Frequently Asked Questions

Maternity 360

Mother's benefit

• Q:What happens if the insured mother commits suicide?

  A:

  We will not pay any benefits under the mother’s benefit table if the insured mother commits suicide within one year from the cover start date. We will also not refund the total premiums paid.

• Q:How much is payable for the death benefit of the insured mother?

  A:

  If the insured mother dies during the term of the policy, we will pay 100% of the sum assured. All benefits for the insured mother will end when we make this payment. Coverage will continue for the insured child.

• Q:How much is payable for the pregnancy complications benefit of the insured mother?

  A:

  We will pay 100% of the sum assured if the insured mother is diagnosed with any of the insured events under the pregnancy complications benefit in the benefit table, due to her pregnancy of the insured child. The diagnosis must be confirmed by an appropriate medical specialist who is a registered medical practitioner. Coverage for death benefit and hospital care benefit will continue under the insured mother’s benefits. In the event the insured mother successfully delivers, then the benefits for the insured child will continue.
  Pregnancy complications benefit table

  Category of insured events
  • Abruptio placentae • Acute fatty liver of pregnancy • Amniotic fluid embolism • Choriocarcinoma and malignant hydatidiform mole • Disseminated intravascular coagulation	• Ectopic pregnancy • Placenta increta or percreta • Postpartum haemorrhage requiring hysterectomy • Pre- eclampsia or eclampsia • Still birth

   

  The total amount paid under this pregnancy complications benefit will not exceed 100% of the sum assured. This benefit will end when we make this payment.

• Q:How much is payable for the hospital care benefit of the insured mother?

  A:

  If the insured mother has to stay in a hospital due to any of the insured events under the hospital care benefit in the  benefit table and the hospitalisation is within 42 days after the birth of insured child, we will pay 1% of the sum assured for each day she is in the hospital, up to a maximum of 30 days and the stay must be during the policy term.

  Hospital care benefit table

  Category of insured events
  • Inpatient psychiatric treatment • Post-natal anaemia • Puerperal pyrexia • Pulmonary embolism • Repair of 4th degree perineal tear	• Septic pelvic thrombophlebitis • Surgical site infection following caesarian section • Uterine infection or transfusion due to retained placenta following childbirth

   

  To avoid doubt, if the stay in hospital is due to multiple medical conditions, we will only pay 1% of the sum assured for each day the insured mother stays in the hospital.

  The total amount paid under this Hospital care benefit will not exceed 30% of the sum assured. This benefit will end upon payment of 30% of the sum assured.

Child's benefit

• Q:How much is payable for the death benefit of the insured child?

  A:

  We will pay 100% of the sum assured if the insured child is live-born and dies within 30 days after birth.
  
  For the insured child to be considered live-born, the gestation period shall exceed 28 weeks and at least two of the following shall be present after birth:

  • There was breathing by the insured child;
  • There was beating of the insured child’s heart;
  • There was pulsation of the umbilical cord;
  • There was definite movement of voluntary muscles of the insured child.

  All benefits for the insured child will end when we make this payment. Coverage will continue under the insured mother’s benefits.

• Q:How much is payable for the congenital illnesses benefit of the insured child?

  A:

  We will pay 100% of the sum assured if the insured child is live-born and is diagnosed with any of the insured events under the congenital illnesses benefit in the benefit table. The diagnosis must be confirmed by an appropriate medical specialist who is a registered medical practitioner. Coverage for death benefit and hospital care benefit will continue under the insured child’s benefits.

  Congenital illness benefit table

  Category of insured events
  •Absence of two limbs •Anal atresia •Atrial septal defect •Biliary atresia •Cerebral palsy •Cleft lip and cleft palate •Club foot •Congenital blindness •Congenital cataract •Congenital deafness •Congenital diaphragmatic hernia •Congenital hypertrophic pyloric stenosis	•Development dysplasia of the hip •Down's syndrome •Infantile hydrocephalus •Patent ductus arteriosus •Retinopathy of prematurity •Spina bifida •Tetralogy of fallot •Trancheo-esophageal fistula or esophageal atresia •Transposition of the great vessels •Truncus arteriosus •Ventricular septal defect

   

  The total amount paid under this congenital illnesses benefit will not exceed 100% of the sum assured. This benefit will end when we make this payment.

• Q:How much is payable for the hospital care benefit of the insured child?

  A:

  If the insured child stays in the intensive care unit or high dependency unit of a hospital due to any of the insured events under hospital care benefit in the benefit table, we will pay 1% of the sum assured for each day the insured child is in the hospital, up to a maximum of 30 days and the stay must be during the policy term. To avoid doubt, if the stay in hospital is due to multiple medical conditions, we will only pay 1% of the sum assured for each day the insured child stays in the intensive care unit or high dependency unit of a hospital.

