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.
