Here’s how Silver Secure protects you.
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Receive a monthly benefit till age 100[1] when you are diagnosed with a senior disease. Receive a support benefit that is equal to six times your monthly benefit[2].
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You will not need to pay for future premium payments[3] upon diagnosis of a senior disease.
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Receive a special benefit that is equal to three times your monthly benefit, up to $6,000 when you are diagnosed with a health condition[4].
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Receive up to $10,000[5] in the event of death.
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Coverage may be provided[6] even if you have some existing conditions such as higher cholesterol and blood pressure levels.
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Access care benefits from our preferred healthcare providers to help you manage your conditions.
Take a closer look at your coverage.
List of senior diseases covered
- Blindness (Loss of sight)
- Kidney failure
- Major head trauma
- Paralysis (Loss of use of limbs)
- Intermediate stage Parkinson’s disease
- Intermediate stage Alzheimer’s disease or dementia
- Amyotrophic lateral sclerosis
- Severe chronic obstructive pulmonary disease (COPD)
Health conditions covered under special benefit
Group | Special Benefit |
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Movement |
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Sensory |
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Urinary disorders |
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Other disorders |
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Care benefits
Name of Provider | Care Benefits | Description of Care Benefit |
---|---|---|
Jaga-Me Home Nursing and Care Coordination Services |
5% off selected Jaga-Me Services | Jaga-Me provides you with home nursing care professionals from your very own
community. Our nurses are all locals, licensed by the Singapore Nursing Board, and have a minimum of 2
years of professional experience at a recognized local hospital. Receive 5% off Jaga-Me Nursing Respite Care, Skilled Home Nursing and Medical Escort services. |
One complimentary phone consultation session with Jaga-Me Care Coordinator | Pick up the phone to get a complimentary phone consultation with a Jaga-Me care coordinator today. | |
NTUC Health Care@Home Home Care Services |
10% off Home Care services | NTUC Health's Care@home initiative provides a comprehensive range of Home Care
services such as Home Personal Care, Home Therapy, Home Medical and Home Nursing. Whether you are in
need of a break from caring for your loved one, need additional help while caring for them or looking
for quality and affordable Home Therapy services, our team of medical professionals and trained
caregivers are ready to work with you. Receive 10% off when you engage our Home Care services. |
Tetsuyu Homecare Home care with a difference |
Transition Package (12 visits of up to 90mins per visit) |
Enjoy a package price of $1,320 now (U.P. $2,160)
|
Long Term Care Package (20 visits of up to 90mins per visit) |
Enjoy a package price of $1,960 now (U.P. $3,600)
|
The above list of preferred healthcare providers will be subject to change anytime.
The benefit will not be provided if the policy has ended.
Exclusive Treats for Income Policyholders
Let us walk you through Silver Secure.
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How Silver Secure cares for your well-being
45 years oldMr Tan is a non-smoker. He has high blood pressure that’s well-controlled with regular medication. He signs up for Silver Secure successfully with a chosen monthly benefit1 of $1,000 and pays a monthly premium of $109.20.
65 years oldMr Tan is diagnosed with osteoarthritis and requires surgery. He receives a special benefit2 of $3,000.
70 years oldMr Tan is diagnosed with intermediate stage dementia. He starts receiving his chosen monthly benefit1 of $1,000. He also receives a support benefit3 of $6,000. The remaining years of premiums are waived4.
85 years oldMr Tan passes away. His family receives the death benefit5 of $10,000.
The figures used are for illustrative purposes only.
1 If the insured is diagnosed with a specified senior disease, you will start to receive the chosen monthly benefit till age 100. This benefit can be claimed only once. The monthly benefit will end upon the insured’s death; or at the end of the contract term, whichever is the earliest. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with the illnesses or conditions at any time before the cover start date, or if the insured suffered symptoms of, had investigations for, or was diagnosed with Amyotrophic Lateral Sclerosis or Severe Chronic Obstructive Pulmonary Disease (COPD) at any time before or within 90 days after the cover start date. Cover start date refers to the date we issue the policy or the date we issue an endorsement to include or increase a benefit, or the date we reinstate the policy (whichever is the latest). The definitions for the specified senior diseases can be found in the policy contract.
