SilverCare Senior Personal Accident Insurance

We have enhanced the benefits for SilverCare Insurance with the following: 

✨ [NEW] Coverage against 25 infectious diseases such as Shingles, MPox, Dengue fever and more. 

✨ [NEW] Option to choose Platinum Plan for higher coverage.   

✨ [NEW] Up to $300^ per week of stay in community hospital (up to 4 weeks in each policy year) when you are directly discharged or transferred from a hospital for recuperation due to an accident or covered infectious disease.   

✨ Increased claimable limit for outpatient medical expenses due to an accident or covered infectious disease.  

✨ Increased claimable limit for hospitalisation expenses due to an accident or covered infectious disease.

^Based on Platinum Plan 

Please refer to the policy conditions for full coverage details and exclusions. 

Personal accident insurance for seniors.

Renewable for life[2] with entry age from 50 to 75 and no medical check-up is required.
Coverage against 25 infectious diseases[3] such as Shingles, MPox, Dengue fever and more.
Up to $12,000[4] hospitalisation expenses coverage due to an accident or covered infectious disease and up to $150[5] per day during your hospital stay so you can focus on recovering instead of worrying about hefty medical bills.

Additional personal accident benefits for seniors.

Outpatient expenses coverage of up to $2,500[4] due to an accident or covered infectious disease.
Extra medical expenses coverage of up to $5,000[4] for burns, broken bones and fractures.
Up to $300[6] per week of stay in community hospital when you are directly discharged or transferred from a hospital for recuperation due to an accident or covered infectious disease.
Payout of up to $100,000[7] for accidental permanent disability and if death occurs due to an accident or covered infectious disease, an amount of up to $30,000[4] will be paid to aid the final expenses.
Coverage for recovery care in the event of an accident or covered infectious disease such as home-care services and rehabilitation. If you suffer a serious permanent disability[8], receive coverage for home modification expenses, home cleaning services, and caregiver training expenses[9].

Choose from three plan types to best suit your needs.

Entry Age	Yearly premium
Entry Age	Superior Plan	Prestige Plan	Platinum Plan
Age 50 to 75 years old	$258.88	$411.86	$573.10
Age 76 years old and above (For renewal only. The last entry age is 75.)	$422.38	$646.49	$877.80

Entry Age	Monthly premium
Entry Age	Superior Plan	Prestige Plan	Platinum Plan
Age 50 to 75 years old	$23.73	$37.76	$52.54
Age 76 years old and above (For renewal only. The last entry age is 75.)	$38.72	$59.26	$80.46

Premium rates are inclusive of 9% GST, non-guaranteed and may be reviewed from time to time.

Your coverage at a glance.

Key benefits¹⁰	Coverage amount under Platinum Plan (Maximum benefits)
Permanent disability (in each policy year)	$100,000
Hospitalisation expenses due to accident (for each accident)	$12,000
Outpatient expenses due to accident (in each policy year)	$2,500
Extra medical expenses for burns, broken bones and fractures (for each policy year)	$5,000
Rehabilitation and physiotherapy (up to $100 per visit in each policy year)	$1,500

For a more detailed look at what you are covered for, you may view the coverage table here.

Your policy toolkit.

Eligibility and payment frequency

Both you and your parent(s) must be holding valid Singapore identification documents (NRIC, Employment pass, work permit or Long Term Visit pass)
Your parent(s), the insured, must be living or working in Singapore, or living outside Singapore for no more than 180 days at any one time
Your parent(s), the insured, must be between 50 and 75 years of age

You can pay your premiums either on a monthly or yearly basis.

Brochures

SilverCare Brochure (English)

SIlverCare Brochure (Chinese)

Policy conditions

Policy information

Your queries answered.

What is payable under final expenses?

We will pay a lump sum amount for funeral arrangements in the event the insured person dies within 12 months from the date of the accident or covered infectious disease.

Can I claim for outpatient expenses incurred due to a sickness?

No, you can only claim outpatient medical expenses for injury resulting from accidents or covered infectious disease.

Does this policy cover treatment at a Chinese medicine practitioner, in the event of an accident?

Yes, this policy will cover the expenses for treatment by a Chinese medicine practitioner or chiropractor within 12 months from the date of accident or covered infectious disease. However, we will only pay up to $50 per visit and up to the limits shown in the schedule.

Does this policy cover me for day surgery due to an accident or covered infectious disease?

Yes, this policy will cover you for day surgery due to an accident or covered infectious disease under section 4 – Hospitalisation expenses due to accident or covered infectious disease.

Does this policy cover me for post hospitalisation medical expenses?

Yes, this policy will cover for post hospitalisation medical expenses that are incurred due to a direct condition for your hospitalisation due to an accident or covered infectious disease. We will only pay up to a maximum of 30 days from the date of discharge from the hospital.

