Add Advanced Assure Accelerator Rider to your Star Assure main plan and get the ultimate protection against future unknown diseases[3] like the recent COVID-19^ that was only discovered in December 2019.
^ A waiting period of 90 days will apply from the cover state date for Advanced Assure Accelerator rider and Major Impact Benefit.
Please see policy contract for details.
Here’s what you get with Star Assure.
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Choose from five levels of protection (up to 500% of your sum assured) against death, terminal illness, and total and permanent disability (TPD before the anniversary immediately after the insured reaches the age of 70).
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Stay covered against accidental death[1] (before the anniversary immediately after the insured reaches the age 70).
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Choose how long you want to pay for the premiums, from 5 to 30 years (in intervals of five) or up to age 64.
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You will not need to pay for premiums on your basic policy for up to six months if you are retrenched[2] and unable to find employment for three months in a row.
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Add riders to get more protection such as against early and intermediate stage dread diseases and future unknown diseases, like COVID-19[3].
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Enjoy bonuses[4] based on the performance of the Life Participating Fund.
For a closer look at what this plan offers, view our full coverage table.
Who knows what new diseases or viruses are out there waiting to strike?
Protect yourself against future unknown diseases with Advanced Assure Accelerator rider.
Need more protection?
Enhance your coverage with riders.
Advanced Assure Accelerator
Get comprehensive coverage against 39 specified dread diseases[5]. Before the anniversary immediately after the insured reaches age of 70, you can also enjoy the minimum protection value[6] based on your basic policy.
With the Major Impact Benefit[7], you will also be covered against future unknown diseases[3] including the recent COVID-19^ or serious infections if you undergo a surgery or suffer from an infection and you need to stay in an intensive care unit (ICU) for 5 days or more at a go. Only valid before the insured turns 85.
^ A waiting period of 90 days will apply from the cover state date for Advanced Assure Accelerator rider and Major Impact Benefit. Please see policy contract for details.
Early Assure Accelerator
Increase your coverage to 121 medical conditions and cover up to $350,000[8] for early and intermediate stage dread diseases. Before the anniversary immediately after the insured reaches age of 70, you can also enjoy the minimum protection value based on your basic policy.
With the Advanced Restoration Benefit[9], you will also get extra coverage for stroke with permanent neurological deficit, major cancer, and heart attack of specified severity after an early or intermediate stage dread disease claim is made.
You must attach the Advanced Assure Accelerator rider to the basic policy if you would like to add the Early Assure Accelerator rider.
The rider also provides additional payouts under the special benefit [10] [11] and juvenile benefit[11] [12].
Hospital CashAid
Enhance your coverage with Hospital CashAid rider[13] that provides payouts in the event of hospitalisation, to help reduce your out-of-pocket expenses. With the Major Impact Benefit[14], you will also be covered against future unknown diseases[3] or serious infections if you undergo a surgery or suffer from an infection and you need to stay in an Intensive Care Unit (ICU) for 5 days or more at a go.
Choose your rider term with coverage up to a maximum of age 84 (last birthday).
Early Cancer Waiver
You will not need to make future premium payments for the basic policy if you are diagnosed with early-stage cancer[15] during the term of the rider.
Dread Disease Premium Waiver
You will not need to make future premium payments for the basic policy if you are diagnosed with dread disease[5] (except for angioplasty and other invasive treatment for coronary artery) during the term of the rider.
Payor Premium Waiver
(Only applicable if the insured is not the policyholder)
You will not need to make future premium payments for the basic policy that you have bought for your loved one, if you pass away, or are totally and permanently disabled (TPD before age 70) during the term of the rider.
Enhanced Payor Premium Waiver
(Only applicable if the insured is not the policyholder)
You will not need to make future premium payments for the basic policy that you have bought for your loved one, if you pass away, are totally and permanently disabled (TPD before age 70), or are diagnosed with dread disease[5] (except for angioplasty and other invasive treatment for coronary artery) during the term of the rider.
Let us walk you through Star Assure.
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How Star Assure safeguards you
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28 years old
Mr Lim, a non-smoker, buys a Star Assure policy with a sum assured of $100,000. His premium term is up to age 64.
He chooses the coverage with minimum protection value1 of 300%.
He also supplements his plan with the Advanced Assure Accelerator rider2 with a sum assured of $100,000 and Early Assure Accelerator rider3 with a sum assured of $50,000.
Furthermore, to enhance his hospital coverage, he adds on Hospital CashAid rider4 with a sum assured of $100.