  Category of insured events
  •Bronchitis (including other lower respiratory tract infection) •Dengue haemorrhagic fever •Hand, foot and mouth disease •Incubation immediately after birth for more than 3 consecutive days	•Phototherapy or blood transfusion for severe neonatal jaundice •Pneumonia •Premature birth

   

  For Phototherapy or blood transfusion for severe neonatal jaundice and premature birth, we will only cover up to 30 days from birth. The total amount paid under this hospital care benefit will not exceed 30% of the sum assured. This benefit will end upon payment of 30% of the sum assured.

• Q:How much is payable for the outpatient phototherapy benefit of the insured child?

  A:

  If the insured child needs phototherapy treatment due to severe neonatal jaundice, we will pay 1% of the sum assured for each day of rental of the phototherapy machine, up to a maximum of 10 days. This benefit is valid only up to 30 days from birth.

  The total amount paid under this outpatient phototherapy benefit will not exceed 10% of the sum assured. This benefit will end upon payment of 10% of the sum assured.

Simplified application benefit

• Q:What is Simplified application benefit?

  A:

  After the birth of the insured child, the insured mother may choose to take up a new policy offered by us under this benefit, for the insured child based on a simplified health declaration. We will decide the type of new policy to be offered and all the following conditions must be met.

  • The insured mother must take up the new policy within 60 days after the birth of her child; and
  • The insured mother may buy more than one policy, but the cover for death, total and permanent disability and dread disease for all policies, whichever is highest, must not be more than $150,000.

  For example, if the insured mother buys a policy where the death cover is 180% of the sum assured, the maximum sum assured that the insured mother can buy will only be $150,000/180% = $83,333.
  This benefit can be transferred to the father or legal guardian of the insured child, to take up the new policy for the insured child.

• Q:What are the plans that I can apply under the Simplified application benefit?

  A:

  The list of plans/riders available under the simplified application benefit are:

  • Star Secure Pro
  • Advanced Life Accelerator
  • DIRECT Star Protect Pro
  • DIRECT Dread Disease Protect Pro
  • AstraLink
  • Critical Protect (ILP)

  
  

  Above plans/riders are subject to change, please check webpage for plans that are eligible for Simplified Application benefit

  If there are any other plans/riders purchased, underwriting will apply.

Eligibility and premium payments

• Q:What is the entry age?

  A:

  The entry age for the insured mother is 17 age last birthday to 44 age last birthday. She must be between 13 to 35 weeks of pregnancy at the point of application for Maternity 360.

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

  A:

  You can buy Maternity 360 with a sum assured of $5,000 to $10,000, in multiples of $1,000.

  You can only buy 1 policy for each insured child, subject to the maximum sum assured limit of $10,000 per insured per pregnancy.
  
  If the expectant mother is carrying twins, you will need to buy 2 policies with a sum assured of $5,000 for each baby i.e. sum assured for the expectant mother is capped at $10,000.

• Q:Can I change the sum assured for Maternity 360?

  A:

  No. Increase or decrease of sum assured is not allowed.

• Q:What is the premium payment term for Maternity 360?

  A:

  Maternity 360 is a single premium policy.

Application & processing

• Q:Is there underwriting for Maternity 360?

  A:

  Yes. Health and financial underwriting (where applicable) are required.

• Q:Can I backdate my policy application?

  A:

  No, you cannot backdate your policy.

• Q:What are the documents to be submitted for application?

  A:

  These are the standard documents needed for all applications:

  • Application form
  • Benefits Illustration and Product Summary
  • My Financial Portfolio / Fact Find Form
  • Copy of proposer’s / insured’s NRIC
  • Cash or cheque (Payable to "Income Insurance Limited”) where applicable
  • GIRO form, where applicable

  Additional documents may be required, depending on the health condition of the insured and amount of coverage.

  Please submit 2 applications if the expectant mother is carrying twins. You will need to buy 2 policies with a sum assured of $5,000 for each baby i.e. sum assured for the expectant mother is capped at $10,000.

• Q:How can I update the insured child’s details to the Maternity 360 policy?

  A:

  You can update the insured child’s details to the policy by emailing a clear copy of the Birth Certificate with policy number, or name of policyholder mentioned in the email to csquery@income.com.sg. We will send you an endorsement once the insured child’s details has been updated to the Maternity 360 policy.

• Q:When must I update the insured child’s details to the Maternity 360 policy?

  A:

  Please update the child’s details within 60 days from date of birth.

• Q:When will the insurance coverage commence?

  A:

  Cover commences upon underwriting approval and receipt of premium payment. We will inform you the date of commencement of cover in writing.

• Q:Will there be any insurance coverage while the application is being processed?

  A:

  We will refund the premium paid if the insured mother dies while the application is being processed.

• Q:Can I request for the policy document to be hand delivered instead of being sent by post?

  A:

  Please note that the default option will be by post (i.e. policy document sent directly to policyholder – via normal/non-registered mail). If you wish the policy document to be hand delivered, please select “By Hand” option on the top right-hand corner of the application form.

Cash value & 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.

Nomination

• Q:Can I make a nomination for Maternity 360 policy?

  A:

  You will not be able to make a nomination for Maternity 360 as the policy covers both the insured mother and child.