PA Secure

The age limit is 65 years old based on last birthday. For children age 15 days old to 15 years old, parents/guardian must be the proposer.

You can be insured as a child under this policy if you 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 policyholder for maintenance and support. For example, full-time students or national servicemen.

Yes, you can purchase this policy as long as you are a Singapore PR or hold a valid Employment Pass, Work Permit, Long Term Visit Pass or Student Pass.

You can cover yourself and/or your spouse, as well as unlimited number of your dependent 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 policyholder for maintenance and support. For example, full-time students or national servicemen.

Yes, you can cancel this plan by notifying us via email at pline@income.com.sg or call us at 6788 6616. The cancellation will take effect from the date we receive your request.

For cancellation after the 14-day free look period, we will work out and refund the premium as follows if no claim has been made under this policy.

(Period of Insurance (in days)  still left to run)/(Original period of insurance of the policy)  x 85% of the premium paid

We will not refund any premium below $37.80 @ 8% GST from 2023, $38.15 @ 9% from 2024.

Yes, you will be covered during your reservist training without any additional premium. You will be covered for any accident during your reservist training if it is undertaken as peacetime military training.

Yes, you will be covered while you are overseas for a period of 180 days from the day of departure from Singapore only. You will not be covered from the 181th day onwards till your return to Singapore.

Yes, you are covered for bodily injury, and even death, resulting from food poisoning.

Yes, you are covered against bodily injury and death while riding a motorcycle as a rider or a pillion rider at no additional premium. This is provided that you are not engaging in or practicing for racing and hill climbing contests, reliability trials and speed or duration testing.

No, your infectious diseases cover under this policy will temporarily exclude Country A from the date of announcement by WHO till this classification is lifted. However, the remaining cover in your policy will continue.

No, you will only be covered for the infectious diseases mentioned in your policy contract.

Yes, you are covered since WHO or Singapore health authorities have yet to declare it as a pandemic situation. This is provided that the infectious disease is one of those covered in your policy contract.

This policy will cover you for the costs of diagnostic procedures and tests recommended or asked for by a medical practitioner for you to be treated provided that you are confirmed to be suffering from an infectious disease and if we are also paying you for the medical expenses for the infectious disease cover under section 3.

Any insured child that is currently enrolled in a Singapore registered childcare centre or student care centre can be covered under this optional benefit.

Yes, if your child is hospitalised for 4 days or more due to an injury or a covered infectious disease and is unable to attend child care or student care, we will pay for the fees incurred by your child during the period of hospitalisation.

For example, if the monthly childcare fees (after deducting any form of subsidies) is $600 a month, and your insured child is hospitalised for 7 days out of 20 school days due to a covered infectious disease, we will pro-rate the childcare fees and pay $210. 

Yes, if your child is confined at home for more than five days under written medical advice by a medical practitioner and is unable to attend childcare or student care, we will pay for the fees incurred by your child during the period of confinement.

For example, if the monthly childcare fees (after deducting any form of subsidies) is $600 a month, and your insured child is confined at home for 7 days out of 20 school days due to a covered infectious disease, we will pro-rate the childcare fees and pay $210.

No, claims for covered event tickets must be at least $50.

If you are not the payor of the ticket, you will need to show reasonable evidence that there was prior arrangement for you to attend the event.

We will only cover the non-refundable deposit or ticket fees incurred by the insured person who is hospitalized, in this case your husband.