Here’s how you can stay covered over a prolonged period of medical leave.
Get a daily hospital income for each day that you stay in a hospital including subsequent hospitalisation leave (up to a maximum total of 60 days per policy year).
Get a daily cash benefit from your 8th day of consecutive non-hospitalisation medical leave (up to a maximum total of 14 days per policy year).
Choose between two plans to receive either $60 per day (Plan A) or $80 per day (Plan B).
Who this is for.
- You must be a self-employed person (SEP) and is a Singaporean or Singapore Permanent Resident who is residing in Singapore only.
Self-employed person means any person who operates own trade, business, profession or vocation other than under employment under a contract of service. They are commonly referred to as freelancers or independent contractors or own account workers.
- You must be at least 21 years old at the point of application. Coverage will end when you reach 75 years old (age last birthday).
How much you need to pay.
|Age last birthday (years)||Plan A||Plan B|
|21 to 30||$103.68||$138.24|
|31 to 40||$113.40||$151.20|
|41 to 50||$170.64||$226.80|
|51 to 60||$306.72||$408.24|
|61 to 70||$502.20||$667.44|
|71 to 75||$560.52||$745.20|
Annual premium rates (Premium inclusive of 8% GST)
Premium rates are not guaranteed and may be reviewed from time to time. The premiums that you pay are based on the insured’s age last birthday. Premium rates will change when the insured enters a higher age band.
- We pay this benefit if you have stayed in the hospital in Singapore for at least 6 hours; unless the hospital charges you for daily room and board; or the surgery is a procedure listed in the Ministry of Health’s (MOH) table of surgical procedures.
- Medical certification must be in a single medical certificate, given on insured member’s first visit to a registered medical practitioner.
There are certain conditions whereby the benefits under the plan will not be payable. You can refer to the policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.
This is for general information only. You can find the usual terms and conditions of this plan in the policy contract. All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want. If you find that this plan is not suitable after purchasing it, you may terminate it within the free-look period, and obtain a refund of premiums paid. We may recover from you any expense incurred in underwriting this plan.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg ).
Information is correct as at 1 January 2023.
Apply for Prolonged Medical Leave for Self-employed Person.
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