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Be covered every step of the way with Complete Cancer Care.
Dealing with unforeseen illnesses, such as cancer, can be highly stressful. It can affect your and your family’s mental health and financial stability, especially when cancer treatments are costly. Hence, it is important to strengthen your financial protection with Complete Cancer Care, so you and your loved ones can focus on cancer treatment and recovery without worrying about additional financial stress.
How can Complete Cancer Care alleviate the financial burden of cancer treatment.
Choose between 2 options, Care 50 and Care 100, for the lump sum payout under our Major Cancer Benefit[1].
Set your mind at ease knowing that your future premiums will be waived[2] for a specified period up to the end of the policy term upon the diagnosis of major cancer.
First in Singapore to provide guaranteed post-cancer cover option[3] - purchase a new term plan for extra coverage upon the diagnosis of advanced stage major cancer.
Receive up to 1% of the sum assured per month for up to 24 months[4] to help reduce out-of-pocket expenses for cancer treatment.
Receive 10% of the sum assured[5] for hospice and palliative care.
Receive up to 100% of the sum assured in the event of accidental death[6]. You will also be covered for non-accidental death[7].
Receive support throughout every stage of the cancer journey.
Complete Cancer Care covers you against all stages of cancer. Choose your preferred payout option:
| Stages of Major Cancer | Care 50 | Care 100 |
| Early or Intermediate Stage | Should the insured be diagnosed with early or intermediate stage major cancer during the term of the policy | |
| 50% of the sum assured | 100% of the sum assured | |
| Advanced Stage | Should the insured be diagnosed with advanced stage major cancer during the term of the policy, and a claim is paid for early or intermediate stage major cancer | |
| 50% of the sum assured | N.A | |
| Should the insured be diagnosed with advanced stage major cancer during the term of the policy, and a claim is not paid for early or intermediate stage major cancer | ||
| 100% of the sum assured | 100% of the sum assured | |
Set your mind at ease knowing that your future premiums will be waived[2] for a specified period up to the end of the policy term upon the diagnosis of major cancer. The remaining benefits that are unclaimed will still be available to you.
| Stages of Major Cancer | Waiver Period | |
| Care 50 | Care 100 | |
| Early or Intermediate Stage | Waived for a period of up to 60 months or till the end of the policy term, whichever is earlier | Waived till the end of the policy term |
| Advanced Stage | Waived till the end of the policy term | |
Receive a stream of monthly payout[4] for up to 24 months to support the costs of cancer treatment with our Monthly Cancer Therapy Benefit, which provides comprehensive coverage for cell, tissue or gene therapy, chemotherapy, hormonal therapy, immunotherapy, radiotherapy and targeted therapy.
| Stages of Major Cancer | Number of monthly payouts | Care 50 | Care 100 |
| Early or Intermediate Stage | Up to 12 | 0.5% of the sum assured (per month) | 1% of the sum assured (per month) |
| Advanced Stage | Up to 24 |
Let us walk you through Complete Cancer Care.
35 years old
Jane, non-smoker, signs up for Complete Cancer Care. She choosesCare 100 with a sum assured of$150,000 and pays a monthly premium of$79.
45 years old
Jane’s policy isrenewed1 automatically without further underwriting. She now pays a monthly premium of$152.
46 years old
Jane is diagnosed with early-stage breast cancer and has started chemotherapy.
She receives$150,0002 (100% of the sum assured).
She also receives$1,5003 monthly (1% of the sum assured) for 12 months to help alleviate treatment expenses.
Total = $18,000
Hermonthly future premiums of $152 are waived4 till the end of the policy term.
48 years old
Jane suffers a relapse and is diagnosed with advanced-stage breast cancer. She starts chemotherapy.
Jane also exercisedguaranteed post-cancer cover option5 and purchasedStar Term Protect plan.
Sum assured: $150,000
Covers death, terminal illness and total and permanent disability (TPD).
She receives$1,5003 monthly (1% of the sum assured) for 12 months.
Total = $18,000
Jane’s policy will continue with the remaining benefits until the end of the policy term:
55 years old
Jane’s policy has ended, and she remains covered by herStar Term Protect plan.
