.webp?language=en){kind=small}
Protect your loved ones against accidents and infectious diseases.
Receive 24-hour global protection[1] against injuries due to accidents and 21 infectious diseases[2].
Receive a payout of up to $60,000[3] for permanent disability due to an accident.
Receive up to $2,000[4] in each policy year for physiotherapy or psychiatric therapy expenses after an accident.
Receive up to $5,000 in each policy year in the event that the individual covered under the policy causes an accidental injury to someone or accidentally damages someone’s property while in Singapore.
Find out more about SpecialCare (Down Syndrome) Insurance.
Caring for both you and your loved ones.
Accidental death and permanent disability of policyholder
In the event you, the parent or legal guardian, passes on or becomes permanently disabled due to an accident, we will pay up to $60,000[6] to help relieve the financial load for the family.
Waiver of premiums[5]
We will waive the premiums for five years in the event of the policyholder’s death due to an accident so that your loved one can continue to remain covered.
Your coverage at a glance.
| Plan 1 | Plan 2 | |
|---|---|---|
| Key benefits | Maximum benefit limits | |
| For you (policyholder) | ||
| Accidental death and permanent disability of policyholder | Up to $30,000 in each insured person’s lifetime | Up to $60,000 in each insured person’s lifetime |
| Waiver of premium[5] due to accidental death of policyholder | Amount of premium, up to five years in each insured person’s lifetime | |
| For your loved one (insured person) | ||
| Permanent disability of insured person | Up to $30,000 each policy year | Up to $60,000 each policy year |
| Hospitalisation expenses due to accident | Up to $1,200 for each accident, maximum $5,000 each policy year | Up to $2,500 for each accident, maximum $7,500 each policy year |
| Personal liability | Up to $5,000 each policy year | |
Your policy toolkit
Eligibility
The policyholder must:
- Hold a valid Singapore identification document such as a Singapore National Registration Identification Card (NRIC), birth certificate, work pass or Long Term Visit Pass.
- Live in Singapore or travel outside of Singapore for no more than 90 days during each policy year
- Be the insured person’s parent or legal guardian
The insured person must:
- Have Down Syndrome
- Hold a valid Singapore identification document such as a Singapore National Registration Identification Card (NRIC), birth certificate, work pass or Long Term Visit Pass.
- Live in Singapore or travel outside of Singapore for no more than 90 days during each policy year
- Be between 15 days and 30 years old
Brochures
Policy conditions
Other documents
Your queries answered.
Parents of individuals with Down syndrome often encounter difficulty obtaining insurance coverage. SpecialCare (Down Syndrome) is an insurance plan to give financial protection to these individuals.
Besides having the common features of a personal accident insurance plan, this plan also offers benefits such as paying for medical expenses to treat specific infectious diseases (e.g. hand, foot and mouth disease and dengue fever), paying for physiotherapy and psychiatric treatment when the individual with Down syndrome suffers trauma after an accident; and waiving the premium for five years if the parent or legal guardian of the individual meets with an accident and dies.
Parents or legal guardians of the individual can buy our SpecialCare (Down Syndrome) plan even if the individual is covered by Medishield Life. This is because SpecialCare (Down Syndrome) pays for outpatient treatment when individual suffers an accidental injury or contracts an infectious disease which is generally not covered under a Medishield Life plan. It also helps to pay for part of the hospitalisation expenses that falls within Medishield Life’s deductible or co-insurance limit.
SpecialCare (Down Syndrome) plan also provides unique benefits such as physiotherapy and psychiatric therapy, personal liability.
Only parents or legal guardians of the person with Down syndrome can be the policyholder of SpecialCare (Down Syndrome) plan. They must hold a valid Singapore identification document such as a Singapore National Registration Identification Card (NRIC), birth certificate, work pass or Long Term Visit Pass.
Individuals aged 30 and below with Down syndrome are eligible for the SpecialCare (Down Syndrome) plan. He/She must hold a valid Singapore identification document such as a Singapore National Registration Identification Card (NRIC), birth certificate, work pass or Long Term Visit Pass. He/She must also not have any of the following medical conditions:
- Mobility problems requiring mobility aids such as walking stick, wheelchair, walker or crutches for daily movements and activities
- Epilepsy
- Total blindness and/or deafness
- Diabetes requiring insulin treatments
The minimum entry age is 15 days old and the maximum entry age is 30 years old. There is no age limit for parents and legal guardians who are policyholders but they will need to be 75 years old and below in order to be eligible for two of the benefits, Section 1- accidental death and permanent disability of policyholder; and Section 2- waiver of premium due to accidental death of policyholder.
The policy is renewable annually up to age 75. From time to time, the premiums and conditions of the policy may change upon renewal.
We may change the benefits and premiums of the policy depending on our claims experience. While Income does not seek to profit from this policy, we need to ensure that it is sustainable.
We will notify the policyholder in advance of any changes to enable the policyholder to make an informed decision about renewing the policy.
Yes, this policy covers the insured against accidents when he/she travels out of Singapore for not more than 90 days every year; except for personal liability benefit which is only valid when the accident takes place in Singapore.
