MyCoreCI Plan II

*Existing health conditions refer to Type 2 diabetes, Pre-diabetes and/or the 3 Highs (high blood pressure, high cholesterol and high Body Mass Index).

^Source: The Sunday Times © Singapore Press Holdings Limited. Extracted with permission. “3 key issues at National Day Rally 2017: Singapore’s war on diabetes”, 20 August 2017.

^^Source: National population health survey 2016/2017, Ministry of Health and Health Promotion Board, retrieved on 30 March 2020. 

Terms and Conditions apply.
For more details, please refer to the product brochure and Product Summary or speak to your preferred financial adviser representative.

¹If the Life Assured suffers from any of the covered Diabetic Conditions, we will pay an additional 20% of the Death Benefit Sum Assured, up to S$25,000 per condition per life. If we have paid part of the Death Benefit as an early payout in a previous claim, the Diabetic Conditions Benefit will be payable based on the prevailing Death Benefit Sum Assured. This benefit ceases once the additional 20% of the Death Benefit Sum Assured is fully paid out under this benefit or when the policy terminates, whichever is earlier. Only one claim can be made on the same Diabetic Condition. Any claim made on the Diabetic Conditions Benefit will not reduce the Sum Assured of the other benefits. Please refer to the Product Summary for details.

²Upon death of the Life Assured and if there is no prior claim, we will pay either:
(a) 100% of the Sum Assured; or
(b) total premiums paid;
whichever is higher.

If there is any prior claim(s) on the benefits, we will pay either:
(a) 100% of the Sum Assured less any claim(s) paid on the benefits (other than claim(s) paid on Diabetic Conditions Benefit); or
(b) total premiums paid less any claim(s) paid on the benefits;
whichever is higher.
Critical Illness Benefit, Total and Permanent Disability Benefit and Terminal Illness Benefit are early payouts of the Death Benefit. Please refer to the Product Summary for details.

³Diabetic Conditions covered:
(a) Coma due to Hyperosmolar Hyperglycemic State (HHS): A serious acute complication of diabetes characterised by severe hyperglycemia with no ketoacidosis.
(b) Limb Amputation due to Diabetic Complications: The actual undergoing of amputation of a leg / foot at ankle or above / arm / hand at wrist or above to treat gangrene that has occurred because of a complication of diabetes.
(c) Diabetic Nephropathy: A definite diagnosis of diabetic nephropathy by a Specialist and is evident by eGFR less than 30 ml/min/1.73 m² with ongoing proteinuria greater than 300mg/24 hours.
(d) Diabetic Ketoacidosis: A serious acute complication of diabetes characterised by ketoacidosis (high levels of blood acids called ketones) and hyperglycemia.
Please refer to the Product Summary for the detailed definitions of the Diabetic Conditions.

⁴If the Life Assured undergoes Angioplasty & Other Invasive Treatment For Coronary Artery, we will pay 10% of the Sum Assured (subject to the maximum claimable limit of S$25,000) and reduce the Sum Assured by the same amount. We will only pay once for Angioplasty & Other Invasive Treatment For Coronary Artery and this benefit is an early payout of the Death Benefit. All benefits for the Life Assured will continue to be payable based on the prevailing Sum Assured after we make the payment for Angioplasty & Other Invasive Treatment For Coronary Artery. Please refer to the Product Summary for details.

⁵Total premiums paid includes loadings (if any).