Here’s how Cancer Protect covers you against cancer.
-
Receive 25% of the sum assured[1] when you are diagnosed with an early stage cancer[2]. Test 26/4/2020 update
-
Receive up to 125% of the sum assured[3] when you are diagnosed with an advanced stage cancer[4].
-
Choose your sum assured from three different levels of protection: $100,000, $80,000 or $50,000.
Additional benefits for your complete peace of mind.
-
Receive up to 100% of the sum assured[5] due to accidental death (before age 70). Test 27/4 update
-
Receive $5,000 in the event of death not due to an accident or 100% of the premiums paid if it happens within a year from the cover start date.
-
Enjoy automatic guaranteed renewal[6] every 10 years without further underwriting till age 84 (age last birthday).
-
Coverage may be provided even if you have existing non-cancer related medical conditions[7].
-
Sign up for Cancer Protect with no medical check-ups[8] required.
Let us walk you through Complete Cancer Care.
-
How Complete Cancer Care provides support throughout every stage of the cancer treatment journey
35 years old
Jane, non-smoker, signs up for Complete Cancer Care. She choosesCare 100 with a sum assured of$150,000 and pays a monthly premium of$79.
45 years old
Jane’s policy isrenewed1 automatically without further underwriting. She now pays a monthly premium of $152.
46 years old
Jane is diagnosed with early-staged breast cancer and has started chemotherapy.
She receives$150,0002 (100% of the sum assured).
She also receives$1,5003 per month (1% of the sum assured) for 12 months, to help alleviate treatment expenses.
Total = $18,000Hermonthly future premiums of $152 are waived4 till the end of the policy term.
48 years old
Jane suffers a relapse and is diagnosed with advanced-stage breast cancer. She starts chemotherapy.
Jane also exercisedguaranteed post-cancer cover option5and purchaseStar Term Protect plan.
Sum assured: $150,000
Covers death, terminal illness and total and permanent disability (TPD).She receives$1,5003 per month (1% of the sum assured) for 12 months.
Total = $18,000Jane’s policy will continue with the remaining benefits until the end of the policy term:
55 years old
Jane’s policy has ended, and she remains covered by herStar Term Protect plan.
60 years old
She suffers a stroke which resulted in total and permanent disability from the paralysis of one side of her body. She receives$150,0005 (100% of the sum assured) from herStar Term Protect plan.
The above figures are for illustrative purposes only and are rounded to the nearest dollar.
1The policy will be renewed for another 10 years based on the following conditions:
- If the policyholder has selected Care 50 and no claim is made on Premium Waiver Benefit for advanced stage major cancer and insured is below age 75 last birthday at the time the policy is due for renewal; or
- If the policyholder has selected Care 100 and no claim is made on Premium Waiver Benefit and insured is below age 75 last birthday at the time the policy is due for renewal.
2If the insured is diagnosed with an early, intermediate or advanced stage major cancer by a specialist during the term of the policy, Income will pay the Major Cancer Benefit according to the selected option. The total payout of this benefit will not exceed 100% of the sum assured. The option must be selected at policy inception and cannot be changed. Income will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, any stage of major cancer any time before or within 90 days from the cover start date.
If the policyholder selected Care 50, any payment made for early or intermediate stage Major Cancer Benefit will reduce any payout for advanced stage by the same amount that Income pays for the early or intermediate stage. The early or intermediate stage Major Cancer Benefit can only be claimed once. This benefit will end when Income makes payment for advanced stage major cancer. The policy will continue to apply even if this benefit ends.
If the policyholder selected Care 100, this benefit will end when Income makes payment for any of the 3 stages of major cancer. The policy will continue even if this benefit ends.
3Income will pay a Monthly Cancer Therapy Benefit as long as the insured is diagnosed with major cancer by a specialist and recommended in writing that the treatment is a necessary medical treatment for cancer according to relevant guidelines from Ministry of Health (MOH) and has started cancer treatment as advised by a specialist. Income will make the first payment starting from the policy month immediately after the cancer treatment start date. For more details on the types of cancer treatment, please refer to the policy conditions. The maximum amount Income will pay for this benefit is $60,000 per life. Income will not pay more than a total number of 12 payouts for early or intermediate stage major cancer. If the insured has already received payouts during early stage, there will not be further payouts during intermediate stage. The sum of the total number of payouts for this benefit will not exceed 24 payouts. The number of payouts for the advanced stage major cancer will be 24 less the number of payouts Income have paid for the early or intermediate stage major cancer under this benefit. Income will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, any stage of major cancer any time before or within 90 days from the cover start date. Please refer to the policy conditions for further details.
4Income will pay the Premium Waiver Benefit according to your selected option under the Major Cancer Benefit.
- If the policyholder selected Care 50, upon diagnosis of early or intermediate stage major cancer, Income will waive the premiums up to 60 months or end of policy term, whichever is earlier, and the policyholder will have to pay premiums thereafter. This benefit for early or intermediate stage major cancer can only be claimed once. Income will waive the premiums until the end of policy term upon diagnosis of advanced stage major cancer.
- If the policyholder selected Care 100, Income will waive the premiums until the end of policy term upon diagnosis of any stage of major cancer.
