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See the agent at workThree minutes with Bonsai.

You say SKIING. Bonsai already knows that's an exclusion in three of six policies.

A form takes the destination. Bonsai takes the story — and the follow-up that decides cover.

You

Tokyo, two weeks, March. Hakuba week two.

B

Marked runs only, or backcountry? Anyone over 70? Renting kit, or bringing it?

or
You

Honda Civic 2018, just renewed.

B

How long's it parked HDB vs commute? Any claims in the last three years? Ever drive into Malaysia?

Every policy hides a NO in the fine print.

Move the slider. Policies re-rank, and the gaps light up.

Your budget

$150

$50$500

Bonsai · live verdict

AXA Standard — $138. Cardiac pre-existing accepted with small loading.

  • 01
    AXA StandardPick
    MedicalTripBaggageAdventurePre-existing
    in budget
    $138

    Cardiac pre-existing accepted with small loading.

  • 02
    FWD Standard
    MedicalTripBaggageAdventurePre-existing
    in budget
    $112

    Solid all-rounder. Snow on-piste only.

  • 03
    NTUC Standard
    MedicalTripBaggageAdventurePre-existing
    in budget
    $84

    Best value for plain holidays. No adventure cover.

  • 04
    FWD Basic
    MedicalTripBaggageAdventurePre-existing
    in budget
    $62

    Cheap, but excludes backcountry and pre-existing.

  • 05
    Allianz Comprehensive
    MedicalTripBaggageAdventurePre-existing
    over budget
    $196

    Strongest pre-existing and adventure cover.

  • 06
    FWD Premium
    MedicalTripBaggageAdventurePre-existing
    over budget
    $168

    Adventure included. Pre-existing with declaration.

The line you'd skim, read out loud before you SIGN.

Bonsai reads the policy with you. One row at a time, on the trip-side and the product-side, until the sentence that would have caught you is the one you saw first.

No fine print. Same line, said out loud.

Bonsai · trip-side

“Backcountry skiing”

a single line in the itinerary.

Excluded in 4 of 6 policies. The one that catches you.

Explore destinationsWhere Singapore travels.

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The shelf Bonsai reads

01FWD02NTUC Income03AXA04Allianz05MSIG06Sompo07Chubb08Tokio Marine09Starr01FWD02NTUC Income03AXA04Allianz05MSIG06Sompo07Chubb08Tokio Marine09Starr01FWD02NTUC Income03AXA04Allianz05MSIG06Sompo07Chubb08Tokio Marine09Starr

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Coverage that grows with you

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Insurance arranged through Willy Insurance Brokers, a licensed broker. Payouts in SGD. Bonsai is a technology platform that only facilitates — provided as-is, information, not financial advice. Terms.