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How Complete Critical Protect provides support throughout your dread disease journey
30 years old
John, a non-smoker, signs up for Complete Critical Protect. He chooses Protect Max with a sum assured of $100,000 and a policy term of up to age 64. He pays a monthly premium of $117.
35 years old
John suffers an impairment in the heart, and he receives $200,000 from Vital Function Benefit1,2.
John also exercised the Guaranteed Post-DD Cover Option3 and purchased the Star Term Protect plan with a policy term of up to age 74.
Sum assured: $100,000
Covers death and terminal illness.64 years old
John’s policy has ended, and he remains covered by his Star Term Protect plan.
Total payout from Complete Critical Protect: $720,000
The above figures are for illustrative purposes only and are rounded to the nearest dollar.Terms & conditions
1If the policyholder has chosen Protect Max, the total Income Insurance will pay under the following benefits:
- Dread Disease Benefit;
- Recurrent Benefit; and
- Vital Function Benefit,
are aggregated and will not be more than 1000% of the sum assured, less any amount the policyholder owes Income Insurance.
If the insured is also covered by Dread Disease Benefit, Recurrent Benefit and Vital Function Benefit (or equivalent benefits) under any policies which have been issued and paid (whether issued and paid by Income Insurance or by any other insurer), the total of these benefits under all these policies cannot be more than $3.6 million (including premiums waived due to dread disease but excluding bonuses). In this case, Income Insurance will first take into account the amounts due under the earlier policies and then pay out only an amount to bring the total payments to $3.6 million (including premiums waived due to dread disease but excluding bonuses).
2Income Insurance will pay the Vital Function Benefit, less any amount the policyholder owes Income Insurance, subject to the following:
- Vital Function Benefit has not ceased at the time of any payment of the benefit;
- no claim has been approved for advanced stage dread disease;
- the insured survives at least 7 days after the date of diagnosis on a vital function covered under this benefit; and
- if more than one dread disease covered under the Dread Disease Benefit and/or recurrent condition and/or impairments of vital function are diagnosed on the same date, Income Insurance will only approve one claim with the highest possible benefit payout regardless of the number of dread diseases and/or recurrent condition and/or impairments of the vital functions that are diagnosed.
If the policyholder has chosen Protect 100, Income Insurance will pay the Vital Function Benefit less claim paid for early stage and/or intermediate stage dread disease under Dread Disease Benefit. This benefit will end once:
- a claim has been paid out under this benefit; or
- the total amount Income Insurance has paid under Dread Disease Benefit and Vital Function Benefit reaches 100% of the sum assured,
whichever is earlier.
If the policyholder has chosen Protect Max, Income Insurance will pay the Vital Function Benefit less claim paid for early stage and/or intermediate stage dread disease of the corresponding dread disease under Dread Disease Benefit. This benefit will end once:
- a claim has been paid out under this benefit; or
- the total amount Income Insurance has paid under Dread Disease Benefit, Recurrent Benefit and Vital Function Benefit reaches 1000% of the sum assured,
whichever is earlier.
Income Insurance will not pay this benefit:
- If your claim arises within 12 months from the:
- date of diagnosis of early and/or intermediate stage dread disease of the latest claim approved under early and/or intermediate stage dread disease outside of the corresponding dread disease; or
- date of surgery performed under early and/or intermediate stage dread disease of the latest claim approved under early and/or intermediate stage dread disease outside of the corresponding dread disease,
- if the insured is diagnosed with any impairment of a vital function covered under this benefit any time before or within 90 days from the cover start date.
whichever is later; or
The policy will continue even if this benefit ends.
3Upon diagnosis of the insured with an advanced stage dread disease covered under Dread Disease Benefit or an impairment covered under Vital Function Benefit, a new term policy covering the insured may be taken up with only death and terminal illness benefits, without Income Insurance having to assess the insured’s health. Total and permanent disability will not be covered by the new term policy. The waiting period for the new term policy is 2 years. If the event giving rise to a claim occurs during the 2 years waiting period, Income Insurance will refund 100% of the premiums paid for the new term policy. The new term policy does not allow any reinstatement.
The sum assured for the new term policy will be limited to:
- 100% of the original sum assured for this policy; or
- $200,000 per life aggregating policies issued under the Guaranteed Post-DD Cover Option,
whichever is lower.
Income Insurance will decide the type of new term policy to be offered, and the insured must meet all the following conditions to take up this option:
- this option must be exercised within 6 months from the claim approval date or diagnosis date, whichever is later, of the advanced stage dread disease covered under Dread Disease Benefit or impairment covered under Vital Function Benefit;
- the insured must not have terminal illness at the time of taking up this option;
- the insured must be 60 years old last birthday or under at the time of taking up this option; and
- the relevant documents must be provided to support the diagnosis of advanced stage dread disease covered under Dread Disease Benefit or impairment covered under Vital Function Benefit.
