

  • 24hr worldwide* personal accident protection
  • Medical coverage including COVID-19*
  • Study interruption & compassionate visit protection
  • Doubles as travel insurance & covers leisure activities

Get a quote to protect yourself with StudySafe today.

StudySafe is underwritten by Income Insurance Limited, you will be led to Income's portal for the quote.

Key Benefits of StudySafe 

24-hour worldwide* protection against personal accidents
Explore the world without worries knowing that you are protected against personal accidents, regardless of whether you are in Singapore or elsewhere.

Inpatient and outpatient medical treatment benefits, including COVID-19 cover*
We safeguard you against medical and surgical bills if you are unwell and require any medical attention. In times of uncertainty due to the pandemic, StudySafe also includes coverage for your hospital and surgical expenses and emergency medical evacuation cost if you are diagnosed with COVID-19. 

Coverage for leisure activities
Studying abroad is one of life’s most exhilarating experiences, you should explore and relax while in Singapore. Enjoy the thrills of indoor surfing and man-made wall climbing with peace of mind knowing you are protected. 

Doubles up as travel insurance  
StudySafe doubles up as travel insurance when you head overseas from Singapore for vacations*, at no extra cost. You are protected from travel inconveniences such as travel delays, loss of travel documents, and trip cancellations.

Protection against study interruptions
If you are unable to continue with a school term due to you or your parents’ extended hospitalisation, StudySafe covers your tuition fees and accomodation fees that cannot be refunded.

Compassionate visit cover
No one wants to be alone in a foreign land when injured or sick. If you are hospitalised for five days or more, or in the event of your death, StudySafe pays for a family member to travel here and be with you or help in final arrangements to bring you home. If your family member back home is hospitalised or passes, StudySafe also pays for your travel back to be with them or to attend their funeral.

Download the brochure for the table of cover and more information about StudySafe.

*Terms & conditions apply, please refer to the policy wording.

Carefree students

Achieve your academic dreams with confidence; get a quote for StudySafe

StudySafe is underwritten by Income Insurance Limited, you will be led to Income's portal to get a quote.

Frequently Asked Questions about StudySafe

You can be insured under this policy if you are:

  • Between 10 and 50 years of age; and
  • Registered as a full-time student and holding a valid student identification card issued by an educational institution in Singapore; and
  • Holding a valid student pass and/or dependent pass issued by the government authorities in Singapore throughout the entire period of insurance.

StudySafe is eligible only for full-time students studying in Singapore throughout the entire period of insurance, thus all applicants must have a valid Singapore residential address to apply for this policy. We do not accept foreign address.

Yes, you can extend your coverage by paying an additional premium. This is provided that your policy is still in force.

Contact us at s[email protected] to make your request. We will advise you on the additional premium that you are required to pay.

If we receive your cancellation request before the start date of the policy, we will provide a full refund.

After the start date of the policy - we will work out your refund based on this calculation:
[85% of the premium paid] x [Period of insurance (in days) still left to run / Original period of insurance of this policy]

We do not refund any amount below $37.45 (inclusive of GST). We will also not provide premium refunds if a claim has been made under your policy.

This policy covers hospitalisation expenses due to COVID-19 under Section 23a and emergency medical evacuation and sending you home due to COVID-19 under Section 23b.

Please note that claims for expenses in Singapore that you can recover from elsewhere and expenses in your home country are not covered. Any expenses incurred for mandatory COVID-19 diagnostic tests that are required to take for the trip, such as Antigen Rapid Test (ART), Polymerase Chain Reaction (PCR) test, rostered routine tests, pre-departure tests and post-arrival tests are also not covered.

Please refer to the policy wordings for full terms and conditions.

You must fulfil all vaccination, predeparture tests and post-arrival tests requirements (if any) imposed by the destination country or transport operator at the time your trip is booked. You need not submit the test result or proof of vaccination at the time you purchase this policy but you must furnish it to us at the time you submit the claim.

This policy covers leisure trips overseas journey during the period of insurance.

Cover for a leisure trip starts when you leave Singapore, or your home country and ends:

  1. 90 consecutive days from the start of your leisure trip; or 
  2. when you arrive at your Singapore residence; or
  3. when you arrive at the international or domestic airport / port of your home country; or
  4. on the expiry of the period of insurance.

whichever is earlier.

Travel to Afghanistan, Iraq, Liberia, Sudan and Syria, as well as against travel advisories are not covered. Please refer to the policy wordings for full terms and conditions.

Medical expenses may be covered under this policy as follows:

 Outpatient treatment due to injuryOutpatient treatment due to sicknessHospitalisation due to injury/ sickness
While in SingaporeYesNoYes
While overseas on a leisure tripYesYes (for Deluxe plan only)Yes

An excess of $50 per visit for outpatient treatment due to sickness applies. Please refer to the policy wordings for full terms and conditions.

The policy includes the following additional benefits for your leisure trips:

  • Cancelling your trip
  • Shortening your trip
  • Travel delay
  • Loss or damage of checked-in baggage with a public transport provider
  • Losing money and credit card
  • Losing travel documents
  • Personal liability
  • Overseas legal expenses and assistance
  • Kidnap and hostage
  • Emergency phone charges
  • Rental vehicle excess

Please refer to the policy wordings for full terms and conditions.

The policy covers leisure activities that are accessible to the general public/tourists such as bungee jumping, scuba diving (subject to certain conditions), motorcycling (including pillion riding), horse riding, winter sports, water rafting are covered.

However, dangerous sports and activities (e.g. hunting, cave diving, ice climbing etc.) are not covered. You may contact us at s[email protected] if you wish to check if the activity you are taking part in is covered.

Accidental Medical Expenses claim is on reimbursement basis. We will not reimburse any expense you can recover from specific medical insurance covering the same loss or expense.

Claims must be filed within 30 days of the insured incident. 

Download the StudySafe claim form, complete the form and send a soft copy along with all the supporting documents (indicated in the form) to: [email protected].

Income may contact you for any additional documents or information required to assess your claim. It usually takes 10 working days to process your claims after all required documents are received. 

If you have any questions about your claim, you can contact Income at [email protected] or at 6788 6616 during business hours (8.30am - 6.30pm Monday to Friday, closed on weekends and public holidays).

 Your claims must be made within 30 days of the insured incident.

Get in touch today.

We're more than happy to help.

Get a Quote

Call us on (+65) 6258 1919 or drop us a quick message and we'll get back to you asap

Visit us at: 79 Robinson Road, CapitaSky, #13-01 Singapore 068897

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