| Event | Coverage before the anniversary immediately after the insured reaches age of 75 or age 80 | |||||
|---|---|---|---|---|---|---|
| Diagnosis of specified dread disease [4] | Higher of the rider’s sum assured plus pro-rated bonuses[1] of the basic policy
or Minimum Protection Value[2][3]
|
|||||
| Coverage on or after the anniversary immediately after the insured reaches the age of 75 or age of 80 | ||||||
| Rider's sum assured plus pro-rated bonuses[1] of the basic policy |
Major Impact Benefit [5] provides coverage in the event that you undergo a surgery or suffer from an infection and you are required to stay in an intensive care unit (ICU) for a total of 5 days or more in one hospital admission.
| Event | Coverage before the anniversary immediately after the insured reaches age of 75 or age of 80 |
|---|---|
|
Higher of 20% of the rider's sum assured plus pro-rated bonuses[1] of the basic policy
or 20% of the rider's minimum protection value[2][3] |
| Coverage on or after the anniversary immediately after the insured reaches the age of 75 or age of 80 | |
| 50% the rider's sum assured plus pro-rated bonuses[1] of the basic policy |
Please refer to 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.
- Star Secure Pro includes a non-participating compulsory rider, Star Secure Pro – Protection Benefit. This rider pays accidental death benefit, Retrenchment Benefit, Family Waiver Benefit, and part of the minimum protection value. Please refer to the policy conditions for further details.
- Minimum protection value means a percentage of the sum assured shown in the policy schedule. The minimum protection value is applicable before the anniversary immediately after the insured reaches the age of 75 or age of 80. The applicable age will be based on the option selected by you as shown in the policy schedule. You cannot change the minimum protection value and its applicable age which you chose at the start of the policy.
- Any payment under this rider will form an accelerated payment, and reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders by the same amount that we pay under this rider. We will not pay the dread disease benefit if the insured is diagnosed with the disease within 90 days from the cover start date for major cancer, heart attack of specified severity, coronary artery by-pass surgery, angioplasty and other invasive treatment for coronary artery or other serious coronary artery disease. For angioplasty and other invasive treatment for coronary artery we will pay higher of 10% of this rider’s sum assured and corresponding pro-rated bonuses of the basic policy or 10% of the rider’s minimum protection value (when MPV applies), subject to a S$25,000 (not including bonus). Please refer to the policy conditions for further details.
- 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). The surgery or infection and the stay in the ICU must be directly due to the same cause and confirmed as necessary medical treatment. This benefit is not payable if your claim arise from the insured suffering symptoms of, had investigations for, or was diagnosed with illness any time before or within 90 days from the cover start date (except for accident). Claim under the Major Impact Benefit will reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders of its basic policy by the same amount that we pay under this rider. This benefit can only be claimed once. 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 contract will be issued when your application is accepted.
Important Notes
This page is for general information only. You can find the usual terms, conditions and exclusions of this plan in the policy conditions for Star Secure Pro. 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 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).
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information is correct as at 29 August 2023.