He pays an annual premium of $2,9084 as of age 28.![]()
40 years old
Mr Lim is diagnosed with early stage colon cancer and stays in the hospital for 14 days.
- Payout amount
Early Assure Accelerator rider3:
- Early and Intermediate Stage Dread Disease Benefit: $50,000 x 300% = $150,000
Hospital CashAid rider4:
Early Assure Accelerator rider3 accelerates $50,000 from the basic policy and Advanced Assure Accelerator rider2 .
Remaining sum assured on basic policy and Advanced Assure Accelerator rider2 $50,000.
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50 years old
Mr Lim contracted an infection after consuming raw fish and stayed in ICU for 14 days.
- Payout amount
Advanced Assure Accelerator rider2:
- Major Impact Benefit8: ($50,000 x 300%) x 50% = $75,000
Hospital CashAid rider4:
- Hospital Cash Benefit5: $100 x 14 days = $1,400
- Additional Intensive Care Unit Benefit5,9: $100 x 2 times x 14 days = $2,800
- Major Impact Benefit10: $100 x 10 times = $1,000
- Recovery Benefit 5,6 : $100
Major Impact Benefit8 under Advanced Assure Accelerator rider2 accelerates $25,000 (50% of $50,000) from the basic policy and Advanced Assure Accelerator rider.
Remaining sum assured on basic policy and Advanced Assure Accelerator rider2 $25,000.
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60 years old
Mr Lim is diagnosed with advanced stage liver cancer and stays in the hospital for 120 days.
- Payout amount
Advanced Assure Accelerator rider2:
- Dread Disease Benefit: $25,000 x 300% = $75,000
Early Assure Accelerator rider3:
- Advanced Restoration Benefit7 : ($50,000 x 300%) x 50% = $75,000
Hospital CashAid rider4:
Mr Lim received a total payout of $393,900 from his policy and riders. The policy and riders end.
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85 years old
If there is no claim up to this point, Mr Lim can look forward to an illustrated surrender value of $212,59111.
The above figures used are for illustrative purposes only and are rounded to the nearest dollar.
The non-guaranteed figures above are based on the assumption that the Life Participating Fund earns a long- term average return of 4.75% p.a.
Should the long-term average return be 3.25% p.a., the illustrated surrender value at age 85 would be $104,88712.
1 For Star Assure, the minimum protection value is 100%, 200%, 300%, 400% or 500% of the sum assured before the anniversary immediately after the insured reaches the age of 70, selected at the start of the policy and is applicable upon death, total and permanent disability or terminal illness. Advanced Assure Accelerator rider’s and Early Assure Accelerator rider’s minimum protection value will follow Star Assure’s minimum protection value.
2 Advanced Assure Accelerator is an accelerated whole life rider that provides coverage for dread diseases and a major impact benefit. We will not pay the dread disease benefit if the insured is diagnosed with the disease within 90 days after the cover start date for major cancer, heart attack of specified severity, coronary artery by-pass surgery, angioplasty and other invasive treatment for coronary artery or other serious coronary artery disease. For angioplasty and other invasive treatment for coronary artery, we will pay 10% of the sum assured under this rider, subject to a S$25,000 maximum sum payable (not including bonuses). The benefit for angioplasty and other invasive treatment for coronary artery will end once we make this payment. This will reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders attached to its basic policy by the same amount that we pay under this rider.
Please refer to the policy contract for further details.
Cover start date refers to the date we issue the rider; or the date we issue an endorsement to include or increase a benefit; or the date we reinstate the rider (whichever is latest).
3 Early Assure Accelerator is an accelerated whole life rider that provides coverage for early and intermediate stage dread diseases. Any payment for an early or intermediate stage specified dread disease will reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders attached to its basic policy by the same amount we pay under this rider. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with the disease at any time before or within 90 days from the cover start date for major cancer, heart attack of specified severity, other serious coronary artery disease, or coronary artery by-pass surgery. Please refer to the policy contract for further details.
If you succeed in claiming the early and intermediate stage dread disease benefit, the special benefit and juvenile benefit will end. You will stop making premium payments on the rider. The rider will continue to apply for the Advanced Restoration Benefit.
You will have to attach the Advanced Assure Accelerator rider to the basic policy if you would like to add the Early Assure Accelerator rider.
4 For Hospital CashAid, the premium will be based on the prevailing premium rates as of the insured’s age and sum assured at the anniversary. Anniversary means the last day of every 12 months from the entry date for the basic policy. Please refer to the policy contract for further details.
5We will not pay Hospital Cash Benefit, Additional Intensive Care Unit Benefit and Recovery Benefit where the insured stays in a hospital before or within 30 days from the cover start date (except for accidents).
