Panels Comparison of Benefits

	Panel	Extended Panel
Cover deductible and co-insurance	Yes, up to benefit limits
Co-payment	For Deluxe Care Rider: 5% co-payment of the benefits due under your policy For Classic Care Rider: 10% co-payment of the benefits due under your policy
Co-payment limit	Up to $3,000 limit (each policy year)
Additional non-panel payment to be made by the policyholder	N.A.	Up to $2,000 limit (each policy year)
Additional Cancer Drug Treatment Benefit	Treatment on CDL[1] co-payment	For Deluxe Care Rider: 5% co-payment of the benefits due under your rider For Classic Care Rider: 10% co-payment of the benefits due under your rider
Treatment on CDL[1] co-payment limit	Up to $3,000 limit (each policy year)
Non-CDL[2] treatment co-payment	For Deluxe Care Rider: 10% co-payment of the benefits due under your rider For Classic Care Rider: 20% co-payment of the benefits due under your rider
Non-CDL[2] treatment co-payment limit	No limit

Panel

Extended Panel

Cover deductible and co-insurance

Yes, up to benefit limits

Co-payment

For Deluxe Care Rider: 5% co-payment of the benefits due under your policy

For Classic Care Rider: 10% co-payment of the benefits due under your policy

Co-payment limit

Up to $3,000 limit (each policy year)

Additional non-panel payment to be made by the policyholder

N.A.

Up to $2,000 limit (each policy year)

Additional Cancer Drug Treatment Benefit

Treatment on CDL[1] co-payment

For Deluxe Care Rider: 5% co-payment of the benefits due under your rider

For Classic Care Rider: 10% co-payment of the benefits due under your rider

Treatment on CDL[1] co-payment limit

Up to $3,000 limit (each policy year)

Non-CDL[2] treatment co-payment

For Deluxe Care Rider: 10% co-payment of the benefits due under your rider

For Classic Care Rider: 20% co-payment of the benefits due under your rider

Non-CDL[2] treatment co-payment limit

No limit

Important Notes

Footnotes

The additional cancer drug treatment (CDL) benefit limit is based on a multiple of the MSHL Limit for cancer drug treatment, which currently ranges from $200 to $9,600 per month, depending on the cancer drug treatment. Refer to the Cancer Drug List (CDL) on the MOH website for the applicable MSHL Limit. MOH may update this list from time to time. The co-payment limit of $3,000 for each policy year applies for treatment provided by our panel or extended panel.
The additional cancer drug treatment (Non-CDL) benefit only covers treatments under drug classes A to E according to LIA's Non-CDL Classification Framework. Refer to LIA's website for more details. The co-payment based on your rider will apply and it will not have any co-payment limit.

Exclusions

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.

Important Notes

This is for general information only. You can find the usual terms and conditions in the policy conditions for Deluxe Care Rider and Classic Care Rider. 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.

This policy is 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 or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Information is correct as at 01 April 2023.

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