Updated September 29, 2026 · AssureCue Editorial Team
HelloSafe (Atlas) vs Income Insurance
HelloSafe (Atlas) vs Income Insurance: the differences
| Compare |  HelloSafe (Atlas) |  Income Insurance |
|---|---|---|
| Premium from | €9 | SGD 0.60 |
| Insurance types | Travel | Auto, Home, Life, Health, Travel, Pet, MotorcycleCovers more |
| Provider type | Broker | Insurer |
| Cover limit | Emergency medical expenses EUR 500,000 - 2,500,000 | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) |
| Claims channels | Phone, Email, Chat | Phone, Email, Online form, Mobile app, Customer portal |
| Age range | All ages, every nationality | Pet insured must be at least 16 weeks old and below 9 years old at policy start |
| Monthly payments | No | Not confirmed |
| Excess from | Not confirmed | SGD 250 |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Income Insurance scores higher overall: 9.4 vs 8.6.
- HelloSafe (Atlas) is available in 27 more countries.
- Insurance types: only Income Insurance offers Auto, Home, Life.
- Claims channels: only HelloSafe (Atlas) offers Chat.
- Claims channels: only Income Insurance offers Online form, Mobile app, Customer portal.
- Audience: only HelloSafe (Atlas) offers Expats.
- Audience: only Income Insurance offers Seniors.
Our verdict on each
HelloSafe (Atlas)
HelloSafe suits expats seeking dedicated travel cover with broad eligibility described as All ages, every nationality and clear broker status for careful comparison. Entry premiums of €9 make starting costs easy to compare for travellers weighing medical protection of Emergency medical expenses EUR 500,000 - 2,500,000 against price before buying cover online.
Income Insurance
Income Insurance suits anyone who wants a single insurer to hold several personal policies from a company based in Singapore, and it scores 5.6 here. On entry price it ranks 24 of 252 brands, so get a quote on your own details before committing to any plan.
Score breakdown
| Area | HelloSafe (Atlas) | Income Insurance |
|---|---|---|
| Cost | 8.5Entry premiums of €9 keep starting costs modest for travel buyers. | 9.1HigherPremiums from SGD 0.60 sit below the site median of €8.37, while the pet excess starts at SGD 250. |
| Offer | 8.9Cover spans Emergency medical expenses EUR 500,000 - 2,500,000 while eligibility stays broad with All ages, every nationality. | 9.6Higher |
| Trust | 8.5Broker model disclosed as broker with ORIAS registration 21008038. | 9.5Higher |
Feature by feature
| Insurance types | HelloSafe (Atlas) | Income Insurance |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Life | No | Yes |
| Health | No | Yes |
| Travel | Yes | Yes |
| Pet | No | Yes |
| Motorcycle | No | Yes |
Where each is licensed and available
| Country | HelloSafe (Atlas) | Income Insurance |
|---|---|---|
| France | ORIAS 21008038 | Not confirmed |
Additional countries for HelloSafe (Atlas): 28. Additional countries for Income Insurance: 1.
How they place
| Ranking | HelloSafe (Atlas) | Income Insurance |
|---|---|---|
| Travel insurance | 7 of 291 | 11 of 291 |
Every fact side by side
| Fact | HelloSafe (Atlas) | Income Insurance |
|---|---|---|
| Audience | Expats | Seniors |
| Legal entity | Not confirmed | Income Insurance Limited |
| Headquarters | Not confirmed | Singapore |
| Founded | Not confirmed | 1970 |
| Support channels | Not confirmed | Phone, Email, Help centre |
Business insurance
| Fact | HelloSafe (Atlas) | Income Insurance |
|---|---|---|
| Cover types | Not confirmed | Professional indemnity |
Pros and cons
HelloSafe (Atlas)
Pros
- Dedicated travel focus through travel for trip led buyers
- Emergency medical limits of Emergency medical expenses EUR 500,000 - 2,500,000 for care cost protection
- Broad eligibility described as All ages, every nationality for varied travellers
Cons
- Entry premiums of €9 sit above TravelSecure premiums of €5 for buyers comparing starting prices
- Broker setup as broker means cover is arranged through partner insurers with intermediated service and claims handling
- Travel focus through travel gives limited choice for buyers wanting bundled home or health cover alongside travel
Income Insurance
Pros
- A single insurer for the lot: auto, home and life and professional indemnity can sit with the same company, so personal and trade policies need not be split across providers.
- Claim handling runs through phone, email and online form, so you can start a claim by whichever route suits the moment, from a form to a call.
- Support is listed as phone, email and help centre, so a quote or renewal question has a phone line, an inbox and a help centre behind it.
Cons
- The pet excess starts at SGD 250, so a routine claim still leaves that amount with you before the insurer pays anything.
- The pet age range rules older animals out: the pet must be above a minimum age and below a maximum age at the policy start.
- The pet cover limit moves through a fixed annual range under Happy Tails Pet Insurance rather than a single high ceiling, so a costly year at the vet can outrun the policy.
