Complete Cancer Care

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. All rights reserved.

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. All rights reserved.