Lady 360

Lady 360

A comprehensive yet affordable female protection plan thoughtfully designed for woman’s needs.

What it covers

Female illnesses benefit

We pay a total amount of up to 100% of the sum assured in the event of diagnosis of certain female-specific illnesses[1], such as rheumatoid arthritis, chronic autoimmune hepatitis and malignant cancer of female sites.

Female surgeries benefit

We pay a total amount of up to 50% of the sum assured for specific surgeries[2] arising from female illnesses.

Support benefit

We pay a total amount of up to 100% of the sum assured for post diagnosis support benefits[3]. Lady 360 includes benefits for egg freezing before cancer treatment to preserve fertility, outpatient psychiatric treatment due to traumatic life events, and molecular gene expression profiling test to guide breast cancer treatment.

Death benefit
We pay $10,000 in the event of death.

Full coverage information

Features

You can claim for more than one insured event[4] from female illnesses benefit, female surgeries benefit and support benefit, provided it is not for the same illness, surgery or cause (except for cancer).

We waive[5] premiums for the next 24 months, or until the end of the policy term (whichever is earlier), upon diagnosis of a specific female illness covered by the policy.

From the second policy anniversary onwards, Lady 360 provides you with a tailored health screening every two years[6] to put your mind at ease.

Lists of tests and panel clinics

 

Enjoy the finer things in life when you indulge in exclusive treats specially curated for you.

 

Find out more

 

 

Before you apply

You can decide on the policy coverage period based on your needs.

10-year renewable term

Entry age Minimum Maximum
Insured 15 44
Policyholder 15^ N.A.

Coverage to age 64 last birthday

Entry age Minimum Maximum
Insured 15 59
Policyholder 15^ N.A.

^ Individuals who take up the policy on their own at 15 years old (last birthday) will require parental/legal guardian’s consent. Parents cannot take up policies on the lives of their children who are 18 years old (last birthday) and above.

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

Important Notes

Footnotes

 
  1. The insured must survive for at least 7 days after the insured is diagnosed with a covered female illness before we pay the female illnesses benefit. All payments are subject to the limit shown in the benefit table and the total amount under this benefit will not exceed 100% of the sum assured. You can claim for each female illness only once, except for cancer where you may claim more than once. If we pay a claim that is less than the cover limit, the percentage of the sum assured payable for this benefit will reduce accordingly. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 90 days after the cover start date. Please refer to the policy contract for further details and definitions of insured events.
  2. We will pay the female surgeries benefit up to the limit shown in the benefit table. The total amount paid under this benefit will not exceed 50% of the sum assured. If the insured underwent multiple female surgeries due to the same condition, we will only pay for one female surgery which has the highest benefit limit. You can claim for each female surgery only once, except for surgeries due to cancer. If we pay a claim that is less than the cover limit, the percentage of the sum assured payable for this benefit will reduce accordingly. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 90 days after the cover start date. Please refer to the policy contract for further details and definitions of the insured events.
  3. We will pay this support benefit up to the limit shown in the benefit table. The total amount paid under this benefit will not exceed 100% of the sum assured. If we pay a claim that is less than the cover limit, the percentage of the sum assured payable for this benefit will reduce accordingly. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 90 days after the cover start date, unless it is for reconstructive surgery benefit due to accidental burns or accident, or outpatient psychiatric benefit due to disfigurement from accidental burns or death of the insured’s spouse or child. Please refer to the policy contract for further details and definitions of the insured events.
  4. You can claim for more than one insured event from female illnesses benefit, female surgeries benefit and support benefit, up to the cover limit as set out in the benefit table, provided it is not for the same illness, surgery or cause (except for cancer). If we pay a claim that is less than the cover limit, the percentage of the sum assured payable for that benefit will reduce accordingly. This policy will end when the total claims paid for the insured events under female illnesses benefit amounts to 100% of sum assured, female surgeries benefit amounts to 50% of sum assured and support benefit amounts to 100% of sum assured; or the death benefit is paid, whichever is earlier. Please refer to the policy contract for further details and definitions of the insured events.
  5. This benefit can be claimed only once. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 90 days after the cover start date.
  6. The biennial health screening benefit is available from the second policy anniversary of the cover start date. Cover start date refers to 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 the latest). We will write to you when this benefit is due, provided that there are no outstanding premiums due under your policy, and the policy is still inforce. This benefit is not transferable and the health screening must be completed within 180 days from the date we write to you and conducted at any one of our panel of clinics listed on our letter to you. You can find the list of tests provided under this benefit here.
 

This is for general information only. You can find the usual terms and conditions of this plan at www.income.com.sg/lady-360-policy-conditions.pdf. 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 GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

 

Information is correct as of 21 July 2017

Frequently asked questions

How to apply

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

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