Frequently Asked Questions

Lady 360

Product Coverage

• Q:What is Lady 360?

  A:

  Lady 360 is a non-participating, regular premium term plan specifically designed to meet the protection needs of women. It provides protection against death, specific female illnesses and surgeries, support after specific diagnosis or surgery and biennial health screening for the insured. This policy cannot be cashed in.

Death Benefit

• Q:What is the death benefit payable?

  A:

  Upon death of the insured during the policy term, a death benefit of S$10,000 will be payable.

  
  

  The policy terminates thereafter.

• Q:What are the exclusion(s) under the death benefit?

  A:

  The policy is invalid if the insured commits suicide within one year from the cover start date. We will refund the total premiums paid, without interest, from the cover start date.

Female Illnesses Benefit

• Q:What is the female illnesses benefit payable?

  A:

  Upon the insured being diagnosed by a registered medical practitioner with any of the covered female illnesses shown in the benefit table during the policy term, this benefit will pay up to the limit shown in the benefit table. The total amount paid under this benefit will not exceed 100% of the sum assured.

  Female illnesses benefit table

  Category of insured events	Cover limit
  • Chronic autoimmune hepatitis • Malignant cancer of female sites • Rheumatoid arthritis • SLE with lupus nephritis	100% of sum assured
  • Carcinoma-in-situ of female sites • Osteoporotic fractures of the hip and vertebra requiring surgery or repair	50% of sum assured

  
  

  Each female illness can be claimed only once except for cancer. Please refer to the policy contract for the circumstances to which more than one claim can be made for cancer.

  
  

  If more than one condition is diagnosed in any of the paired organs on the same date, though they may exist in different stages or forms, only the benefit relating to one of these conditions for which the highest benefit amount is payable will be paid.

  
  

  This benefit is payable only if the insured survives for at least a period of 7 days after the diagnosis of the covered female illness.

  
  

  The female illnesses benefit will end upon payment of 100% of the sum assured.

• Q:Do I need to continue paying premiums if I am diagnosed with a covered female illness?

  A:

  Upon a successful claim for any of the covered female illnesses, premium payment on the policy will be waived for the next 24 months or until the end of the policy term, whichever is earlier.  We will waive premiums that are due after the diagnosis date of any of the covered female illnesses.

  This benefit can be claimed only once.

Female Surgeries Benefit

• Q:What is the female surgeries benefit payable?

  A:

  Upon the insured undergoing a female surgery shown in the benefit table, we will pay this benefit up to the limit shown in the benefit table. The total amount paid under this benefit will not exceed 50% of the sum assured.

  Female surgeries benefit table

  Category of insured events	Cover limit
  • Radical vulvectomy • Wertheim’s operation • Uterus, total pelvic exenteration	50% of sum assured
  • Breast lumpectomy – bilateral • Mastectomy – bilateral or unilateral • Hysterectomy • Complicated repair of fistula	30% of sum assured
  • Breast lumpectomy – unilateral • Urinary incontinence requiring  surgery • Uterine prolapse requiring surgery • Thyroid disorders requiring surgery • Polycystic ovarian syndrome requiring surgery	15% of sum assured

  
  

  The surgery must be considered medically necessary by a registered medical practitioner and is done in a hospital in Singapore.

  
  

  If the insured underwent multiple female surgeries due to the same condition, only the female surgery which has the highest benefit limit will be paid.

  
  

  Each female surgery can be claimed only once except for surgeries due to cancer. Please refer to the policy contract for the circumstances to which more than one claim can be made for cancer.

  
  

  If more than one condition is diagnosed in any of the paired organs on the same date, though they may exist in different stages or forms, only the benefit relating to one of these conditions for which the highest benefit amount is payable will be paid.

  
  

  The female surgeries benefit will end upon payment of 50% of the sum assured.

Care Benefit

• Q:What is care benefit?

  A:

  We provide the insured with a biennial health screening benefit. This benefit is available from the second policy anniversary of the cover start date. We will write to you when this benefit is due.

  
  

  This benefit is not transferable and the health screening must be completed within 180 days from the date we write to you and conducted at any one of our panel of clinics listed on our letter to you. You can find the list of tests provided under this benefit on our website.