Does this policy cover me for hairline fractures?

Yes, this policy will cover for all kinds of fractures except pathologic fracture. A pathologic fracture is a broken bone caused by disease such as cancer or infection that leads to weakness of the bone.

Does the policy cover transportation cost to a hospital due to an accident or covered infectious disease?

This policy will only cover the ambulance charges for transportation to a hospital due to an accident or covered infectious disease. It does not cover any other types of transportation costs.

Does the policy cover the buying or renting of mobility aids without doctor’s prescription?

No, we will only pay if the mobility aids are necessary for your mobility and are prescribed by a medical practitioner.

Does this policy cover the expenses incurred for nursing home services after an accident or covered infectious disease?

Yes, but only if you have been rejected admission to a senior day care or home care service provider in Singapore.

If I suffer a fracture due to an accident or covered infectious disease, can I modify my home to facilitate movement?

You can only claim for home modification if you suffer 50% or more permanent disability under our table of compensation. We will only pay the reasonable cost of modifying your home to facilitate your movement and it must be completed within six months from the date of permanent disability.

If I have a domestic helper at home and do not need to engage home cleaning services to clean my home, can the policy pay me under Section 14 – Home cleaning services?

No, this policy will only pay you if you need to engage cleaning services from a Singapore registered and licensed home cleaning service company to clean your home, provided you suffer 50% or more permanent disability. If you do not require such services, this benefit will not be payable.

Can my caregiver get training from any other provider besides NTUC Health Co-operative Limited (NTUC Health)?

No, this benefit is only payable if your caregiver attends the caregiver training conducted by our appointed provider – NTUC Health

How does the lifetime limit apply to my policy?

The lifetime limit will apply to your policy for all claims made payable under section 1 to 19 of this policy. It will accumulate the claims made from the start date of the first policy you are insured under. The policy will end once the lifetime limit has been reached or when the policy has been cancelled or when we have fully paid the benefits under section 1 – Final expenses and section 2 – Permanent disability.

Does this policy cover food poisoning?

Yes, this policy will cover you if you suffer or die from accidental food poisoning.

Does this policy cover pillion riding on a motorcycle?

Yes, this policy will cover a pillion rider on a motorcycle. However, if you are the rider of the motorcycle, this policy does not cover you.

Does this policy cover me while I am overseas?

Yes, this policy covers you while you are overseas for up to 180 days.

Does this policy cover me whilst I am participating in hazardous activities and sports?

No, this policy does not cover you whilst you are taking part in hazardous activities and sports.

Does the policy cover for visits to a Chinese medicine practitioner, in the event of an accident or covered infectious disease?

Yes, you can claim for the expenses for treatment by a Chinese medicine practitioner or chiropractor within 12 months from the date of accident or covered infectious disease. However, we will only pay up to $50 per visit and up to the limits shown in the schedule.

Print all queries

Important notes

Footnotes

^1,000 STAR$® = $1 eCapitaVouchers. Valid only for Prestige and Platinum plans. Promotion terms and conditions apply. Please refer to the full promotion terms and conditions at income.com.sg/silvercare-promo.

This premium rate is rounded to the nearest ten-cents and is applicable to insured aged 50 to 75 under Superior Plan who pays on a yearly basis.
The policy will be renewed as long as:
- the eligibility requirements are met;
- claims have not reached the lifetime limit allowed for the respective plans; and
- the full sum insured under the final expenses or permanent disability benefits have not been claimed.
This plan does not cover infectious disease diagnosed within 14 days from the policy start date as well as any infectious disease which has been announced as:
(a) an epidemic by the health authority in Singapore or the Government of the Republic of Singapore; or
(b) a pandemic by the World Health Organisation (WHO), in the affected countries, from the date of such announcement until the epidemic or pandemic ends.
This benefit limit is applicable under Platinum Plan.
This plan pays up to $150 for each complete 24-hour period of hospitalisation stay under Platinum Plan, up to a maximum of 60 days for each accident.
This plan pays up to $300 per week of stay in community hospital under Platinum Plan, up to 4 weeks in each policy year.
This permanent disability benefit limit is applicable under Platinum Plan. This benefit is subject to the scale of compensation as shown in the Policy Contract.
Serious permanent disability means if you suffer 50% or more permanent disability (as shown in the scale of compensation for permanent disability benefit).
This plan will pay for the reasonable cost for the training of one caregiver and the training will be conducted by our appointed provider.
This plan will pay you these benefits in the event of an accident or covered infectious diseases.

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 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 at 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. If you find that this plan is not suitable after purchasing it, you may terminate it within the free-look period, and obtain a refund of premiums paid. We may recover from you any expense incurred in underwriting this 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 GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Information is correct as at 14 February 2025.