The Dread Disease Benefit[1][2] lets you secure yourself against up to 120 dread diseases across early, intermediate and advanced stages.
| Event | Coverage |
|---|---|
| Diagnosis of specified 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 |
The Advanced Restoration Benefit[2][6] provides extra protection for major cancer, heart attack of specified severity and stroke with permanent neurological deficit, even after an early or intermediate stage dread disease claim is made.
| Event | Coverage |
|---|---|
|
Before the anniversary immediately after the insured reaches the age of 65, 75 or 80 (whichever is applicable) |
| 50% of the rider’s Multiplier Cover[4][5] (depending on the selected Multiplier Cover) |
|
| On or after the anniversary immediately after the insured reaches the age of 65, 75 or 80 (whichever is applicable) |
|
| 50% of the rider's sum assured |
The Mental Benefit[7] provides a payout of 30% of the rider’s sum assured. It covers you against 5 mental health conditions: major depressive disorder of specified severity, severe obsessive compulsive disorder, schizophrenia, bipolar disorder before age 75, and severe Tourette’s disorder before age 21.
The Special Benefit[7] covers special conditions such as diabetic complications, benign tumour and borderline malignant tumour. Get up to 30% of the rider’s sum assured upon diagnosis of any of the 17 covered conditions before the age of 85.
For insured persons under 18 years old, the Juvenile Benefit[8] protects against 17 conditions, including Kawasaki disease, insulin dependent diabetes mellitus, autism of specified severity, and more, with 20% of the rider’s sum assured.
With our Guaranteed Post-Early DD Cover Option[9], you can choose to purchase a specified new term plan to get coverage for death and terminal illness without us having to assess the insured’s health upon diagnosis of early, intermediate or advanced stage dread disease covered under the Dread Disease Benefit.
For a complete list of conditions covered, please refer to the policy conditions.
- Any payment made for Dread Disease Benefit 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.
For policies issued by us that include early and/or intermediate dread disease of the same dread disease, we will pay no more than $350,000 for the same dread disease for each insured (no matter how many policies we have issued to cover each insured).
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.
- You can only make a claim under the Advanced Restoration Benefit if you have previously succeeded in claiming the Dread Disease Benefit for an early or intermediate stage dread disease and if your basic policy has not ended. We will only pay for this benefit once and this rider will end. Any amount we pay under Advanced Restoration Benefit will reduce the Dread Disease Per Life Limit. Please refer to the policy conditions for further details.
- For policies issued by us that include Special Benefit or Special and Mental Benefit, we will pay no more than the maximum claim limit for the same condition or procedure for each insured, no matter how many of such policies we have issued to cover the same insured.
At most, we will pay the Special Benefit five times, as long as each claim is not for the same Special Benefit as any of the earlier claims.
At most, we will pay the Mental Benefit three times, as long as each claim is not for the same Mental Benefit as any of the earlier claims. In addition, for each claim under the Mental Benefit as listed in the policy conditions, the diagnosis of the conditions must be at least 3 years apart.
Please refer to the policy conditions for further details. - For policies we have issued that have the Juvenile Benefit, we will pay no more than $30,000 for each insured (no matter how many policies we have issued to cover each insured) for each Juvenile Benefit. At most, we will pay this benefit five times as long as each claim is not for the same Juvenile Benefit as any of the earlier claims.
- Upon diagnosis of the insured with early, intermediate or advanced stage dread disease covered under Dread Disease Benefit, a new term policy covering the insured may be taken up with only death and terminal illness benefits, without us having to assess the insured’s health. Total and permanent disability will not be covered by the new term policy. The new term policy will include a waiting period of 2 years, within which we will not pay any claims. If an event giving rise to a claim occurs during the 2-year waiting period, we will not pay any claim under the new term policy, the new term policy will end and we will refund 100% of the premiums paid for the new term policy. We reserve the right to decide the type of new term policy to be offered and the insured must meet all the conditions to take up this option as listed in the policy conditions. 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.
