Updated September 29, 2026 · SumCue Editorial Team
Income Insurance vs Linxea
Income Insurance
Higher score in this comparison
Linxea
What sets them apart
| Compare | Income InsuranceReviewVisitVisit | LinxeaReviewVisitVisit |
|---|---|---|
| Premium from | SGD 0.60 | €25 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, MotorcycleCovers more | Life |
| Provider type | Insurer | Broker |
| Claims channels | Phone, Email, Online form, Mobile app, Customer portal | Phone, Email, Post |
| Age range | Pet insured must be at least 16 weeks old and below 9 years old at policy start | 18+ |
| Monthly payments | Not confirmed | Yes |
| Excess from | SGD 250 | Not confirmed |
| Cover limit | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) | Not confirmed |
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 8.7.
- Insurance types: only Income Insurance offers Auto, Home, Health.
- Claims channels: only Income Insurance offers Online form, Mobile app, Customer portal.
- Claims channels: only Linxea offers Post.
- Audience: only Income Insurance offers Seniors.
- Audience: only Linxea offers Expats.
Our verdict on each
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.
Linxea
Linxea suits expats in France seeking life cover linked to funds and bonds with easy access and variable returns. Opening asks €100 with 0% entry fee on Linxea Avenir 2, headline at 3% and cover at EU ICS up to EUR 20,000 with online management.
Score breakdown
| Area | Income Insurance | Linxea |
|---|---|---|
| Cost | 9.1HigherStarting premium of SGD 0.60 ranks 25 of 251 brands on premium from, while pet cover carries an excess of SGD 250. | 8.4Monthly cost stays at €0 with 0% entry fee on Linxea Avenir 2 keeping entry light |
| Offer | 9.5Higher | 8.9Life cover linked to funds and bonds with variable pricing at 3% |
| Trust | 9.5Higher | 8.8Oversight by ORIAS with cover at EU ICS up to EUR 20,000 stated |
Licences and countries
| Country | Income Insurance | Linxea |
|---|---|---|
| France | Not confirmed | ORIAS 07031073 |
Additional countries for Income Insurance: 1. Additional countries for Linxea: 1.
What each covers
| Insurance types | Income Insurance | Linxea |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | Yes |
| Health | Yes | No |
| Travel | Yes | No |
| Pet | Yes | No |
| Motorcycle | Yes | No |
How they place
| Ranking | Income Insurance | Linxea |
|---|---|---|
| Savings | 16 of 1492 | 5 of 1492 |
| Insurance | 15 of 627 | 7 of 627 |
| Life insurance | 4 of 238 | 3 of 238 |
What we checked
Income Insurance
- income.com.sg: 12 facts, checked September 26, 2026
Linxea
- linxea.com: 8 facts, checked September 26, 2026
Every fact side by side
| Fact | Income Insurance | Linxea |
|---|---|---|
| Audience | Seniors | Expats |
| Pricing model | Not confirmed | Low fees |
| Legal entity | Income Insurance Limited | Not confirmed |
| Headquarters | Singapore | Not confirmed |
| Founded | 1970 | Not confirmed |
| Support channels | Phone, Email, Help centre | Not confirmed |
Savings
| Fact | Income Insurance | Linxea |
|---|---|---|
| Headline rate | Not confirmed | 3% |
| Rate type | Not confirmed | Variable |
| Minimum deposit | Not confirmed | €100 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Access terms | Not confirmed | Redemption from 100 EUR; euro fund capital 99.4% guaranteed; subscription and management 100% online |
| Monthly fee | Not confirmed | €0 |
| Account kind | Not confirmed | Easy access |
| Regulators | Not confirmed | ORIAS |
Pros and cons
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.
Linxea
Pros
- Entry premiums from €25 with monthly payments supported for gradual saving
- Ongoing account cost at €0 with 0% entry fee on Linxea Avenir 2 on Linxea Avenir cover
- Easy access structure via easy access linked to variable pricing at 3%
Cons
- Starting deposit of €100 sits above free entry at XTB at €0
- Stocks are not among its markets (funds and bonds), while DKB covers stocks, ETFs and bonds
- Cover centres on life life policies, which limits choice if you want health or travel add ons
Who each suits
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.
Linxea
Who it suits
- Expats in France seeking life savings over XTB if insurance structure matters more than trading
- Cost aware savers choosing Linxea over DKB if low entry fees matter more than equity breadth
Who should look elsewhere
- Traders wanting stocks and ETFs should consider DKB for broader market breadth beyond funds and bonds
- Savers wanting free entry should consider XTB given Linxea asks €100 to open
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
Linxea
Current offer
Bonus
100 EUR offerts ouverture Linxea Spirit 2 enfant mineur: 100 EUR
ouverture d'un contrat Linxea Spirit 2 pour enfant mineur
Source, checked September 26, 2026
Country by country
| Country | Income Insurance | Linxea |
|---|---|---|
| France | No | Yes |
| Singapore | Yes | No |
Questions about each
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.
Linxea
What does it cost to start and top up Linxea cover?+
You can open Linxea Avenir cover from €100 and add premiums from €25, with monthly payments supported. Management stays online, which helps you build savings gradually. Support across phone, help centre and community can guide you on scheduled payments and redemption options.
How does the headline rate work?+
Linxea lists a headline rate of 3% on a variable basis for relevant savings. Rates can move over time, so returns may vary across periods. You should view the rate alongside fund choice and euro fund terms before deciding if the structure fits your plans for flexible savings.
Other options to compare
Other matchups
- Linxea vs Airwallex
- Income Insurance vs HelloSafe (Atlas)
- Income Insurance vs WorldTrips
- Income Insurance vs die Bayerische
- Income Insurance vs Porto Seguro
- Income Insurance vs KS/AUXILIA
- Income Insurance vs MyPhysicianPlan
- Linxea vs ActivTrades
- Linxea vs XTB
- Income Insurance vs Polizza Vita con Bonus
- Linxea vs Finom
- Income Insurance vs HanseMerkur Reiseversicherung AT
- Linxea vs AXA
- Linxea vs DKB
- Linxea vs UNest
- Income Insurance vs HomeServe
- Linxea vs Qonto
- Linxea vs Mintos
- Income Insurance vs Explorer Travel Insurance
- Linxea vs Bitpanda
- Income Insurance vs MSIG Insurance (Thailand)
- Income Insurance vs Vuso UA
- Income Insurance vs TIPINSURE
- Income Insurance vs Max Life Insurance
- Linxea vs Revolut
- Income Insurance vs Acko
- Income Insurance vs DirectAsia