6Recovery Benefit will only be paid once for the same stay in hospital as the Hospital Cash Benefit claim.
7You can only make a claim under the Advanced Restoration Benefit if you have previously succeeded in claiming the early and intermediate stage dread disease benefit and if your basic policy has not ended.
We will pay this benefit if the insured is diagnosed with any of the advanced stage dread diseases (stroke with permanent neurological deficit, major cancer, and heart attack of specified severity). Once we make payment under this benefit, the rider will end. We will not pay this benefit if the insured was diagnosed with the disease within 24 months after the date of diagnosis or surgical procedure, whichever applies, of any of the early or intermediate stage dread diseases. The insured must survive for at least seven days from the date of diagnosis, or after having the medical procedure, before we pay this benefit. Please refer to the policy contract for further details.
8 We will pay no more than $100,000 (not including bonuses) for each insured (no matter how many policies we have issued to cover each insured). The surgery or infection and the stay in the ICU must be directly due to the same cause and confirmed as necessary medical treatment. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with the illness any time before or within 90 days from the cover start date. Claim under the Major Impact Benefit will reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders attached to its basic policy by the same amount that we pay under this rider. This benefit can only be claimed once. Please refer to the policy contract for further details.
9We will pay the Additional Intensive Care Unit Benefit in addition to Hospital Cash Benefit. But if we have paid the Hospital Cash Benefit, up to a maximum of 750 days for the same stay in a hospital, we will not pay Additional Intensive Care Unit Benefit any further.
10The surgery or infection and the stay in the ICU must be directly due to the same cause and confirmed as necessary medical treatment. We will not pay Major Impact Benefit where the insured stays in a hospital for symptoms suffered of, had investigations for, or was diagnosed with illness any time before or within 90 days from the cover start date (except for accidents). We will pay this benefit in addition to both Hospital Cash Benefit and Additional Intensive Care Unit Benefit. We will pay this benefit to you only once per policy year. Please refer to the policy contract for further details.
11The figures in the illustration are not guaranteed and are illustrated based on the assumption that the Life Participating Fund earns a long-term average return of 4.75% per annum in the future. Returns are illustrated based on estimated bonus rates that are not guaranteed. The actual benefit payable will vary according to the future performance of the Life Participating Fund.
12The figures in the illustration are not guaranteed and are illustrated based on the assumption that the Life Participating Fund earns a long-term average return of 3.25% per annum in the future. Returns are illustrated based on estimated bonus rates that are not guaranteed. The actual benefit payable will vary according to the future performance of the Life Participating Fund.
Find the plan that’s right for you.
Whole Life Insurance
Star Assure (covers COVID-19)
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Coverage for my whole life - Total and permanent disability protection
- Terminal illness protection
- Regular premium payment
Compare with
Term Life Insurance
- Coverage up to age 100
- Guaranteed renewal when policy expires
- Terminal illness protection
- Regular premium payment
Your policy toolkit.
Eligibility and payment frequency
For policyholders
| Minimum entry age (last birthday) | Maximum entry age (last birthday) |
| 10 ^ | N.A. |
For the insured
| Premium Term | Minimum entry age (last birthday) | Maximum entry age (last birthday) |
| 5, 10, 15, 20 years | 0 | 64 |
| 25 years, Up to age 64 | 0 | 59 |
| 30 years | 0 | 54 |
^ Individuals who take up the policy on their own from 10 to 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 can make your payments monthly, quarterly, half-yearly, or yearly.
Policy conditions
Application forms
Your queries answered.
Print all queries
Footnotes
- Accidental death benefit is payable only if death happens before the anniversary immediately after the insured reaches the age of 70 and is within 365 days of the accident. 200% of the sum assured in addition to the death benefit 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 60% of the sum assured instead. Standard exclusions apply. Please refer to the policy contract for further details.
- Star Assure policy must be valid and in force for at least six months from the date we issue the policy, include or increase any benefit, or reinstate the policy (whichever is latest) with at least six months of premiums paid. Only premiums on the basic policy (excluding any supplementary riders attached) will be waived up to a maximum of six months of premiums. The retrenchment benefit can only be claimed once.
- An event (including a future unknown disease) leading to a surgery or an infection, requires a stay in ICU for 5 days or more, which is claimable under the Major Impact Benefit, subject to policy’s terms, conditions and exclusions.
- Bonus rates are not guaranteed and the benefits payable will vary according to the future performance of the Life Participating Fund.