4If the policyholder has chosen Protect 100, Income Insurance will pay the early and/or intermediate stage dread disease under the Dread Disease Benefit, subject to the following:
- Dread Disease Benefit has not ceased at the time of any payment of the benefit;
- the insured survives at least 7 days after the date of diagnosis or date of surgery performed for a dread disease covered under this benefit, whichever is later;
- maximum of 1 claim for either the early stage dread disease or intermediate stage dread disease may be approved;
- Vital Function Benefit of the corresponding dread disease, which the same early and/or intermediate stage dread disease belongs to has not been claimed;
- if more than one dread disease covered under the Dread Disease Benefit and/or impairments of the vital functions are diagnosed on the same date, Income Insurance will only approve one claim with the highest possible benefit payout regardless of the number of dread diseases and/or impairments of the vital functions that are diagnosed; and
- the amount Income Insurance will pay for the early and/or intermediate stage dread disease of the same dread disease under this benefit will not be more than a total of $350,000 for each insured, including all policies Income Insurance has issued and paid for the same insured.
If the policyholder has chosen Protect 100, Income Insurance will pay the advanced stage dread disease under the Dread Disease Benefit, subject to the following:
- Dread Disease Benefit has not ceased at the time of any payment of the benefit;
- the insured survives at least 7 days after the date of diagnosis or date of surgery performed for a dread disease covered under this benefit, whichever is later;
- maximum of 1 claim for the advanced stage dread disease may be approved; and
- if more than one dread disease covered under the Dread Disease Benefit and/or impairments of the vital functions are diagnosed on the same date, Income Insurance will only approve one claim with the highest possible benefit payout regardless of the number of dread diseases and/or impairments of the vital functions that are diagnosed.
If the policyholder has chosen Protect 100, the Dread Disease Benefit will end once the total amount Income Insurance has paid under Dread Disease Benefit and Vital Function Benefit reaches 100% of the sum assured.
If the policyholder has chosen Protect 100, Income Insurance will not pay this benefit:
- if the insured suffered symptoms of, was investigated for, or was diagnosed with an early and/or intermediate stage dread disease under major cancer, heart attack of specified severity, other serious coronary artery disease, or coronary artery by-pass surgery any time before or within 90 days from the cover start date, whichever is earliest; or
- if the insured was diagnosed with an advanced stage dread disease under major cancer, heart attack of specified severity, coronary artery by-pass surgery or other serious coronary artery disease within 90 days from the cover start date, whichever is earliest.
For coronary artery by-pass surgery, the date of diagnosis will be the date the medical condition that leads to the surgery is diagnosed, and not the date of the surgery.
If the policyholder has chosen Protect Max, Income Insurance will pay the early and/or intermediate stage dread disease under the Dread Disease Benefit, subject to the following:
- Dread Disease Benefit has not ceased at the time of any payment of the benefit;
- the insured survives at least 7 days after the date of diagnosis or date of surgery performed for a dread disease covered under this benefit, whichever is later;
- no claim has been approved for advanced stage of the same dread disease;
- maximum of 1 claim for either the early stage dread disease or intermediate stage dread disease of the same dread disease may be approved;
- maximum of 6 claims for the early stage and/or intermediate stage dread disease may be approved;
- Vital Function Benefit of the corresponding dread disease, which the same early and/or intermediate stage dread disease belongs to has not been claimed;
- if more than one dread disease covered under the Dread Disease Benefit and/or recurrent condition and/or impairments of vital function are diagnosed on the same date, Income Insurance will only approve one claim with the highest possible benefit payout regardless of the number of dread diseases and/or recurrent condition and/or impairments of the vital functions that are diagnosed;
- the amount Income Insurance will pay for the early and/or intermediate stage dread disease of the same dread disease under this benefit will not be more than a total of $350,000 for each insured, including all policies Income Insurance has issued and paid for the same insured; and
- the amount Income Insurance will pay for the early and/or intermediate stage dread disease under this benefit will not be more than a total of $1.05 million for each insured, including all policies Income Insurance has issued and paid for the same insured.
