Does the PAssion Card come with complimentary travel insurance?

No. The PAssion Card is a People's Association membership card combined with a POSB debit and stored-value card, and it carries no complimentary travel insurance at all. Charging your flights or hotels to it does not switch on any overseas medical, trip cancellation or baggage cover, because there is no policy attached to the card to activate. If you booked a trip assuming the card would protect you, you are travelling uninsured. To close that gap, buy a standalone Singapore travel policy before you depart. These start at around S$20 for a single trip and pay the hospital bills, cancellations and lost bags that the PAssion Card does not cover.

What travel protection does the PAssion Card offer?

None. The PAssion Card offers no travel insurance protection of any kind. There is no overseas emergency medical benefit, no trip cancellation, no baggage cover and no personal accident sum tied to the card. It is a payment and membership card: it works as a Mastercard wherever cards are accepted, and it gives community and lifestyle perks in Singapore, but it does not contribute anything towards a travel claim. Some cardholders confuse merchant discounts or rebates with insurance, but those are not medical or cancellation cover. If you want real protection for a trip, you need a separate travel policy, since the card pays nothing if something goes wrong abroad.

Do I need separate travel insurance with the PAssion Card?

Yes. Because the PAssion Card includes no travel cover, using it to pay for a trip gives you no insurance protection on its own. A single unexpected hospital admission overseas, which MediShield Life does not cover outside Singapore, can run past S$100,000, and none of that falls on the card. A standalone Singapore travel policy fills the whole gap from around S$20 for a single trip, and it usually covers overseas medical, trip cancellation, baggage and personal liability. Many plans include COVID-19 medical costs too. Buy the policy before you depart, keep the confirmation on your phone, and treat the card purely as a convenient way to pay.

Does the PAssion Card cover COVID-19 overseas?

No. The PAssion Card does not cover COVID-19 medical costs overseas, because the card carries no travel insurance at all. If you catch COVID-19 abroad and need treatment or a hospital stay, the bill is entirely your own, and MediShield Life does not pay for care outside Singapore. This is a common point of confusion, since several Singapore travel policies do include COVID-19 cover. The PAssion Card is not one of them. If COVID-19 protection matters for your trip, buy a standalone travel policy that lists COVID-19 medical and, ideally, trip cancellation among its benefits, and check the certificate wording before you rely on it.

Does the PAssion Card include mobile phone insurance?

No. The PAssion Card does not include mobile phone insurance, and it carries no purchase protection or extended warranty either. If your phone screen cracks or the handset is stolen, the repair or replacement is your own cost, and a flagship screen repair alone runs about S$200 to S$600, while a full replacement runs S$1,200 to S$2,300. The card's value sits in everyday spending and community perks, not device protection. For phone cover you would need a separate gadget or mobile insurance policy, or a different card that specifically lists phone protection. Do not assume a debit or membership card includes device cover, because in Singapore that benefit is uncommon and is not attached to this card.

Is the PAssion Card enough for an overseas trip?

For paying merchants abroad, the PAssion Card works fine, since it runs on the Mastercard network and is widely accepted. For protection, it is not enough on its own. The card provides no overseas medical, cancellation or baggage cover, so a trip paid entirely on the card is still an uninsured trip. If you are hospitalised overseas, the bill can pass S$100,000 with nothing from the card and nothing from MediShield Life, which does not cover care outside Singapore. The realistic setup is to use the card for spending and pair it with a standalone travel policy that covers the medical and disruption risks. That policy starts at around S$20 for a single trip, so the protection costs far less than one night in an overseas hospital.

Does the PAssion POSB card come with travel insurance for your trip?

PAssion·SGD 0/year·Mastercard

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated September 1, 20268 min read

0,0/5Independent review · verified September 2026

Travel Insurance

0,0

Protection

0,0

Our Verdict · Travel Insurance

Our take on travel insurance for the PAssion PAssion Card

Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews

You charge your Bangkok flight to the PAssion Card and assume some cover switches on. It does not. The PAssion Card is a People's Association community membership card combined with a POSB debit and stored-value card, not an insurance product, so it carries no complimentary travel insurance of any kind. A serious overseas hospital admission can pass S$100,000, and MediShield Life, Singapore's national health insurance scheme, does not pay for treatment outside Singapore, so the whole bill lands on you. There is no trip cancellation, no baggage cover and no overseas medical benefit tied to the card. A standalone Singapore travel policy fills that gap from about S$20 for a single trip, covering medical, cancellation and baggage. Treat the card as a way to pay, and buy the cover separately before you fly.

Where travel breaks down

No complimentary travel insurance: overseas medical, cancellation and baggage are all uninsured
No overseas hospital cover: a major admission abroad can pass S$100,000, none of it paid by MediShield Life
Charging your flight to the PAssion Card activates no policy, because the card is not an insurance product

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 PAssion PAssion Card Travel Insurance actually cover?

No personal accident benefit. This benefit is not included with this card. Accidental death and permanent disablement while travelling pay nothing from this card. A standalone travel or personal accident policy is required for this cover.

What's not covered

Personal accident is not a benefit of this card

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

No travel delay cover. This benefit is not included with this card. Meals, accommodation, and transport during a delay are the cardholder's responsibility.

What's not covered

Travel delay is not a benefit of this card

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.

What's not covered

Missed connection is not a benefit of this card

No baggage cover. This benefit is not included with this card. Replacement costs for lost or stolen bags are the cardholder's responsibility.

What's not covered

Baggage loss is not a benefit of this card

No baggage delay cover. This benefit is not included with this card. Purchases of essential items during a bag delay are out of pocket.

What's not covered

Baggage delay is not a benefit of this card

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

We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?

