Frequently Asked Questions

LUV

General

  • Q:Can my husband or wife and I (both NTUC members) buy a plan each and cover each other?

    A:

    Yes, you can do so. However, the total sum assured for an individual life should not be more than $200,000.

  • Q:If I wish to purchase the LUV plan for my husband or wife and children, is it compulsory for them to take up NTUC membership?

    A:

    No, it is only compulsory for you (the main insured) to be an NTUC member.

Coverage

  • Q:Can I purchase both the Basic cover and Deluxe cover for myself?

    A:

    Yes you can, as long as the total sum assured for yourself does not exceed $200,000.

  • Q:Is the hospital cash benefit limited to 365 days per lifetime or per policy year and will any claims reduce my total sum assured?

    A:

    The daily hospital cash benefit is payable up to a maximum of 365 days for each period of hospital stay in Singapore.

    We will pay you $5 for every $10,000 sum assured for each day you have to stay in hospital. This is provided that each stay in the hospital must be for at least six hours in a row before any benefit is payable. This is a separate benefit and does not affect your total sum assured.

  • Q:If I were to change jobs or am in between jobs, will I still be covered under LUV plan?

    A:

    Yes, you are covered. LUV plan is exclusively for NTUC members. Your policy will remain in force unless you terminate your NTUC membership.

  • Q:If I die overseas, will I be covered?

    A:

    Yes, you will be covered as LUV offers a 24-hour worldwide insurance cover.

  • Q:What are the general exclusions for both Basic cover and Deluxe cover?

    A:

    The list of exclusions is as follows:

    CoverageExclusions
    Death from all causesSuicide in first year
    Total and permanent disability from all causesSelf-inflicted injury
    Partial and permanent disability due to an accidentSelf-inflicted injury, war, revolution or any warlike operations, military or naval service, racing on wheels
    Hospital cash benefitStrike, riot, civil commotion, war or warlike operation, wilful misuse of drugs and liquor, suicide, self-inflicted injury, mental disorders, pregnancy and childbirth, claims in first 30 days of cover, congenital anomalies
    30 critical illnesses (for Deluxe cover only)Self-inflicted injury or illness, misuse of drugs and alcohol, pre-existing medical conditions, AIDS & diagnosis of cancer, coronary artery bypass, heart attack of specified severity, angioplasty and other invasive treatment for coronary artery within 90 days from start date of cover
Application & Procedure

  • Q:If I am interested to take up LUV plan but I am not a NTUC member, how do I apply for the NTUC membership?

    A:

    You can apply to be an NTUC member on NTUC U Portal. For further enquiries or details on NTUC membership, you can call 6213 8008 or submit an enquiry online.

  • Q:Am I required to go for a medical checkup to apply for LUV plan?

    A:

    No, you are generally not required to undergo a medical checkup when you apply for LUV plan. However, if our underwriters require a medical checkup to underwrite your application, we will notify you in writing.

  • Q:Are my premium rates guaranteed?

    A:

    No, your premium rates are not guaranteed. The premiums that you pay are based on the sum assured and insured's age next birthday. Premium rates will change when the insured enters a higher age band. Income reserves the right to review and change the premium rates from time to time by giving 30 days written notice to NTUC and the new premium rates shall apply to all insured.

  • Q:If I terminate my NTUC membership, will my LUV plan be terminated?

    A:

    Yes, your policy will be terminated when you terminate your NTUC membership.

  • Q:If I terminate my NTUC membership or my LUV policy, will my husband or wife and children still be insured under LUV plan?

    A:

    No, your husband or wife and children will not be covered under LUV plan once you terminate either your NTUC membership or your LUV plan.

Product Alteration

  • Q:What should I do if I wish to add my husband or wife and children under the plan?

    A:

    Please fill in and sign the LUV application form. You will also need to fill in and sign a new GIRO application form. Please leave the “Policy Number/Reference” field blank in the form.

    Please mail your completed and signed Application Form and GIRO Application Form to “Income Insurance Limited, Income Centre, 75 Bras Basah Road, Singapore 189557” for the attention of “Group Business – Affinity Schemes”.

  • Q:Can my husband or wife and children’s plan type (sum assured) and cover type be of a higher coverage than mine?

    A:

    No, the plan type (sum assured) and cover type for your husband or wife and children should not be of a higher coverage than your plan type (sum assured) and cover type unless your plan type (sum assured) and cover type is counter-offered by Income due to underwriting reasons.