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Features & Benefits

Guaranteed Cash Benefits Sum Assured and Bonuses Hospital Benefit Optional Riders
Guaranteed Cash Benefits
Sum Assured and Bonuses
Hospital Benefit
Optional Riders

Underwritten By NTUC Income

NTUC Income's network of advisers and partners provide life, health and general insurance to serve the protection, savings and investments needs of two million customers across all segments of society.

Terms & Conditions

1 You will start to receive the guaranteed cash benefit at specific policy anniversaries after the insured reaches certain milestone ages and only if premiums have been paid for at least one year. You will continue to receive subsequent cash benefits during the policy term and a maturity benefit at the end of the policy term if the insured is still alive and the policy has not ended.

 

2 Interest rate of 3.25% p.a. is not guaranteed. Prevailing interest rate at the point of deposit will be determined by NTUC Income.

 

3 The hospital benefit only applies if the insured is hospitalised in a restructured or private hospital licensed in Singapore and can only be claimed once for each of these 3 conditions: hand-foot-mouth disease, food poisoning and dengue. The insured must have stayed in the hospital for at least 6 hours, unless (a) the hospital charges the insured for daily room and board; or (b) the surgery is a procedure listed in the Ministry of Health's table of surgical procedures.

 

4 This benefit will not be paid if the insured was diagnosed with the disease within 90 days from the rider issuance date, include or increase any benefit, or reinstate the rider (whichever is latest) for major cancers, heart attack of specified severity, coronary artery by-pass surgery, angioplasty and other several invasive treatment for coronary artery or other serious coronary artery disease.

 

5 Benefit will not be paid if the insured was diagnosed with the disease within 90 days from the issuance date, include or increase any benefit, or reinstate the rider (whichever is latest). The insured must survive for at least 30 days from the date of diagnosis. If you purchased this plan for your loved ones (3rd party policy) and you would like to include Early Cancer Waiver rider, you will have to include an Enhanced Payor Premium Waiver rider and Dread Disease Premium Waiver rider too. Enahnced Payor Premium Waiver rider waives the future premiums for the policy of your loved ones (3rd party policy) upon your diagnosis of specified dread diseases stated in your policy contract4.

Important Notes & Disclaimer

This information is intended for general circulation and does not take into account the specific investment objectives, financial situation or needs of any particular person. Advice should be sought from a financial adviser regarding the suitability of the investment product, taking into account the specific investment objectives, financial situation or particular needs of any person in receipt of the recommendation, before the person makes a commitment to purchase the investment product. Any misstatement or non-disclosure of material facts may affect the validity of the policy. In the event that the person chooses not to seek advice from a financial adviser, he/she should consider whether the product in question is suitable for him/her.

 

This information is not a contract of insurance. The precise terms, conditions and exclusions of this plan are specified in the Policy Contract. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.

 

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 the insurer or visit the GIA/LIA or SDIC website (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

 

This product is underwritten by NTUC Income and distributed by CIMB Bank.

 

This advertisement has not been reviewed by the Monetary Authority of Singapore.

 

Information is correct as at 8 Feb 2019.