Report an error Send updated PDF

Coverage Radar

Where the PAssion PAssion Card wins, where it loses

Coverage snapshot for this tab — click any layer to highlight its scores.

Accidental death: not covered by this card

Medical fees abroad: not covered by this card

Medical repatriation: not covered by this card

Compare

PAssion CardThis card0.0/5?

SGD 0/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

SGD 215 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the PAssion PAssion Card stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most PAssion Card shoppers also consider.

Card	This card PAssion Card PAssion · SGD 0/yr 0.0/5?	Revolution HSBC · SGD 0/yr 1.5/5?	ULTIMA Citibank · SGD 4,199/yr 2.9/5?
Trip cancellation Per person, per trip cap	Not covered Cover this gap →	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	Not covered Cover this gap →	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

StrongLimited / misleadingNot covered

Data verified against each card's Guide to Benefits, May 2026.

Cardholder reviews

What cardholders say about the PAssion PAssion Card

Cardholder experience with the card 4 reviews

Benjamin Choo (Seedly)

Cash rebates through yuu Points

Earn cash rebates in the form of yuu Points on everyday purchases Enjoy a 9% cash rebate on eligible yuu merchants

Li Elizabeth (Seedly)

Easy to use, ATMs everywhere

As easy as it gets. ATM all around the island. What else to complain?

yiyik (Seedly)

Simple to apply and use

Ease of application, not difficult to use at all, functions as ATM card and customer service is good and friendly

Cryotosensei (Seedly)

yuu points at Giant and 7-Eleven, ATMs everywhere

I paired it with the yuu app, so this means I gain some points when I shop at Giant and 7-Eleven. Easy to withdraw money too since POSB ATMs are everywhere

What to do if you need travel cover with the PAssion Card

Step 1: Buy a standalone travel policy before you fly

Because the card includes no travel insurance, arrange a standalone Singapore travel policy that states its overseas medical, cancellation and baggage limits in writing. Cover starts from around S$20 for a single trip.

Step 2: Keep your policy and emergency number with you

Save your travel insurer's 24-hour emergency assistance number and policy number on your phone, and keep receipts, medical reports and any police or airline reports to support a claim.

Step 3: Escalate to FIDReC for a card-issuer dispute

For a dispute with the card issuer itself, not travel insurance, you can approach FIDReC, the Financial Industry Disputes Resolution Centre, free of charge within 6 months of the issuer's final reply.

No. The PAssion Card is a People's Association membership card combined with a POSB debit and stored-value card, and it carries no complimentary travel insurance at all. Charging your flights or hotels to it does not switch on any overseas medical, trip cancellation or baggage cover, because there is no policy attached to the card to activate. If you booked a trip assuming the card would protect you, you are travelling uninsured. To close that gap, buy a standalone Singapore travel policy before you depart. These start at around S$20 for a single trip and pay the hospital bills, cancellations and lost bags that the PAssion Card does not cover.
None. The PAssion Card offers no travel insurance protection of any kind. There is no overseas emergency medical benefit, no trip cancellation, no baggage cover and no personal accident sum tied to the card. It is a payment and membership card: it works as a Mastercard wherever cards are accepted, and it gives community and lifestyle perks in Singapore, but it does not contribute anything towards a travel claim. Some cardholders confuse merchant discounts or rebates with insurance, but those are not medical or cancellation cover. If you want real protection for a trip, you need a separate travel policy, since the card pays nothing if something goes wrong abroad.
Yes. Because the PAssion Card includes no travel cover, using it to pay for a trip gives you no insurance protection on its own. A single unexpected hospital admission overseas, which MediShield Life does not cover outside Singapore, can run past S$100,000, and none of that falls on the card. A standalone Singapore travel policy fills the whole gap from around S$20 for a single trip, and it usually covers overseas medical, trip cancellation, baggage and personal liability. Many plans include COVID-19 medical costs too. Buy the policy before you depart, keep the confirmation on your phone, and treat the card purely as a convenient way to pay.
No. The PAssion Card does not cover COVID-19 medical costs overseas, because the card carries no travel insurance at all. If you catch COVID-19 abroad and need treatment or a hospital stay, the bill is entirely your own, and MediShield Life does not pay for care outside Singapore. This is a common point of confusion, since several Singapore travel policies do include COVID-19 cover. The PAssion Card is not one of them. If COVID-19 protection matters for your trip, buy a standalone travel policy that lists COVID-19 medical and, ideally, trip cancellation among its benefits, and check the certificate wording before you rely on it.
No. The PAssion Card does not include mobile phone insurance, and it carries no purchase protection or extended warranty either. If your phone screen cracks or the handset is stolen, the repair or replacement is your own cost, and a flagship screen repair alone runs about S$200 to S$600, while a full replacement runs S$1,200 to S$2,300. The card's value sits in everyday spending and community perks, not device protection. For phone cover you would need a separate gadget or mobile insurance policy, or a different card that specifically lists phone protection. Do not assume a debit or membership card includes device cover, because in Singapore that benefit is uncommon and is not attached to this card.
For paying merchants abroad, the PAssion Card works fine, since it runs on the Mastercard network and is widely accepted. For protection, it is not enough on its own. The card provides no overseas medical, cancellation or baggage cover, so a trip paid entirely on the card is still an uninsured trip. If you are hospitalised overseas, the bill can pass S$100,000 with nothing from the card and nothing from MediShield Life, which does not cover care outside Singapore. The realistic setup is to use the card for spending and pair it with a standalone travel policy that covers the medical and disruption risks. That policy starts at around S$20 for a single trip, so the protection costs far less than one night in an overseas hospital.