Customise a plan that meets your family’s needs and provides comprehensive coverage.
Choose from a variety of add-ons to protect against premature death, dread diseases, accidents, permanent disability, hospitalisation, and loss of income.
As your needs change over the years, you can adjust the plan’s coverage to suit your different life stages.
You have the flexibility to extend the coverage to your parents, spouse and children at any time. When your children get older, they can transfer their insurance to their personal policies and then add coverage for their spouses or children.
You can choose coverage till age 79 for most of the riders you add on, giving you greater peace of mind. Premiums will be based on age at renewal.
We pay the sum assured in the event of death or total and permanent disability (TPD before age 65).
Sum assured decreases uniformly over the policy period and we pay the applicable sum assured upon death or total and permanent disability (TPD before age 65). This rider is most suitable when you take on a loan.
We pay a monthly income upon death or total and permanent disability (TPD before age 65) until the end of the policy term.
We pay a monthly income upon death, total and permanent disability (TPD before age 65) or diagnosis of dread disease , until the end of the policy term.
We pay a monthly income upon diagnosis of dread disease , until the end of the policy term.
This plan is specially tailored for ladies to cover specified female illnesses or occurrence of maternity risks. We also reimburse specified cancer-related and re-constructive surgery costs. This must be taken with the Living Benefit.
We pay for 10 specified child illnesses and hospitalisation due to accidental injury.
This rider provides death, permanent disability and temporary disability benefits due to accident. You can choose to have individual benefits or a combination of the three benefits.
We waive future premium payments of the basic plan in the event of death or total and permanent disability (TPD before age 65) of the policyholder during the term of the rider. This rider is applicable only if the insured is not the policyholder.
We waive future premium payments of the basic plan in the event of death, total and permanent disability (TPD before age 65), or diagnosis of dread disease  (except for angioplasty and other invasive treatment for coronary artery) of the policyholder during the term of the rider. This rider is applicable only if the insured is not the policyholder.
We waive future premium payments of the basic plan, if the policyholder is diagnosed with dread disease  (except for angioplasty and other invasive treatment for coronary artery) during the term of the rider.
We pay a fixed amount of compensation for each day of stay in a government hospital or a licensed hospital, subject to a maximum of 365 days for each confinement.
We reimburse hospital expenses for up to 60 days per hospitalisation. We cover ward charges, hospital services and surgical fees up to specified limits. We pay up to two times the daily room and board (R&B) benefit for stays in the intensive care unit, subject to maximum of 14 days.
The maximum entry age is 74 (last birthday) for adults and 17 (last birthday) for children.
You can include these family members:
You have to pay premiums throughout the policy term. You can make your payments monthly, quarterly, half-yearly, or yearly.
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.
This page 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 NTUC Income or visit the websites of the General Insurance Association of Singapore (www.gia.org.sg), the Life Insurance Association, Singapore (www.lia.org.sg) or Singapore Deposit Insurance Corporation (www.sdic.org.sg).
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