When you suffer, your child suffers too
A critical illness can turn life upside down, not just for the person diagnosed but for the entire family. Children, in particular, may struggle with emotional distress as they navigate the new changes surrounding the illness.
Did you know?
Parents underestimate children's emotional, social, and financial burden*
A high proportion of the children coped by keeping their feelings to themselves*
Child Secure Project
To support families during this difficult time, Income Insurance introduces the Child Secure Project, offering 10 counselling sessions for children aged 7 to 18 of Complete Cancer Care, Complete Critical Protect and Complete Life Secure policyholders battling critical illnesses such as cancer, heart attack and stroke.
Sara, a typical 13-year-old in Singapore, loves ice cream and the violin—until her mother is diagnosed with cancer. Forced into the role of caregiver, Sara's childhood ends abruptly. Told through her young, honest eyes, this beautifully illustrated story captures the emotional toll a critical illness takes on the children in a family, a fact often overlooked.
Featuring insights from health experts on supporting kids through crisis, Mummy Needs Me is a vital read for every parent about the power of love, hope, and emotional preparedness.
Download a copy of eBook here.
Our Partners
As part of the Child Secure Project, Income Insurance partners with dedicated professional counselling service providers to support children through emotional challenges. Below is a list of trusted Service Providers offering counselling sessions under the campaign.
Apply Now for the Child Secure Project
To get started, select a preferred Service Provider from our list of partners and complete the form. We will review your application and get in touch with you.
Important Notes
^Applicable for the child of Complete Cancer Care, Complete Critical Protect and Complete Life Secure policyholder between ages 7 and 18 upon successful claim of a critical illness or dread disease. Other policy and campaign Ts&Cs apply.
*Source: Income’s Child Secure Project Study.
Campaign Terms and Conditions
1. As part of the Income Child Secure Project (“Campaign”), Income Insurance Limited (“Income Insurance”) is offering ten (10) 60-minute counselling sessions (“Benefit”) for each child (“Child”) of an eligible Complete Life Secure, Complete Cancer Care or Complete Critical Protect policyholder (“Policyholder”), subject to these Terms and Conditions.
2. For a Policyholder to be eligible for the Benefit:
2.1 The Policyholder must have purchased any one of the following plans (each a “Qualifying Policy”, and collectively the “Qualifying Policies”):
- Complete Life Secure, together with either or both of the following riders, which are applicable to Complete Life Secure only, (each a “Qualifying Rider”, and collectively the “Qualifying Riders”):
- Early Critical Secure rider; and
- Advanced Critical Secure rider;
- Complete Cancer Care; or
- Complete Critical Protect;
2.2 The Policyholder must have made a critical illness or dread disease claim (the “Claim”) on an eligible Complete Cancer Care or Complete Critical Protect policy, or one of the Qualifying Riders, which Claim has been approved and the relevant critical illness or dread disease benefit payout has been made by Income Insurance;
2.3 The Policyholder must complete and submit the relevant application form online at income.com.sg/income-child-secure-project to apply to participate in the Campaign (“Application”) and provide document(s) establishing proof of his or her relationship with each Child, in the form of a birth certificate or legal adoption document, and/or any other documents as may be requested by Income Insurance;
2.4 Applications for the Campaign must be submitted to Income Insurance from 10 June 2025 and not later than 9 June 2030 (both dates inclusive) (the “Campaign Period”).
2.5 Each Child must be between the ages of 7 and 18 (both inclusive) as at the Application submission date; and
2.6 The Policyholder and each Child must be either a Singaporean or a Permanent Resident of Singapore, and reside in Singapore.
3. The Policyholder shall be entitled to the Benefit once only, even if Claims are approved under more than one eligible Qualifying Policy and/or Qualifying Riders (as applicable, in accordance with paragraph 2.2).
4. Without prejudice to paragraph 3, the following applies where the Policyholder has more than one Child:
4.1 If the Policyholder elects, at the time of the Application, for the Benefit to be applied to more than one Child, the Benefit will be provided to each Child elected.
4.2 If the Policyholder elects, at the time of the Application, for the Benefit to be applied to one Child only, the Policyholder shall not be entitled to the Benefit for any other Child.
5. Policyholders who are eligible for the Benefit will receive an email confirmation at their email address registered with Income Insurance at the point of application.
