CIMB·SGD 0/year·Visa Signature·Sompo Insurance Singapore
Our Verdict · Travel Insurance
Scenario first: you are admitted to a hospital in Bangkok and expect the card's complimentary cover to help, but this Sompo policy pays nothing towards the bill. The CIMB Visa Signature travel insurance is really a personal-accident policy with a few small extras: S$300 for a 6-hour flight delay, S$300 for a 6-hour baggage delay, S$500 for lost baggage and S$300 of trip cancellation. There is no overseas medical cover and no emergency evacuation, so an overseas hospital admission is entirely on you, and MediShield Life does not pay for treatment outside Singapore. The S$500,000 headline sounds large, but it only pays for death or permanent disablement from an accident on a common carrier, meaning a scheduled flight, ferry, train or bus you paid to ride. Even the small cash benefits go to the cardholder alone, and the policy excludes COVID-19 along with any epidemic or pandemic. As a free add-on that costs nothing extra, it is a minor bonus. As your only protection abroad it leaves the expensive risks uncovered, and a standalone Singapore travel policy from about S$20 a trip fills the medical, evacuation and cancellation gaps this card leaves open.
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
Personal accident (a lump sum for accidental death or permanent disablement) pays up to S$500,000 for the cardholder or spouse and S$25,000 for a dependent child. 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. The full trip fare must be charged to the CIMB Visa Signature before the trip.
Recommended : SGD 1,000,000
No overseas emergency medical cover. This benefit is not included with this card. All medical costs overseas are the cardholder's responsibility. MediShield Life does not cover you outside Singapore, and a serious hospital admission in the US or Europe can run S$100,000 or more.
No emergency evacuation cover. This benefit is not included with this card. Emergency evacuation costs are entirely the cardholder's responsibility. An air ambulance from Bali or Bangkok back to Singapore runs S$50,000 to S$120,000.
No overseas emergency dental cover. This benefit is not included with this card. Emergency dental treatment overseas is out of pocket.
No hospital cash allowance. This benefit is not included with this card. There is no daily cash payment while you are hospitalised overseas.
Cancel a trip after a sudden illness or a death in the family and this benefit reimburses prepaid travel or accommodation you cannot recover, but only up to S$300 and only for the cardholder. The cap is so low it barely covers one forfeited hotel night, let alone a flight. Covered reasons include serious injury, sickness, quarantine or death of you, a relative or travel companion, strike or riot at the destination, serious damage to your home, and jury service.
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.
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.
If your scheduled flight is delayed 6 consecutive hours or more by strike, bad weather, mechanical breakdown or a structural fault, the card pays a flat benefit of up to S$300, and only to the cardholder. There is no top-up for longer delays: it is a single S$300, not a per-hour payment. Keep the airline's written confirmation of how long the flight was delayed and why.
Recommended : SGD 1,000
No missed connection cover. This benefit is not included with this card. The cost of alternative transport after a missed connection is out of pocket.
If a natural disaster or an event outside your control causes you to lose personal baggage overseas, the card reimburses up to S$500, cardholder only. Sub-limits bite hard: no more than S$200 for any one item, pair or set, and a single laptop is capped at S$500. Ordinary theft or mysterious disappearance is not covered, and you must report the loss to police or the hotel or airline within 24 hours.
When the airline delays, misdirects or temporarily misplaces your checked baggage for at least 6 consecutive hours after you land overseas, the card pays up to S$300 for the cardholder to tide you over. For the same event you can claim baggage delay or baggage loss, not both. Keep the airline's written confirmation of how long the bag was delayed.
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.
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.
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
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Side-by-side comparison
Same 5 coverage dimensions, ranked head-to-head against the cards most Visa Signature shoppers also consider.
| Card | This card Visa Signature CIMB · SGD 0/yr 0.8/5? | Revolution HSBC · SGD 0/yr 1.5/5? | ULTIMA Citibank · SGD 4,199/yr 2.9/5? | |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | S$300 Trip cancellation | S$2,000 per person Capped S$2,000 | S$10,125 per person Up to S$10,125 | |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | Not covered | S$675,000 S$675,000 overseas medical | |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | S$1,000,000 Up to S$1,000,000 | S$675,000 S$675,000 evacuation | |
Trip delay trigger Hours before benefits kick in | 6h / S$300 Flight delay 6h | 8h / S$500 Trigger: 8 hours | 4h / S$675 Trigger: 4 hours | |
Trip interruption Covered amount | Not covered Cover this gap → | Not covered | Not covered |
Data verified against each card's Guide to Benefits, May 2026.
Cardholder experience with the card 3 reviews
Lee Wei Lun (Seedly)
Perpetual fee waiver, worth keeping
One of the few cards that has perpetual fee waiver. Definitely a card to keep solely because of the reason.
Md Khai (Seedly)
No annual fee and good dining rebates
This credit card attracts me firstly as it does not charge annual fee. Online application process was seamless and the credit card was posted to me a couple of days later. Certainly, this card is great to have to pay for dining expenses as it gives out rebates.
Stella (Seedly)
Useful but cashback keeps shrinking
I holding this card for so many years, it's useful but cash back getting lesser and lesser. Hope the bank can consider to increase cash back
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 Signature travel insurance claim
Step 1: Notify Sompo within 14 days of the accident
Tell Sompo Insurance Singapore as soon as possible and no later than 14 days after the accident. Call +65 6461 6555 or email emailus@sompo.com.sg. There is no overseas emergency line to call, because the policy carries no medical or evacuation assistance.
Step 2: Complete the claim form and gather originals
Submit the completed claim form within 15 days of notifying Sompo, with original itemised bills, medical certificates or reports, and a police, hotel or airline report where relevant. Photocopies are not accepted, so keep every original document.
Step 3: Prove the fare was charged, and escalate to FIDReC if needed
Include the card statement showing the full trip fare was charged to the CIMB Visa Signature, which the insurer checks before paying. 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.
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