Frequently Asked Questions

PA Guard

Application and Procedures

  • Q:What is the age limit if I wish to apply for this policy?

    A:

    The age limit is 65 years old based on age at the start of the policy. For children age 15 days old to 15 years old, parents/guardian must be the proposer.
    You can be insured as a child under this policy if you are:

    •  under 18 years of age; or
    • under 25 years of age, unmarried and not on full-time employment; and are primarily dependent on the policyholder for maintenance and support. For example, full-time students or national servicemen.

  • Q:If I am a foreigner or Singaporean Permanent Resident (PR), can I purchase this policy?

    A:

    Yes, you can purchase this policy as long as you are a Singapore PR or hold a valid employment pass, dependent’s pass, work permit or student pass.

  • Q:If I met with an accident previously, can I still apply for this policy?

    A:

    Yes, you can submit to us your application together with the details of your previous accident. You should include when the accident happened, the cause of the accident and the medical treatment that you received. We will assess your condition and contact you on our decision.

  • Q:Can I take up this policy for a longer coverage term?

    A:

    No, we issue this policy for a coverage term of 1 year only.

  • Q:What payment frequencies can I choose from?

    A:

    We offer both annual and monthly payment frequencies.

  • Q:Can I take up this policy I am based overseas?

    A:

    No, you must be living or working in Singapore, or away from Singapore for no more than 180 days at any one time.

  • Q:If I change my mind after taking up this insurance, can I cancel it?

    A:

    Yes, you can cancel this plan by notifying us via email at pline@income.com.sg or telephone at 6788 6616. The cancellation will take effect from the date we receive your request.

    For cancellation after the 14 day free-look period, we will proceed with your refund based on the calculation as follows:
     

    Period of insurance (in days) still left to run original period of insurance of the policyX85% of total premium paid


    We will not refund any premium below $37.80 @ 8% GST in 2023, $38.15 @ 9% GST from 2024 if you cancel the policy. There will be no refund payable to you if you have made any claim since the start date of the plan till the date of your cancellation request.