60 years old
She suffered a stroke which resulted in total and permanent disability from the paralysis of one side of her body. She receives$150,0005 (100% of the sum assured) from herStar Term Protect plan.
The above figures are for illustrative purposes only and are rounded to the nearest dollar.
Important notes
1The policy will be renewed for another 10 years based on the following conditions:
- If the policyholder has selected Care 50 and no claim is made on Premium Waiver Benefit for advanced stage major cancer and insured is below age 75 last birthday at the time the policy is due for renewal; or
- If the policyholder has selected Care 100 and no claim is made on Premium Waiver Benefit and insured is below age 75 last birthday at the time the policy is due for renewal.
2If the insured is diagnosed with an early, intermediate or advanced stage major cancer by a specialist during the term of the policy, Income will pay the Major Cancer Benefit according to the selected option. The total payout of this benefit will not exceed 100% of the sum assured. The option must be selected at policy inception and cannot be changed. Income will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, any stage of major cancer any time before or within 90 days from the cover start date.
If the policyholder selected Care 50, any payment made for early or intermediate stage Major Cancer Benefit will reduce any payout for advanced stage by the same amount that Income pays for the early or intermediate stage. The early or intermediate stage Major Cancer Benefit can only be claimed once. This benefit will end when Income makes payment for advanced stage major cancer. The policy will continue to apply even if this benefit ends.
If the policyholder selected Care 100, this benefit will end when Income makes payment for any of the 3 stages of major cancer. The policy will continue even if this benefit ends.
3Income will pay a Monthly Cancer Therapy Benefit as long as the insured is diagnosed with major cancer by a specialist and recommended in writing that the treatment is a necessary medical treatment for cancer according to relevant guidelines from Ministry of Health (MOH) and has started cancer treatment as advised by a specialist. Income will make the first payment starting from the policy month immediately after the cancer treatment start date. For more details on the types of cancer treatment, please refer to the policy conditions. The maximum amount Income will pay for this benefit is $60,000 per life. Income will not pay more than a total number of 12 payouts for early or intermediate stage major cancer. If the insured has already received payouts during early stage, there will not be further payouts during intermediate stage. The sum of the total number of payouts for this benefit will not exceed 24 payouts. The number of payouts for the advanced stage major cancer will be 24 less the number of payouts Income have paid for the early or intermediate stage major cancer under this benefit. Income will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, any stage of major cancer any time before or within 90 days from the cover start date. Please refer to the policy conditions for further details.
4Income will pay the Premium Waiver Benefit according to your selected option under the Major Cancer Benefit.
- If the policyholder selected Care 50, upon diagnosis of early or intermediate stage major cancer, Income will waive the premiums up to 60 months or end of policy term, whichever is earlier, and the policyholder will have to pay premiums thereafter. This benefit for early or intermediate stage major cancer can only be claimed once. Income will waive the premiums until the end of policy term upon diagnosis of advanced stage major cancer.
- If the policyholder selected Care 100, Income will waive the premiums until the end of policy term upon diagnosis of any stage of major cancer.
The premium waiver will start from the policy month immediately after the diagnosis date of the major cancer. The policy will continue to apply for the remaining unclaimed benefits during this premium waiver period even though the policyholder is not paying the premiums. Income will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, any stage of major cancer any time before or within 90 days from the cover start date.
5Upon diagnosis with advanced stage major cancer, the insured may choose to take up a new term policy with only death, terminal illness and total and permanent disability (TPD) benefits on the insured own life, without Income having to assess their health. The waiting period of the new term policy is 2 years. If the insured makes a claim on the new term policy during the 2 years of waiting period, Income will refund 100% of the premiums paid on the term policy issued under this option.
The sum assured for the new term policy will be limited to:
- 100% of the sum assured for this policy; or
- $200,000 per life
aggregating policies issued under the guaranteed post-cancer cover option, whichever is lower.
Income will decide the type of new policy to be offered and the insured must meet all the following conditions to take up this option:
- The insured must take up this option within 6 months from the date of claim admittance of the advanced stage major cancer benefit.
- The insured must not be totally and permanently disabled, terminally ill or be diagnosed with an advanced-stage dread disease other than major cancer, at the time of taking up this option.
