Times

have

changed.

Insurance

should too.

Evolving with the needs of today’s women, Income has updated our product offerings to better support strong, amazing ladies like you.

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Lady 360

A plan designed to meet the needs of today’s women by providing all-rounded female protection.

360º female protection plan

360º female protection plan
for peace of mind

Oocyte cryopreservation benefit

Oocyte cryopreservation benefit1 (egg freezing before chemotherapy or radiotherapy to treat cancer)
Up to 25% of sum assured

Molecular gene expression profiling test for treatment guidance benefit

Molecular gene expression profiling test for treatment guidance benefit2 due to breast cancer
Up to 15% of sum assured, capped at $7,500

Outpatient psychiatric benefit

Outpatient psychiatric benefit3 provides support for major depressive disorder or anxiety disorder due to traumatic life events
Up to 5% of sum assured

Complimentary health screening

Complimentary health screening4 tailored to your needs every 2 years
From 2nd policy anniversary onward

Waiver of premium

Waiver of premium5 upon diagnosis of a specified female illness
For the next 24 months, or until the end of the policy term (whichever is earlier)

Lady 360 allows you to live your life to the fullest with affordable premiums from $1.40 per day6. What’s more, discover exclusive treats that are specially curated for you.

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1 This benefit is payable only once. If the insured between the age of 15 to 40 years underwent oocyte cryopreservation treatment before chemotherapy or radiotherapy (target therapy is excluded) to treat cancer, we will pay 25% of the sum assured. The chemotherapy or radiotherapy treatment must be recommended by a registered medical practitioner.

We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 90 days after the cover start date. Please refer to the policy contract for further details and definitions of the insured events.

2 This benefit is payable only once. If the insured undergoes molecular gene expression profiling test, we will pay 15% of the sum assured, subject to a maximum benefit payable of $7,500. The insured must be diagnosed with breast cancer and must have undergone surgical excision of an early stage malignant breast tumour. This test must be recommended and done by a registered medical practitioner.

We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 90 days after the cover start date. Please refer to the policy contract for further details and definitions of the insured events.

3 This benefit is payable only once. If the insured was diagnosed with major depressive disorder or anxiety disorder due to traumatic life events, we will pay 5% of the sum assured. The insured must be diagnosed with the mental health condition by a registered psychiatrist in Singapore and must be under medication prescribed by a registered psychiatrist in Singapore for at least six continuous months.

We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 90 days after the cover start date, unless it is for outpatient psychiatric benefit due to disfigurement from accidental burns or death of the insured’s spouse or child. Please refer to the policy contract for further details and definitions of the insured events.

4 The health screening benefit is available from the second policy anniversary of the cover start date. Cover start date refers to the date we issue the policy or the date we issue an endorsement to include or increase a benefit, or the date we reinstate the policy (whichever is the latest). We will write to you when this benefit is due, provided that there are no outstanding premiums due under your policy, and the policy is still in force. This benefit is not transferable and the health screening must be completed within 180 days from the date we write to you and conducted at any one of our panel of clinics listed on our letter to you. You can find the list of tests provided under this benefit on our website at www.income.com.sg

5 This benefit can be claimed only once. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 90 days after the cover start date. Please refer to the policy contract for further details and definitions of the insured events.

6 Based on a monthly premium of $41.50 for a female, age 25, non-smoker who signs up for lady 360 with a sum assured of $25,000 and a premium payment term till age 64. The premium of $1.40 per day is rounded up to the nearest $0.05, assuming there are 30 days in one month.

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This is for general information only. You can find the usual terms and conditions of this plan at www.income.com.sg/lady-360-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 adviser. 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. This plan does not have any cash value.

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 websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg )

Information is correct as of 20 April 2017

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