Direct Asia's plans benefits and competitively priced plans can entice both the budget and value seeking traveller, in addition to offering some notable perks not often seen in travel insurance. However, depending on which kind of plan you're looking for, DirectAsia may give you a varying amount of bang for your buck, which means you may have to pay more to get a better value plan. Below, we break down each of DirectAsia's travel insurance plans so that you can make the right call when planning your next trip out of Singapore.
Summary of DirectAsia Travel Insurance
|Travel 150||Travel 200||Travel 500||Travel 1000|
|Child limits are the same as adults|
|Covers trip cancellations due to haze and reluctance to travel following terrorist attack|
|One of the cheapest options but has lackluster coverage||Cheap annual/multi-trip policies||Combines great value and cheap prices for affordable premium plans|
|Annual policies are not available||Only available for Annual Plans|
Table of Contents
- DirectAsia Travel Insurance: What You Need to Know
- Claims Information
- DirectAsia Travel Insurance Details
DirectAsia Travel Insurance: What You Need to Know
DirectAsia offers three travel insurance plans for Singaporeans looking to travel: the Travel 150, 200, 500 and annual-only 1000 plan, with the 500 and 1000 Plans being the clear standouts due to their price and coverage. While they don't provide the highest value possible, Direct Asia's plans do offer some notable perks that can entice families and adventurous travellers. These include providing the same medical and accident coverage limits for children as for adults, extreme sports and sports equipment coverage, coverage for your domestic worker and trip cancellation benefits due to haze or reluctance to travel following a terrorist attack. DirectAsia's focus on trip inconvenience coverage and comepetitive pricing are the hallmark of this insurer's travel insurance policies.
Direct Asia has the standard exclusions that most other insurers have, minus the extreme sports (with a few exceptions) for those buying their additional coverage. Below, you will find an abridged list of some of the main exclusions, but you should always read the policy documents to make sure you know what you are—and aren't—covered for.
|Medical Exclusions||Trip Inconvenience Exclusions|
|Pre-existing conditions||Participation in professional or compensated sports|
|Mental disorders||Items taken by customs officials|
|Unnecessary dental expenses||Travelling against advice of regulatory authorities|
|Pregnancy-related events unless mother is at risk||Travelling to a country at war|
|Travelling when medically unfit||Claims paid for by other insurers|
|Travelling to countries with pandemics or epidemics|
DirectAsia Travel 150 and Travel 200 Plan
The DirectAsia Travel 150 and 200 Plan's most notable feature is their market-beating coverage for trip delays (S$3,000 and S$6,000), which more than double the average amount of trip delay coverage provided by other insurers' budget and mid-tier travel insurance plans. Other than that, however, DirectAsia's cheapest and mid-priced plans fail to make a resounding impression. Apart from their great coverage for trip delays, they generally provide below-average coverage in many other important areas like personal accident/death, medical expenses, trip cancellations, and baggage loss/damage. However, they tend to be on the pricier end given the amount of protection these two plans offer compared to their competitors.
The Travel 150 Plan, which is DirectAsia's budget travel insurance plan, lacks an annual/multi-trip policy, making it a less economical choice for individuals who travel out of Singapore more than 3 to 5 times a year. Moreover, it tends to be priced at the same level as higher value plans, making it difficult to find a compelling reason to choose DirectAsia's Travel 150 Plan over other options on the market like the Allianz Global Assistance Bronze Plan that offer considerably better medical and trip inconvenience benefits.
|DirectAsia 150||Basic Plan Average|
|1-Week ASEAN Value Ratio||0.46||0.62|
|1-Week Asia Value Ratio||0.48||0.67|
|1-Week Global Value Ratio||0.44||0.65|
|Total Medical & Personal Accident||S$255,000||S$416,923|
|Trip Inconvenience (Baggage delay, cancellations, postponement)||S$6,000||S$10,904|
The Travel 200 Plan is more competitively priced than its sibling, the Travel 150 Plan, as it tends to be the cheapest single and annual trip option for mid-tier plans. However, it is consistently given a run for its money in terms of value for single trip policies by FWD Business Plan, which tends to offer generally better overall coverage for similar prices. Even though it is the cheapest among annual policies, it is outclassed by the similarly-priced Allianz Global Assistance Silver plan, a very high-value plan that gives you among the most bang for your buck in the entire business tier of travel insurance policies.