- The insured must be 60 years old last birthday or under at the time of taking up this option.
6If the insured dies (not as a result of an accident) in the first policy year, Income will pay 100% of the total premiums paid. If the insured dies (due to reasons other than accidental) after the first policy year, $5,000 will be paid if death happens before the policy anniversary immediately after the insured reaches age 60 last birthday or $10,000 will be paid if death happens on or after the policy anniversary immediately after insured age of 60 last birthday. The payout will be reduced by any amounts that are owed to Income. The policy will end when this payment is made.
7Accidental death benefit is payable only if the insured’s death happens within 365 days of the accident and during the policy term. 100% of the sum assured will be paid out for this benefit only if the insured is not participating in a restricted activity at the time of the accident. If the insured is participating in a restricted activity at the time of the accident, this benefit will be reduced to 30% of the sum assured. The payout will be reduced by any amounts that are owed to Income. The policy will end when this payment is made. Please refer to the policy conditions for further details.
8Income will pay 10% of the sum assured if the insured is successfully admitted to an inpatient palliative care facility or engaged the home palliative or day palliative care services from providers listed by Singapore Hospice Council (SHC) during the policy term. The insured must be diagnosed with terminal cancer by a specialist and a referral for palliative care services made by a specialist is required. Providers listed by SHC, which may be updated from time to time, can be found at singaporehospice.org.sg/services. The benefit will terminate after this benefit is claimed in full. Income will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, any stage of major cancer any time before or within 90 days from the cover start date.
© 2023 Income Insurance. All rights reserved.
Mr Tan, 50 years old, non-smoker, is looking for a term life insurance plan to provide protection against cancer. Although he has diabetes1, he is still able to sign up for Complete Cancer Care plan with a sum assured of$100,000.
50 years old
Mr Tan signs up for Complete Cancer Care. He choosesCare 50 with a sum assured of$100,000 and pays a yearly premium of$772.
60 years old
Mr Tan’s policy isrenewed2automatically without further underwriting. He now pays a yearly premium of$2,470.
65 years old
Mr Tan is diagnosed with advanced-stage lung cancer and has started radiotherapy.
He receives$100,0003 (100% of the sum assured).
He also receives$5004 monthly (0.5% of the sum assured) for 24 months to help alleviate treatment expenses.
Total = $12,000
Hisyearly future premiums of $2,470 are waived5 till the end of the policy term.
66 years old
Mr Tan’s condition deteriorates to a terminal stage and admits into an inpatient hospice palliative care facility based on his doctor’s referral.
He receives$10,0006 (10% of the sum assured).
67 years old
Mr Tan passes on due to his illness. His beneficiary receives a death benefit of$10,0007. The policy terminates thereafter.
The above figures are for illustrative purposes only and are rounded to the nearest dollar.
Important notes
1This plan is not guaranteed acceptance and is subjected to underwriting. Income will not pay any benefits if your claim arises from a material pre-existing condition that was not told to Income. Please refer to the policy conditions for further details.
2The policy will be renewed for another 10 years based on the following conditions:
- If the policyholder has selected Care 50 and no claim is made on Premium Waiver Benefit for advanced stage major cancer and insured is below age 75 last birthday at the time the policy is due for renewal; or
- If the policyholder has selected Care 100 and no claim is made on Premium Waiver Benefit and insured is below age 75 last birthday at the time the policy is due for renewal.
3If the insured is diagnosed with an early, intermediate or advanced stage major cancer by a specialist during the term of the policy, Income will pay the Major Cancer Benefit according to the selected option. The total payout of this benefit will not exceed 100% of the sum assured. The option must be selected at policy inception and cannot be changed. Income will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, any stage of major cancer any time before or within 90 days from the cover start date.
If the policyholder selected Care 50, any payment made for early or intermediate stage Major Cancer Benefit will reduce any payout for advanced stage by the same amount that Income pays for the early or intermediate stage. The early or intermediate stage Major Cancer Benefit can only be claimed once. This benefit will end when Income makes payment for advanced stage major cancer. The policy will continue to apply even if this benefit ends.