- We will not pay the dread disease benefit if the insured is diagnosed with the disease within 90 days after the cover start date for major cancer, heart attack of specified severity, coronary artery by-pass surgery, angioplasty and other invasive treatment for coronary artery or other serious coronary artery disease. For angioplasty and other invasive treatment for coronary artery, we will pay 10% of the sum assured under this rider, subject to a S$25,000 maximum sum payable (not including bonuses). The benefit for angioplasty and other invasive treatment for coronary artery will end once we make this payment. This will reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders attached to its basic policy by the same amount that we pay under this rider. Please refer to the policy contract for further details.
Cover start date refers to the date we issue the rider; or the date we issue an endorsement to include or increase a benefit; or the date we reinstate the rider (whichever is latest).
For Dread Disease Premium Waiver and Enhanced Payor Premium Waiver, the premium waiver benefits do not apply for angioplasty and other invasive treatment for coronary artery. - For Star Assure, the minimum protection value is 100%, 200%, 300%, 400% or 500% of the sum assured before the anniversary immediately after the insured reaches the age of 70, selected at the start of the policy and is applicable upon death, total and permanent disability or terminal illness. Advanced Assure Accelerator rider’s and Early Assure Accelerator rider’s minimum protection value will follow Star Assure’s minimum protection value.
- We will pay no more than $100,000 (not including bonuses) for each insured (no matter how many policies we have issued to cover each insured). The surgery or infection and the stay in the ICU must be directly due to the same cause and confirmed as necessary medical treatment. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with the illness any time before or within 90 days after the cover start date. Claim under the Major Impact Benefit will reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders attached to its basic policy by the same amount that we pay under this rider. This benefit can only be claimed once. Please refer to the policy contract for further details.
- We will pay no more than $350,000 (not including bonuses) for each insured (no matter how many policies we have issued to cover each insured).
- You can only make a claim under the Advanced Restoration Benefit if you have previously succeeded in claiming the early and intermediate stage dread disease benefit and if your basic policy has not ended. We will pay this benefit if the insured is diagnosed with any of the advanced stage dread diseases (stroke with permanent neurological deficit, major cancer, and heart attack of specified severity). Once we make payment under this benefit, the rider will end.
We will not pay this benefit if the insured was diagnosed with the disease within 24 months after the date of diagnosis or surgical procedure, whichever applies, of any of the early or intermediate stage dread diseases. The insured must survive for at least seven days from the date of diagnosis, or after having the medical procedure, before we pay this benefit. Please refer to the policy contract for further details. - We will pay no more than $30,000 for each insured (no matter how many policies we have issued to cover each insured) for each special benefit. At most, we will pay this benefit five times, as long as each claim is not for the same special benefit as any of the earlier claims.
- We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with the disease any time before or within 90 days from the date we issue the rider, include or increase any benefit, or reinstate the rider (whichever is latest). The insured must survive for at least seven days from the date of diagnosis, or after having the medical procedure, before we pay this benefit.
- We will pay no more than $30,000 for each insured (no matter how many policies we have issued to cover each insured) for each juvenile benefit. At most, we will pay this benefit five times, as long as each claim is not for the same juvenile benefit as any of the earlier claims.
- For Hospital CashAid, the premium will be based on the prevailing premium rates as of the insured’s age and sum assured at the anniversary. Anniversary means the last day of every 12 months from the entry date for the basic policy. Please refer to the policy contract for further details.
- The surgery or infection and the stay in the ICU must be directly due to the same cause and confirmed as necessary medical treatment. We will not pay Major Impact Benefit where the insured stays in a hospital for symptoms suffered of, had investigations for, or was diagnosed with illness any time before or within 90 days from the cover start date (except for accidents). We will pay this benefit in addition to both Hospital Cash Benefit and Additional Intensive Care Unit Benefit. We will pay this benefit to you only once per policy year. Please refer to the policy contract for further details.
- You can find the list of specified early-stage cancers and their definitions in the policy contract. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with the disease anytime before or within 90 days from the date we issue the rider, include or increase any benefit, or reinstate the rider (whichever is latest). The insured must survive for at least 30 days from the date of diagnosis before we pay this benefit. If you have purchased Star Assure for yourself (1st party policy) with the Early Cancer Waiver rider, you cannot attach the Early Assure Accelerator rider.
Exclusions
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.
Important Notes
This is for general information only. You can find the usual terms and conditions of this plan in the policy conditions for Star Assure. 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. Buying a life insurance plan is a long-term commitment on your part. If you cancel your plan prematurely, the cash value you receive may be zero or less than the premiums you have paid for the plan.
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 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 of 16 October 2020.
Apply for Star Assure.
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