Singapore · Topic
Underwriting across Singapore life insurance products
Medical examination thresholds, smoker loadings, occupational rating.
16 of 50 active products on the policy library surface a value for this topic. Each value is extracted from the insurer's Product Summary on compareFIRST.sg.
{"source_page":8,"smoker_loading":true,"occupational_rating":"A non-standard life will be subjected to higher IRC rates, which will be set out in a separate endorsement.","pre_existing_treatment":"any and all pre-existing illnesses, diseases, impairments or conditions from which the Insured is suffering prior to the Issue Date or Reinstatement Date of your Basic Policy, whichever is later, unless a declaration was made in the application for, or reinstatement of, your Basic Policy and such application is specifically accepted by us."}
{"source_page":8,"pre_existing_treatment":"We may reject your claim if the life assured has a pre-existing condition and: has not declared it in the proposal form as required for a new policy (if applicable); or has not declared it in the reinstatement form as required for a reinstatement (if applicable); or has not declared it in the application form as required for an increase in the sum assured (if applicable)."}
{"source_page":3,"pre_existing_treatment":"We may reject your claim if the life assured has a pre-existing condition and: has not declared it in the proposal form as required for a new policy (if applicable); or has not declared it in the reinstatement form as required for a reinstatement (if applicable); or has not declared it in the application form as required for an increase in the sum assured (if applicable)."}
{"source_page":4,"pre_existing_treatment":"We may reject your claim if the life assured has a pre-existing condition and: has not declared it in the proposal form as required for a new policy (if applicable); or has not declared it in the reinstatement form as required for a reinstatement (if applicable); or has not declared it in the application form as required for an increase in the sum assured (if applicable)."}
{"source_page":6,"pre_existing_treatment":"Simplified underwriting available if life assured is age 55 next birthday or younger and only base plan or base plan with GREAT CI Advantage Rider is purchased with total coverage equal to or less than S$300,000. Under simplified underwriting, claims for death, TPD or TI diagnosed due to pre-existing condition within 12 months from date of issue or reinstatement will not be payable. Full underwriting applies otherwise. Increase in basic sum assured requires medical underwriting (except for GISA Option). Increase in basic regular premium requires fi…
{"source_page":9,"smoker_loading":true,"pre_existing_treatment":"Pre-existing conditions are excluded for death benefit, TPD benefit and terminal illness benefit within 12 months from date of issue or date of reinstatement. Single premium top-ups are subject to financial underwriting."}
{"source_page":10,"smoker_loading":true,"occupational_rating":"The actual premium payable varies based on the life assured's age at entry, gender, smoker status, country of residency at inception, underwriting risk class, sum assured, premium apportionment mix and index account apportionment mix."}
{"source_page":9,"pre_existing_treatment":"We may reject your claim if the life assured has a pre-existing condition and: has not declared it in the proposal form as required for a new policy (if applicable); or has not declared it in the reinstatement form as required for a reinstatement (if applicable); or has not declared it in the application form as required for an increase in the sum assured (if applicable)."}
{"source_page":15,"smoker_loading":true,"occupational_rating":"If you are required to pay extra for medical, occupational or hazardous activities, these will be added to the assurance charge.","pre_existing_treatment":"If the symptoms of the terminal illness existed at the cover start date or date of reinstatement (if any) of this benefit, we do not pay. Disability that existed at the cover start date or date of reinstatement (if any) of this benefit is also excluded."}
{"source_page":2,"pre_existing_treatment":"A \"Pre-existing Condition\" is the existence of any signs or symptoms for which treatment, medication, consultation, advice or diagnosis has been sought or received by the life assured or would have caused an ordinary prudent person to seek treatment, diagnosis or cure, prior to the Cover Start Date or date of reinstatement (if any) of this benefit. If the life assured dies from a Pre-existing Condition within 12 months from the Cover Start Date or date of reinstatement (if any) of your policy, we cancel your policy unless the level of severity wa…
{"source_page":1,"pre_existing_treatment":"No medical underwriting is required."}
{"source_page":1,"pre_existing_treatment":"Guaranteed issuance upon application. No medical underwriting is required."}
{"source_page":4,"pre_existing_treatment":"Guaranteed acceptance upon application with no medical underwriting needed."}
{"source_page":1,"pre_existing_treatment":"This plan is offered on guaranteed issuance offer basis."}
{"source_page":1,"pre_existing_treatment":"Guaranteed issuance upon application. No medical underwriting is required."}
{"source_page":1,"pre_existing_treatment":"Guaranteed issuance upon application. No medical underwriting is required."}
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