If the policyholder selected Care 100, this benefit will end when Income makes payment for any of the 3 stages of major cancer. The policy will continue even if this benefit ends.
4Income will pay a Monthly Cancer Therapy Benefit as long as the insured is diagnosed with major cancer by a specialist and recommended in writing that the treatment is a necessary medical treatment for cancer according to relevant guidelines from Ministry of Health (MOH) and has started cancer treatment as advised by a specialist. Income will make the first payment starting from the policy month immediately after the cancer treatment start date. For more details on the types of cancer treatment, please refer to the policy conditions. The maximum amount Income will pay for this benefit is $60,000 per life. Income will not pay more than a total number of 12 payouts for early or intermediate stage major cancer. If the insured has already received payouts during early stage, there will not be further payouts during intermediate stage. The sum of the total number of payouts for this benefit will not exceed 24 payouts. The number of payouts for the advanced stage major cancer will be 24 less the number of payouts Income have paid for the early or intermediate stage major cancer under this benefit. Income will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, any stage of major cancer any time before or within 90 days from the cover start date. Please refer to the policy conditions for further details.
5Income will pay the Premium Waiver Benefit according to your selected option under the Major Cancer Benefit.
- If the policyholder selected Care 50, upon diagnosis of early or intermediate stage major cancer, Income will waive the premiums up to 60 months or end of policy term, whichever is earlier, and the policyholder will have to pay premiums thereafter. This benefit for early or intermediate stage major cancer can only be claimed once. Income will waive the premiums until the end of policy term upon diagnosis of advanced stage major cancer.
- If the policyholder selected Care 100, Income will waive the premiums until the end of policy term upon diagnosis of any stage of major cancer.
The premium waiver will start from the policy month immediately after the diagnosis date of the major cancer. The policy will continue to apply for the remaining unclaimed benefits during this premium waiver period even though the policyholder is not paying the premiums. Income will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, any stage of major cancer any time before or within 90 days from the cover start date.
6Income will pay 10% of the sum assured if the insured is successfully admitted to an inpatient palliative care facility or engaged the home palliative or day palliative care services from providers listed by Singapore Hospice Council (SHC) during the policy term. The insured must be diagnosed with terminal cancer by a specialist and a referral for palliative care services made by a specialist is required. Providers listed by SHC, which may be updated from time to time, can be found at singaporehospice.org.sg/services. The benefit will terminate after this benefit is claimed in full. Income will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, any stage of major cancer any time before or within 90 days from the cover start date.
7If the insured dies (not as a result of an accident) in the first policy year, Income will pay 100% of the total premiums paid. If the insured dies (due to reasons other than accidental) after the first policy year, $5,000 will be paid if death happens before the policy anniversary immediately after the insured reaches age 60 last birthday or $10,000 will be paid if death happens on or after the policy anniversary immediately after insured age of 60 last birthday. The payout will be reduced by any amounts that are owed to Income. The policy will end when this payment is made.
© 2023 Income Insurance. All rights reserved.
Your policy toolkit
Eligibility and payment frequency
For policyholders
| Minimum entry age (last birthday) | Maximum entry age (last birthday) |
|---|---|
| 16^ | N.A. |
For the insured
| Minimum entry age (last birthday) | Maximum entry age (last birthday) |
|---|---|
| 0 | 74 |
^Parents cannot be the policyholder on their child who are 18 years old (age last birthday) and above at the point of application.
You can make your payments monthly, quarterly, half-yearly, or yearly.
Policy conditions
Your queries answered.
Complete Cancer Care is a non-participating, regular premium term plan which provides protection against major cancer (early, intermediate and advanced stage). It also provides premium waiver benefit, monthly cancer therapy benefit, guaranteed post-cancer cover option, cancer hospice care benefit and death benefit. This policy cannot be cashed in.
