If you are killed or permanently disabled in an accident on a common carrier, meaning a scheduled flight, ferry, train or bus you paid to ride, personal accident (a lump sum for accidental death or permanent disablement) pays up to S$1,000,000 for the cardholder, S$500,000 for a spouse and S$100,000 for a dependent child. It pays only when the accident happens while you are boarding, alighting or travelling as a fare-paying passenger. The full trip fare must be charged to the CIMB Visa Infinite before you travel.
What does the CIMB Visa Infinite travel insurance actually cover?
CIMB·$0/year·Visa Infinite·Sompo Insurance Singapore
2,0/5Independent review · verified October 2026
2,4
0,0
Our Verdict · Travel Insurance
Our take on travel insurance for the CIMB Visa Infinite
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Scenario first: you are admitted to a hospital in Bangkok, and unlike most free cards, the CIMB Visa Infinite travel insurance actually helps with the bill. It is one of the few no-fee cards with genuine complimentary cover, pairing a S$1,000,000 personal-accident sum with real overseas medical up to S$25,000, emergency evacuation up to S$100,000, and small cash amounts for flight delay, baggage and trip cancellation. Personal accident is a lump sum for accidental death or permanent disablement, and here it pays only for an accident on a common carrier, meaning a scheduled flight, ferry, train or bus you paid to ride. The clear gap is the modest S$25,000 medical cap, which a serious admission in the United States or Europe can exceed several times over, since MediShield Life does not pay for overseas leisure treatment. The policy also excludes COVID-19 and any pandemic, for both medical treatment and cancellation. Cover is underwritten by Sompo Insurance Singapore and switches on automatically once you charge the full trip fare to the card. Still strong for a free card, it is best paired with a standalone travel policy that carries higher medical limits.
What works on travel
- Real overseas medical cover up to S$25,000, rare on a no-fee card and absent from the cheaper CIMB Visa Signature
- Emergency medical evacuation and repatriation up to S$100,000, enough for most air-ambulance cases in the region
- S$1,000,000 personal accident sum for the cardholder, with S$500,000 for a spouse and S$100,000 for a child
- No annual fee and free for life, so the cover costs nothing to hold, and it activates automatically when the fare is charged
Where travel breaks down
- The S$25,000 overseas medical cap is modest, and a serious US or Europe admission can exceed it several times over
- COVID-19 and any epidemic or pandemic are excluded, for both medical treatment and trip cancellation
- Delay, baggage and cancellation caps are small, running from S$200 to S$1,000
- Pre-existing conditions and pregnancy are excluded, as with most Singapore card cover
Our methodology
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 14 guarantees
What does CIMB Visa Infinite Travel Insurance actually cover?
The S$1,000,000 headline is a common-carrier accident sum, not a medical limit. It pays only for death or disablement from an accident on a scheduled public conveyance.
What's covered
- Accidental death or permanent disablement on a common carrier
- Cardholder up to S$1,000,000, spouse S$500,000, child S$100,000
- Loss of limbs, sight, speech or hearing pays a set percentage of the sum
What's not covered
- War and terrorism (capped) and nuclear or radiation events
- Suicide, self-inflicted injury and criminal acts
- Pre-existing conditions, pregnancy, drugs and alcohol
The S$25,000 cap is modest. A major hospital admission in the US or Europe can exceed it several times over, so pair the card with a standalone policy for higher medical limits.
Fall ill or get injured abroad and need a hospital, and this benefit reimburses your overseas medical expenses up to S$25,000, the same limit for the cardholder, spouse and each child. This is real treatment cover, which the cheaper CIMB Visa Signature does not carry, and it matters because MediShield Life and Integrated Shield Plans do not pay for overseas leisure treatment. The cap is modest though, and a serious admission in the United States or Europe can run past S$100,000, well beyond this limit.
Recommended : $1,000,000
What's covered
- Overseas hospital, surgical, ambulance and prescribed treatment up to S$25,000
- Limited follow-up treatment in Singapore after you return, within set time limits
- Same S$25,000 limit for cardholder, spouse and each child
What's not covered
- COVID-19 and any epidemic or pandemic
- Pre-existing conditions, pregnancy and congenital conditions
- High-risk activities, drugs, alcohol and self-inflicted injury
Evacuation must be arranged by the insurer's appointed assistance company, and it pays on a reimbursement basis, so keep every receipt.
If a serious injury or illness abroad means you must be moved to the nearest suitable hospital or flown back to Singapore, this benefit pays the cost of emergency medical evacuation and repatriation up to S$100,000. It also covers returning your body or ashes home if the worst happens. This is the benefit that pays for an air ambulance, which from Bali or Bangkok back to Singapore commonly runs S$50,000 to S$120,000, so the S$100,000 limit covers most regional cases.