The premium waiver will start from the policy month immediately after the diagnosis date of the major cancer. The policy will continue to apply for the remaining unclaimed benefits during this premium waiver period even though the policyholder is not paying the premiums. Income will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, any stage of major cancer any time before or within 90 days from the cover start date.
5Upon diagnosis with advanced stage major cancer, the insured may choose to take up a new term policy with only death, terminal illness and total and permanent disability (TPD) benefits on the insured own life, without Income having to assess their health. The waiting period of the new term policy is 2 years. If the insured makes a claim on the new term policy during the 2 years of waiting period, Income will refund 100% of the premiums paid on the term policy issued under this option.
The sum assured for the new term policy will be limited to:
- 100% of the sum assured for this policy; or
- $200,000 per life
aggregating policies issued under the guaranteed post-cancer cover option, whichever is lower.
Income will decide the type of new policy to be offered and the insured must meet all the following conditions to take up this option:
- The insured must take up this option within 6 months from the date of claim admittance of the advanced stage major cancer benefit.
- The insured must not be totally and permanently disabled, terminally ill or be diagnosed with an advanced-stage dread disease other than major cancer, 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.
6If the insured dies (not as a result of an accident) in the first policy year, Income will pay 100% of the total premiums paid. If the insured dies (due to reasons other than accidental) after the first policy year, $5,000 will be paid if death happens before the policy anniversary immediately after the insured reaches age 60 last birthday or $10,000 will be paid if death happens on or after the policy anniversary immediately after insured age of 60 last birthday. The payout will be reduced by any amounts that are owed to Income. The policy will end when this payment is made.
7Accidental death benefit is payable only if the insured’s death happens within 365 days of the accident and during the policy term. 100% of the sum assured will be paid out for this benefit only if the insured is not participating in a restricted activity at the time of the accident. If the insured is participating in a restricted activity at the time of the accident, this benefit will be reduced to 30% of the sum assured. The payout will be reduced by any amounts that are owed to Income. The policy will end when this payment is made. Please refer to the policy conditions for further details.
8Income will pay 10% of the sum assured if the insured is successfully admitted to an inpatient palliative care facility or engaged the home palliative or day palliative care services from providers listed by Singapore Hospice Council (SHC) during the policy term. The insured must be diagnosed with terminal cancer by a specialist and a referral for palliative care services made by a specialist is required. Providers listed by SHC, which may be updated from time to time, can be found at singaporehospice.org.sg/services. The benefit will terminate after this benefit is claimed in full. Income will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, any stage of major cancer any time before or within 90 days from the cover start date.
© 2023 Income. All rights reserved.
-
How Complete Cancer Care can alleviate the financial burden of cancer treatment
Mr Tan, 50 years old, non-smoker, is looking for a term life insurance plan to provide protection against cancer. Although he has diabetes1, he is still able to sign up for Complete Cancer Care plan with a sum assured of$100,000.
50 years old
Mr Tan signs up for Complete Cancer Care. He choosesCare 50 with a sum assured of$100,000 and pays a yearly premium of$772.
60 years old
Mr Tan’s policy isrenewed2automatically without further underwriting. He now pays a yearly premium of$2,470.
65 years old
Mr Tan is diagnosed with advanced-stage lung cancer and has started radiotherapy.
He receives$100,0003 (100% of the sum assured).
He also receives$5004 per month (0.5% of the sum assured) for 24 months, to help alleviate treatment expenses.
Total = $12,000Hisyearly future premiums of $2,470 are waived5 till the end of the policy term.
66 years old
Mr Tan’s condition deteriorates to a terminal stage and admits into an inpatient hospice palliative care facility based on his doctor’s referral.
He receives$10,0006 (10% of the sum assured).
67 years old
Mr Tan passes on due to his illness. His beneficiary receives a death benefit of$10,0007. The policy terminates thereafter.
The above figures are for illustrative purposes only and are rounded to the nearest dollar.
1This plan is not guaranteed acceptance and is subjected to underwriting. Income will not pay any benefits if your claim arises from a material pre-existing condition that was not told to Income. Please refer to the policy conditions for further details.
2The policy will be renewed for another 10 years based on the following conditions:
- If the policyholder has selected Care 50 and no claim is made on Premium Waiver Benefit for advanced stage major cancer and insured is below age 75 last birthday at the time the policy is due for renewal; or
- If the policyholder has selected Care 100 and no claim is made on Premium Waiver Benefit and insured is below age 75 last birthday at the time the policy is due for renewal.
3If the insured is diagnosed with an early, intermediate or advanced stage major cancer by a specialist during the term of the policy, Income will pay the Major Cancer Benefit according to the selected option. The total payout of this benefit will not exceed 100% of the sum assured. The option must be selected at policy inception and cannot be changed. Income will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, any stage of major cancer any time before or within 90 days from the cover start date.
If the policyholder selected Care 50, any payment made for early or intermediate stage Major Cancer Benefit will reduce any payout for advanced stage by the same amount that Income pays for the early or intermediate stage. The early or intermediate stage Major Cancer Benefit can only be claimed once. This benefit will end when Income makes payment for advanced stage major cancer. The policy will continue to apply even if this benefit ends.