Upon diagnosis of the insured with an early, intermediate or advanced stage of major cancer by a specialist during the term of the policy, the Major Cancer Benefit will be paid according to the selected option shown in the table. The total payout of this benefit will not exceed 100% of the sum assured. The option must be selected at policy inception and cannot be changed thereafter.
| Stages of Major Cancer | Option | |
| Care 50 | Care 100 | |
| Early Stage or Intermediate Stage | 50% of sum assured | 100% of sum assured |
| Advanced Stage | 100% of sum assured | |
If you have selected Care 50, any payment made for early or intermediate stage of major cancer benefit will reduce any payout for advanced stage by the same amount. The early or intermediate stage of major cancer benefit can only be claimed once. This benefit will end when payment is made for advanced stage of major cancer. If you have selected Care 100, this benefit will end when payment is made for any of the 3 stages of major cancer. The policy will continue even if this benefit ends.
A waiting period of 90 days will apply from the cover start date for Major Cancer Benefit.
Please refer to the policy contract for the full definition of early, intermediate and advanced stage of major cancer and the circumstances in which the insured can make a claim.
Upon diagnosis of the insured with an early, intermediate or advanced stage of major cancer by a specialist during the term of the policy, the premium waiver benefit will start and future premium payments do not have to be paid according to your selected option shown in the table.
| Stages of Major Cancer | Waiver Period | |
| Care 50 | Care 100 | |
| Early Stage or Intermediate Stage | Up to 60 months or end of policy term, whichever is earlier and you will have to pay premiums thereafter. | Waive till the end of the policy term |
| Advanced Stage | Waive till the end of the policy term | |
The premium waiver benefit for early or intermediate stage major cancer can only be claimed once.
The premium waiver will start from the policy month immediately after the diagnosis date of the major cancer.
The policy will continue to apply for the remaining unclaimed benefits (as if premiums have been paid) during this period even though the policyholder is not paying premiums.
A waiting period of 90 days will apply from the cover start date for Premium Waiver Benefit.
Upon diagnosis of the insured with major cancer by a specialist and recommended in writing that treatment is a necessary medical treatment for cancer according to relevant guidelines from Ministry of Health, this Monthly Cancer Therapy Benefit will be payable accordingly to the selected option for Major Cancer Benefit upon start of the cancer treatment. The payout for each stage of major cancer is as per the table below:
| Stages of Major Cancer | Number of monthly payouts | Option | |
| Care 50 | Care 100 | ||
| Early Stage or Intermediate Stage | Up to 12 | 0.5% of sum assured | 1% of sum assured |
| Advanced Stage | Up to 24 | ||
The first payment will start from the policy month immediately after the cancer treatment start date. Cancer Treatment means any of the following treatments for each stage of major cancer:
- Cell, Tissue or Gene Therapy
- Chemotherapy
- Hormonal Therapy
- Immunotherapy
- Radiotherapy
- Targeted Therapy
The list of cancer treatment above is subject to change. The treatment must:
- be provided in line with generally accepted standards of good medical practice in Singapore, be consistent with current standards of professional medical care, and have proven medical benefits;
- not be for the convenience of the insured or registered medical practitioner or specialist, this includes but is not limited to treatment that can reasonably be provided out of a hospital but is provided as an inpatient treatment;
- not be for investigation or research, this includes but is not limited to experimental or new physiotherapy, medical techniques or surgical techniques, medical devices not approved by the Institutional Review Board and the Health Sciences Authority, and medical trials for medicinal products, whether or not these trials have a clinical trial certificate issued by the Health Sciences Authority or similar bodies; and
- must not be preventive, or for health screening or promoting good health, this includes but is not limited to dietary replacement or supplement.
This benefit will not pay more than a total number of 12 payouts for early or intermediate stage major cancer. If the insured has already received payouts during early stage, there will not be further payouts during intermediate stage.
The sum of the total number of payouts for this benefit will not exceed 24 payouts. The number of payouts for the advanced stage major cancer will be 24 less the number of payouts that were already paid for early or intermediate stage major cancer under this benefit.
This benefit will end upon the earliest occurrence of any of the following:
- coverage expiry date;
- death of the insured;
- sum of all payouts exceed maximum claim limit for this benefit;
- upon receiving a total of 24 payments of monthly cancer therapy benefit;
- if any premium for the policy remains unpaid at the end of the grace period;
- your written request and our acceptance of the application to terminate the policy.
The payment of this benefit does not reduce the sum assured.