If the policyholder has chosen Protect Max, Income Insurance will pay the advanced stage dread disease under the Dread Disease Benefit, subject to the following:
- Dread Disease Benefit has not ceased at the time of any payment of the benefit;
- the insured survives at least 7 days after the date of diagnosis or date of surgery performed for a dread disease covered under this benefit, whichever is later;
- only 1 claim is allowed for the advanced stage of each dread disease;
- if more than one dread disease covered under the Dread Disease Benefit and/or recurrent condition and/or impairments of vital function are diagnosed on the same date, Income Insurance will only approve one claim with the highest possible benefit payout regardless of the number of dread diseases and/or recurrent condition and/or impairments of the vital functions that are diagnosed; and
- for terminal illness (advanced stage) and loss of independent existence (advanced stage), the amount payable will be determined after deducting any claims paid under the Dread Disease Benefit and Vital Function Benefit. If the total claims paid under the Dread Disease Benefit and Vital Function Benefit have reached 200% of the sum assured or more, no benefit will be payable for future claims under terminal illness (advanced stage) and loss of independent existence (advanced stage).
If the policyholder has chosen Protect Max, the Dread Disease Benefit will end once the total amount Income Insurance has paid under Dread Disease Benefit, Recurrent Benefit and Vital Function Benefit reaches 1000% of the sum assured.
If the policyholder has chosen Protect Max, Income Insurance will not pay this benefit:
- if a claim arises from any early, intermediate or advanced stage dread disease which occurs within 12 months from the date of diagnosis or date of surgery performed, whichever is later, of the latest claim approved under the Dread Disease Benefit for another dread disease, Recurrent Benefit or Vital Function Benefit;
- if the insured suffered symptoms of, was investigated for, or was diagnosed with an early and/or intermediate stage dread disease under major cancer, heart attack of specified severity, other serious coronary artery disease, or coronary artery by-pass surgery any time before or within 90 days from the cover start date, whichever is earliest; or
- if the insured was diagnosed with an advanced stage dread disease under major cancer, heart attack of specified severity, coronary artery by-pass surgery or other serious coronary artery disease within 90 days from the cover start date, whichever is earliest.
For coronary artery by-pass surgery, the date of diagnosis will be the date the medical condition that leads to the surgery is diagnosed, and not the date of the surgery.
The policy will continue even if this benefit ends.
5If the policyholder has chosen Protect 100, Income Insurance will pay the advanced stage Dread Diseases Benefit less claim paid for early stage and/or intermediate stage dread disease and Vital Function Benefit.
If the policyholder has chosen Protect Max, Income Insurance will pay the advanced stage Dread Diseases Benefit less claim paid for early stage and/or intermediate stage dread disease of the same dread disease and Vital Function Benefit of the corresponding dread disease.
6At most, Income Insurance will pay the Therapy Support Benefit two times and only one payout for each therapy, less any amount the policyholder owes Income Insurance. The entire treatment for each therapy must be done in Singapore. Income Insurance will pay no more than $50,000 for each therapy listed (no matter how many policies Income Insurance has issued and paid to cover each insured). Income Insurance will not pay this benefit if the insured suffered symptoms of, was investigated for, or was diagnosed with any condition which requires therapy under this benefit any time before or within 90 days from the cover start date, whichever is earliest.
The policy will continue even if this benefit ends.
7The Recurrent Benefit is only applicable if the policyholder has chosen Protect Max. Income Insurance will pay the Recurrent Benefit, less any amount the policyholder owes Income Insurance, as long as the following conditions are met:
- Recurrent Benefit has not ceased at the time of any payment of the benefit;
- the insured survives at least 7 days after the date of diagnosis or date of surgery performed for a dread disease covered under this benefit, whichever is later;
- if more than one dread disease covered under the Dread Disease Benefit and/or recurrent condition and/or impairments of vital function are diagnosed on the same date, Income Insurance will only approve one claim with the highest possible benefit payout regardless of the number of dread diseases and/or recurrent condition and/or impairments of the vital functions that are diagnosed; and
- maximum of 3 claims may be approved under this benefit.
This benefit will end once:
- 300% of the sum assured has been fully paid out under this benefit; or
- the total amount Income Insurance has paid under Dread Disease Benefit, Recurrent Benefit and Vital Function Benefit reaches 1000% of the sum assured,
whichever is earlier.
Income Insurance will not pay this benefit:
- if your claim arises from any recurrent condition covered under this benefit occurring within 24 months from the date of diagnosis or date of surgery performed, whichever is later, of the latest claim approved under the Dread Disease Benefit, Recurrent Benefit or Vital Function Benefit; or
- if the insured was diagnosed with persistent major cancer, recurrent heart attack of specified severity or repeated coronary artery by-pass surgery within 90 days from the cover start date. For repeated coronary artery by-pass surgery, the date of diagnosis will be the date the medical condition that leads to the surgery is diagnosed, and not the date of the surgery.
The policy will continue even if this benefit ends.