¹Pre-hospitalisation and post-hospitalisation treatment are not covered for treatment given before or after inpatient psychiatric treatment, accident inpatient dental treatment or emergency overseas treatment. We do not cover pre-hospitalisation and post-hospitalisation treatment if, under the policy, we do not pay for the inpatient hospital treatment received during the stay in the hospital. Post-hospitalisation treatment, such as medication bought during a period of post-hospitalisation treatment but not used during that period, is not covered.

If the inpatient hospital treatment is provided by our panel and paid for under the Enhanced IncomeShield Preferred plan, we will cover the cost of medical treatment the insured received in the policy year for up to 180 days before the date they went into the hospital and up to 365 days after the date they left the hospital.

Please refer to the policy conditions for further details.

²The Additional Withdrawal Limit (AWL) is the maximum MediSave limit that you can use for your Enhanced IncomeShield’s additional private insurance coverage premiums. Please refer to moh.gov.sg/healthcare-schemes-subsidies/medishield-life for the latest AWL.

³Life Insurance Association Singapore, 2022 Protection Gap Study – Singapore

⁴This plan does not cover infectious disease diagnosed within 14 days from the policy start date as well as 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.

⁵Capital guarantee on Gro Saver Flex Pro excludes any optional rider(s), on the condition all premiums are paid, and that the policy is held until maturity date with no policy alterations or claims made during the entire policy term.

⁶Gro Saver Flex Pro pays 105% of all net premium(s) paid or 101% of the cash value, whichever is higher in the event of the insured’s death or terminal illness. Net premium(s) means the regular or single premium amount as shown in the policy schedule, or the reduced regular or single premium amount if a part of this policy has been cashed in earlier. If you change the frequency of your regular premium amount, we will use the then current regular premium amount to work out all net premium(s) paid. Net premium(s) do not include the premiums paid on riders.

⁷The cash payout consists of a monthly cash benefit and a non-guaranteed cash bonus.

⁸The policyholder may choose to shorten or extend the accumulation period, by up to 5 years, in multiples of 1 year. The request to exercise this option must be made on a date: 

a) At least 2 years after the policy entry date; and 

b) At least 2 years before the end of your original or revised accumulation period, whichever is earlier.

Other terms apply for this benefit. Please refer to the policy conditions for further details.

⁹Please note that your policy benefits (including cash benefits, death benefit and surrender value), bonuses (if any) and riders (if any) may change if you change the accumulation period and/or payout period. You may request your financial advisor representative to generate the policy illustration for a different accumulation period and payout period to understand the changes in the policy benefits.

¹⁰For regular premium policy, Gro Retire Flex Pro II includes Gro Retire Flex Pro II – Protection Benefit, a non-participating compulsory rider, which provides coverage for Accidental Death Benefit, Disability Care Benefit and Retrenchment Benefit. Please refer to the policy conditions for further details.

¹¹If the policyholder is retrenched, the policyholder will not have to pay the premiums for the Gro Retire Flex Pro II – Protection Benefit rider and its basic policy for six months from the next premium due date onwards. The policyholder will have to pay premiums for the month that the policyholder starts permanent paid employment and this benefit will end. Terms apply for the benefit. Please refer to the policy conditions for further details.

¹²At the end of the fifth month when the policyholder has stopped paying premiums, the policyholder can choose to defer the premiums for the Gro Retire Flex Pro II – Protection Benefit rider, its basic policy and optional riders for the next six months.

The following will apply during the deferment period:

- Gro Retire Flex Pro II – Protection Benefit rider, its basic policy and any optional rider will remain in force;

- Anniversary remains unchanged;

- Any cash benefit payable will be paid after deducting the deferred premiums due;

- Bonus will continue to be declared; and

- The policyholder is not allowed to take a policy loan on the basic policy.

At the end of the deferment period, the policyholder will need to pay the deferred six months premium in a single payment. The policyholder can claim the Retrenchment Benefit only once under the Gro Retire Flex Pro II – Protection Benefit rider. Terms apply for the benefit. Please refer to the policy conditions for further details.

¹³This plan does not cover infectious disease diagnosed within 14 days from the policy start date as well as 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), in the affected countries, from the date of such announcement until the epidemic or pandemic ends.

¹⁴This plan pays up to $300 per week of stay in community hospital under Platinum Plan, up to 4 weeks in each policy year.