6. The Benefit must be fully utilised within 12 months from the date of the email confirmation from Income Insurance, failing which, the Policyholder shall be deemed to have forfeited his/her right to the Benefit (or the unutilised part thereof) and no compensation will be given or paid in lieu.
7. A Policyholder who has applied to participate in the Campaign represents and warrants that all information provided to Income Insurance in connection with the Campaign is true, accurate and complete in all respects.
8. The Benefit can only be claimed from Income Insurance’s approved list of service providers (“Service Provider”) listed on income.com.sg/income-child-secure-project.
9. A Policyholder may not switch Service Providers after the first counselling session has been completed with his or her selected Service Provider.
10. Income Insurance will only cover the cost of the Benefit for counselling sessions conducted in person or online (if such service is made available by the selected Service Provider). The Benefit does not include the cost of any additional services or counselling sessions, which shall be borne by the Policyholder separately.
11. Notice of cancellation of a counselling session must be provided by the Policyholder to the Service Provider at least 48 hours in advance of a scheduled counselling session, failing which, such session will be deemed as used and will be deducted from the balance Benefit.
12. The Policyholder is responsible for arranging all counselling session appointments with his or her selected Service Provider directly.
13. The Benefit is not negotiable, transferable, exchangeable, or redeemable for cash, credit or any benefits-in-kind, either in part or in full. No compensation is payable if the Policyholder is unable to utilise the Benefit. There shall be no refund or exchange for any partially used or unused Benefit.
14. The Campaign does not affect or change any terms, conditions, and exclusions of the policy contract of the Qualifying Policy, including any applicable rider(s) that are issued. The precise terms, conditions and exclusions of the policy and rider(s) are specified in the respective policy contracts.
15. Income Insurance reserves the right to replace the Benefit (or any part thereof) with any benefit of similar nature at any time at its sole discretion without prior notification to the Policyholder, including in the event any arrangement between Income Insurance and the Policyholder’s selected Service Provider expires or terminates prior to the Benefit being fully utilised by a Policyholder (“Replacement Benefit(s)”).
16. The redemption or usage of the Benefit or Replacement Benefit(s) shall be subject to the terms and conditions imposed by the relevant Service Provider of the Benefit and Replacement Benefit(s).
17. Income Insurance does not make any representations or warranties of any kind, whether express, implied or statutory, as to the reliability, adequacy, quality or availability of the services provided by any Service Provider.
18. Under no circumstances shall Income Insurance be liable to any Policyholder, Child or any other persons, whether in contract, tort (including negligence) or otherwise, for any liabilities, losses and damages, claims, costs, and expenses (including any special or consequential damages or losses) howsoever caused, in connection with, related to, or resulting from the Benefit and Replacement Benefit(s) and/or this Campaign.
19. No joint venture, sponsorship, tie up, agency, or any other relationship is intended or created between Income Insurance and the Service Provider and issuer of any Replacement Benefit(s). This Benefit is not intended or deemed to be in connection with or use of the brand name of the Service Provider of the Benefit and Replacement Benefit(s).
20. Income Insurance reserves the right to vary/amend the Terms and Conditions of the Campaign and the approved list of Service Providers listed on income.com.sg/income-child-secure-project at any time without prior notice to any Policyholder, Child or person.
21. Income Insurance’s decision on all matters relating to this Campaign (including the issuance of the Benefit or Replacement Benefits) shall be final, conclusive and binding. No appeals will be entertained.
22. These Terms and Conditions shall be construed and governed by the laws of the Republic of Singapore.
Important Notes
For enquiries on the Campaign, customers may reach out to Income Insurance via [email protected].
All of Income Insurance’s products are developed to benefit our customers but not all our products may be suitable for your specific needs. If you are unsure if a product is suitable for you, we strongly encourage you to speak to a qualified Income Insurance advisor. Otherwise, you may end up purchasing a product that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or obtain the insurance protection you seek. Purchasing a life insurance plan is a long-term commitment on your part. If you cancel your plan prematurely, the cash value you receive (if applicable) may be zero or less than the premiums you have paid for the plan.
The precise terms, conditions and exclusions of the Qualifying Policies and Qualifying Riders can be found here: Complete Cancer Care, Complete Critical Protect, and Complete Life Secure.
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 Insurance or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
The Terms and Conditions of the Campaign were published / last revised on 3 August 2026.
Information is correct as at 03 August 2026 (SGT).
