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Here’s how Lady 360 can protect you.
Receive up to 100% of the sum assured when you are diagnosed with certain female-specific illnesses[1].
Receive up to 50% of the sum assured for specific surgeries[2] arising from female illnesses.
Receive $10,000 in the event of death.
Even if you have claimed for more than one insured event[3].
Receive up to 100% of the sum assured for post-diagnosis support benefits[4], including egg-freezing before cancer treatment to preserve fertility, outpatient psychiatric treatment due to traumatic life events and molecular gene expression profiling test to guide breast cancer treatment.
Additional benefits for your complete peace of mind.
You will not need to pay for premiums[5] for the next 24 months, or until the end of the policy term (whichever is earlier) upon diagnosis of a specific female illness.
After the second year of your policy, a tailored health screening will be made available to you every two years[6].
For a more detailed look at what you are covered for, you may view the full coverage table here.
Get actual rates that are tailored to your needs.
Let us walk you through Lady 360.
Ms Tan is a non-smoker when she buys a Lady 360 policy with a sum assured of $25,000 and a policy term of up to age 64. Her monthly premium is $41.50.
Ms Tan starts to go for her health screening1 every 2 years.
Ms Tan is diagnosed with malignant breast cancer. She undergoes surgery for breast mastectomy – bilateral, and a molecular gene expression profiling test too.
Her premiums are waived2 for the next 24 months.
Ms Tan goes for a reconstructive breast surgery.
- ✔Support benefit5
$21,250 (Remaining 85% of sum assured)
End of policy term.
Important notes
The above figures are for illustrative purposes only.
1 The biennial health screening benefit is available from the second policy anniversary of the cover start date. Cover start date refers to the date we issue the policy or the date we issue an endorsement to include or increase a benefit, or the date we reinstate the policy (whichever is the latest). We will write to you when this benefit is due, provided that there are no outstanding premiums due under your policy, and the policy is still inforce. This benefit is not transferable and the health screening must be completed within 180 days from the date we write to you and conducted at any one of our panel of clinics listed on our letter to you. You can find the list of tests provided under this benefit on our website at www.income.com.sg.
2 This benefit can be claimed only once. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 90 days after the cover start date.
3 The insured must survive for at least 7 days after the insured is diagnosed with a covered female illness before we pay the female illnesses benefit. All payments are subject to the limit shown in the benefit table and the total amount under this benefit will not exceed 100% of the sum assured. You can claim for each female illness only once, except for cancer where you may claim more than once. If we pay a claim that is less than the cover limit, the percentage of the sum assured payable for this benefit will reduce accordingly. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 90 days after the cover start date. Please refer to the policy contract for further details and definitions of insured events.
4 We will pay the female surgeries benefit up to the limit shown in the benefit table. The total amount paid under this benefit will not exceed 50% of the sum assured. If the insured underwent multiple female surgeries due to the same condition, we will only pay for one female surgery which has the highest benefit limit. You can claim for each female surgery only once, except for surgeries due to cancer. If we pay a claim that is less than the cover limit, the percentage of the sum assured payable for this benefit will reduce accordingly. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 90 days after the cover start date. Please refer to the policy contract for further details and definitions of the insured events.
5 We will pay this support benefit up to the limit shown in the benefit table. The total amount paid under this benefit will not exceed 100% of the sum assured. If we pay a claim that is less than the cover limit, the percentage of the sum assured payable for this benefit will reduce accordingly. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 90 days after the cover start date, unless it is for reconstructive surgery benefit due to accidental burns or accident, or outpatient psychiatric benefit due to disfigurement from accidental burns or death of the insured’s spouse or child. Please refer to the policy contract for further details and definitions of the insured events.
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Your policy toolkit
Eligibility and payment frequency
For 10-year renewable term
| Entry age | Minimum | Maximum |
| Insured | 15 | 44 |
| Policyholder | 16^ | N.A. |
For coverage to age 64 (last birthday)
| Entry age | Minimum | Maximum |
| Insured | 15 | 59 |
| Policyholder | 16^ | N.A. |
^Individuals who take up the policy on their own at 15 years old (last birthday) will require parental/legal guardian’s consent. Parents cannot take up policies on the lives of their children who are 18 years old (last birthday) and above.
You have to pay premiums throughout the policy term. You can make your premium payments monthly, quarterly, half-yearly, or yearly.
Policy conditions
Your queries answered.
Lady 360 is a non-participating, regular premium term plan specifically designed to meet the protection needs of women. It provides protection against death, specific female illnesses and surgeries, support after specific diagnosis or surgery and biennial health screening for the insured. This policy cannot be cashed in.