Recommended : $250,000
What's covered
- Emergency medical evacuation to the nearest suitable hospital
- Repatriation back to Singapore when medically necessary
- Return of body or ashes to Singapore, up to S$100,000
What's not covered
- COVID-19 and any epidemic or pandemic
- Services not approved or arranged by the assistance company
- Costs that form part of the trip itself
No overseas emergency dental cover. This benefit is not included with this card. Emergency dental treatment overseas is out of pocket.
What's not covered
- Overseas emergency dental is not a benefit of this card
No hospital cash allowance. This benefit is not included with this card. There is no daily cash payment while you are hospitalised overseas.
What's not covered
- Overseas hospital daily cash is not a benefit of this card
At S$1,000 this covers only a slice of most trips. Prepaid flights and hotels for two often run several times that.
Cancel a trip after a sudden illness or a death in the family and this benefit reimburses prepaid travel or accommodation you cannot recover, up to S$1,000 for the cardholder or spouse and S$500 for a child. Covered reasons include serious injury, illness, quarantine or death of you, a relative or travel companion, strike or riot at the destination, serious damage to your home, and jury service. The cap is low, so a cancelled trip of any size usually loses far more than S$1,000.
What's covered
- Serious injury, illness, quarantine or death of the cardholder, a relative or travel companion
- Unexpected strike, riot or civil commotion at the destination
- Serious damage to your home, or witness summons or jury service
What's not covered
- COVID-19 and any epidemic or pandemic
- Cancellation by the common carrier
- Loss refunded by a hotel, airline or travel agent, or covered by another policy
No trip curtailment cover. This benefit is not included with this card. The cost to fly home early after a family emergency and resume a trip is out of pocket.
What's not covered
- Trip curtailment is not a benefit of this card
No travel disruption cover. This benefit is not included with this card. Extra accommodation and transport from a trip disruption are the cardholder's responsibility.
What's not covered
- Travel disruption is not a benefit of this card
The payout builds slowly at S$100 per 6 hours, so a short delay returns little and the S$500 cap needs a very long delay.
If your scheduled flight is delayed 6 consecutive hours or more by strike, bad weather, mechanical breakdown or a structural fault, the card pays S$100 for every full 6 hours of delay, up to S$500, and only to the cardholder or spouse. A 6-hour delay pays S$100, and you reach the S$500 cap only after a 30-hour delay. Keep the airline's written confirmation of how long the flight was delayed and why.
Recommended : $1,000
What's covered
- S$100 for every complete 6 consecutive hours of delay, up to S$500
- Delay caused by strike, adverse weather, mechanical breakdown or structural defect
What's not covered
- Strike or industrial action known before the trip was booked
- Onward connecting flights not caused by a covered event
- Failure to check in on time
At S$200 this is a token amount against the real cost of a missed connection abroad.
Miss a confirmed onward connection because your incoming flight arrived late and no replacement service leaves for at least 6 hours, and this benefit reimburses reasonable extra accommodation, meals or transport up to S$200, for the cardholder or spouse only. The cap is small, so it offsets a little of the cost of a long layover rather than covering it in full. Get written confirmation of the delay from the carrier to claim.
Recommended : $3,500
What's covered
- Extra accommodation, meals or transport after a missed connection
- Triggered when no onward carrier is available for at least 6 hours
- Up to S$200 for the cardholder or spouse
What's not covered
- Failure to check in per the travel itinerary
- Costs refunded by a hotel, airline or travel agent
- Amounts covered by another policy or scheme
For the same event you can claim baggage loss or baggage delay, not both.
If a natural disaster or an event beyond your control causes you to lose personal baggage overseas, the card reimburses up to S$1,000, for the cardholder or spouse but not a dependent child. Sub-limits apply: a single laptop is capped at S$500, and ordinary theft or mysterious disappearance is not covered. You must report the loss to police or the hotel or airline within 24 hours and submit their written report with the claim.
What's covered
- Baggage lost overseas from a natural disaster or circumstances beyond your control
- Up to S$1,000 in total, one laptop up to S$500
- Covers the cardholder or spouse, not a dependent child
What's not covered
- Ordinary theft, mysterious disappearance or misplacement
- Cash, jewellery, watches, phones, tablets and travel documents
- Baggage left unattended in a public place
When the airline delays, misdirects or temporarily misplaces your checked baggage for at least 6 consecutive hours after you land overseas, the card pays S$100 for every full 6 hours, up to S$600, for the cardholder or spouse. It gives you cash to buy essentials while you wait. For the same event you can claim baggage delay or baggage loss, not both, and a dependent child cannot claim this benefit.
