Updated September 29, 2026 · AssureCue Editorial Team
Income Insurance vs WAS Insurance
What sets them apart
| Compare |  Income Insurance |  WAS Insurance |
|---|---|---|
| Insurance types | Auto, Home, Life, Health, Travel, Pet, MotorcycleCovers more | Travel, Pet |
| Provider type | Insurer | Broker |
| Excess from | SGD 250 | A$100 |
| Cover limit | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) | Unlimited medical |
| Claims channels | Phone, Email, Online form, Mobile app, Customer portal | Phone, Email, Online |
| Age range | Pet insured must be at least 16 weeks old and below 9 years old at policy start | 18-99 |
| Premium from | SGD 0.60 | Not confirmed |
| Monthly payments | Not confirmed | Yes |
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 8.9.
- Insurance types: only Income Insurance offers Auto, Home, Life.
- Claims channels: only Income Insurance offers Online form, Mobile app, Customer portal.
- Claims channels: only WAS Insurance offers Online.
- Support channels: only Income Insurance offers Help centre.
Our verdict on each
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.
WAS Insurance
WAS Insurance suits travellers and pet owners in AU who want a broker with help via email and phone. It accepts a wide age span of 18-99 for cover, so you can check eligibility and claim options before you compare quotes.
Score breakdown
| Area | Income Insurance | WAS Insurance |
|---|---|---|
| Cost | 9.1HigherPremiums from SGD 0.60 sit below the site median of €8.37, while the pet excess starts at SGD 250. | 9.0Pet claims carry excess of AUD 100 per claim. |
| Offer | 9.6Higher | 8.8Range covers travel and pet only, focused on travel and pet. |
| Trust | 9.5Higher | 8.8Wiseandsilent Pty Ltd holds licence 536280 under ASIC. |
Licences and countries
| Country | Income Insurance | WAS Insurance |
|---|---|---|
| Australia | Not confirmed | ASIC 536280 |
Additional countries for Income Insurance: 1. Additional countries for WAS Insurance: 1.
Positions in our rankings
| Ranking | Income Insurance | WAS Insurance |
|---|---|---|
| Travel insurance | 11 of 291 | 32 of 291 |
| Pet insurance | 6 of 161 | 12 of 161 |
What each covers
| Insurance types | Income Insurance | WAS Insurance |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | Yes | No |
What we checked
Income Insurance
- income.com.sg: 12 facts, checked September 26, 2026
WAS Insurance
- wiseandsilent.com: 11 facts, checked September 29, 2026
Every fact side by side
| Fact | Income Insurance | WAS Insurance |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Not confirmed | Monthly |
| Legal entity | Income Insurance Limited | Wiseandsilent Pty Ltd |
| Headquarters | Singapore | Australia |
| Founded | 1970 | Not confirmed |
| Support channels | Phone, Email, Help centreCovers more | Email, Phone |
Business insurance
| Fact | Income Insurance | WAS Insurance |
|---|---|---|
| Cover types | Professional indemnity | Not confirmed |
Pros and cons
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.
WAS Insurance
Pros
- Travel medical protection is listed as Unlimited medical, which addresses high hospital bills abroad.
- Claims accept phone, email and online, so you can call, email or file online when you need help.
- Billing follows monthly and monthly payments are available, which spreads premiums across the year.
Cons
- Range stays limited to travel and pet, so auto or home needs sit elsewhere.
- Support runs on email and phone only, so chat help is outside email and phone.
- Pet claims include excess of AUD 100, which adds to vet bills.
Who each suits
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.
WAS Insurance
Who it suits
- Travellers who want medical led cover should shortlist WAS Insurance over andsafe, thanks to Unlimited medical.
- Pet owners who want phone and online claims should prefer WAS Insurance to LV=, with routes via phone, email and online.
- Budget planners who want to spread premiums should pick WAS Insurance over die Bayerische, as billing follows monthly.
Who should look elsewhere
- Drivers or homeowners who need auto or home cover should consider andsafe, as WAS Insurance covers travel and pet only.
- Shoppers wanting life, health or income protection should consider die Bayerische, which goes beyond travel and pet.
- Households wanting auto, home and life in one place should consider LV=, rather than the focused travel and pet.
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 | Income Insurance | WAS Insurance |
|---|---|---|
| Australia | No | Yes |
| Singapore | Yes | No |
Questions about each
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.
WAS Insurance
Is WAS Insurance an insurer or a broker?+
WAS Insurance works as a broker based in Australia under the name Wiseandsilent Pty Ltd. That means it arranges cover rather than underwriting it directly, so you should read each policy for insurer details and terms.
How is WAS Insurance regulated in Australia?+
Australian oversight comes through ASIC under licence 536280 held by Wiseandsilent Pty Ltd. You can search the licence register before you buy, and keep policy documents for any later query about cover or claims.
Other options to compare
Other matchups
- Income Insurance vs WorldTrips
- Income Insurance vs Hiscox UK
- Income Insurance vs Aviva
- Income Insurance vs DZI
- Income Insurance vs KS Auxilia
- Income Insurance vs MyPhysicianPlan
- Income Insurance vs Polizza Vita con Bonus
- Income Insurance vs HanseMerkur Reiseversicherung AT
- Income Insurance vs HanseMerkur
- Income Insurance vs Linxea
- Income Insurance vs Explorer Travel Insurance
- Income Insurance vs HelloSafe (Atlas)
- Income Insurance 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 DirectAsia
- Income Insurance vs YouSet
- Income Insurance vs MoneyHero
- Income Insurance vs BizCover (Australia)