Maternity 360

Maternity 360

A single premium plan designed to provide comprehensive coverage for you and your baby over 3 years.

What it covers

Hospital care benefit for mother and child
We pay 1% of the sum assured for each day that the mother or child is hospitalised[1],[2] for any of the insured events, up to a maximum of 30 days.
Pregnancy complications benefit

We pay 100% of the sum assured if the mother is diagnosed with any of the insured pregnancy complications[3].

Congenital illnesses benefit

We pay 100% of the sum assured if the child is live-born and diagnosed with any of the insured congenital illnesses[4].

Outpatient phototherapy benefit
We pay 1% of the sum assured[5] for each day that the phototherapy machine is rented, up to a maximum of 10 days, if the child requires phototherapy treatment due to severe neonatal jaundice.
Death benefit for mother and child
We pay 100% of the sum insured in the event of death of mother or child[6],[7] occurring during the term of the policy.

Full coverage information

Features

After the birth of the child, the mother may choose to take up a new policy[8] offered by us based on a simplified health declaration. The available plans are VivoLife series, VivaLink, RevoSave and VivoChild (subject to change).

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Before you apply

You can only buy this plan when the insured mother is between 13 – 35 weeks pregnant.

Entry age Minimum Maximum
Insured 17 44
Policyholder

17^

N.A.

^ Parents cannot take up policies on the lives of their children who are 18 years old (age last birthday) and above.

You can only make your payment in a single premium.

Important Notes

Footnotes

 
  1. If the insured mother has to stay in a hospital due to any of the insured events under the hospital care benefit in the mother’s benefit table and the hospitalisation is within 42 days after the birth of insured child, we will pay 1% of the sum assured for each day she is in the hospital, up to a maximum of 30 days and the stay must be during the contract term. To avoid doubt, if the stay in hospital is due to multiple medical conditions, we will only pay 1% of the sum assured for each day the insured mother stays in the hospital. The total amount paid under this hospital care benefit will not exceed 30% of the sum assured. This benefit will end upon payment of 30% of the sum assured. Please refer to the policy contract for further details and definitions of the insured events.
  2. If the insured child stays in the intensive care unit or high dependency unit of a hospital due to any of the insured events under hospital care benefit for the child, we will pay 1% of the sum assured for each day the insured child is in the hospital, up to a maximum of 30 days and the stay must be during the contract term. To avoid doubt, if the stay in hospital is due to multiple medical conditions, we will only pay 1% of the sum assured for each day the insured child stays in the intensive care unit or high dependency unit of a hospital. For phototherapy or blood transfusion for severe neonatal jaundice and premature birth, we will only cover up to 30 days from birth. The total amount paid under this hospital care benefit will not exceed 30% of the sum assured. This benefit will end upon payment of 30% of the sum assured. Please refer to the policy contract for further details and definitions of the insured events.
  3. The total amount paid under this pregnancy complications benefit will not exceed 100% of the sum assured. This benefit will end when we make this payment. Please refer to the policy contract for further details and definitions of the insured events.
  4. We will pay 100% of the sum assured if the insured child is live-born and is diagnosed with any of the insured events under the congenital illnesses benefit in the child’s benefit table. The total amount paid under this congenital illness benefit will not exceed 100% of the sum assured. This benefit will end when we make this payment. Please refer to the policy contract for further details and definitions of the insured events.
  5. If the insured child needs phototherapy treatment due to severe neonatal jaundice, we will pay 1% of the sum assured for each day of rental of the phototherapy machine, up to a maximum of 10 days. This benefit is valid only up to 30 days from birth. The total amount paid under this outpatient phototherapy benefit will not exceed 10% of the sum assured. This benefit will end upon payment of 10% of the sum assured. Please refer to the policy contract for further details and definitions of the insured events.
  6. We will pay 100% of the sum assured if the insured mother dies during the term of the policy. All benefits for the insured mother will end when we make this payment. Please refer to the policy contract for further details and definitions of the insured events.
  7. We will pay 100% of the sum assured if the insured child is live-born and dies within 30 days after birth. All benefits for the insured child will end when we make this payment. Please refer to the policy contract for further details and definitions of the insured events.
  8. We will decide the type of new policy to be offered and all the following conditions must be met.
    • The insured mother must take up the new policy within 60 days after the birth of her child; and
    • The insured mother may buy more than one policy, but the cover for death, total and permanent disability and dread disease for all policies, whichever is highest, must not be more than $150,000.
    This benefit can be transferred to the father or legal guardian of the insured child, to take up the new policy for the insured child.

This is for general information only. You can find the usual terms and conditions of this plan at www.income.com.sg/maternity-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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