What's covered
- S$100 for every complete 6 consecutive hours of delay, up to S$600
- Checked baggage delayed after arrival overseas
- Covers the cardholder or spouse, not a dependent child
What's not covered
- Delays on your return to Singapore at the end of the trip
- Baggage delay where a baggage loss claim is made for the same event
- Dependent child is not covered
No travel documents cover. This benefit is not included with this card. The cost to replace a lost passport or reclaim fraudulent card use overseas is out of pocket.
What's not covered
- Loss of travel documents is not a benefit of this card
No personal liability cover. This benefit is not included with this card. Legal liability for injury to others or property damage overseas is uninsured, and claims commonly reach hundreds of thousands of dollars.
What's not covered
- Personal liability overseas is not a benefit of this card
Policy document
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the CIMB Visa Infinite wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Accidental death: above the market average
Medical fees abroad: not covered by this card
Overseas emergency dental: not covered by this card
Hospital cash allowance: not covered by this card
Compare
Visa InfiniteThis card2.0/5?
$0/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$210 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the CIMB Visa Infinite stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Visa Infinite shoppers also consider.
| Card | This card Visa Infinite CIMB · $0/yr 2.0/5? | Premium Revolut · $132/yr 1.6/5? | Centurion American Express · $7,500/yr 4.2/5? | |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | S$1,000 Trip cancellation | Not covered | S$20,000 S$20,000 prepaid costs | |
Emergency medical Hospital bills abroad | S$25,000 Overseas medical | S$200,000 S$200,000 medical | Chubb arranges and pays No stated medical sub-limit | |
Emergency evacuation Air ambulance + repatriation | S$100,000 Evacuation & repatriation | Actual cost Up to actual cost | Arranged and paid by Chubb Evacuation + repatriation | |
Trip delay trigger Hours before benefits kick in | 6h / S$500 Flight delay 6h | Not covered | 4h / up to S$900 Trigger: 4 hours | |
Trip interruption Covered amount | Not covered Cover this gap → | Not covered | S$300/person S$300 per person |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the CIMB Visa Infinite
Cardholder experience with the card 3 reviews
LL
Louise Long (Seedly)
Useful for cashback and travel
This card is useful for cashback and travels. If we could also have a choice of miles as well then this card can be the main card for use
J(
Johnny (Seedly)
Kept it for the lounge and no annual fee
I applied only coz of the free airport lounge visit & no annual fee. Other benefits doesn't seem attractive compared to other cards.
RP
Randolph Phoon (Seedly)
Stagnated against newer cashback cards
This used to be my primary card when cashback cards were not so common. Instead of meeting the competition, this card has actually stagnated with its outdated 1% rebate and out of sync with its incredulous $2k minimum spend.
Emergency · Card assistance line
How to contact CIMB Visa Infinite assistance?
Who to contact while travelling, and how to claim on the complimentary Sompo Insurance Singapore cover.
Sompo claims (Singapore)
+65 6461 6555
Monday to Friday, 9am to 5pm
Benefit administrator: Sompo Insurance Singapore for CIMB
Claims & pre-authorizations
How to make a CIMB Visa Infinite travel insurance claim
1
Step 1: Notify Sompo Insurance Singapore as soon as possible
Start your claim with Sompo Insurance Singapore within the notice period in the certificate, commonly 30 days of the incident. Only expenses charged to the CIMB Visa Infinite can be reimbursed where the benefit requires the fare to be charged to the card.
2
Step 2: Gather the proof Sompo Insurance Singapore needs
Keep the card statement showing the fare was charged, your boarding passes, and for a medical claim the doctor's report and receipts. For delayed or lost baggage, get a Property Irregularity Report from the airline before leaving the airport; for theft, file a police report within 24 hours.
3
Step 3: Escalate to FIDReC if a fair claim is denied
If Sompo Insurance Singapore rejects a claim you believe is valid, escalate free of charge to FIDReC, the Financial Industry Disputes Resolution Centre, within 6 months of the insurer's final reply. FIDReC independently mediates disputes between consumers and financial institutions in Singapore.
FAQ
What people ask about the CIMB Visa Infinite
- Yes. Unlike most no-fee cards, the CIMB Visa Infinite includes real overseas medical cover, reimbursing hospital and treatment costs abroad up to S$25,000, the same limit for the cardholder, spouse and each child. This matters because MediShield Life and Integrated Shield Plans do not pay for overseas leisure treatment, so without a benefit like this the whole bill would be yours. The S$25,000 cap is modest though. A serious admission in the United States or Europe can run past S$100,000, several times this limit, so the card handles a minor overseas illness or injury but not a major one. For higher medical limits, pair it with a standalone travel policy.
