^ To qualify for the cashback, you have to sign up for any qualifying Critical Illness Plans, including any applicable rider(s) (“Qualifying Policy”) during the promotion period. Each successful customer would only be entitled to receive the cashback once for each Qualifying Policy. Other terms and conditions apply.

For enquiries on the Promotion, Customers may reach out to Income via csquery@income.com.sg.

  1. Income Insurance Limited (“Income Insurance”) is offering the following promotion(s) (the “Promotion”) subject to these Terms and Conditions:
    1.1. With the purchase of a Complete Cancer Care or Complete Critical Protect Plan (collectively the “Qualifying Policies”, and each a “Qualifying Policy”), including any applicable riders, customers will be eligible to receive Cashback of 20% on their first-year premium amount paid in accordance with the table above.
    1.2. Premium Cashback amount is applicable to first-year premium only.
  2. A customer shall be eligible to enjoy the Promotion with the purchase of any of the protection plan policies, including any applicable rider(s):
    2.1. Complete Cancer Care; and
    2.2. Complete Critical Protect
    (collectively the “Qualifying Policies”, and each a “Qualifying Policy”).
  3. Applications for Qualifying Policies, including the rider(s), must be submitted to Income Insurance from 30 January 2024 to 30 April 2024 (both dates inclusive) (the “Promotion Period”), and if such applications are approved by Income Insurance, the policies must be issued no later than 30 June 2024 for a customer to be eligible to enjoy the Promotion.
  4. A customer may not enjoy the Promotion in conjunction with any other promotion and/or incentive offered by Income Insurance.
  5. A customer who is eligible to enjoy the Promotion is entitled to Cashback only once under this Promotion for each Qualifying Policy.
  6. Income Insurance reserves the right to demand from a customer the full value of the Cashback received by a customer under this Promotion where Qualifying Policy(ies) are issued but cancelled/terminated by Income Insurance or customer, or lapsed by the customer within 6 months from the policy issue date, and the customer shall immediately pay Income Insurance such amount demanded. The full value of the Cashback refers to the amount equivalent to the Applicable Percentage of Cashback on First-Year Premium Amount received by the customer.
  7. A customer who successfully signed up for a Qualifying Policy and rider (if applicable) set out in the table at the webpage above will be entitled to the corresponding Cashback as set out in the said table. Income Insurance will notify the customer who is entitled to the Cashback via letter delivered to the customer’s address registered with Income Insurance.
  8.  The Cashback will be paid to the customer via the customer’s PayNow account (registered with the customer’s NRIC) within 45 working days. Proof of credit into the customer’s PayNow account shall be deemed as conclusive evidence of delivery and receipt of the Cashback.
  9. If the Cashback paid via PayNow is not successfully credited to the customer’s PayNow within 45 working days of issuance date of qualifying policy(ies), a second attempt to credit the Cashback will be sent by cheque to the customer’s latest mailing address in Income Insurance’s record.
  10. At least one (1) month’s premium for the Qualifying Policy or Qualifying Policies must be paid upfront and received by Income Insurance during the Promotion Period for a customer to be eligible for this Promotion.
  11. Cashback is not exchangeable for vouchers or any benefits-in-kind.
  12. If a customer applies for more than one Qualifying Policy, the customer will receive the respective Cashback based on the policy or policies issued to the corresponding Qualifying Policy.
  13. Income Insurance reserves the right to replace the Cashback with item(s) of similar value (“Replacement Item(s)”).
  14. The Promotion does not affect or change any term, condition or exclusion of the policy contract of the Qualifying Policies issued. The precise terms, conditions and exclusions of the Qualifying Policies are specified in their respective policy contracts.
  15. Under no circumstance shall Income Insurance be liable to any customer or party, whether in contract, tort (including negligence) or otherwise, for any liabilities, losses, damages, claims, costs and expenses (including any special or consequential damages or losses) directly or indirectly in connection with, related to or resulting from the Promotion and/or use of the Cashback and Replacement Item(s).
  16. In the event where Replacement Item(s) are issued:
    16.1. usage of the Replacement Item(s) shall be subject to terms and conditions imposed by the merchant or manufacturer of the Replacement Item(s);
    16.2. Income Insurance is not the merchant or manufacturer of the Replacement Item(s) and provides no warranty in respect of the same. Income Insurance makes no warranties and shall not be responsible for all warranties, expressed or implied, including implied warranties of merchantability, fitness for a particular purpose, and infringement of intellectual property rights in respect of the Replacement Item(s);
    16.3. no joint venture, sponsorship, tie up, agency or any other relationship is intended or created between Income Insurance and merchant or manufacturer of the Replacement Item(s);
    16.4. neither is this Promotion intended or deemed to be a connection with or use of the brand name of the merchant or manufacturer of the Replacement Item(s).
  17. Income Insurance reserves the right to vary/amend the terms and conditions of this Promotion at any time without prior notice to customers.
  18. Income Insurance’s decision on all matters relating to this Promotion shall be final, conclusive and binding. No appeals will be entertained.

All of Income Insurance’s products are developed to benefit our customers but not all our products may be suitable for your specific needs. If you are unsure if a product is suitable for you, we strongly encourage you to speak to a qualified Income Insurance advisor. Otherwise, you may end up purchasing 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 seek. This plan does not have any cash value.

The precise terms, conditions and exclusions of the Complete Critical Protect plan are specified in www.income.com.sg/complete-critical-protect-policy-conditions.pdf, and Complete Cancer Care plan in www.income.com.sg/complete-cancer-care-policy-conditions.pdf.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Protected up to specified limits by SDIC.

Information is correct as at 1 April 2024.