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 the 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 on a common carrier, meaning a scheduled flight, ferry, train or bus. The full trip fare must be charged to the CIMB World Mastercard before the trip.
What does the CIMB World Mastercard's travel insurance actually cover?
CIMB·$0/year·World Mastercard·Sompo Insurance Singapore
0,8/5Independent review · verified October 2026
1,0
0,0
Our Verdict · Travel Insurance
Our take on travel insurance for the CIMB World Mastercard
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
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 World Mastercard travel insurance is accident-led, pairing a high S$1,000,000 personal-accident sum with only small baggage and flight-delay cash. There is no overseas medical cover and no emergency evacuation, so an overseas hospital admission is entirely on you, and MediShield Life, Singapore's basic national health insurance, does not pay for treatment outside Singapore. The S$1,000,000 headline is a personal-accident figure, a lump sum for death or permanent disablement from an accident on a common carrier, meaning a scheduled flight, ferry, train or bus, not a medical limit you can claim hospital bills against. The few cash benefits, S$300 each for flight delay, baggage delay, baggage loss and a missed connection, are minor, and the policy excludes COVID-19 along with any epidemic or pandemic. As a free extra on a no-fee card it is a small 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.
What works on travel
- S$0 annual fee, free for life, so the cover costs nothing to hold
- S$1,000,000 accidental death and permanent disablement for the cardholder on a common carrier, with S$500,000 for a spouse and S$100,000 for a child
- Cover activates automatically once the full trip fare is charged, with no separate registration form
Where travel breaks down
- No overseas medical cover at all, so a hospital bill abroad is entirely yours
- No emergency evacuation or repatriation, which can cost S$50,000 to S$120,000 from the region
- Delay, baggage and missed-connection cash caps top out at S$300
- COVID-19 and any epidemic or pandemic are excluded
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 World Mastercard 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 on a common carrier up to S$1,000,000
- Permanent disablement, loss of limbs or loss of sight
- Cardholder S$1,000,000, spouse S$500,000, dependent child S$100,000
What's not covered
- War, terrorism (capped at S$500,000) and nuclear or radiation events
- Suicide, self-inflicted injury and criminal acts
- Pre-existing conditions, pregnancy, drugs and alcohol
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.
What's not covered
- Overseas medical treatment is not a benefit of this card
- Pre-existing conditions and pregnancy excluded
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.
What's not covered
- Emergency medical evacuation is not a benefit of this card
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
No trip cancellation. This benefit is not included with this card. Prepaid flights, hotels, and tours are not reimbursable if you cancel. A standalone travel insurance policy is required for this coverage.
What's not covered
- Trip cancellation is not a benefit of this card
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
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 complete 6 hours of delay, up to S$300, and only to the cardholder or spouse. 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$300
- 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
Miss a confirmed onward connection because your incoming scheduled transport arrived late, with no onward common carrier available for at least 6 consecutive hours, and the card reimburses accommodation, meals or extra travel up to S$300, cardholder or spouse only. Keep the carrier's written confirmation of the reason for the delay.
What's covered
- Accommodation, meals or travel to reach your original destination
- Up to S$300 when no onward transport is available for 6 hours or more
What's not covered
- Failure to check in per the itinerary
- Costs refunded by a hotel, airline, travel agent or another policy
Cover is capped at S$300 in total, so a lost suitcase of clothing usually returns only a fraction of its value.
If a natural disaster or an event outside your control causes you to lose personal baggage overseas, the card reimburses up to S$300 for the cardholder or spouse, with nothing for a dependent child. Sub-limits bite hard: no more than S$300 for any one item, pair or set, and a single laptop is also capped at S$300. Ordinary theft or mysterious disappearance is not covered, and you must report the loss to police or the hotel or airline within 24 hours.
What's covered
- Baggage lost overseas from a natural disaster or circumstances beyond your control
- Up to S$300 in total, S$300 per article, one laptop up to S$300
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 up to S$300 for the cardholder or spouse 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.
What's covered
- Checked baggage delayed 6 consecutive hours or more after arrival overseas
- Up to S$300 for the cardholder or spouse
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
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 World Mastercard 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
Medical repatriation: not covered by this card
Overseas emergency dental: not covered by this card
Compare
World MastercardThis card0.8/5?
$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 World Mastercard stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most World Mastercard shoppers also consider.
| Card | This card World Mastercard CIMB · $0/yr 0.8/5? | 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 | Not covered Cover this gap → | S$1,000 Trip cancellation | Not covered | S$20,000 S$20,000 prepaid costs |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | 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 | Not covered Cover this gap → | 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 | S$300 Flight delay | 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 | 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 World Mastercard
Cardholder experience with the card 3 reviews
DM
Dousa Moobee (Seedly)
My go-to card for everything
This is my go to card for all sorts of expenses. Not gimmicky like other banks.