Upon death of the insured during the policy term, a death benefit of S$10,000 will be payable.
The policy terminates thereafter.
The policy is invalid if the insured commits suicide within one year from the cover start date. We will refund the total premiums paid, without interest, from the cover start date.
Upon the insured being diagnosed by a registered medical practitioner with any of the covered female illnesses shown in the benefit table during the policy term, this benefit will pay up to the limit shown in the benefit table. The total amount paid under this benefit will not exceed 100% of the sum assured.
Female illnesses benefit table
| Category of insured events | Cover limit |
| • Chronic autoimmune hepatitis • Malignant cancer of female sites • Rheumatoid arthritis • SLE with lupus nephritis | 100% of sum assured |
| • Carcinoma-in-situ of female sites • Osteoporotic fractures of the hip and vertebra requiring surgery or repair | 50% of sum assured |
Each female illness can be claimed only once except for cancer. Please refer to the policy contract for the circumstances to which more than one claim can be made for cancer.
If more than one condition is diagnosed in any of the paired organs on the same date, though they may exist in different stages or forms, only the benefit relating to one of these conditions for which the highest benefit amount is payable will be paid.
This benefit is payable only if the insured survives for at least a period of 7 days after the diagnosis of the covered female illness.
The female illnesses benefit will end upon payment of 100% of the sum assured.
Upon a successful claim for any of the covered female illnesses, premium payment on the policy will be waived for the next 24 months or until the end of the policy term, whichever is earlier. We will waive premiums that are due after the diagnosis date of any of the covered female illnesses.
This benefit can be claimed only once.
Upon the insured undergoing a female surgery shown in the benefit table, we will pay this benefit up to the limit shown in the benefit table. The total amount paid under this benefit will not exceed 50% of the sum assured.
Female surgeries benefit table
| Category of insured events | Cover limit |
| • Radical vulvectomy • Wertheim’s operation • Uterus, total pelvic exenteration | 50% of sum assured |
| • Breast lumpectomy – bilateral • Mastectomy – bilateral or unilateral • Hysterectomy • Complicated repair of fistula | 30% of sum assured |
| • Breast lumpectomy – unilateral • Urinary incontinence requiring surgery • Uterine prolapse requiring surgery • Thyroid disorders requiring surgery • Polycystic ovarian syndrome requiring surgery | 15% of sum assured |
The surgery must be considered medically necessary by a registered medical practitioner and is done in a hospital in Singapore.
If the insured underwent multiple female surgeries due to the same condition, only the female surgery which has the highest benefit limit will be paid.
Each female surgery can be claimed only once except for surgeries due to cancer. Please refer to the policy contract for the circumstances to which more than one claim can be made for cancer.
If more than one condition is diagnosed in any of the paired organs on the same date, though they may exist in different stages or forms, only the benefit relating to one of these conditions for which the highest benefit amount is payable will be paid.
The female surgeries benefit will end upon payment of 50% of the sum assured.
We provide the insured with a biennial health screening benefit. This benefit is available from the second policy anniversary of the cover start date. We will write to you when this benefit is due.
This benefit is not transferable and the health screening must be completed within 180 days from the date we write to you and conducted at any one of our panel of clinics listed on our letter to you. You can find the list of tests provided under this benefit on our website.
We will not provide this benefit if:
- there are outstanding premiums due under this policy; or
- the policy has ended.
The care benefit provides you a health screening once every two years. You will receive your health screening letter about one month before your policy anniversary date.
If you have misplaced your health screening letter, you can call our Customer Service officers at 6788 1122 for a re-print of the health screening letter.
Upon the insured making a claim for any of the insured events under support benefit, we will pay this benefit up to the limit shown in the benefit table. The total amount paid under this benefit will not exceed 100% of the sum assured. The support benefit will end upon payment of 100% of sum assured.
Support benefit table
| Category of insured events | Cover limit |
| • Reconstructive surgery benefit due to mastectomy following breast cancer or carcinoma in situ of the breast, malignant skin cancer, accidental burns and accident | 100% of sum assured |
| • Oocyte cryopreservation benefit | 25% of sum assured |
| • Breast cancer – molecular gene expression profiling test for treatment guidance benefit | 15% of sum assured (subject to a maximum of $7,500) |
| • Outpatient psychiatric benefit | 5% of sum assured |
| • Hormone replacement therapy benefit | 5% of sum assured |
Please refer to the policy contract for the exact terms, conditions and circumstances to which each of the insured events under Support benefit can be claimed.