  
  

  We will not provide this benefit if:

  • there are outstanding premiums due under this policy; or
  • the policy has ended.

• Q:When will I receive the health screening letter?

  A:

  The care benefit provides you a health screening once every two years. You will receive your health screening letter about one month before your policy anniversary date.

  If you have misplaced your health screening letter, you can call our Customer Service officers at 6788 1122 for a re-print of the health screening letter.

Support Benefit

• Q:What is the support benefit payable?

  A:

  Upon the insured making a claim for any of the insured events under support benefit, we will pay this benefit up to the limit shown in the benefit table. The total amount paid under this benefit will not exceed 100% of the sum assured. The support benefit will end upon payment of 100% of sum assured.

  Support benefit table

  Category of insured events	Cover limit
  • Reconstructive surgery benefit due to mastectomy following breast cancer or carcinoma in situ of the breast, malignant skin cancer, accidental burns and accident	100% of sum assured
  • Oocyte cryopreservation benefit	25% of sum assured
  • Breast cancer – molecular gene expression profiling test for treatment guidance benefit	15% of sum assured (subject to a maximum of $7,500)
  • Outpatient psychiatric benefit	5% of sum assured
  • Hormone replacement therapy benefit	5% of sum assured

  
  

  Please refer to the policy contract for the exact terms, conditions and circumstances to which each of the insured events under Support benefit can be claimed.

Eligibility and Premium Payments

• Q:What are the minimum and maximum entry ages?

  A:

  10-year renewable policy term

  	Minimum	Maximum
  Insured	15	44
  Policyholder	16	N.A.

  
  Coverage to age 64 last birthday

  	Minimum	Maximum
  Insured	15	59
  Policyholder	16	N.A.

  
  

• Q:What are the minimum and maximum sum assured for this policy?

  A:

  The minimum and maximum sum assured are S$25,000 and S$100,000 respectively. The insured may choose any amount in multiples of S$1,000. The insured cannot be covered for more than S$100,000 sum assured by buying multiple policies.

• Q:What are the policy terms available?

  A:

  You can choose either a ‘10-year renewable policy term’ or ‘policy term till age 64 last birthday’.

  If the policy term is up to age 64, we will cover the insured up to the anniversary immediately after the insured’s 64th birthday.

  For the 10-year renewable policy term, we will:

  • renew the policy for the same policy term and sum assured, if there is no claim under your policy during the policy term;
  • renew the policy up to the anniversary immediately after the insured’s 64th birthday if the policy is renewed on or after the insured’s 45th birthday;
  • require you to pay the premium based on the policy’s renewal term, sum assured and the age of the insured at the time the policy is renewed.

• Q:Can I change my policy term after my policy has been issued?

  A:

  Yes, you can change your policy term (e.g. from ‘10-year renewable policy term’ or ‘policy term till age 64 last birthday’) within 2 years from your policy issue date. Please note that underwriting and pro-rated premium may be required.

• Q:Is the premium payable for this policy guaranteed?

  A:

  No, the premium payable is not guaranteed and is subject to review. We will give you six months’ written notice should there be a need to revise the premium.

  Premium rates are level throughout the respective policy term. For 10-year renewable term, the new premium will calculated based on the attained age at renewal.

• Q:Can I backdate my policy?

  A:

  Yes, you may backdate your policy only if ALL the conditions are met:

  1. You are backdating a traditional life insurance policy to qualify for a lower premium or higher minimum protection value. Backdating for investment-linked policy is not allowed.
  2. The policy is backdated to a date:

  • one day before the Insured’s last birthday;
  • within 6 months from date of receipt of application by us; and
  • not earlier than the official launch date of the main plan or rider, if applicable.

Cash Value and Bonuses

• Q:Is there any cash value for this policy?

  A:

  No, there is no cash value for this policy as this is a non-participating policy.

• Q:Is this policy eligible for any bonus?

  A:

  No, this policy is not eligible for any bonus as this is a non-participating policy.

• Q:Is there a surrender value for my policy?

  A:

  No, there is no surrender value as this is a non-participating policy.