What you need to know.

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You can submit this claim online via me@income. Don't have an account yet? Register today!

To receive payments as quickly as possible, opt for Direct Crediting under the Payment section in the claim form.

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1

Are you making a terminal illness claim under the Dependants’ Protection Scheme?

2

Prepare the required documents and complete the claim form

Required documents
  • Attending Medical Practitioner's Statement, to be completed by the claimant and the attending doctor
  • Medical reports, investigations reports, laboratory reports and hospital discharge summary
  • NRIC or relevant identification documents (e.g. passports, birth certificates)

Claim forms

3

Send us your documents and claim form

If you are unable to submit your claim online, you can choose one of the following channels to submit your claim during this period.

  1. Email your claim to us.
    a. Submission of Group and Affinity insurance products, email to groupclaim@income.com.sg
    b. Submission of Personal life/health insurance products, DPS or ElderShield, email to csquery@income.com.sg.
  2.  By post to
    Claims Service Centre
    Income Centre
    75 Bras Basah Road
    Singapore 189557


Important notes

  • Please ensure that all requirements for claim submission stated in our website are completed before submission to avoid unnecessary delay.
  • To receive payments as quickly as possible, opt for Direct Crediting under the Payment section in the claim form.
  • If you are submitting your claim online or via email, you are required to keep the original medical bills/receipts for six months as we may request for them for verification prior to/post settlement of your claim.
  • For all overseas claims, you are required to submit/follow up with the original notarised documents. 

Your queries answered.

You are encouraged to obtain the completed AMPS from your doctor(s) because it will speed up the process. We can reimburse you the cost of the report if you provide us with the original receipt. The cost of the report should range from $80 to $120 (subject to prevailing GST).

If you are not able to obtain the completed AMPS due to special reasons (e.g. suffering from a stroke), we would be happy to do so on your behalf, upon your request. However, you should understand that hospitals may take up to eight weeks to respond to our request.

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 critical illness policy that covers the 30 specified critical illnesses:

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

For a critical illness policy that covers early, intermediate and advanced stages of critical illnesses:

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

No. We will process the claim under all policies and riders with the critical illness benefit. Once we pay out 100% of the benefit under a basic policy, any riders attached to the main policy will be terminated.

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

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.

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.

Get in touch with us.

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