All ages mentioned refer to age next birthday

1. Source: National Cancer Centre Singapore, “Breast cancer today”, retrieved on 11 August 2025 from: https://www.nccs.com.sg/about-nccs/news/publications/in-good-health/issue-10/breast-cancer-today

2. Source: The Straits Times, “Princess of Wales’ diagnosis highlights rise in cancer cases among those under 50”, retrieved on 11 August 2025 from https://www.straitstimes.com/singapore/rise-of-cancer-among-those-under-50-highlighted-by-princess-of-wales-diagnosis

3. Source: The Straits Time, “More younger adults diagnosed with early-onset colorectal cancer in Singapore”, retrieved on 11 August 2025 from https://www.straitstimes.com/life/more-younger-adults-diagnosed-with-early-onset-colorectal-cancer-in-singapore

4. Source: The Straits Times, “A third of patients with aggressive lymphoma face relapse or death, new drugs offer hope: Study”, retrieved on 28 June 2025 from https://www.straitstimes.com/singapore/health/a-third-of-patients-with-aggressive-lymphoma-face-relapse-or-death-new-drugs-offer-hope-study 

5. Source: SingHealth, “Stroke symptoms and treatments”, retrieved on 28 June 2025 from https://www.singhealth.com.sg/symptoms-treatments/stroke#:~:text=There%20is%20a%205%25%20to%2015%25%20chance%20a,stroke%20%28Part%202%29%3A%20Where%20can%20you%20seek%20support%3F 

6. Source: The Straits Times, “‘Altruistic’ cancer cells die to let others survive so breast cancer recurs, 10-year study shows”, retrieved on 28 June 2025 from https://www.straitstimes.com/singapore/altruistic-cancer-cells-die-to-let-others-survive-so-breast-cancer-recurs-10-year-study-shows

7. Please take note of the following waiting periods:

1) Under Critical Illness (CI) Benefit, there is a one-year waiting period between claims made under the early, intermediate and severe stage CI Benefit. However, there is no waiting period required between an early or intermediate stage CI claim and a first severe stage CI of the same CI group for the activation of premium waiver or Advance Care Option.

2) Under the Recurrent Critical Illness Benefit, there is a two-year waiting period between two Recurrent Critical Illness Benefit claims.

If more than one Critical Illness covered under the Critical Illness Benefit and/or Recurrent Critical Illness Benefit is diagnosed on the same date, we will only admit one claim with the highest possible benefit payout for the Critical Illness diagnosed. For more details on the benefits, waiting periods and the complete list of early, intermediate and severe stage critical illnesses covered in this plan, please refer to the Product Summary.

8. Please refer to the Product Summary for the complete list of early, intermediate and severe stage critical illnesses covered under this plan.

9. Recurrent Critical Illness Benefit pays 150% of the Sum Assured per eligible claim, up to two claims (maximum total 300% of the Sum Assured). It covers six specified severe stage conditions and their recurrences. This benefit applies if the Life Assured is diagnosed with:

(i) any one of the specified Severe Stage Critical Illnesses covered under this benefit, provided the Critical Illness Benefit has ceased; or

(ii) any one of the Recurrent Critical Illnesses covered under this benefit.

The benefit will cease once 300% of the Sum Assured is fully paid out, or when the Advance Care Option is successfully exercised under the Policy, whichever is earlier. Waiting periods and a survival period apply. Please refer to the Product Summary for full details of the benefit terms and conditions.

10. You may exercise the Advance Care Option if the Life Assured is diagnosed with any one of the eligible Severe Stage Critical Illnesses specified under this option for the first time. If this option is successfully exercised, an additional 75% of the Sum Assured will be payable in one lump sum; and the Recurrent Critical Illness Benefit shall cease. Survival period is applicable to this option. Please refer to the Product Summary for more details on the terms and conditions for the Advance Care Option.

11. If your coverage amount is not in Singapore dollars, any benefit limit stated in Singapore dollars will be converted to the equivalent amount in your chosen currency, based on our currency conversion rates.

12. Only one claim is allowed under this benefit. An additional 20% of the Sum Assured will be payable subject to a cap of S$25,000 (or equivalent currency) per life. Per life refers to the maximum amount payable to an insured individual, taking into account the policy and all other policies that insure the same individual. This benefit shall cease on the date on which a claim is made, on the Policy Anniversary in which the Life Assured is 85 years old, or upon the expiry of the Policy, whichever is earliest. Waiting period and survival period are applicable. Please refer to the Product Summary for more details on the benefit terms and conditions including the definitions of Benign Tumour (suspected malignancy) requiring surgical excision and Borderline Malignant Tumour.

13. Only one claim is allowed under this benefit. An additional 20% of Sum Assured will be payable subject to a cap of S$25,000 (or equivalent currency) per life. Per life refers to the maximum amount payable to an insured individual, taking into account the policy and all other policies that insure the same individual. The Intensive Care Unit (ICU) stay of 4 days or more (due to illness or accident) must be in one hospital admission in Singapore and must be confirmed as Necessary Medical Treatment. A stay in ICU will not be considered as Necessary Medical Treatment if the Life Assured can be safely and adequately treated in any other facility. This benefit shall cease on the date on which a claim is made, on the Policy Anniversary in which the Life Assured is 85 years old, or upon the expiry of the Policy, whichever is earliest. Waiting period and survival period are applicable. Please refer to the Product Summary for more details on the benefit terms and conditions.

14. If the Life Assured is diagnosed with any one of the 34 conditions covered, an additional 20% of the Sum Assured will be payable, capped at S$25,000 (or equivalent currency) per life per condition. Only one claim is payable for each condition and a maximum of six claims are allowed under this benefit. This benefit shall cease on the date on which the sixth claim is made, on the Policy Anniversary in which the Life Assured is 18 or 85 years old (based on covered conditions), or upon the expiry of the Policy, whichever is earliest. Waiting period (for specific conditions) and survival period are applicable. Please refer to the Product Summary for more details on the benefit terms and conditions.