- Yes. The policy pays for emergency medical evacuation and repatriation up to S$100,000 when a serious injury or illness abroad means you must be moved to the nearest suitable hospital or flown home to Singapore. It also covers returning your body or ashes to Singapore. This is the benefit that pays for an air ambulance, which from Bali or Bangkok back to Singapore commonly costs S$50,000 to S$120,000, so the S$100,000 limit covers most regional cases. The evacuation must be approved and arranged by the insurer's appointed assistance company, and the benefit pays on a reimbursement basis, so keep every receipt and document.
- The cover switches on when you charge the full trip fare, meaning the round-trip air ticket and travel expenses, to the CIMB Visa Infinite before you travel. There is no fixed dollar spend and no separate registration form to submit. Holding the card is not enough on its own, and the policy is clear that if any part of the fare is paid by cash, cheque or another card, the cover does not apply. You also need at least one transaction charged to the card in the year before the trip, and the card must be valid and in good standing. Keep the card statement showing the fare was charged, since the insurer checks it at claim time.
- No. The policy carries a clear exclusion for Coronavirus, COVID-19 and any of its variants, and for any epidemic or pandemic declared by the World Health Organization or a government authority. So if a COVID-19 infection disrupts your trip, the card pays nothing, whether that is a cancelled trip or a hospital stay abroad. It is worth stressing because handling differs from card to card: some Singapore cards cover COVID-19 medical treatment, while several exclude it entirely as this one does. If COVID-19 cover matters to you, buy a standalone travel policy that names it, since the card gives you none for either medical treatment or cancellation.
- The CIMB Visa Infinite provides personal accident cover, a lump sum for accidental death or permanent disablement, of up to S$1,000,000 for the cardholder, S$500,000 for the spouse and S$100,000 for a dependent child. This is the accident sum, not a general medical limit, and it pays only when the accident happens while you are boarding, alighting or travelling as a fare-paying passenger on a common carrier, meaning a scheduled flight, ferry, train or bus. A fall in your hotel or a crash on a self-drive holiday would not qualify. Death or the certified disablement must occur within 180 days of the accident, and permanent disablement pays a set percentage of the sum based on the injury.
- Yes, but only up to S$1,000 for the cardholder or spouse and S$500 for a child. If you cancel a trip because of a serious injury, illness, quarantine or death of you, a relative or travel companion, or because of a strike or riot at the destination, serious damage to your home, or jury service, the card reimburses prepaid travel or accommodation you cannot recover from anyone else. The event generally has to happen within 30 days before departure. The S$1,000 cap is low against real trip costs, and COVID-19 and any pandemic are excluded, so a positive test that forces you to cancel would not be covered by this benefit.
- Claims are handled by Sompo Insurance Singapore, the underwriter, not by CIMB. Notify Sompo as soon as possible and no later than 14 days after the accident, then submit a completed claim form within 15 days of that notice. You will need original documents: itemised bills, medical certificates or reports, a police or carrier report where relevant, and the card statement proving the full fare was charged to the card. Photocopies are not accepted, so keep originals. For an emergency evacuation, the insurer's appointed assistance company must arrange it. If Sompo declines a claim you believe is fair, you can escalate free of charge to FIDReC, the Financial Industry Disputes Resolution Centre, an independent body that reviews disputes between consumers and insurers.
- Each round trip is covered for up to 90 days. The policy defines a trip as beginning three hours before you leave Singapore and ending on your return home, on arrival back in Singapore, or after 90 consecutive days, whichever comes first. If your journey runs longer than 90 days, the days beyond that are not covered, even if the trip started while the policy was in force. There is no way to extend a single trip past the 90-day cap under this card. For a long stay abroad, a working holiday or a multi-month trip, an annual or long-stay standalone travel policy is the safer choice, since the card's cover simply stops at day 90.
- Yes, with small caps. Baggage lost overseas from a natural disaster or an event beyond your control is reimbursed up to S$1,000 for the cardholder or spouse, with a single laptop capped at S$500 and a dependent child not covered. Baggage delay pays S$100 for every full 6 consecutive hours your checked bag is delayed after you arrive overseas, up to S$600. For the same event you can claim baggage loss or baggage delay, not both. Ordinary theft, mysterious disappearance, cash, jewellery, watches and phones are excluded, and you must report a loss to police or the hotel or airline within 24 hours to claim.
- For many trips, yes. The CIMB Visa Infinite is stronger than most free cards because it carries real overseas medical up to S$25,000 and evacuation up to S$100,000, so it is genuine cover rather than an accident-only policy. The gap is the medical cap: a serious hospital admission in the United States or Europe can cost more than S$100,000, well beyond the S$25,000 limit, and the policy excludes COVID-19 and pre-existing conditions. A standalone Singapore travel policy adds higher medical limits and COVID-19 cover from around S$20 for one trip. Treat the card as a strong free base, and top it up with a standalone policy when you want higher medical protection.
Not just CIMB
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