This benefit will stop making payment immediately upon death of the insured during the period when this benefit is payable.
The maximum amount payable for this benefit is S$60,000 per life.
A waiting period of 90 days will apply from the cover start date for Monthly Cancer Therapy Benefit.
Upon diagnosis with advanced stage major cancer, the insured may choose to take up a new term policy with only death, terminal illness and total and permanent disability (TPD) benefits on his or her own life, without assessment of health. The waiting period of the new term policy is 2 years. If the insured make a claim on the new term policy during the 2 years of waiting period, we will refund 100% of the premiums paid on the term policy issued under this option.
The sum assured for the new term policy will be limited to:
- 100% of the sum assured for this policy; or
- S$200,000 per life
aggregating policies issued under the guaranteed post-cancer cover option, whichever is lower.
The list of available term policy may vary and is subject to change. The insured must meet all the following conditions to take up this option.
- The insured must take up this option within six months from the date of the claim admittance of the advanced stage major cancer benefit.
- The insured must not have TPD, terminal illness or be diagnosed with an advanced-stage dread disease other than major cancer, at the time of taking up this option.
- The insured must be 60 years old last birthday or under at the time of taking up this option.
Please refer to the policy contract for the exact terms and definitions of advanced-stage dread disease.
A waiting period of 90 days will apply from the cover start date for Guaranteed Post-Cancer Cover Option.
Upon diagnosis of the insured with terminal cancer by a specialist that palliative care is required, we will pay 10% of the sum assured if any of the following condition is met:
- Insured was recommended in writing and referred by a specialist to be admitted to an inpatient palliative care facility from providers listed by Singapore Hospice Council (SHC) that provides inpatient hospice palliative care services; or
- Insured was recommended in writing and referred by a specialist to engage the home palliative care or day palliative care services from providers listed by SHC.
The insured must be admitted to the inpatient palliative care facility or engaged the home or day palliative care services of the hospice during the term of the policy.
The payment of this benefit does not reduce the sum assured.
A waiting period of 90 days will apply from the cover start date for Cancer Hospice Care Benefit. This benefit will terminate after this payment is made.
Upon death of the insured (due to reasons other than accidental) in the first policy year, 100% of the total premiums paid, less any amount you owe will be payable. Upon death of the insured (due to reasons other than accidental) after the first policy year, the following, less any amount you owe will be payable:
• S$5,000 if insured dies before policy anniversary immediately after the insured reaches age 60 last birthday; or
• S$10,000 if insured dies on or after policy anniversary immediately after insured age of 60 last birthday. The policy will end when we make this payment. We will not pay any further benefits.
Upon accidental death of the insured during the term of the policy, 100% of the sum assured less any amount you owe will be paid, provided that the insured does not take part in a restricted activity at the time of the accident and the cause of the accidental death must not be excluded.
If the insured was taking part in a restricted activity at the time of accident, 30% of the sum assured less any amount you owe will be paid.
If the cause of accidental death is excluded, the Death Benefit (Non-Accidental) will be payable. The accidental death benefit will only be paid if death happens within 365 days of the accident. If the insured is also covered for accidental death benefit under any policies which have been issued by us, the total accidental death benefit due under all these policies cannot be more than S$5 million (excluding bonuses). In this case the amount due under the earlier policies will first be taken into account, and then pay out only an amount to bring the total payments to S$5 million (excluding bonuses).
The policy will end when we make this payment. We will not pay any further benefits.
We will not pay the benefit if the claim arises from:
- deliberate acts such as self-inflicted injuries, illnesses or attempted suicide;
- deliberate misuse of drugs or alcohol;
- acquired immunodeficiency syndrome (AIDS), AIDS-related complex or infection by human immunodeficiency virus (HIV);
- all stages of major cancer, where the insured suffered symptoms of, had investigated for, or was diagnosed with the disease any time before or within 90 days from the cover start date.
We will not pay the benefit where the insured did not survive for 30 days after diagnosis.
The benefit is also not payable if the insured has a material pre-existing condition which was not disclosed upon application of this policy.