J(
Joey (Seedly)
No minimum spend, unlimited cashback
Great credit card with no minimum spending and unlimited cashback of 1.5% to 2%.
Y(
yiyik (Seedly)
No annual fee, but slow to arrive
Good because no annual fee, but it took a while to receive the credit cards about more than 2 weeks
Emergency · Card assistance line
How to contact CIMB World Mastercard 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 World Mastercard 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 World Mastercard 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 World Mastercard
- No. This is the biggest gap in the CIMB World Mastercard cover. The Sompo policy is built around personal accident, a lump sum for death or permanent disablement, and it has no overseas medical expenses benefit and no emergency evacuation. If you fall ill or are injured abroad and need a hospital, the treatment bill is entirely yours. This matters because MediShield Life, Singapore's basic national health insurance, and Integrated Shield Plans do not pay for overseas leisure treatment, and a serious admission in the United States or Europe can run past S$100,000. The card cannot help with any of it. For real medical protection abroad you need a standalone travel insurance policy, which covers overseas hospital bills and evacuation from around S$20 for a single trip.
- Personal accident, a lump sum for accidental death or permanent disablement, pays up to S$1,000,000 for the cardholder, up to S$500,000 for the spouse and S$100,000 for a dependent child. This is an accident sum, not a general medical limit, and it only pays 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. Payouts on one public conveyance from a single accident are capped at S$10,000,000 across all covered cardholders.
- The complimentary cover switches on when you charge the full trip fare, meaning the round-trip air ticket and travel expenses, to the card 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 excludes any infectious disease announced or notified as an epidemic or pandemic by a Singapore health authority or the government, and any pandemic declared by the World Health Organization. So if a COVID-19 infection disrupts your trip, the card pays nothing on the travel-accident policy. Handling differs from card to card: some Singapore cards cover COVID-19 medical or evacuation, while several exclude it entirely as this one does. Since this card has no overseas medical or cancellation cover to begin with, a standalone travel policy that names COVID-19 is the way to get any protection for it.
- Two small benefits, both for the cardholder or spouse only and neither for a dependent child. Baggage loss pays up to S$300 in total if a natural disaster or an event beyond your control causes you to lose personal baggage overseas, with a S$300 limit on any one item, pair or set and a S$300 cap on a single laptop. Baggage delay pays up to S$300 if the airline delays your checked bags for at least 6 consecutive hours after you land overseas. For the same event you can claim one or the other, not both. Ordinary theft, mysterious disappearance, and items like cash, jewellery, watches, phones and travel documents are excluded, and a loss must be reported to police or the hotel or airline within 24 hours.
- 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. You can reach Sompo on +65 6461 6555 or emailus@sompo.com.sg. Photocopies are not accepted, so keep originals. If Sompo declines a claim and you believe it is unfair, you can escalate free of charge to FIDReC, the Financial Industry Disputes Resolution Centre, an independent body that reviews disputes between consumers and financial institutions.
- Quite a lot. Beyond the S$1,000,000 common-carrier accident sum and a handful of S$300 cash benefits, the CIMB World Mastercard has no overseas medical, no emergency evacuation, no trip cancellation, no trip curtailment, no travel-document cover and no personal liability. COVID-19 and any epidemic or pandemic are excluded, as are pre-existing conditions, pregnancy, war, terrorism beyond a capped S$500,000, and injuries from high-risk activities like scuba diving, mountaineering or skydiving. The cover applies overseas only, and only if the full fare was charged to the card. Baggage claims exclude cash, jewellery, watches, phones, tablets and travel documents. Read the exclusions in the policy before you rely on the card abroad.
- 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, within three hours of 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.
- Almost certainly, yes. The CIMB World Mastercard cover is an accident-led policy, not full travel insurance. It pays a S$1,000,000 sum for death or disablement on a common carrier and small S$300 cash amounts for delays, lost baggage and a missed connection, but nothing for general overseas medical treatment, emergency evacuation or a cancelled trip. A single hospital admission abroad, which MediShield Life does not cover, can cost more than S$100,000. A standalone Singapore travel policy fills those gaps from around S$20 for one trip and usually covers COVID-19 medical and cancellation too. Treat this card's cover as a small free top-up, not a replacement for a proper travel insurance policy.
- No. The CIMB World Mastercard does not include mobile phone insurance, and it has no purchase protection or extended warranty either. If your phone screen cracks or the handset is lost or stolen, the repair or replacement is entirely on you, and a flagship screen repair alone runs about S$200 to S$600. The card's complimentary benefits are limited to the Sompo travel-accident policy, which covers accidental death or disablement on a common carrier plus small delay, baggage and missed-connection cash. For device cover you would need a separate gadget or mobile insurance policy, or a different card that specifically offers phone protection. Do not count on this card if protecting your phone is the priority.
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