SilverCare Insurance

We will pay a lump sum amount for funeral arrangements in the event the insured person dies within 12 months from the date of the accident.

No, you can only claim outpatient medical expenses for injury resulting from accidents.

Yes, this policy will cover the expenses for treatment by a Chinese medicine practitioner or chiropractor within 12 months from the date of accident. However, we will only pay up to $50 per visit and up to the limits shown in the schedule.

Yes, this policy will cover you for day surgery due to an accident under section 4 – Hospitalisation expenses due to accident.

Yes, this policy will cover for post hospitalisation medical expenses that are incurred due to a direct condition for your hospitalisation due to an accident. We will only pay up to a maximum of 30 days from the date of discharge from the hospital.

Yes, this policy will cover for all kinds of fractures except pathologic fracture. A pathologic fracture is a broken bone caused by disease such as cancer or infection that leads to weakness of the bone.

This policy will only cover the ambulance charges for transportation to a hospital due to an accident. It does not cover any other types of transportation costs.

No, we will only pay if the mobility aids are necessary for your mobility and are prescribed by a medical practitioner.

Yes, but only if you have been rejected admission to a senior day care or home care service provider in Singapore.

You can only claim for home modification if you suffer 50% or more permanent disability under our table of compensation. We will only pay the reasonable cost of modifying your home to facilitate your movement and it must be completed within six months from the date of permanent disability.

No, this policy will only pay you if you need to engage cleaning services from a Singapore registered and licensed home cleaning service company to clean your home, provided you suffer 50% or more permanent disability. If you do not require such services, this benefit will not be payable.

No, this benefit is only payable if your caregiver attends the caregiver training conducted by our appointed provider – NTUC Health

The lifetime limit will apply to your policy for all claims made payable under section 1 to 13 of this policy. It will accumulate the claims made from the start date of the first policy you are insured under. The policy will end once the lifetime limit has been reached or when the policy has been cancelled or when we have fully paid the benefits under section 1 – Final expenses and section 2 – Permanent disability.

Yes, this policy will cover you if you suffer or die from accidental food poisoning.

Yes, this policy will cover a pillion rider on a motorcycle. However, if you are the rider of the motorcycle, this policy does not cover you.

Yes, this policy covers you while you are overseas for up to 180 days.

No, this policy does not cover you whilst you are taking part in hazardous activities and sports.

Yes, you can claim for the expenses for treatment by a Chinese medicine practitioner or chiropractor within 12 months from the date of accident. However, we will only pay up to $50 per visit and up to the limits shown in the schedule.

No, this policy does not guarantee renewal for life but we do offer renewal to the customer for life if they meet our renewal criteria. You may wish to note that renewal is subject to our yearly invitation to renew. On top of that, this policy will end once we have paid out 100% of the sum insured under section 1 – Final expenses and section 2 – Permanent disability or you no longer meet the policy eligibility requirements or the lifetime limit under your policy has been reached.

Yes, you may purchase the policy for your parents provided they are between 50 to 75 years old.

You must inform us at least two months before the policy is due for renewal by contacting us at 6788 6616 or email us at pline@income.com.sg.

Yes, you can submit your request to us but we will only allow if there is no claim paid under the policy, subject to underwriting approval. If there is any claim paid under the policy, we will not allow any upgrade of plan type.

No, we do not allow any further increase in coverage beyond Prestige Plan.

No, we do not allow coverage for motorcycling and hazardous activities.

Yes, you can cancel this insurance policy provided that there is no claim registered under this policy. You may notify 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.

Upon cancellation of your policy, we will proceed with your refund based on the calculation as follows:

85% x Premium x Unexpired Period of Insurance (days) / Original Period of Insurance (days)

If the policy is cancelled, we will not refund any premium below $37.80 @ 8% GST in 2023, $38.15 @ 9% GST from 2024.

There will be no refund payable to you if you have made any claim under the SilverCare insurance policy prior to the date of your cancellation request.

No, we do not allow three years policy. You can only take up a one-year policy.