¹⁵Serious permanent disability means if you suffer 50% or more permanent disability (as shown in the scale of compensation for permanent disability benefit).

¹⁶This plan will pay for the reasonable cost for the training of one caregiver and the training will be conducted by our appointed provider.

¹⁷The policy will be renewed as long as:

- the eligibility requirements are met;

- claims have not reached the lifetime limit allowed for the respective plans; and

- the full sum insured under the final expenses or permanent disability benefits have not been claimed.

¹⁸If you become and continue to be disabled, we will pay a monthly Disability Benefit. We pay the Disability Benefit depending on the following conditions:

- When we have approved the claim, we will pay the first payment of the monthly Disability Benefit on the day immediately after the deferment period. We will then pay it on the same day every month thereafter. If we do not approve the claim until after the deferment period, the first payment of the monthly Disability Benefit will be treated as due from the day immediately after the deferment period.

- If you recover from mild disability and you have not fully used the amount under this benefit for mild disability, you may make another claim for the remaining amount if you become mildly disabled again up to the applicable limits in your lifetime.

- If you recover from the moderate disability or severe disability (where applicable) but become moderately disabled or severely disabled again, you are entitled to further payment of this benefit.

¹⁹Applicable to only moderately disabled and severely disabled. There is no limit for the total benefits paid for moderate disability and severe disability in your lifetime under the Disability Benefit.

Deferment period means the 90-day period from the claim date (inclusive). We will pay the first benefit payment immediately after the deferment period.

²⁰If you become and continue to be moderately disabled or severely disabled, we will pay the Support Benefit. We will pay the Support Benefit immediately after the deferment period. The maximum Support Benefit we will pay is 600% of the disability benefit as of the claim date. If you become moderately disabled, you can only make another claim for the remaining amount of Support Benefit if you later become severely disabled.

²¹If you have at least one dependant and you become moderately disabled or severely disabled, we pay the monthly Dependant Benefit. This benefit depends on the following conditions.

- If you recover from moderate disability or severe disability and you have not fully used the amount under this benefit, you may make another claim for the remaining amount if you become moderately disabled or severely disabled again up to the applicable limit in your lifetime.

- If the child is no longer considered a child (because of their age or otherwise) at any time after we have begun paying this benefit, we will continue to pay this benefit until your death or you recover from moderate disability or severe disability. The payment will then end.

We only have to start paying the Dependant Benefit after the deferment period.

If you recover from moderate disability or severe disability, or die after we have started paying this benefit, this benefit will end immediately on the date of your recovery or death (as the case may be).

²²If you become and continue to be moderately disabled or severely disabled, we pay the monthly Caregiver Benefit. If you recover from moderate disability or severe disability and you have not fully used the amount under this benefit, you may make another claim for the remaining amount if you become moderately disabled or severely disabled again up to the applicable limit in your lifetime. We only have to start paying the Caregiver Benefit after the deferment period. If you recover from moderate disability or severe disability, or die after we have started paying this benefit, this benefit will end immediately on the date of your recovery or death (as the case may be).

²³If your policy has not ended as a result of a claim during its term, when it ends, we will renew it for the same policy term at its prevailing sum assured. However, in any one of the situations shown below, we will renew it for a shorter term that is a multiple of five years, as long as the minimum term is 10 years. This means the renewal term will neither go beyond the original policy term, nor the anniversary immediately after the insured’s 100th birthday.

- If the original policy term is not a multiple of five years.

- If the original policy term is a multiple of five years, but the anniversary immediately after the insured’s 100th birthday falls within the next policy term.

We will continue to renew the policy in this way until the insured is 75 years or older at the time the policy is due for renewal. We will stop renewing the policy then.

²⁴You may exercise the Flexi Cash Access option to use a percentage of the basic policy’s sum assured for its cash value to receive an annual cash payout. 

The request to exercise this option must be made at least 30 days before each anniversary, starting from the anniversary: 

- the insured turns age 50; or 

- the premium term ends and all premiums have been fully paid, whichever is later. 

The cash payout will start from the anniversary immediately following our acceptance of the request and will be paid on an annual basis. 

You must fulfil the following criteria in order to exercise the option: 

- this is not a paid-up policy; 

- you do not have any policy loan on this policy; 

- the percentage of the basic policy’s sum assured you are using must be within the range of percentage determined by us; and 

- the basic policy must meet the minimum sum assured requirement and the cash payout must meet the minimum amount as determined by us.

