Frequently Asked Questions

General

  • Q:Can you submit the Attending Medical Practitioner's Statement (AMPS) on my behalf?

    A:

    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.


  • Q:Is there a waiting period before I can make a dread disease claim?

    A:

    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:

    • There is a 90-day waiting period for these four dread diseases: Major Cancers, Heart Attack, Coronary Artery By-pass Surgery, and Angioplasty & Other Invasive Treatment for Coronary Artery.
    • For other dread diseases, there is no waiting period.

    For a dread disease policy that covers early, intermediate and advanced stages of dread diseases:

    • There is a 90-day waiting period for all early stage dread diseases, intermediate stage dread diseases, and special or juvenile dread diseases.
    • In addition, a 90-day waiting period will also apply to these specific advanced stage dread diseases: Major Cancers, Heart Attack, Other Serious Coronary Artery Disease, and Coronary Artery By-pass Surgery.
    • For other dread diseases, there is no waiting period.

  • Q:Can I choose to make a claim under selected dread disease policies when I am diagnosed with one of the dread diseases?

    A:

    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.

  • Q:Assuming that I have a policy of $300,000 with Company A, $300,000 with Company P, and $300,000 with you. Upon making a dread disease claim, Company A & Company P each paid the full amount. How much will you pay?

    A:

    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.

  • Q:What will happen to the riders if I make a dread disease claim under my basic dread disease policy and receive a 100% payout?

    A:

    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.

  • Q:I have paid a yearly premium up to the next policy year. Upon making a claim, will the bonus paid out take into account the premiums I have paid into the next policy year?

    A:

    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.

Dependants' Protection Scheme

  • Q:Where can I learn more about the policy information and claim process for Dependants' Protection Scheme?

    A:

    Please refer to the FAQs for more information.