Maternity 360

We will not pay any benefits under the mother’s benefit table if the insured mother commits suicide within one year from the cover start date. We will also not refund the total premiums paid.

If the insured mother dies during the term of the policy, we will pay 100% of the sum assured. All benefits for the insured mother will end when we make this payment. Coverage will continue for the insured child.

We will pay 100% of the sum assured if the insured mother is diagnosed with any of the insured events under the pregnancy complications benefit in the benefit table, due to her pregnancy of the insured child. The diagnosis must be confirmed by an appropriate medical specialist who is a registered medical practitioner. Coverage for death benefit and hospital care benefit will continue under the insured mother’s benefits. In the event the insured mother successfully delivers, then the benefits for the insured child will continue.
Pregnancy complications benefit table

The total amount paid under this pregnancy complications benefit will not exceed 100% of the sum assured. This benefit will end when we make this payment.

If the insured mother has to stay in a hospital due to any of the insured events under the hospital care benefit in the  benefit table and the hospitalisation is within 42 days after the birth of insured child, we will pay 1% of the sum assured for each day she is in the hospital, up to a maximum of 30 days and the stay must be during the policy term.

Hospital care benefit table

To avoid doubt, if the stay in hospital is due to multiple medical conditions, we will only pay 1% of the sum assured for each day the insured mother stays in the hospital.

The total amount paid under this Hospital care benefit will not exceed 30% of the sum assured. This benefit will end upon payment of 30% of the sum assured.

We will pay 100% of the sum assured if the insured child is live-born and dies within 30 days after birth.

For the insured child to be considered live-born, the gestation period shall exceed 28 weeks and at least two of the following shall be present after birth:

• There was breathing by the insured child;
• There was beating of the insured child’s heart;
• There was pulsation of the umbilical cord;
• There was definite movement of voluntary muscles of the insured child.

All benefits for the insured child will end when we make this payment. Coverage will continue under the insured mother’s benefits.

We will pay 100% of the sum assured if the insured child is live-born and is diagnosed with any of the insured events under the congenital illnesses benefit in the benefit table. The diagnosis must be confirmed by an appropriate medical specialist who is a registered medical practitioner. Coverage for death benefit and hospital care benefit will continue under the insured child’s benefits.

Congenital illness benefit table

The total amount paid under this congenital illnesses benefit will not exceed 100% of the sum assured. This benefit will end when we make this payment.

If the insured child stays in the intensive care unit or high dependency unit of a hospital due to any of the insured events under hospital care benefit in the benefit table, we will pay 1% of the sum assured for each day the insured child is in the hospital, up to a maximum of 30 days and the stay must be during the policy term. To avoid doubt, if the stay in hospital is due to multiple medical conditions, we will only pay 1% of the sum assured for each day the insured child stays in the intensive care unit or high dependency unit of a hospital.

For Phototherapy or blood transfusion for severe neonatal jaundice and premature birth, we will only cover up to 30 days from birth. The total amount paid under this hospital care benefit will not exceed 30% of the sum assured. This benefit will end upon payment of 30% of the sum assured.

If the insured child needs phototherapy treatment due to severe neonatal jaundice, we will pay 1% of the sum assured for each day of rental of the phototherapy machine, up to a maximum of 10 days. This benefit is valid only up to 30 days from birth.

The total amount paid under this outpatient phototherapy benefit will not exceed 10% of the sum assured. This benefit will end upon payment of 10% of the sum assured.

After the birth of the insured child, the insured mother may choose to take up a new policy offered by us under this benefit, for the insured child based on a simplified health declaration. We will decide the type of new policy to be offered and all the following conditions must be met.

• The insured mother must take up the new policy within 60 days after the birth of her child; and
• The insured mother may buy more than one policy, but the cover for death, total and permanent disability and dread disease for all policies, whichever is highest, must not be more than $150,000.

For example, if the insured mother buys a policy where the death cover is 180% of the sum assured, the maximum sum assured that the insured mother can buy will only be $150,000/180% = $83,333.
This benefit can be transferred to the father or legal guardian of the insured child, to take up the new policy for the insured child.

The list of plans/riders available under the simplified application benefit are:

• Star Secure Pro
• Advanced Life Accelerator
• DIRECT Star Protect Pro
• DIRECT Dread Disease Protect Pro
• AstraLink
• Critical Protect (ILP)

Above plans/riders are subject to change, please check webpage for plans that are eligible for Simplified Application benefit

If there are any other plans/riders purchased, underwriting will apply.

The entry age for the insured mother is 17 age last birthday to 44 age last birthday. She must be between 13 to 35 weeks of pregnancy at the point of application for Maternity 360.

You can buy Maternity 360 with a sum assured of $5,000 to $10,000, in multiples of $1,000.

You can only buy 1 policy for each insured child, subject to the maximum sum assured limit of $10,000 per insured per pregnancy.

If the expectant mother is carrying twins, you will need to buy 2 policies with a sum assured of $5,000 for each baby i.e. sum assured for the expectant mother is capped at $10,000.

No. Increase or decrease of sum assured is not allowed.

Maternity 360 is a single premium policy.

Yes. Health and financial underwriting (where applicable) are required.

No, you cannot backdate your policy.

These are the standard documents needed for all applications:

• Application form
• Benefits Illustration and Product Summary
• My Financial Portfolio / Fact Find Form
• Copy of proposer’s / insured’s NRIC
• Cash or cheque (Payable to "Income Insurance Limited”) where applicable
• GIRO form, where applicable

Additional documents may be required, depending on the health condition of the insured and amount of coverage.

Please submit 2 applications if the expectant mother is carrying twins. You will need to buy 2 policies with a sum assured of $5,000 for each baby i.e. sum assured for the expectant mother is capped at $10,000.

You can update the insured child’s details to the policy by emailing a clear copy of the Birth Certificate with policy number, or name of policyholder mentioned in the email to [email protected]. We will send you an endorsement once the insured child’s details has been updated to the Maternity 360 policy.

Please update the child’s details within 60 days from date of birth.

Cover commences upon underwriting approval and receipt of premium payment. We will inform you the date of commencement of cover in writing.

We will refund the premium paid if the insured mother dies while the application is being processed.

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.

You will not be able to make a nomination for Maternity 360 as the policy covers both the insured mother and child.