Who each suits
HelloSafe (Atlas)
Who it suits
- Expats who prefer HelloSafe over TravelSecure for travel cover with All ages, every nationality
- Travellers valuing high medical limits who prefer HelloSafe over AXA for limits of Emergency medical expenses EUR 500,000 - 2,500,000
Who should look elsewhere
- Travellers who need monthly instalments may prefer AXA over HelloSafe because Monthly payments has value no
- Buyers seeking cover beyond travel may prefer MyPhysicianPlan over HelloSafe because HelloSafe lists travel only
Income Insurance
Who it suits
- Anyone who wants their auto, home and life cover gathered under a single insurer rather than split across providers.
- Seniors, named as an audience on seniors, and households that still want a phone line on phone, email and help centre.
- Pet owners whose animal sits inside the age window and whose yearly vet bills stay under the pet cover limit.
Who should look elsewhere
- Anyone chasing the lowest entry figure on its own: bunq starts at €0, which is the number to weigh before settling on Income Insurance.
- Renters who need contents-only cover, since Good Sam Insurance Agency lists auto, home and renters and that line is missing from auto, home and life.
- Pet owners with older animals or very large veterinary bills, who are better served by a pet-focused insurer than by Income Insurance.
Current offers
Income Insurance
Current offer
Discount code
Up to 20% off + 188,000 STAR$ on Domestic Helper Insurance: up to 20% off + 188,000 STAR$
Promo code GDH188 at checkout for qualifying policies purchased via Income Insurance website or My Income app
Source, checked September 26, 2026
Bonus
Up to 8% cashback on first-year premium for Complete Life Secure: up to 8% cashback on first-year premium
Purchase of an eligible Complete Life Secure plan, with Early Critical Secure rider
Source, checked September 26, 2026
Country by country
| Country | HelloSafe (Atlas) | Income Insurance |
|---|---|---|
| Brazil | Yes | No |
| Bulgaria | Yes | No |
| Canada | Yes | No |
| Croatia | Yes | No |
| Czechia | Yes | No |
| Denmark | Yes | No |
| Estonia | Yes | No |
| Finland | Yes | No |
8 of 29 countries where either is available.
Questions about each
HelloSafe (Atlas)
How much does HelloSafe travel cover start from?+
Entry premiums are listed as €9. The exact amount payable varies with destination, duration, age and selected limits, so travellers should compare quotes on matching trip details and review included benefits before buying cover online with care.
Is HelloSafe an insurer or a broker?+
HelloSafe acts as broker, which means it arranges cover provided by partner insurers rather than carrying insurance risk itself. ORIAS registration 21008038 identifies its French broker registration for buyers checking status and documents.
Income Insurance
How much does cover start at?+
Premiums begin at SGD 0.60. That is the entry figure across Income Insurance products and a starting point rather than a quote for your own situation. The cover you pick and the details you give shape the price you are offered, so read it as the entry point of the range, not the amount you are likely to pay.
Is there an excess to pay on a claim?+
On Happy Tails Pet Insurance, the excess starts at SGD 250. The excess is the part of a claim you cover yourself before the insurer pays the rest. A lower excess is gentler on a routine vet visit, while a higher starting excess keeps the premium smaller. Picture a normal appointment and check that the amount you would pay alone still feels comfortable.
Other options to compare
HelloSafe (Atlas) vs WorldTripsIncome Insurance vs WorldTrips
HelloSafe (Atlas) vs MyPhysicianPlanIncome Insurance vs MyPhysicianPlan
HanseMerkur Reiseversicherung AT
HelloSafe (Atlas) vs HanseMerkur Reiseversicherung ATIncome Insurance vs HanseMerkur Reiseversicherung AT
HelloSafe (Atlas) vs HanseMerkurIncome Insurance vs HanseMerkur
HelloSafe (Atlas) vs MSIG Insurance (Thailand)Income Insurance vs MSIG Insurance (Thailand)
Other matchups
- HelloSafe (Atlas) vs WorldTrips
- Income Insurance vs Hiscox UK
- Income Insurance vs Aviva
- Income Insurance vs DZI
- Income Insurance vs KS Auxilia
- HelloSafe (Atlas) vs MyPhysicianPlan
- Income Insurance vs Polizza Vita con Bonus
- HelloSafe (Atlas) vs HanseMerkur Reiseversicherung AT
- HelloSafe (Atlas) vs HanseMerkur
- Income Insurance vs Linxea
- Income Insurance vs Explorer Travel Insurance
- HelloSafe (Atlas) vs MSIG Insurance (Thailand)
- Income Insurance vs TIPINSURE
- Income Insurance vs Vuso UA
- Income Insurance vs Lemonade
- Income Insurance vs Compass
- Income Insurance vs Acko
- Income Insurance vs Getsafe
- Income Insurance vs DirectAsia
- Income Insurance vs YouSet
- Income Insurance vs WAS Insurance
- Income Insurance vs MoneyHero
- Income Insurance vs BizCover (Australia)