| Event | Coverage before the anniversary immediately after the insured reaches age of 75 or age of 80 | |||||
|---|---|---|---|---|---|---|
| Diagnosis of early or intermediate stage dread disease | Higher of the rider’s sum assured plus pro-rated bonuses[1] of the basic policy
or Minimum Protection Value[2][3]
|
|||||
| Coverage on or after the anniversary immediately after the insured reaches age of 75 or age of 80 | ||||||
| Rider’s sum assured plus pro-rated bonuses[1] of the basic policy |
Advanced Restoration Benefit [4] covers stroke with permanent neurological deficit, major cancer and heart attack of specified severity
| Event | Extra coverage - Advanced Restoration Benefit [4] |
|---|---|
|
Coverage before the anniversary immediately after the insured reaches age of 75 or age of 80 |
| 20% of the rider's minimum protection value [2][3] | |
| Coverage on or after the anniversary immediately after the insured reaches age of 75 or age of 80 | |
| 20% of the rider's sum assured |
Special Therapy Benefit [5] provides extra coverage for cell, tissue and gene therapy in the event of a catastrophic cancer, which is a first in Singapore
| Event | Coverage before the anniversary immediately after the insured reaches age of 75 or age of 80 |
|---|---|
|
20% of the rider's minimum protection value [2][3] |
| Coverage on or after the anniversary immediately after the insured reaches age of 75 or age of 80 | |
| 20% of the rider's sum assured |
The Special and Mental Benefit[6][7] provides a payout of 30% of the rider’s sum assured to cover you against 15 conditions. The Special Benefit[6][7] covers you against 10 conditions like diabetic complications and Zika before age 85. The Mental Benefit[6][7] covers you against 5 mental conditions like major depressive disorder and obsessive compulsive disorder before age 75, and Tourette syndrome before age 21.
The Juvenile Benefit[7][8] provides a payout of 20% of the rider’s sum assured to cover insured persons below the age of 18 years old for 15 conditions, including Kawasaki disease and insulin dependent diabetes mellitus.
For a complete list of conditions covered, please refer to the policy conditions.
- Bonus rates are not guaranteed and the benefits payable will vary according to the future performance of the Life Participating Fund.
- Star Secure Pro includes a non-participating compulsory rider, Star Secure Pro – Protection Benefit. This rider pays accidental death benefit, Retrenchment Benefit, Family Waiver Benefit, and part of the minimum protection value. Please refer to the policy conditions for further details.
- Minimum protection value means a percentage of the sum assured shown in the policy schedule. The minimum protection value is applicable before the anniversary immediately after the insured reaches the age of 75 or age of 80. The applicable age will be based on the option selected by you as shown in the policy schedule. You cannot change the minimum protection value and its applicable age which you chose at the start of the policy.
- 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 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 conditions for further details. - We will only pay this benefit if the insured is diagnosed with catastrophic cancer which require the insured to undergo cell, tissue and gene therapy. For policies we have issued that have Special Therapy Benefit, we will pay no more than S$50,000 (excluding bonuses) for each insured (no matter how many policies we have issued to cover each insured). We will not pay this benefit if the insured suffered symptoms of, was investigated for, or was diagnosed with the disease any time before or within 90 days from the cover start date. We will only pay this benefit if the basic policy has not ended.
- For policies issued by us that include Special Benefit or Special and Mental Benefit, we will pay no more than $30,000 for the same condition or procedure for each insured, no matter how many of such policies we have issued to cover the same insured. Please refer to the policy conditions for further details.
- 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 cover start date. 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.
Exclusions
There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy conditions for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.
Important Notes
This page is for general information only. You can find the usual terms, conditions and exclusions of this plan in the policy conditions for Star Secure Pro. 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 can be substantially 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 websites of the General Insurance Association of Singapore (www.gia.org.sg), the Life Insurance Association, Singapore (www.lia.org.sg) or Singapore Deposit Insurance Corporation (www.sdic.org.sg).
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information is correct as at 29 August 2023.
