VivoCare 100

VivoCare 100

Comprehensive coverage against more than 100 medical conditions including early, intermediate and advanced stage dread diseases.

What it covers

Early stage dread diseases [1]

We pay 50% of the remaining basic sum assured [2], capped at $75,000 per insured, upon diagnosis of an early stage dread disease [1]. This claim payment will not reduce the remaining basic sum assured and bonuses.

Intermediate stage dread diseases [1]

We pay 100% of the remaining basic sum assured [2], capped at $150,000 per insured, upon diagnosis of an intermediate stage dread disease [1]. We will also pay pro-rated bonuses [3].

Advanced stage dread diseases [1]

We pay 100% of the remaining basic sum assured [2] upon diagnosis of an advanced stage dread disease [1] of the insured. We will also pay the remaining bonuses [3].

Juvenile benefit

We pay 30% of the remaining basic sum assured [2] upon diagnosis of any of the 10 medical conditions covered under juvenile benefit [4] before age 18, up to a maximum of $30,000 per insured.

Special benefit

We pay 20% of the remaining basic sum assured [2] upon diagnosis of any of the 10 medical conditions covered under special benefit [5] before age 85, up to a maximum of $30,000 per insured.

View the special and juvenile benefits

Terminal illness and death

We pay 100% of the remaining basic sum assured [2] and remaining bonuses [3] in the event of terminal illness or death of the insured.

However if terminal illness or death happens before age 65, we pay 100% of the remaining basic sum assured [2] and remaining bonuses [3] or 300% of the remaining basic sum assured [2], whichever is higher.

Total and permanent disability before age 70

We pay 100% of the remaining basic sum assured [2] and remaining bonuses [3] in the event of total and permanent disability before age 70 of the insured.

Features

You can choose your desired premium payment term of 15, 20 or 25 years or up to age 64 or 84 (last birthday).

This policy will share in the profits and losses of the Life Participating Fund. [3]

Enjoy a wide range of exclusive treats which are specially curated for you.

Find out more.

Enhance your coverage

VivoCare 100 - Waiver Basic
We waive future premium payments of the basic plan if the policyholder is diagnosed with an early or intermediate stage dread disease [1] during the term of the rider. This rider is applicable only if the insured and the policyholder are the same person.
VivoCare 100 - Waiver Plus
We waive future premium payments of the basic plan in the event of death, terminal illness, total and permanent disability (TPD before age 65), or diagnosis of early, intermediate or advanced stage dread disease [1] of the policyholder during the term of the rider. This rider is applicable only if the insured is not the policyholder.
Payor Premium Waiver
We waive future premium payments of the basic plan in the event of death or total and permanent disability (TPD before age 70) of the policyholder during the term of the rider. This rider is applicable only if the insured is not the policyholder.

Before you apply

Premium payment term Minimum entry age (last birthday) Maximum entry age (last birthday)
15 0 64
20 0 64
25 0 59
Up to age 64 (last birthday) 0 49
Up to age 84 (last birthday) 0 64

The coverage provided by VivoCare 100 – Protection Benefit is up to age 65 (last birthday). Hence, the premium payable is the same as the premium payment term of VivoCare 100 – Basic or up to age 65 (last birthday), whichever is earlier.

You can make your premium payments monthly, quarterly, half-yearly, or yearly.

Important Notes

Footnotes

 
  1. We will not pay this benefit if the insured suffered symptoms of, was investigated for, or was diagnosed with the disease any time before or within 90 days from the date of policy issue, inclusion or increase of any benefit, or policy reinstatement (whichever is latest) for all stages of major cancers, heart attack of specified severity, other serious coronary artery disease and coronary artery by-pass surgery. We will only pay for the higher staged claim if the diagnosis date of each stage is within six months for any early and advanced stage diagnoses of the same dread disease; or early and intermediate stage diagnoses of the same dread disease.

    Medical conditions under early stage dread disease
    Total benefit payable for all early stage dread disease claim is up to 50% of the remaining basic sum assured. For each claim, up to 50% of remaining basic sum assured capped at $75,000 is payable. Each claim paid for an early stage dread disease will not reduce the remaining basic sum assured and bonuses. If we have paid an intermediate stage claim earlier, any subsequent claim for early stage dread disease benefit for the same dread disease is not payable.
    However, a claim admitted under early stage of coronary artery by-pass surgery will terminate all benefits under early stage of other serious coronary artery disease. Similarly, a claim admitted under early stage of other serious coronary artery disease will terminate all benefits under early stage of coronary artery by-pass surgery.
    The insured must survive for at least seven days from the date of diagnosis, or after having the medical procedure, before we pay this benefit. If the insured does not survive seven days after diagnosis of the early stage dread disease or after having the medical procedure, the claim made will be treated as an advance payment for the death benefit.

    Medical conditions under intermediate stage dread disease
    The benefit for each intermediate dread disease claim is 100% of the remaining basic sum assured (capped at $150,000) and pro-rated bonuses. Each claim paid for an intermediate stage dread disease will reduce the remaining basic sum assured and bonuses. Subsequent premiums, claims and cash values will be paid based on the remaining basic sum assured and bonuses. The policy will end when the remaining basic sum assured becomes zero.

    Medical conditions under advanced stage dread disease
    If we have paid for an early or intermediate stage claim earlier, the benefit will be 100% of the remaining basic sum assured and remaining bonuses. Once we pay for an advanced stage dread disease, the policy will end immediately.

    Multiple claims arising under different dread diseases due to the same event
    If there are two or more claims made under different dread diseases, and the claims arise from the same event, we will only pay for one claim, which is the higher staged or highest staged claim. We will not pay for both (or all) claims.
  2. Remaining basic sum assured means the original sum assured less any payment made for intermediate dread disease.
  3. Bonus rates are not guaranteed and the benefits payable will vary according to the future performance of the Life Participating Fund.
  4. 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 from the date of policy issue, inclusion or increase of any benefit, or policy reinstatement (whichever is latest). The insured must survive for at least seven days from the date of diagnosis, or after having the medical procedure, before we pay this benefit. A maximum of five claims for five different medical conditions are allowed. For each of the medical condition, the benefit will be 30% of the remaining basic sum assured, capped at $30,000 for each insured. Coverage is provided before the insured reaches age 18.
    We will not pay for any congenital defect or disease which has shown its signs or was diagnosed before the insured reaches the age of six for the juvenile benefit, unless the claim is for osteogenesis imperfect, severe haemophilia, or Type 1 juvenile spinal amyotrophy.
  5. 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 from the date of policy issue, inclusion or increase of any benefit, or policy reinstatement (whichever is latest). The insured must survive for at least seven days from the date of diagnosis, or after having the medical procedure, before we pay this benefit. A maximum of five claims for five different medical conditions are allowed. For each of the medical condition, the benefit will be 20% of the remaining basic sum assured, capped at $30,000 for each insured. Coverage is provided before the insured reaches age 85.

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. Buying a life insurance plan is a long-term commitment on your part. If you cancel your plan prematurely, the cash value you receive can be substantially less than the premiums you have paid for the plan.
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 18 April 2017

Frequently asked questions

How to apply

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

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