|Travel 200||Mid-Tier Industry Average|
|1-Week ASEAN Value Ratio||0.95||0.88|
|1-Week Asia Value Ratio||0.99||0.89|
|1-Week Global Value Ratio||0.94||0.91|
|Total Medical/Personal Accident||S$510,000||S$874,688|
|Trip Inconvenience (Baggage delay, cancellations, postponement)||S$15,000||S$17,719|
DirectAsia Travel 500 Plan
The DirectAsia Travel 500 plan is a particularly good choice for travellers seeking annual/multi-trip policies that are affordable while packing a punch. It is one of the cheapest premium plans for this kind of policy, regardless of destination, and has one of the highest-value premium plans on the market for annual trips. It offers S$15,000 of trip cancellation and curtailment, a combined S$525,000 for international and domestic medical expenses and a few extra benefits including pet hotel cover, rental car excess and sports equipment coverage. However, though the benefits are plenty, its high value comes from its low price rather than high limits on benefits. This means travellers who are seeking to maximise better coverage may fare better with other insurers.
One alternative you may want to consider when making your decision is the FWD First Plan, which is a good value option that is similarly priced to the DirectAsia Travel 500 Plan and puts a greater emphasis on coverage for medical expenses and baggage loss/damage as well as unlimited coverage in case of emergencies. For a slightly higher price, you may also consider the AXA Comprehensive Plan or the Allianz Global Assistance Gold Plan for even better coverage at a great value.
|Travel 500||Top-Tier Industry Average|
|1-Week ASEAN Value Ratio||1.04||1.09|
|1-Week Asia Value Ratio||0.92||1.12|
|1-Week Global Value Ratio||1.13||1.17|
|Total Medical/Personal Accident||S$1,025,000||S$1,571,875|
|Trip Inconvenience (Baggage delay, cancellations, postponement)||S$22,500||S$25,779|
DirectAsia Travel 1000 Plan
Direct Asia's Travel 1000 Plan is its annual-only option that can benefit frequent travellers looking for a high-value trip inconvenience focused policy. Its premiums cost 30-40% below its peer average, yet it has 35% more trip inconvenience coverage than other premium plans on the market. Additionally, it can appeal to solo and family adventure enthusiasts with its S$5,000 and S$12,500 sports equipment coverage (highest on the market) and S$1,500 car rental excess coverage. You will also find above average medical coverage of S$1,050,000.
One potential setback for DirectAsia's 1000 plan is that though its medical coverage is not paltry by any means, it is not necessarily outstanding compared to other players in the market. Those who are willing to pay for high medical and personal accident benefits may fare better with insurers such as Aviva or Allianz.
|Travel 1000||Top-Tier Industry Average|
|Annual ASEAN Value Ratio||1.67||0.99|
|Annual Asia Value Ratio||1.77||1.04|
|Annual Global Value Ratio||1.93||1|
|Total Medical/Personal Accident||S$1,550,000||S$1,571,875|
|Trip Inconvenience (Baggage delay, cancellations, postponement)||S$35,500||S$25,779|
DirectAsia offers extreme sports coverage only for its annual plans and will raise your premiums by around S$65-S$100, depending on destination and plan selected. However, most of the accepted activities must be done with a professional guide, including trekking, scuba diving, rafting/kayaking, parachuting/skydiving, rock climbing, hang gliding and hot air ballooning. There are a variety of sports that are included even if you don't purchase the annual policy add-on including golfing, hiking, cycling, fishing, water polo and swimming. You can also purchase S$5,000 of sports equipment coverage for an additional S$50.14.
To submit a claim with DirectAsia, you have to call them at their claims number and have ready your flight itinerary and any other supporting documents you'll need. You will be assigned a claims representative who will help you process everything. Alternatively, you can also Email or mail them your claim form and documents.
|Customer Service||(65) 6532 2888|
|24-Hour Emergency Assistance||(65) 6603 3699|
|Claims Contact (in Singapore)||(65) 6532 1818|
|Address||88 South Bridge Road, Singapore 0058716|
DirectAsia Travel Insurance Details
Getting the right coverage for your activities can mean saving a lot of money in the event of an unfortunate accident. Below, we outline DirectAsia's coverage and premiums, as well as how they compare to the industry average. If you would like to compare Direct Asia in more detail to other plans in the market, we've written a guide to some of our top travel insurance picks in Singapore.
|1 Week ASEAN Value Ratio||0.46||0.95||1.15||N/A||0.86|
|Annual Global Ratio||N/A||0.96||1.4||1.93||0.87|
|Coverage Benefits||150||200||500||1000||Industry Average|
|Personal Accident & Death||S$100,000||S$300,000||S$500,000||S$500,000||S$828,790|
|Baggage Loss Damage||S$1,000||S$3,000||S$5,000||S$7,500||S$5,923|