If the policyholder selected Care 100, this benefit will end when Income makes payment for any of the 3 stages of major cancer. The policy will continue even if this benefit ends.
4Income will pay a Monthly Cancer Therapy Benefit as long as the insured is diagnosed with major cancer by a specialist and recommended in writing that the treatment is a necessary medical treatment for cancer according to relevant guidelines from Ministry of Health (MOH) and has started cancer treatment as advised by a specialist. Income will make the first payment starting from the policy month immediately after the cancer treatment start date. For more details on the types of cancer treatment, please refer to the policy conditions. The maximum amount Income will pay for this benefit is $60,000 per life. Income will not pay more than a total number of 12 payouts for early or intermediate stage major cancer. If the insured has already received payouts during early stage, there will not be further payouts during intermediate stage. The sum of the total number of payouts for this benefit will not exceed 24 payouts. The number of payouts for the advanced stage major cancer will be 24 less the number of payouts Income have paid for the early or intermediate stage major cancer under this benefit. Income will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, any stage of major cancer any time before or within 90 days from the cover start date. Please refer to the policy conditions for further details.
5Income will pay the Premium Waiver Benefit according to your selected option under the Major Cancer Benefit.
- If the policyholder selected Care 50, upon diagnosis of early or intermediate stage major cancer, Income will waive the premiums up to 60 months or end of policy term, whichever is earlier, and the policyholder will have to pay premiums thereafter. This benefit for early or intermediate stage major cancer can only be claimed once. Income will waive the premiums until the end of policy term upon diagnosis of advanced stage major cancer.
- If the policyholder selected Care 100, Income will waive the premiums until the end of policy term upon diagnosis of any stage of major cancer.
The premium waiver will start from the policy month immediately after the diagnosis date of the major cancer. The policy will continue to apply for the remaining unclaimed benefits during this premium waiver period even though the policyholder is not paying the premiums. Income will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, any stage of major cancer any time before or within 90 days from the cover start date.
6Income will pay 10% of the sum assured if the insured is successfully admitted to an inpatient palliative care facility or engaged the home palliative or day palliative care services from providers listed by Singapore Hospice Council (SHC) during the policy term. The insured must be diagnosed with terminal cancer by a specialist and a referral for palliative care services made by a specialist is required. Providers listed by SHC, which may be updated from time to time, can be found at singaporehospice.org.sg/services. The benefit will terminate after this benefit is claimed in full. Income will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, any stage of major cancer any time before or within 90 days from the cover start date.
7If the insured dies (not as a result of an accident) in the first policy year, Income will pay 100% of the total premiums paid. If the insured dies (due to reasons other than accidental) after the first policy year, $5,000 will be paid if death happens before the policy anniversary immediately after the insured reaches age 60 last birthday or $10,000 will be paid if death happens on or after the policy anniversary immediately after insured age of 60 last birthday. The payout will be reduced by any amounts that are owed to Income. The policy will end when this payment is made.
© 2023 Income. All rights reserved.
Your policy toolkit. 18/5
Eligibility and payment frequency Test 26/4 update 123
- The entry age is from 30 to 64 years old (last birthday), with coverage to a maximum age of 84 (last birthday).
- You have to make premium payments throughout the policy term. You can make your payments monthly, quarterly, half-yearly, or yearly.
26/4 caching test update 123
Policy conditions
Application forms
Your queries answered.
Print all queries
Footnotes
- The sum assured of your policy will not be reduced by the early stage cancer benefit paid.
- The definitions for early stage major cancers are found in the policy conditions. The insured must survive for at least 30 days after the diagnosis of an early stage major cancer. We will only pay this benefit once. We will not pay it again even if the policy is renewed. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with the disease 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 latest).
- If there is a claim made for an early stage cancer, we will only pay 100% of the sum assured upon diagnosis of an advanced stage cancer.
- The definitions for advanced stage major cancers are found in the policy conditions. The insured must survive for at least 30 days after the diagnosis of an advanced stage cancer. We will not pay this benefit if the insured was diagnosed with the disease within 90 days after the cover start date.
- Accidental death benefit is payable only if insured’s death happens within 365 days of the accident. 100% of the sum assured will be paid out for this benefit only if the insured is age 69 (last birthday) or under, and is not participating in a restricted activity at the time of the accident. If the insured is participating in a restricted activity at the time of the accident, this benefit will be reduced to 30% of the sum assured. Standard exclusions apply as well. Please refer to the policy conditions for further details.
- If there is no event giving rise to a claim (except that of an early stage of major cancers), we will renew your policy for the same contract term and sum assured. However, if the insured‘s 84th birthday falls within the next contract term, we will only renew it up to the anniversary immediately after the insured reaches the age of 84.
- This plan is not guaranteed 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 conditions for further details.
- Underwriting will be based on the health declaration found in your proposal form or the medical questionnaires. However, if we deem necessary after assessing the declaration, we may require the insured to go for specified medical tests.
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.
Apply for Cancer Protect. test 26/4 update 123
The best deals. Just for you.