"Material pre-existing condition" means any condition that existed before the cover start date which would have reasonably affected our decision to accept your application and for which:
- the insured had symptoms that would have caused any sensible person to get medical treatment, advice or care;
- treatment was recommended by or received from a medical practitioner; or the insured had medical tests or investigations.
Cover start date means the date we issue the policy, issue an endorsement to include or increase a benefit, or reinstate the policy, whichever is the latest.
The accidental death benefit will not be paid if the death arises directly or indirectly from:
• deliberate acts such as self-inflicted injuries, suicide or attempted suicide;
• unlawful acts, provoked assault or deliberate exposure to danger;
• the effects of alcohol, drugs or any dependence;
• illnesses, psychological conditions or eating disorders;
• heat stroke;
• a bad reaction to drugs or medication;
• the effects of viruses (for example, dengue), bacteria or diseases;
• the negative effects or complications of medical and surgical care;
• treatments aimed at improving appearance, such as cosmetic surgery or any treatment relating to a previous cosmetic treatment;
• radiation or contamination from radioactivity;
• being in any aircraft, except as a fare-paying passenger in a commercial aircraft, or during military operations in peacetime;
• military, air force or naval operations, except when carried out in peacetime;
• warlike operations (whether war is declared or not), war, invasion, riot or any similar event;
• an accident which happens outside of Singapore; if the insured has been outside Singapore for more than 180 days in a row at the time of the accident; or
• an act of terrorism.
No, there is no cash value for this policy.
No, this policy is not eligible for any bonus as this is a non-participating policy.
| Minimum Entry Age (last birthday) | Maximum Entry Age (last birthday) | |
| Insured | 0 | 74 |
| Policyholder | 16 | N.A. |
The minimum sum assured is S$50,000.
The maximum sum assured for 0 age last birthday – 15 age last birthday is S$100,000.
The maximum sum assured for 16 age last birthday and above is S$250,000.
The insured may choose any amount in multiples of $10,000.
The premiums can be paid monthly, quarterly, half-yearly or yearly.
The policy term is 10 years, after which the policy will be renewed for another 10 years based on the following conditions:
- If you have selected Care 50 and no claim is made on premium waiver benefit for advanced stage major cancer and insured is below age 75 last birthday at the time the policy is due for renewal; or
- If you have selected Care 100 and no claim is made on premium waiver benefit and before insured reaches age 75 last birthday at the time the policy is due for renewal.
Premium rates are not guaranteed and we will give a written notice before we make any change. The premium rates are level throughout the premium payment term.
No, you can only use cash to buy this policy.
Backdating is allowed if all of the conditions are met:
- The backdating is for a traditional individual (savings or protection) life policy paying regular premium or single premium. Backdating for investment-linked policy and annuity policy is not allowed;
- The backdating results in a lower premium or higher protection value due to a lower entry age;
- The policy is backdated to a date up to one day before the Insured’s last birthday and it must be within 6 months from date of receipt of application by Income; and
- Backdating of policy to a date before the launch date of the main plan or rider is not allowed.
Our standard practice is to provide at least 30 days written notice to affected policyholders if we are to make material changes to product features that are subject to review.
Understand the details
[1] If the insured is diagnosed with an early, intermediate or advanced stage major cancer by a specialist during the term of the policy, Income will pay the Major Cancer Benefit according to the selected option. The total payout of this benefit will not exceed 100% of the sum assured. The option must be selected at policy inception and cannot be changed. Income will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, any stage of major cancer any time before or within 90 days from the cover start date.
If the policyholder selected Care 50, any payment made for early or intermediate stage Major Cancer Benefit will reduce any payout for advanced stage by the same amount that Income pays for the early or intermediate stage. The early or intermediate stage Major Cancer Benefit can only be claimed once. This benefit will end when Income makes payment for advanced stage major cancer. The policy will continue to apply even if this benefit ends.
If the policyholder selected Care 100, this benefit will end when Income makes payment for any of the 3 stages of major cancer. The policy will continue even if this benefit ends.
[2] Income will pay the Premium Waiver Benefit according to your selected option under the Major Cancer Benefit.
