Enhance your protection for advanced stage dread diseases, covering 54 conditions with the Dread Disease Benefit[1][2].
| Event | Coverage |
|---|---|
| Diagnosis of specified advanced stage dread disease[1][2] | Before the anniversary immediately after the insured reaches the age of 65, 75 or 80 (whichever is applicable) |
| 100% of the rider's sum assured plus pro-rated bonuses[3] of the basic policy or Multiplier Cover[4][5] of 100%, 200%, 300%, 400% or 500% of the rider's sum assured (depending on the selected Multiplier Cover); whichever is higher |
|
| On or after the anniversary immediately after the insured reaches the age of 65, 75 or 80 (whichever is applicable) |
|
| 100% of the rider's sum assured plus pro-rated bonuses[3] of the basic policy |
With the Major Impact Benefit[1][6], you can be assured you’re covered in the event you are required to stay in an ICU for 4 days or more in one hospital admission before the anniversary immediately after you reach age 85.
| Event | Coverage |
|---|---|
| Require a stay of 4 days or more in an ICU | Before the anniversary immediately after the insured reaches the age of 65, 75 or 80 (whichever is applicable) |
| 20% of the rider's sum assured plus pro-rated bonuses[3] of the basic policy or 20% of the rider's Multiplier Cover[4][5] (depending on the selected Multiplier Cover); whichever is higher |
|
| On or after the anniversary immediately after the insured reaches the age of 65, 75 or 80 (whichever is applicable) |
|
| 20% of the rider's sum assured plus pro-rated bonuses[3] of the basic policy |
For a complete list of conditions covered, please refer to the policy conditions.
- Any payment under this rider will form an accelerated payment, and reduce the sum assured and any bonuses of this rider and its basic policy by the same amount that we pay under this rider. Please refer to the policy conditions for further details.
- The total benefits (in relation to any dread disease benefits or equivalent benefits) under all policies, whether issued and paid by us or any other insurer, cannot be more than $3.6 million (including premiums waived due to dread disease but excluding bonuses) (“Dread Disease Per Life Limit”). Please refer to the policy conditions for further details.
- Bonus rates are not guaranteed, and the benefits payable will vary according to the future performance of the Life Participating Fund.
- Multiplier cover means a percentage of the sum assured shown in the policy schedule. The Multiplier Cover is applicable before the anniversary immediately after the insured reaches the age of 65, 75 or 80 (whichever is applicable).
- Complete Life Secure includes a non-participating regular premium compulsory rider, Complete Life Secure – Protection Benefit. It pays the Retrenchment Benefit and part of the Multiplier Cover. Please refer to the policy conditions for further details.
- The stay in ICU must be confirmed as necessary medical treatment. You can only claim the Major Impact Benefit once under this rider. For policies we have issued that have Major Impact Benefit, we will pay no more than $100,000 (not including bonuses) for each insured (no matter how many policies we have issued to cover each insured). 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 conditions for the precise terms, conditions and exclusions of the plan. The policy conditions will be issued when your application is accepted.
Important Notes
This page is for general information only and does not constitute an offer, recommendation, solicitation or advice to buy or sell any product(s). You can find the usual terms, conditions and exclusions 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 advisor. 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 may be zero or 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 Insurance or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information is correct as at 21 January 2025.
