^# https://www.lia.org.sg/media/3974/lia-pgs-2022-report_final_8-sep-2023.pdf 

* https://www.lia.org.sg/media/1332/protection-gap-study-report-2017.pdf, page 19

¹ https://www.channelnewsasia.com/cna-insider/healthcare-costs-rising-singapore-hospitals-government-subsidies-moh-4764391

² PA Fitness Protect covers medical expenses due to accidents during the sport, exercise or adventurous activity.

³ Most health insurance plans do not cover outpatient medical treatment without hospitalisation. Policy terms, conditions and exclusions apply.

⁴ If your pet is below six years of age at the start of the first policy year, we shall cover the following specified hereditary and congenital conditions after a 12-month waiting period from the start date of the policy, provided they are not pre-existing medical conditions:
(i) Hip and elbow dysplasia
(ii) Luxating patella
(iii) Glaucoma
(iv) Cherry eye
(v) Intervertebral disk disease (IVDD)
(vi) Conditions which require femoral head and neck excision

⁵ We will pay for this benefit if you are legally responsible for the following which is accidentally caused by your pet in Singapore:

• Bodily injury to any person
• Loss or damage to property

We will pay:

• The legal costs and expenses for representing you; and
• The amount awarded against you by the court in Singapore.

Exclusions apply.

⁶ Policy terms and conditions apply.

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.

Protected by copyright and owned by Income Insurance.