Dread Disease/Terminal Illness Claim
Life Insurance CLAIMS
We understand that this is a difficult time. That is why we are committed to keeping the claim process as swift and convenient as we can.
What you need to know.
You can submit this claim online via My Income customer portal. Don't have an account yet? Register today!
To receive payments as quickly as possible, opt for Direct Crediting under the Payment section in the claim form.
Your claims should be made within six months from the diagnosis date of the dread disease.
It usually takes 14 working days to process your claim once all documents are received.
For claims which require further clarification, we will need more time to process your claim. For such cases, we will keep you informed.
Caregivers looking to claim on behalf of a policyholder can find out more about the process through the infographic below.
Required documents
Claim forms
Required documents
Claim forms
If you are unable to submit your claim online, you can choose one of the following channels to submit your claim during this period.
Important notes
If you are unsure, the policyholder (insured) should go for a formal assessment by a registered medical practitioner and specialist in mental health. The assessor should not be related to the policyholder (insured).
As a caregiver, you will need to provide a copy of:
As a caregiver, you will need to provide a copy of:
1As defined under Section 4 of the Mental Capacity Act, a person lacks capacity in relation to a matter if at the material time he is unable to make a decision for himself in relation to the matter because of an impairment of, or a disturbance in the functioning of, the mind or brain. Please refer to the Mental Capacity act for full details. Formal assessment will be required. Registered medical practitioners and specialists in mental health can conduct formal assessments.
2The insured’s regular attending doctor who is treating the insured on the diagnosed conditions.
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Your queries answered.
You are encouraged to obtain the completed AMPS from your doctor(s) because it will speed up the process. The cost of the report should range from $100 to $300 (subject to prevailing GST and hospital fee charges. You may clarify with the hospital directly on the fee charges); the cost of this report is to be borne by you.
Where AMPS form specific to your condition is available in our website, you should use that specific AMPS for your doctor’s completion.
If you are unable to obtain the completed AMPS due to special reasons (e.g. suffering from a stroke and no available next of kin to assist with the AMPS application), we would be happy to do so on your behalf, upon your request and the cost of the report will be borne by you. However, please be informed that hospitals may take up to ten weeks to respond to our request.
It depends on your policy and the condition you are claiming for. (Note: Waiting period refers to a period starting from the date of policy issue, inclusion or increase of any benefit, or policy reinstatement, whichever is most recent.)
For a typical dread disease policy that covers the 30 specified dread diseases:
For a dread disease policy that covers early, intermediate and advanced stages of dread diseases:
No. We will process the claim under all policies and riders with the dread disease benefit. Once we pay out 100% of the benefit under a basic policy, any riders attached to the main policy will be terminated.
As long as you have fully disclosed your insurance cover with other companies upon applying the insurance plan with us, we will pay the full claim amount.
All riders (with the exception of Extended Permanent Total Disability rider) will cease as the main contract has come to an end.
For Extended Permanent Total Disability rider, it will be terminated unless the insured has been certified to be totally and permanently disabled (TPD) as well. In this case, we will commence the payouts under the Extended Permanent Total Disability rider at the end of the fifth year, provided that the insured is still TPD by then. If not, the Extended Permanent Total Disability rider will be terminated.
Yes, provided this is a participating policy1 and the policy has been in force for at least two years (when bonus has vested) at the time the claim was admitted.
1. Participating policy refers to the policy that is managed in the Participating Fund (“the Fund”). The policy shares in the profits or losses of the Fund, through bonuses added to your policy. For more information, please refer to this guide: Understanding Your Participating Policy.
Please refer to the FAQs for more information.
Your claim forms.
Download Medical/Accident/Living/TPD claim form
Download Attending Medical Practitioner's Statement
Download Attending Medical Practitioner's Statement - Alzheimer’s Disease or Severe Dementia
Download Attending Medical Practitioner’s Statement – Benign Brain Tumour
Download Attending Medical Practitioner's Statement – Cancer/Major Cancers
Download Attending Medical Practitioner’s Statement – Kidney Failure
Download Attending Medical Practitioner's Statement - Multiple Sclerosis
Download Attending Medical Practitioner's Statement - Parkinson's Disease
Get in touch with us.