^Promotion terms and conditions apply. Please refer to the terms and conditions for details of the promotion.

1 This plan is available to you if you and the insured person hold a valid Singapore identification document such as a Singapore National Registration Identification Card (NRIC) or birth certificate.

1. Income Insurance Limited (“Income Insurance”) is offering the following promotion(s) (the “Promotion”) subject to these Terms and Conditions:

1.1 A customer shall be eligible to enjoy the discount on the first-year premium payable set out in the table below with the purchase of any of the following policies (collectively, the “Qualifying Policies”, and each a “Qualifying Policy”):

2. For a customer to be eligible for the Promotion:

2.1 the customer must be a Singaporean or Permanent Resident of Singapore, or a holder of a valid Singapore employment pass, work permit pass, long term visit pass or student pass;

2.2 the customer must be living in Singapore, or travel outside of Singapore for no more than 90 days during each policy year;

2.3 the customer must be the insured person’s parent or legal guardian;

2.4 the insured person must have Down Syndrome to apply for SpecialCare (Down Syndrome) Insurance and must be between 15 days and 30 years old;

2.5 the insured person must have Autism Spectrum Disorder to be applicable for SpecialCare (Autism) Insurance and must be between 15 days and 30 years old;

2.6 the application for the Qualifying Policy must be made during the Promotion Period;

2.7 the application for the Qualifying Policy must be made via Income Insurance website online at www.income.com.sg/specialcare-(down-syndrome)-insurance and/or www.income.com.sg/specialcare-(autism)-insurance and the customer must enter and successfully use the valid promotion code ‘CARE4U10’ when applying for the Qualifying Policy;

2.8 payment of the first-year premium for the Qualifying Policy must be made by way of the yearly mode and such payment of the first-year premium must be successfully received by Income Insurance during the Promotion Period.

3. A customer may not enjoy the Promotion in conjunction with any other promotion and/or incentive offered by Income Insurance.

4. A customer who applies for the Qualifying Policy within 90 days from the date of expiry or cancellation of any existing/in-force Qualifying Policy with Income Insurance will not be eligible to enjoy this Promotion.

5. The Promotion does not affect or change any term, condition and exclusion of the policy contract of the Qualifying Policy issued. The precise terms, conditions and exclusions of the Qualifying Policy are specified in the policy contract.

6. Income Insurance reserves the right to demand that the customer pays the value of the discount enjoyed by the customer (i.e. the value of the 10% discount stated in Clause 1.1 above) for any Qualifying Policy which is issued but terminated or lapsed within 6 months from the Qualifying Policy issuance date, and the customer shall immediately pay Income Insurance such amount demanded.

7. The Promotion is not exchangeable for cash or any benefit in kind.

8. Under no circumstances 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) in connection with, related to or resulting from the Promotion.

9. Income Insurance reserves the right to vary/amend the terms and conditions of the Promotion at any time without prior notice to any customer.

10. Income Insurance’s decision on all matters relating to the Promotion (including the 10% discount on first-year premium for the Qualifying Policy) shall be final, conclusive and binding. No appeal will be entertained.

You can find the usual terms and conditions of SpecialCare (Autism) Insurance at www.income.com.sg/specialcare-autism-policy-conditions.pdf and SpecialCare (Down Syndrome) Insurance at www.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 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. If you find that this plan 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 plan.

Information is correct as at 6 June 2024.