2 If the insured is diagnosed with any of the conditions covered under special benefit, a lump sum amount which is equal to three times of the monthly benefit will be paid out under the special benefit. The lump sum amount is subject to a cap of S$6,000. It can only be claimed once. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 180 days after the cover start date.
3 If you succeed in claiming the senior disease benefit, a lump sum amount which is equal to six times of the monthly benefit will be paid out under the support benefit. The support benefit can only be claimed once. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with the illnesses or conditions at any time before the cover start date, or if the insured suffered symptoms of, had investigations for, or was diagnosed with Amyotrophic Lateral Sclerosis or Severe Chronic Obstructive Pulmonary Disease (COPD) at any time before or within 90 days after the cover start date.
4 If you succeed in claiming the senior disease benefit, we will waive premiums that are due from the date the insured is diagnosed with a specified senior disease, until the end of the policy. The policy will end upon the insured’s death; when all benefits under the policy had been paid; or at the end of the contract term, whichever is the earliest.
5 If the insured dies after one year from the cover start date, a death benefit of $10,000 will be paid out. If the insured dies within one year from the cover start date, the total premium paid, will be refunded from the cover start date. The policy will end after the death benefit is paid out.
Information is correct as of 28 October 2016.
© 2019 Income. All rights reserved.
Your policy toolkit. 18/5
Eligibility and payment frequency
- The entry age is from 40 to 74 years old (last birthday), with coverage to a maximum age of 100 (last birthday).
- You have to make premium payments throughout the policy term. You can make your payments monthly, quarterly, half-yearly, or yearly.
Policy conditions
Application forms
Your queries answered.
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Footnotes
- If the insured is diagnosed with a specified senior disease, you will start to receive the chosen monthly benefit till age 100. This benefit can be claimed only once. The monthly benefit will end upon the insured’s death; or at the end of the contract term, whichever is the earliest. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with the illnesses or conditions at any time before the cover start date, or if the insured suffered symptoms of, had investigations for, or was diagnosed with Amyotrophic Lateral Sclerosis or Severe Chronic Obstructive Pulmonary Disease (COPD) at any time before or within 90 days after the cover start date. Cover start date refers to the date we issue the policy or the date we issue an endorsement to include or increase a benefit, or the date we reinstate the policy (whichever is the latest). The definitions for the specified senior diseases can be found in the policy contract.
- If you succeed in claiming the senior disease benefit, a lump sum amount which is equal to six times of the monthly benefit will be paid out under the support benefit. The support benefit can only be claimed once. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with the illnesses or conditions at any time before the cover start date, or if the insured suffered symptoms of, had investigations for, or was diagnosed with Amyotrophic Lateral Sclerosis or Severe Chronic Obstructive Pulmonary Disease (COPD) at any time before or within 90 days after the cover start date.
- If you succeed in claiming the senior disease benefit, we will waive premiums that are due from the date the insured is diagnosed with a specified senior disease, until the end of the policy. The policy will end upon the insured’s death; when all benefits under the policy had been paid; or at the end of the contract term, whichever is the earliest.
- If the insured is diagnosed with any of the conditions covered under special benefit, a lump sum amount which is equal to three times of the monthly benefit will be paid out under the special benefit. It can only be claimed once. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 180 days after the cover start date.
- If the insured dies after one year from the cover start date, a death benefit of $10,000 will be paid out. If the insured dies within one year from the cover start date, the total premium paid, will be refunded from the cover start date. The policy will end after the death benefit is paid out.
- This plan is not guaranteed acceptance and is subjected to underwriting. We will not pay any benefits if your claim arises from a material pre-existing condition that was not told to us. Please refer to the policy contract for further details.
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. You can find the usual terms and conditions of this plan in the 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. This plan does not have any cash value.
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).
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information is correct as of 23 July 2019.
Information is correct as of 8 February 2024.
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