¹ The Additional Withdrawal Limit (AWL) is the maximum MediSave limit that you can use for your Enhanced IncomeShield’s additional private insurance coverage premiums. Please refer to moh.gov.sg/healthcare-schemes-subsidies/medishield-life for the latest AWL.

² Under Basic, Classic and Superior Plan for children who are:
 - under 18 years of age; or
 - under 25 years of age, unmarried and not on full-time employment, and are primarily dependent on the insured person for maintenance and support. For example, full-time students or national servicemen.

³ This plan does not cover infectious disease diagnosed within 14 days from the policy start date as well as any infectious disease which has been announced as:
 (a) an epidemic by the health authority in Singapore or the Government of the Republic of Singapore; or
 (b) a pandemic by the World Health Organisation (WHO), from the date of such announcement until the epidemic or pandemic ends.

⁴ The policy will be renewed as long as:

- the eligibility requirements are met;

- claims have not reached the lifetime limit allowed for the respective plans; and

- the full sum insured under the final expenses or permanent disability benefits have not been claimed.

⁵ This plan does not cover infectious disease diagnosed within 14 days from the policy start date as well as any infectious disease which has been announced as: 
 (a) an epidemic by the health authority in Singapore or the Government of the Republic of Singapore; or
 (b) a pandemic by the World Health Organisation (WHO), in the affected countries, from the date of such announcement until the epidemic or pandemic ends.

⁶ Information taken from CPF. https://www.cpf.gov.sg/member/healthcare-financing/eldershield

⁷ Information taken from CPF. https://www.cpf.gov.sg/member/healthcare-financing/careshield-life

⁸ If you become and continue to be disabled, we will pay a monthly Disability Benefit. We pay the Disability Benefit depending on the following conditions:
 - When we have approved the claim, we will pay the first payment of the monthly Disability Benefit on the day immediately after the deferment period. We will then pay it on the same day every month thereafter. If we do not approve the claim until after the deferment period, the first payment of the monthly Disability Benefit will be treated as due from the day immediately after the deferment period.
 - If you recover from mild disability and you have not fully used the amount under this benefit for mild disability, you may make another claim for the remaining amount if you become mildly disabled again up to the applicable limits in your lifetime.
 - If you recover from the moderate disability or severe disability (where applicable) but become moderately disabled or severely disabled again, you are entitled to further payment of this benefit.
Deferment period means the 90-day period from the claim date (inclusive). We will pay the first benefit payment immediately after the deferment period.

⁹ Applicable to only moderately disabled and severely disabled. There is no limit for the total benefits paid for moderate disability and severe disability in your lifetime under the Disability Benefit.

¹⁰ If there are insufficient funds in the designated MediSave account or if the premium exceeds the MediSave withdrawal limit of up to $600 per insured per calendar year, cash payments will be required for the difference.

¹¹ If you become and continue to be moderately disabled or severely disabled, we will pay the Support Benefit. We will pay the Support Benefit immediately after the deferment period. The maximum Support Benefit we will pay is 600% of the disability benefit as of the claim date. If you become moderately disabled, you can only make another claim for the remaining amount of Support Benefit if you later become severely disabled.

¹² Due to insured event.

¹³ For eDrivo Car Insurance under the unlimited battery replacement benefit, the battery must be damaged arising from an accident and claimable under Section 1 of the policy.

¹⁴ Emergency Mobile Rescue

- We are entitled to modify or alter the manner this service is delivered without notice.

- The geographical coverage and contact details of our Emergency Mobile Rescue Service Provider is available on our website, which will be updated from time to time at our sole discretion.

- This benefit is applicable to you only one time per period of insurance. Subsequent usage will be chargeable.

- This benefit is not applicable for AC charging cars.

¹⁵ Cyber hacking by malicious act of gaining unauthorised access to your vehicle systems by any unauthorised person or entity.

¹⁶ A windscreen excess of $100 (or any other amount shown on the certificate of insurance) applies for each and every claim under the following plans: Drivo Premium, Drivo Advantage and Drivo Classic plan. For Prestige plan, the windscreen excess is $1,000 (or any other amount shown on the Schedule or certificate of insurance) applies for each and every claim.

¹⁷ Capital guarantee on Gro Saver Flex Pro excludes any optional rider(s), on the condition all premiums are paid, and that the policy is held until maturity date with no policy alterations or claims made during the entire policy term.

¹⁸ Bonus rates are not guaranteed and will vary according to the future performance of the Life Participating Fund.

¹⁹ The policyholder may choose to shorten or extend the accumulation period, by up to 5 years, in multiples of 1 year. The request to exercise this option must be made on a date

 a) At least 2 years after the policy entry date; and

b) At least 2 years before the end of your original or revised accumulation period, whichever is earlier.

Other terms apply for this benefit. Please refer to the policy conditions for further details.

²⁰ Please note that your policy benefits (including cash benefits, death benefit and surrender value), bonuses (if any) and riders (if any) may change if you change the accumulation period and/or payout period. You may request your financial advisor representative to generate the policy illustration for a different accumulation period and payout period to understand the changes in the policy benefits.

Investments are subject to investment risks including the possible loss of the principal amount invested. Before committing to the minimum investment period, you may want to consider how long is your investment expectations or needs and whether you are able to keep up with the premium payment should your financial situation change. Past performance, as well as the prediction, projection or forecast on the economy, securities markets or the economic trends of the markets are not necessarily indicative of the future or likely performance of the ILP sub-fund. The performance of the ILP sub-fund is not guaranteed and the value of the units in the ILP sub-fund and the income accruing to the units, if any, may fall or rise. A product summary and product highlights sheet(s) relating to the ILP sub-fund are available and can be obtained from your insurance advisor or online at income.com.sg/funds. A potential investor should read the product summary and product highlights sheet(s) before deciding whether to subscribe for units in the ILP sub-fund.

The precise terms, conditions and exclusions of any Income Insurance products mentioned are specified in their respective policy contracts. 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 (if applicable) may be zero or less than the premiums you have paid for the plan. If you find that a plan is not suitable after purchasing it, you may terminate it within the free-look period (if applicable), and obtain a refund of premiums paid. We may recover from you any expense incurred in underwriting this plan. For ILP, your refund amount may also be adjusted to reflect any change in the market value of the units the policy holds.

This is meant purely for informational purposes and does not constitute an offer, recommendation, solicitation or advice to buy or sell any product(s) or investment-linked sub-fund(s). It should not be relied upon as financial advice and it does not have regard to the specific investment objectives, financial situation, and particular needs of any person. 

These policies are 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 websites (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 14 Jan 2026.

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