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Death Benefit: The cash-in value at the time we are told about the claim will be paid if the insured commits suicide within one year from the cover start date.

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Terminal Illness (TI) Benefit is not payable if your claim arises from: deliberate acts such as self-inflicted injuries, illnesses or attempted suicide; unlawful acts, provoked assault, or deliberate exposure to danger; or the effects of alcohol, drugs or any dependence.

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Total and Permanent Disability (TPD) Benefit is not payable if your claim arises from: deliberate acts such as self-inflicted injuries, illnesses or attempted suicide; unlawful acts, provoked assault or deliberate exposure to danger; or the effects of alcohol, drugs or any dependence. Under the definition of total and permanent disability (TPD), if the insured is under 65 years old, he or she must be unable to carry out any occupation or there is total physical loss. The policy does not pay if the insured is merely unable to perform the same job as before, or is unable to perform a job to which his or her training, education or experience is suited for. If the insured becomes totally and permanently disabled when the insured is 65 years old and above, the insured must be suffering from a severe disability or total physical loss. Otherwise, we will not pay the benefit. The policy also does not pay this benefit unless the insured is certified by a registered medical practitioner to have been totally and permanently disabled for at least six months in a row. The aggregate TPD and accidental TPD benefit payable on a single life, inclusive of all policies issued by Income Insurance and by any other insurer cannot be more than S$6.5 million (not including bonuses).

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Accidental Death and Accidental TPD Benefit is not payable unless death or TPD happens within 365 days of the accident. The benefit is also not payable if accidental death or accidental TPD is caused directly or indirectly by: deliberate acts such as self-inflicted injuries, suicide or attempted suicide; unlawful acts, provoked assault or deliberate exposure to danger; the effects of alcohol, drugs or any dependence; illnesses, psychological conditions or eating disorders; heat stroke; a bad reaction to drugs or medication; the effects of viruses (for example, dengue), bacteria or diseases; the negative effects or complications of medical and surgical care; treatment aimed at improving appearance, such as cosmetic surgery or any treatment relating to a previous cosmetic treatment; radiation or contamination from radioactivity; being in any aircraft, except as a fare-paying passenger in a commercial aircraft or during military operations in peacetime; military, air force or naval operations, except when carried out in peacetime; warlike operations (whether war is declared or not), war, invasion, riot, or any similar event; an accident which happens outside of Singapore, if the insured has been outside Singapore for more than 180 days in a row at the time of the accident; or an act of terrorism. However, we will pay $10,000 or 10% of the sum assured, whichever is lower, on top of the amount we pay for death or TPD benefit.

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Other Condition: After you have been continuously covered for two years from the cover start date, we will pay your claim unless: it is a case of fraud; you fail to pay a premium; the insured has a material pre-existing condition which you did not tell us about when you applied for the basic policy or rider if health declaration is required; you or the insured fail to tell us any significant information or information which is true, correct and complete which would have reasonably affected our decision to accept your application; or the claim is excluded or not covered under the terms of the basic policy or rider.

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