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.

³Income Insurance will pay a Monthly Cancer Therapy Benefit as long as the insured is diagnosed with major cancer by a specialist and recommended in writing that the treatment is a necessary medical treatment for cancer according to relevant guidelines from Ministry of Health (MOH) and has started cancer treatment as advised by a specialist. Income Insurance will make the first payment starting from the policy month immediately after the cancer treatment start date. For more details on the types of cancer treatment, please refer to the policy conditions. The maximum amount Income Insurance will pay for this benefit is $60,000 per life. Income Insurance will not pay more than a total number of 12 payouts for early or intermediate stage major cancer. If the insured has already received payouts during early stage, there will not be further payouts during intermediate stage. The sum of the total number of payouts for this benefit will not exceed 24 payouts. The number of payouts for the advanced stage major cancer will be 24 less the number of payouts Income Insurance have paid for the early or intermediate stage major cancer under this benefit. Income Insurance will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, any stage of major cancer any time before or within 90 days from the cover start date. Please refer to the policy conditions for further details.

⁴Income Insurance will pay the Premium Waiver Benefit according to your selected option under the Major Cancer Benefit.

- If the policyholder selected Care 50, upon diagnosis of early or intermediate stage major cancer, Income Insurance will waive the premiums up to 60 months or end of policy term, whichever is earlier, and the policyholder will have to pay premiums thereafter. This benefit for early or intermediate stage major cancer can only be claimed once. Income Insurance will waive the premiums until the end of policy term upon diagnosis of advanced stage major cancer.

- If the policyholder selected Care 100, Income Insurance will waive the premiums until the end of policy term upon diagnosis of any stage of major cancer.

The premium waiver will start from the policy month immediately after the diagnosis date of the major cancer. The policy will continue to apply for the remaining unclaimed benefits during this premium waiver period even though the policyholder is not paying the premiums. Income Insurance will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, any stage of major cancer any time before or within 90 days from the cover start date.

⁵You 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.

⁶If 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.

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

⁷Applicable 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.

⁸If 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).

⁹If 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).

¹⁰If 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.

¹¹If the insured survives at the end of the premium term, and if all premiums for this policy have been paid for, Income Insurance will start paying the cash benefit at the end of the premium term. Income Insurance may pay a cash bonus on top of each cash benefit by applying a bonus rate to the sum assured. Income Insurance may or may not pay this cash bonus for each policy year. The percentage of the sum assured for the yearly cash benefit is dependent on the policy entry age of the original insured. If the sum assured of the policy is at least $80,000, you can choose to receive the yearly cash payouts in monthly payments. You cannot change the frequency you receive the cash benefit (yearly or monthly) after the first cash benefit is paid out. If Income Insurance pays a cash bonus on top of a cash benefit, Income Insurance will treat the cash bonus and its cash benefit as one cash benefit. Please refer to the policy conditions for further details.

¹²At the end of the premium term, if the policyholder did not cash in this policy and all premiums for this policy have been paid for, the guaranteed cash value for this policy is equal to total premiums paid, excluding premiums paid on riders. If the policyholder choose to cash in this policy partially, the sum assured after the partial cash payout cannot be less than the minimum sum assured limit or any other amount Income Insurance may tell the policyholder about. Income Insurance will use the new sum assured and reduced regular premium amount, excluding premiums paid on riders, to work out the guaranteed cash value (if any) from the policy entry date.

¹³The cash payout consists of a monthly cash benefit and a non-guaranteed cash bonus.

¹⁴The 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.

¹⁵Please 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.

¹⁶The policy will enter into a premium holiday provided the policy value is able to cover the fees and charges that continue to be due on the policy. The premium holiday charge may be payable during the premium holiday if it is within the MIP. From the 5th policy anniversary, the policyholder can take a premium holiday without any premium holiday charge up to the specified period, according to the MIP selected. Please refer to the policy conditions for further details.

¹⁷Fire is an insured event.

¹⁸Actual or attempted theft as long as force and violence are used to get into or out of the premises. You must not leave the premises unoccupied. Unoccupied means when the premises have not been lived in by you, or by a person authorised by you, for more than 60 days in a row.

¹⁹Bursting or overflowing of domestic water tanks, apparatus or pipes in your premises (but not damage to water tanks, apparatus and pipes and expenses for tracing the source of the leak). The premises must not be left unoccupied. Unoccupied means when the premises have not been lived in by you, or by a person authorised by you, for more than 60 days in a row. 

²⁰Renovations means improvements and additions made within the premises by you or any previous owner or tenant in the form of fixtures and fittings. For example, this could include flooring, built-in wardrobes and kitchen cabinets. They do not form part of the building cover.

²¹Contents means any physical and movable household items or personal belongings including money, valuables, bicycles, and personal mobility devices, kept within the premises that belong to you or your family members. Exclusions apply. Please refer to the policy contract for the exclusions and the benefit sub-limits for each type of content.

²²Income Insurance has arranged for our appointed Emergency Home Assistance company to provide policyholders with emergency plumbing, electrician, locksmith, pest control and air-conditioner repair services 24/7, subject to policy conditions. This bonus service is a complimentary service provided to you. It does not form part of the benefit provided under the policy contract. Income Insurance reserves the right to amend or discontinue the service at any time at its sole discretion without prior notice. Learn more at income.com.sg/home-insurance/EHA.

²³For the avoidance of doubt, the preferential rates for general practitioner, specialist consultations, dental treatments, vaccinations and 6-monthly medical examinations are independent from the Domestic Helper Insurance Plan and subject to separate terms and conditions. They do not constitute, nor should they be construed as a component of the Domestic Helper Insurance Plan. The Preferential Rates are provided by third-party service providers, Income Insurance bears no liability for any modifications, limitations or discontinuation of such rates.

²⁴The application (“App”) is owned, hosted and managed by MY-INSURER PTE LTD, a service provider of Income Insurance Limited (“Income Insurance”). Income Insurance may from time to time change the service provider or terminate this service without prior notice. Income Insurance is not responsible for the contents of the App, the consequences of accessing the App, any transaction in the App and the services provided in the App. The App, the service and the benefits therein are not part of any insurance policy.

²⁵This Letter of Guarantee (LOG) service is only applicable if your domestic helper is hospitalised at a Singapore government restructured hospital. The LOG limit will be up to a maximum of $60,000 per year and the LOG amount issued will depend on the actual hospital bill and is subject to our policy terms and conditions and individual hospital guidelines.

²⁶Covers pre-existing medical condition provided your domestic helper has been working in Singapore as a foreign domestic helper for more than 12 months in a row.

²⁷The accidental death or permanent disability suffered by your helper due to an injury must happen within 12 months from the date of the accident. The amount of benefit payable is subject to the scale of compensation in the policy contract.

²⁸A windscreen excess of $100 (or any other amount shown on the certificate of insurance) applies for each and every claim under the following plans: Drivo Premium, Drivo Advantage and Drivo Classic plan. For Prestige plan, the windscreen excess is $1,000 (or any other amount shown on the Schedule or certificate of insurance) applies for each and every claim.

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 Insurance Private Car Policyholders 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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