10-year renewable policy term
| Minimum | Maximum | |
| Insured | 15 | 44 |
| Policyholder | 16 | N.A. |
Coverage to age 64 last birthday
| Minimum | Maximum | |
| Insured | 15 | 59 |
| Policyholder | 16 | N.A. |
The minimum and maximum sum assured are S$25,000 and S$100,000 respectively. The insured may choose any amount in multiples of S$1,000. The insured cannot be covered for more than S$100,000 sum assured by buying multiple policies.
You can choose either a ‘10-year renewable policy term’ or ‘policy term till age 64 last birthday’.
If the policy term is up to age 64, we will cover the insured up to the anniversary immediately after the insured’s 64th birthday.
For the 10-year renewable policy term, we will:
- renew the policy for the same policy term and sum assured, if there is no claim under your policy during the policy term;
- renew the policy up to the anniversary immediately after the insured’s 64th birthday if the policy is renewed on or after the insured’s 45th birthday;
- require you to pay the premium based on the policy’s renewal term, sum assured and the age of the insured at the time the policy is renewed.
Yes, you can change your policy term (e.g. from ‘10-year renewable policy term’ or ‘policy term till age 64 last birthday’) within 2 years from your policy issue date. Please note that underwriting and pro-rated premium may be required.
No, the premium payable is not guaranteed and is subject to review. We will give you six months’ written notice should there be a need to revise the premium.
Premium rates are level throughout the respective policy term. For 10-year renewable term, the new premium will calculated based on the attained age at renewal.
Yes, you may backdate your policy only if ALL the conditions are met:
- You are backdating a traditional life insurance policy to qualify for a lower premium or higher minimum protection value. Backdating for investment-linked policy is not allowed.
- The policy is backdated to a date:
- one day before the Insured’s last birthday;
- within 6 months from date of receipt of application by us; and
- not earlier than the official launch date of the main plan or rider, if applicable.
No, there is no cash value for this policy as this is a non-participating policy.
No, this policy is not eligible for any bonus as this is a non-participating policy.
No, there is no surrender value as this is a non-participating policy.
Understand the details
[1] The insured must survive for at least 7 days after the insured is diagnosed with a covered female illness before we pay the female illnesses benefit. All payments are subject to the limit shown in the benefit table and the total amount under this benefit will not exceed 100% of the sum assured. You can claim for each female illness only once, except for cancer where you may claim more than once. If we pay a claim that is less than the cover limit, the percentage of the sum assured payable for this benefit will reduce accordingly. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 90 days from the cover start date. Cover start date refers to the date we issue the policy or the date we issue an endorsement to include or increase a benefit, or the date we reinstate the policy (whichever is the latest). Please refer to the policy contract for further details and definitions of insured events.
[2] We will pay the female surgeries benefit up to the limit shown in the benefit table. The total amount paid under this benefit will not exceed 50% of the sum assured. If the insured underwent multiple female surgeries due to the same condition, we will only pay for one female surgery which has the highest benefit limit. You can claim for each female surgery only once, except for surgeries due to cancer. If we pay a claim that is less than the cover limit, the percentage of the sum assured payable for this benefit will reduce accordingly. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 90 days from the cover start date. Please refer to the policy contract for further details and definitions of the insured events.
[3] You can claim for more than one insured event from female illnesses benefit, female surgeries benefit and support benefit, up to the cover limit as set out in the benefit table, provided it is not for the same illness, surgery or cause (except for cancer). If we pay a claim that is less than the cover limit, the percentage of the sum assured payable for that benefit will reduce accordingly. This policy will end when the total claims paid for the insured events under female illnesses benefit amounts to 100% of sum assured, female surgeries benefit amounts to 50% of sum assured and support benefit amounts to 100% of sum assured; or the death benefit is paid, whichever is earlier. Please refer to the policy contract for further details and definitions of the insured events.
[4] We will pay this support benefit up to the limit shown in the benefit table. The total amount paid under this benefit will not exceed 100% of the sum assured. If we pay a claim that is less than the cover limit, the percentage of the sum assured payable for this benefit will reduce accordingly. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 90 days from the cover start date, unless it is for reconstructive surgery benefit due to accidental burns or accident, or outpatient psychiatric benefit due to disfigurement from accidental burns or death of the insured’s spouse or child. Please refer to the policy contract for further details and definitions of the insured events.
[5] This benefit can be claimed only once. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 90 days from the cover start date.
[6] The biennial health screening benefit is available from the second policy anniversary of the cover start date. We will write to you when this benefit is due, provided that there are no outstanding premiums due under your policy, and the policy is still inforce. This benefit is not transferable and the health screening must be completed within 180 days from the date we write to you and conducted at any one of our panel of clinics listed on our letter to you. You can find the list of tests provided under this benefit here.
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 and conditions of this plan here. 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 28 January 2026
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Let us help you
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