The above figures are for illustrative purposes only and are rounded to the nearest dollar.
The illustrated surrender value above is not guaranteed and is based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% p.a
Should the long-term average return be 3.00% p.a., the illustrated surrender value at age 85 would
be $122,19211.
1Star 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.
2Minimum 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.
3Any 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.
4Any payment made for early and intermediate stage dread disease benefit 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 this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with the disease at any time before or within 90 days from the cover start date for major cancer, heart attack of specified severity, other serious coronary artery disease, or coronary artery by-pass surgery. Please refer to the policy conditions for further details. We will pay no more than $350,000 (not including bonuses) for each insured (no matter how many policies we have issued to cover each insured).
If you are successful in claiming the early and intermediate stage dread disease benefit, we will not pay future claims on Special and Mental Benefit, and Juvenile Benefit.
You will stop making premium payments on this rider. The rider will continue to apply for the Advanced Restoration Benefit and Special Therapy Benefit during this period even though you are not paying the premiums.
5You can only make a claim under the Advanced Restoration Benefit if you have previously succeeded in claiming the early
and intermediate stage dread disease benefit and if your basic policy has not ended.
We will not pay this benefit if the insured was diagnosed with the disease within 24 months after the date of diagnosis or surgical procedure, whichever applies, of any of the early or intermediate stage dread diseases. 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. Please refer to the policy conditions for further details.
6We will only pay this benefit if the insured is diagnosed with catastrophic cancer which require the insured to undergo cell, tissue and gene therapy. For policies we have issued that have Special Therapy Benefit, we will pay no more than S$50,000 (excluding bonuses) for each insured (no matter how many policies we have issued to cover each insured). 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 cover start date. We will only pay this benefit if the basic policy has not ended.
7
The family member means any of the following when you make a claim on the Family Waiver Benefit:
- your legal spouse if you are the insured;
- you if the insured is your legal spouse; or
- the insured’s legal or natural parents if the insured is a juvenile
The benefit will not apply if the family member becomes totally and permanently disabled, becomes terminally ill or dies from any condition of the family member that is diagnosed, treated, for which a registered medical practitioner was consulted or for which the existence or onset of signs or symptoms of any illness or disease were present, before or within 2 years from:
- the cover start date: or
- registration of marriage date,
whichever is later.
We will pay this benefit only if the family member is of age 64 years old or younger, as of his or her last birthday, at the time we issue the policy. Please refer to the policy conditions for further details.
8An event (including a future unknown disease) leading to a surgery or an infection, and requires a stay in ICU for 5 days or more in one hospital admission, which is claimable under the Major Impact Benefit, subject to policy’s terms, conditions and exclusions.
9
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.
10The figures in the illustration are not guaranteed and are illustrated based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% per annum in the future. Returns are illustrated based on estimated bonus rates that are not guaranteed. The actual benefit payable will vary according to the future performance of the Life Participating Fund.
11The figures in the illustration are not guaranteed and are illustrated based on the assumption that the Life Participating Fund earns a long-term average return of 3.00% per annum in the future. Returns are illustrated based on the estimated bonus rates that are not guaranteed. The actual benefit payable will vary according to the future performance of the Life Participating Fund.
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