In the event the basic policy’s sum assured has been reduced because of accelerated payment, the cash payout will continue until the basic policy’s sum assured becomes zero. We reserve the right to adjust the cash payout in the event of any claims paid under the policy. Please refer to the policy conditions for further details.

²⁵If you become and continue to be moderately disabled or severely disabled, we will pay the Support Benefit. We will pay the Support Benefit immediately after the deferment period. The maximum Support Benefit we will pay is 600% of the disability benefit as of the claim date. If you become moderately disabled, you can only make another claim for the remaining amount of Support Benefit if you later become severely disabled.

²⁶If you have at least one dependant and you become moderately disabled or severely disabled, we pay the monthly Dependant Benefit. This benefit depends on the following conditions.- If you recover from moderate disability or severe disability and you have not fully used the amount under this benefit, you may make another claim for the remaining amount if you become moderately disabled or severely disabled again up to the applicable limit in your lifetime.

- If the child is no longer considered a child (because of their age or otherwise) at any time after we have begun paying this benefit, we will continue to pay this benefit until your death or you recover from moderate disability or severe disability. The payment will then end.

We only have to start paying the Dependant Benefit after the deferment period.

If you recover from moderate disability or severe disability, or die after we have started paying this benefit, this benefit will end immediately on the date of your recovery or death (as the case may be).

²⁷If you become and continue to be moderately disabled or severely disabled, we pay the monthly Caregiver Benefit. If you recover from moderate disability or severe disability and you have not fully used the amount under this benefit, you may make another claim for the remaining amount if you become moderately disabled or severely disabled again up to the applicable limit in your lifetime. We only have to start paying the Caregiver Benefit after the deferment period. If you recover from moderate disability or severe disability, or die after we have started paying this benefit, this benefit will end immediately on the date of your recovery or death (as the case may be).

²⁸Due to insured event. 

²⁹The 24-hour referral services for road and medical assistance are available within Peninsular Malaysia, which includes Penang and Langkawi but excludes the rest of the islands. This service is applicable for Income Private Car Policyholders only.

³⁰Emergency Mobile Rescue

- We are entitled to modify or alter the manner this service is delivered without notice.

- The geographical coverage and contact details of our Emergency Mobile Rescue Service Provider is available on our website, which will be updated from time to time at our sole discretion.

- This benefit is applicable to you only one time per period of insurance. Subsequent usage will be chargeable.

- This benefit is not applicable for AC charging cars.

³¹For eDrivo Car Insurance under the unlimited battery replacement benefit, the battery replacement must be damaged arising from an accident and claimable under Section 1 of the policy.

³²Based on Income’s Happy Tails Pet Insurance Furrific plan only.

Investments are subject to investment risks including the possible loss of the principal amount invested. Before committing to the minimum investment period, you may want to consider how long is your investment expectations or needs and whether you are able to keep up with the premium payment should your financial situation change. Past performance, as well as the prediction, projection or forecast on the economy, securities markets or the economic trends of the markets are not necessarily indicative of the future or likely performance of the ILP sub-fund. The performance of the ILP sub-fund is not guaranteed and the value of the units in the ILP sub-fund and the income accruing to the units, if any, may fall or rise. A product summary and product highlights sheet(s) relating to the ILP sub-fund are available and can be obtained from your insurance advisor or online at income.com.sg/funds. A potential investor should read the product summary and product highlights sheet(s) before deciding whether to subscribe for units in the ILP sub-fund.

The precise terms, conditions and exclusions of any Income Insurance products mentioned are specified in their respective policy contracts. 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. Buying a life insurance plan is a long-term commitment on your part. If you cancel your plan prematurely, the cash value you receive (if applicable) may be zero or less than the premiums you have paid for the plan. If you find that a plan is not suitable after purchasing it, you may terminate it within the free-look period (if applicable), and obtain a refund of premiums paid. We may recover from you any expense incurred in underwriting this plan. For ILP, your refund amount may also be adjusted to reflect any change in the market value of the units the policy holds.

This is meant purely for informational purposes and does not constitute an offer, recommendation, solicitation or advice to buy or sell any product(s) or investment-linked sub-fund(s). It should not be relied upon as financial advice and it does not have regard to the specific investment objectives, financial situation, and particular needs of any person. 

These policies are 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 Insurance or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

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

Information is correct as at 14 Jan 2026.

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