Cancer Protect

Cancer Protect

Affordable insurance coverage that protects against early and advanced stage cancers.

What it covers

Early stage cancers

We pay 25% of the sum assured upon diagnosis of an early stage cancer [1]. The sum assured of your policy will not be reduced by the early stage cancer benefit paid.

Advanced stage cancers

We pay 100% of the sum assured upon diagnosis of an advanced stage cancer [2]. If there was no claim made for an early stage cancer, we pay an additional 25% of the sum assured.

Accidental death before age 70

We pay 100% of the sum assured [3] in the event of accidental death. If the accidental death was due to a restricted activity, we pay 30% of the sum assured instead.

Non-accidental death

We pay $5,000 in the event of death not due to an accident. If it happens within one year from the cover start date [4] of your policy, we refund 100% of the total premiums paid instead.

Features

Choose the level of protection you need from three different sum assured(s): $100,000, $80,000 or $50,000.

Renewal is guaranteed every 10 years. The policy can be renewed up till age 84 (last birthday) [5].

We may provide cover even if you have existing non-cancer related medical conditions. [6]

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Before you apply

The entry age is from 30 to 64 years old (last birthday), with coverage to a maximum age of 84 (last birthday).

You have to make premium payments throughout the policy term. You can make your payments monthly, quarterly, half-yearly, or yearly.

Important Notes

Footnotes

 
  1. The definitions for early stage cancers are found in the policy conditions. The insured must survive for at least 30 days after the diagnosis of an early stage cancer. We will only pay this benefit once. We will not pay it again even if the policy is renewed. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with the disease any time before or within 90 days after the cover start date.
  2. The definitions for advanced stage cancers are found in the policy conditions. The insured must survive for at least 30 days after the diagnosis of an advanced stage cancer. We will not pay this benefit if the insured was diagnosed with the disease within 90 days after the cover start date.
  3. Accidental death benefit is payable only if insured’s death happens within 365 days of the accident. 100% of the sum assured will be paid out for this benefit only if the insured is age 69 (last birthday) or under, and is not participating in a restricted activity at the time of the accident. If the insured is participating in a restricted activity at the time of the accident, this benefit will be reduced to 30% of the sum assured. Standard exclusions apply as well. Please refer to the policy conditions for further details.
  4. Cover start date means the date we issue the policy; or the date we issue an endorsement to include or increase a benefit; or the date we reinstate the policy; whichever is latest.
  5. If there is no event giving rise to a claim (except that of an early stage of major cancers), we will renew your policy for the same contract term and sum assured. However, if the insured‘s 84th birthday falls within the next contract term, we will only renew it up to the anniversary immediately after the insured reaches the age of 84.
  6. This plan is not guaranteed and is subjected to underwriting. We will not pay any benefits if your claim arises from a material pre-existing condition that was not told to us. Please refer to the policy conditions for further details.

Exclusions

 

There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.

Important Notes

 

This page is for general information only. You can find the usual terms and conditions of this plan in the policy conditions. All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want. This plan does not have any cash value.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income or visit the websites of the General Insurance Association of Singapore (www.gia.org.sg), the Life Insurance Association, Singapore (www.lia.org.sg) or Singapore Deposit Insurance Corporation (www.sdic.org.sg).
 

Information is correct as of 21 April 2017

Frequently asked questions

How to apply

For enquiries about term life insurance, please call our hotline:
6788 1122

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