The policyholder will also be covered against accidental death and permanent disability when they travel out of Singapore for not more than 90 days every year.
This benefit allows the insured to have continued coverage without having to pay premiums for up to five years if the policyholder (one of the parents or the legal guardian) passes away as a result of an accident.
The 5-year premium waiver is applicable provided that the policy renewal is accepted by Income. The 5-year time frame will help give the family sufficient time to nominate a new policyholder for the insured.
Please note that this benefit will not apply if the policyholder is above 75 years old.
The list of infectious diseases covered is as follows:
- Hand, foot and mouth disease (HFMD)
- Dengue fever (DHF)
- Avian influenza or 'bird flu' due to influenza A viral strains H5N1, H9N2 or H7N7
- Tuberculosis
- Measles
- Malaria
- Anthrax infection
- Yellow fever
- Plague
- Melioidosis or 'soil disease'
- Rabies
- Legionnaires' diease
- Chikungunya
- Nipah viral encephalitis
- Japanese viral encephalitis
- Variant Creutzfeldt-Jakob diease (vCJD) or 'mad cow diease'
- Severe acute respiratory syndrome (SARS)
- Mumps
- Rubella
- Middle eastrespiratory syndrome coronavirus (MERS-CoV)
- Zika virus
Please note that we do not cover any infectious disease from the date it has been announced as pandemic or epidemic by the health authority in Singapore or the World Health Organisation.
Final expenses benefit is a lump sum cash payment to help the family with the funeral arrangements if the insured meets with an accident and dies within 12 months from the date of the accident.
Yes, we will pay for the outpatient medical expenses up to the benefit limit of the plan, to treat injuries and the 21 listed infectious diseases.
Yes, the insured can visit the chiropractor and TCM practitioner for treatment of an injury due to an accident. However, this policy only covers treatments for injuries which happen within 90 days from the date of the accident.
List of registered Chinese medicine practitioners (http://www.healthprofessionals.gov.sg/tcmpb/en).
Mobility aids benefit will pay the actual cost of buying or renting the mobility aids after the insured meets with an accident and require the use of such mobility aids. However, the aids must be prescribed by a medical practitioner as medically necessary to help with the insured mobility.
If the insured suffers 50% or more permanent disability (based on the scale of compensation table) and it is necessary to renovate the home so that the insured can be more mobile while at home, we will pay for the reasonable expenses needed to modify the home. We will only allow for modification of the home where the insured resides. Proof of spending on modification must be sent to us within six months from the date of the permanent disability as confirmed by our medical practitioner.
All the claims payable by Income under SpecialCare (Down Syndrome) will be added up during the lifetime the insured person is covered under the policy. Once the claims paid by Income have reached the lifetime limit, the policy will no longer be valid.
Understand the details
[1] You and the insured person will be covered while in Singapore and while outside of Singapore for no more than 90 days during each policy year.
[2] Please refer to the policy contract for the list of 21 infectious diseases. We do not cover 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.
We will pay up to the limit shown in the table of coverage or up to 90 days from the date of diagnosis of the infectious disease, whichever comes first. However, we will not pay if infectious disease is diagnosed within 14 days from the policy start date.
[3] This benefit limit is applicable under Plan 2. It is subject to the scale of compensation as shown in the policy contract. We will pay this benefit if the insured person is permanently bedridden or permanently disabled within 12 months from the date of the accident.
[4] This benefit limit is applicable under Plan 2. We will pay for physiotherapy or psychiatric therapy expenses up to $200 per visit for each accident. This is provided that the insured person needs the physiotherapy or psychiatric therapy within 90 days from the date of accident as confirmed by a medical practitioner.
[5] Premium will be waived for 5 years starting from the next policy year if policyholder dies within 12 months from the date of accident. This is also provided that we accept the renewal of the policy. This benefit only applies to policyholders who are not the insured person, and not above 75 years old at the start date of the policy.
[6] This benefit limit is applicable under Plan 2. It is subject to the scale of compensation as shown in the policy contract. We will pay this benefit if the policyholder dies or becomes permanently disabled within 12 months from the date of the accident. The benefit only applies to policyholders who are not the insured person, and not above 75 years old at the start date of the policy.
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.
This is for general information only and does not constitute an offer, recommendation, solicitation or advice to buy or sell any product(s). You can find the usual terms, conditions and exclusions of this policy at income.com.sg/specialcare-downsyndrome-policy-conditions.pdf. 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 product is suitable for you, we strongly encourage you to speak to a qualified insurance advisor. Otherwise, you may end up buying a product 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. If you find that this policy is not suitable after purchasing it, you may terminate it within the free-look period and obtain a refund of premiums paid. We may recover from you any expense incurred in underwriting this policy.
Information is correct as at 28 January 2026
Learn more about caring for your loved ones.
Get expert advice on choosing the right child insurance in Singapore, with tips on coverage, benefits, and planning for your child's future.
Family insurance plans are important, but how much does it typically cost? We break it down.
The school holidays are fast approaching! Here are 10 fun activities to keep your kids busy at home!
Let us help you
.svg?language=en){kind=icon}
.svg?language=en){kind=icon}
.webp?language=en){kind=small}
.webp?language=en){kind=small}