- If the policyholder selected Care 50, upon diagnosis of early or intermediate stage major cancer, Income will waive the premiums up to 60 months or end of policy term, whichever is earlier, and the policyholder will have to pay premiums thereafter. This benefit for early or intermediate stage major cancer can only be claimed once. Income will waive the premiums until the end of policy term upon diagnosis of advanced stage major cancer.
- If the policyholder selected Care 100, Income will waive the premiums until the end of policy term upon diagnosis of any stage of major cancer.
The premium waiver will start from the policy month immediately after the diagnosis date of the major cancer. The policy will continue to apply for the remaining unclaimed benefits during this premium waiver period even though the policyholder is not paying the premiums. Income will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, any stage of major cancer any time before or within 90 days from the cover start date.
[3] Upon diagnosis with advanced stage major cancer, the insured may choose to take up a new term policy with only death, terminal illness and total and permanent disability (TPD) benefits on the insured own life, without Income having to assess their health. The waiting period of the new term policy is 2 years. If the insured makes a claim on the new term policy during the 2 years of waiting period, Income will refund 100% of the premiums paid on the term policy issued under this option.
The sum assured for the new term policy will be limited to:
- 100% of the sum assured for this policy; or
- $200,000 per life
aggregating policies issued under the guaranteed post-cancer cover option, whichever is lower.
Income will decide the type of new policy to be offered and the insured must meet all the following conditions to take up this option:
- The insured must take up this option within 6 months from the date of claim admittance of the advanced stage major cancer benefit.
- The insured must not be totally and permanently disabled, terminally ill or be diagnosed with an advanced-stage dread disease other than major cancer, at the time of taking up this option.
- The insured must be 60 years old last birthday or under at the time of taking up this option.
[4] Income will pay a Monthly Cancer Therapy Benefit as long as the insured is diagnosed with major cancer by a specialist and recommended in writing that the treatment is a necessary medical treatment for cancer according to relevant guidelines from Ministry of Health (MOH) and has started cancer treatment as advised by a specialist. Income will make the first payment starting from the policy month immediately after the cancer treatment start date. For more details on the types of cancer treatment, please refer to the policy conditions. The maximum amount Income will pay for this benefit is $60,000 per life. Income will not pay more than a total number of 12 payouts for early or intermediate stage major cancer. If the insured has already received payouts during early stage, there will not be further payouts during intermediate stage. The sum of the total number of payouts for this benefit will not exceed 24 payouts. The number of payouts for the advanced stage major cancer will be 24 less the number of payouts Income have paid for the early or intermediate stage major cancer under this benefit. Income will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, any stage of major cancer any time before or within 90 days from the cover start date. Please refer to the policy conditions for further details.
[5] Income will pay 10% of the sum assured if the insured is successfully admitted to an inpatient palliative care facility or engaged the home palliative or day palliative care services from providers listed by Singapore Hospice Council (SHC) during the policy term. The insured must be diagnosed with terminal cancer by a specialist and a referral for palliative care services made by a specialist is required. Providers listed by SHC, which may be updated from time to time, can be found at singaporehospice.org.sg/services. The benefit will terminate after this benefit is claimed in full. Income will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, any stage of major cancer any time before or within 90 days from the cover start date.
[6] Accidental death benefit is payable only if the insured’s death happens within 365 days of the accident and during the policy term. 100% of the sum assured will be paid out for this benefit only if the insured is not participating in a restricted activity at the time of the accident. If the insured is participating in a restricted activity at the time of the accident, this benefit will be reduced to 30% of the sum assured. The payout will be reduced by any amounts that are owed to Income. The policy will end when this payment is made. Please refer to the policy conditions for further details.
[7] If the insured dies (not as a result of an accident) in the first policy year, Income will pay 100% of the total premiums paid. If the insured dies (due to reasons other than accidental) after the first policy year, $5,000 will be paid if death happens before the policy anniversary immediately after the insured reaches age 60 last birthday or $10,000 will be paid if death happens on or after the policy anniversary immediately after insured age of 60 last birthday. The payout will be reduced by any amounts that are owed to Income. The policy will end when this payment is made.
There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your 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, conditions and exclusions of this plan in the policy conditions. 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 advisor. 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. This plan does not have any cash value.
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).
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information is correct as at 14 January 2026
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