Updated September 29, 2026 · SumCue Editorial Team
HelloSafe (Atlas) vs Income Insurance
HelloSafe (Atlas)
Income Insurance
Higher score in this comparison
What sets them apart
| Compare | HelloSafe (Atlas)ReviewVisitVisit | Income InsuranceReviewVisitVisit |
|---|---|---|
| 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. Partners with a live offer in your country come first, then every other brand by score.
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 travel cover through a broker model with helpful support across phone, email and chat for trip planning. Premiums start at €9 with emergency medical cover at Emergency medical expenses EUR 500,000 - 2,500,000, while monthly payments stay unavailable for annual plans and cover remains travel focused.
Income Insurance
Income Insurance is a Singapore insurer selling auto, home, life, health, travel, pet and motorcycle cover, with a starting premium of SGD 0.60. It suits households that want several kinds of cover under one insurer, and seniors sit among the audience it names.
Score breakdown
| Area | HelloSafe (Atlas) | Income Insurance |
|---|---|---|
| Cost | 8.5Premiums start at €9 with annual payment in view. | 9.1HigherStarting premium of SGD 0.60 ranks 25 of 251 brands on premium from, while pet cover carries an excess of SGD 250. |
| Offer | 8.8Travel focus with emergency cover at Emergency medical expenses EUR 500,000 - 2,500,000 for expats. | 9.5Higher |
| Trust | 8.5Broker entry under licence 21008038 with assisted support. | 9.5Higher |
Side by side, item by item
| 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 these facts come from
HelloSafe (Atlas)
- hellosafe.com: 8 facts, checked September 29, 2026
Income Insurance
- income.com.sg: 12 facts, checked September 26, 2026
How they place
| Ranking | HelloSafe (Atlas) | Income Insurance |
|---|---|---|
| Insurance | 13 of 627 | 15 of 627 |
| Travel insurance | 6 of 278 | 8 of 278 |
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 |
Pros and cons
HelloSafe (Atlas)
Pros
- Emergency medical expenses at Emergency medical expenses EUR 500,000 - 2,500,000 give clear headroom for travel medical needs
- Premiums start at €9, which sits near the middle of travel premiums across the site
- Support across email, chat and phone gives choice for questions and claims while travelling
Cons
- Life cover is not among its travel, so households wanting life protection alongside travel need a second provider
- Home and motor cover are not among its travel, which keeps the range narrow for households wanting bundled policies
- HelloSafe acts as broker, so policy terms and claims depend on the partner insurer behind each plan
Income Insurance
Pros
- One insurer handles auto, home and life.
- Starting premiums of SGD 0.60, with the site's median starting premium at €8.31.
- Claims can be started through phone, email and online form.
Cons
- The pet policy starts at an excess of SGD 250, and its annual cover is capped at a set maximum.
- The pet line under auto, home and life only begins inside a set age band, so an older animal falls outside it.
- Pricing and cover sit in a single market, SG, and the only audience named is seniors.
Who each suits
HelloSafe (Atlas)
Who it suits
- Expats seeking travel cover that is open to All ages, every nationality and arranged online
- Travellers who value emergency medical cover at Emergency medical expenses EUR 500,000 - 2,500,000 with support across email, chat and phone
Who should look elsewhere
- Households wanting life cover should look at Polizza Vita con Bonus, which focuses on life rather than travel
- Travellers seeking very low entry premiums could compare TravelSecure, which lists premiums starting at €5 against €9
Income Insurance
Who it suits
- Households in Singapore who want motor, home, life, health, travel, pet and motorcycle cover arranged with one provider.
- Seniors, the only audience named under seniors.
- Pet owners with a young animal who are comfortable paying SGD 250 first on a vet bill.
Who should look elsewhere
- Readers chasing the lowest starting premium on the site, since bunq and bunq Spain list €0 and €0.
- Anyone who needs cover in a market other than SG, for whom bunq Spain is the option here tied to a different country.
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)
What does HelloSafe travel insurance cost?+
Premiums start at €9 for HelloSafe travel cover. The exact amount you pay depends on destination, duration, age and selected medical limits. You should compare the entry premium against emergency cover and trip features before choosing.
Can I pay for HelloSafe cover monthly?+
Monthly payments are listed as unavailable for annual travel cover. That means you pay for the selected period in a lump sum at purchase. If spreading cost across the year matters, compare providers that allow monthly payments.
Income Insurance
What kinds of insurance does Income Insurance sell?+
Income Insurance writes auto, home and life policies, so motor, home, life, health, travel, pet and motorcycle cover all sit with one provider. It is classed as an insurer rather than a comparison site, and it operates from SG.
What is the cheapest premium?+
The advertised starting premium is SGD 0.60. The site's median starting premium is €8.31, with a lower quartile of €2.92 and an upper quartile of €29.72. Income sits in the cheaper part of that range.
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