Updated September 28, 2026 · SumCue Editorial Team
Income Insurance vs MSIG Insurance (Thailand)
Income Insurance
Higher score in this comparison
MSIG Insurance (Thailand)
Where Income Insurance and MSIG Insurance (Thailand) differ
| Compare | Income InsuranceReviewVisitVisit | MSIG Insurance (Thailand)ReviewVisitVisit |
|---|---|---|
| Premium from | SGD 0.60 | THB 299 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, MotorcycleCovers more | Auto, Travel, Home, Health |
| Cover limit | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) | Up to THB 50,000 hospitalisation benefit (Seasonal Disease plan 'Hot Hit', PP02) |
| Claims channels | Phone, Email, Online form, Mobile app, Customer portal | Phone, Online claims portal, Email |
| Excess from | SGD 250 | Not confirmed |
| Age range | Pet insured must be at least 16 weeks old and below 9 years old at policy start | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- Income Insurance scores higher overall: 9.4 vs 9.3.
- Insurance types: only Income Insurance offers Life, Pet, Motorcycle.
- Claims channels: only Income Insurance offers Online form, Mobile app, Customer portal.
- Claims channels: only MSIG Insurance (Thailand) offers Online claims portal.
- Support channels: only MSIG Insurance (Thailand) offers Chat.
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.
MSIG Insurance (Thailand)
MSIG Insurance (Thailand) suits households in Thailand that want motor, travel, home and health policies from a single insurer, and claims can start by phone, through the online claims portal or by email. Premiums start at THB 299, and support runs on email, phone and chat.
Score breakdown
| Area | Income Insurance | MSIG Insurance (Thailand) |
|---|---|---|
| Cost | 9.1Starting premium of SGD 0.60 ranks 25 of 251 brands on premium from, while pet cover carries an excess of SGD 250. | 9.1Premiums start at THB 299, ahead of €0 and €25 on entry price. |
| Offer | 9.5Higher | 9.3 |
| Trust | 9.5 | 9.5 |
Where each is licensed and available
| Country | Income Insurance | MSIG Insurance (Thailand) |
|---|---|---|
| Thailand | Not confirmed |
Additional countries for Income Insurance: 1. Additional countries for MSIG Insurance (Thailand): 1.
Sources behind this comparison
Income Insurance
- income.com.sg: 12 facts, checked September 26, 2026
MSIG Insurance (Thailand)
- msig-thai.com: 6 facts, checked September 26, 2026
- psmart.msig-thai.com: 2 facts, checked September 26, 2026
How they place
| Ranking | Income Insurance | MSIG Insurance (Thailand) |
|---|---|---|
| Insurance | 15 of 627 | 20 of 627 |
| Health insurance | 5 of 200 | 9 of 200 |
| Car insurance | 3 of 279 | 8 of 279 |
| Home insurance | 4 of 258 | 8 of 258 |
| Travel insurance | 8 of 278 | 12 of 278 |
Every fact side by side
| Fact | Income Insurance | MSIG Insurance (Thailand) |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Legal entity | Income Insurance Limited | MSIG Insurance (Thailand) Public Company Limited |
| Headquarters | Singapore | Thailand |
| Founded | 1970 | Not confirmed |
| Support channels | Phone, Email, Help centre | Email, Phone, Chat, Help centreCovers more |
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.
MSIG Insurance (Thailand)
Pros
- Claims open by phone, through the online claims portal or by email: phone, online claims portal and email.
- Motor, travel, home and health sit with a single insurer: auto, travel and home.
- Help runs on email, phone, chat and a help centre: email, phone and chat.
Cons
- Premiums start at THB 299, above €0 at bunq and €25 at Linxea.
- Cover stops at the types listed, auto, travel and home, so life and pet policies sit outside the range.
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.
MSIG Insurance (Thailand)
Who it suits
- Households in Thailand holding a car, a home, health cover or travel plans: auto, travel and home
- Readers who want to open a claim by phone, online or by email: phone, online claims portal and email
- Shoppers who want help across email, phone, chat and a help centre: email, phone and chat
Who should look elsewhere
- Price-first shoppers: bunq and bunq Spain start at €0 and €0, below THB 299 here.
- Readers who want a life or savings product: Linxea starts at €25 and covers a different product line from auto, travel and home.
- Buyers who want cover that travels with them across markets: this insurer sits in TH and writes auto, travel and home.
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
MSIG Insurance (Thailand)
Current offer
Discount code
MSIG Motor insurance: enter promocode MPTT15 to get e-Voucher worth up to 700 THB: e-Voucher up to THB 700
Ends 31 January 2027
Source, checked September 26, 2026
Discount code
Home insurance: enter code Ban15 for 15% off plus Starbucks e-Coupon worth up to 600 THB: 15% off + e-Coupon up to THB 600
Ends 31 January 2027
Source, checked September 26, 2026
Bonus
Special promotion MSIG Trip Easy Plus domestic travel, enter code 18DM, 2 benefits: 2 benefits per policy
Ends 31 January 2027
Source, checked September 26, 2026
Discount code
MSIG Overseas Student travel insurance: enter promocode 18SAVE to get e-Coupon worth up to 1,400 THB: e-Coupon up to THB 1,400
Ends 31 December 2026
Source, checked September 26, 2026
Discount code
Enter promocode 15STB or 15PTT to get e-Coupon / e-Voucher worth up to 1,000 THB for MSIG Travel Easy Plus overseas travel (per trip and annual): e-Coupon / e-Voucher up to THB 1,000
Ends 31 October 2026
Source, checked September 26, 2026
Country by country
| Country | Income Insurance | MSIG Insurance (Thailand) |
|---|---|---|
| Singapore | Yes | No |
| Thailand | No | Yes |
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.
MSIG Insurance (Thailand)
What is the entry premium?+
Premiums start at THB 299 on the seasonal disease plan, the simplest product in the range. The other lines, auto, travel and home, are priced separately, so that figure sits at the bottom of the range rather than in the middle of it.
Is MSIG a bank?+
No. insurer reads insurer, and the legal entity is MSIG Insurance (Thailand) Public Company Limited, based in Thailand. Policies are underwritten and paid by the insurer itself, so the money sits with a single company rather than a bank.
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