Name: Home Ultimate Protect
Brand: Income Insurance Singapore

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Section

Benefit

Maximum benefit limit

Amount you are responsible for

Building or Renovations

Overall section limit: As shown in the schedule
Sub-limit: $5,000 for expenses for tracing and accessing water seepage

The first $100 for each and every loss or damage, except if caused by fire.
The first $10,000 for each and every loss or damage caused by landslip and/or subsidence.
20% co-payment for expenses for tracing and accessing water seepage.

Worldwide Personal Belongings

Overall section limit: As shown in the schedule
Sub-limit: $2,500 per article, set or pair

Home Contents

Overall section limit: As shown in the schedule
Sub-limits:

Category	For each article, set or pair	In total
Valuables	5% of overall section limit	50% of overall section limit
Money	–	$5,000
Bicycles and Personal Mobility Devices	–	$5,000
Legal Documents	–	$5,000
All other contents	15% of overall section limit	–

Specific items covered at full value

As shown in the schedule

Family worldwide liability

$2,000,000

Professional fees

10% of the total sum insured for Building and Renovations as shown in the schedule

Removal of debris

5% of the total sum insured for Building, Renovations and Home Contents as shown in the schedule

Replacement of used fire extinguishing equipment

$2,500

Conservancy charges

Overall section limit: $5,000
Sub-limit: $1,000 per month

Cost of temporary accommodation

Combined limit: 15% of the sum insured for Building or Renovations as shown in the schedule, whichever is higher
Sub-limit: $10,000 per month

Loss of rent while the premises are uninhabitable due to an accident

Accidental breakage of fixed mirrors, fixed glass, and sanitary ware

15% of the sum insured for Building or Renovations as shown in the schedule, whichever is higher

The first $100 for each and every loss or damage, except if caused by fire.

Temporary removal of contents

15% of the sum insured for Home Contents as shown in the schedule

Household removal

100% of the sum insured for Home Contents as shown in the schedule

The first 15% of each and every loss.

Temporary cover for new improvements

Building and Renovations: 10% of their respective sums insured as shown in the schedule
Home Contents: 25% of the sum insured for Home Contents as shown in the schedule

See section 1 for Building and Renovations;
See section 3 for Home Contents.

Emergency Cash Allowance

$1,000

Deterioration of food in the refrigerator

$1,000

The first $50 for each and every loss.

Emergency Entry

$1,000

Loss or damage to domestic helper’s property

$1,000

Worldwide family personal accident
Adult aged 21 years and above but under 70 years
Child aged 30 days and above but under 21 years

Overall section limit: $50,000
Sub-limit: $20,000 for each adult
Sub-limit: $10,000 for each child

Scale of compensation

Percentage of benefit limit

a) Accidental death

100%

b) Permanent total disability

100%

c) Loss of sight in both eyes

100%

d) Loss of two or more limbs

100%

e) Loss of sight in one eye

50%

f) Loss of one limb

50%

g) Loss of speech

50%

h) Loss of hearing in both ears

50%

The total of all percentages due under this section will not be more than 100% for each person within every 12-month period of the policy.

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