NTUC Income New Product Vivocare

NTUC Income has just launched a new lim­ited-premi­um, whole-life par­ti­cip­at­ing insur­ance plan, Vivo­c­are that cov­ers 30 early stage, 14 inter­me­di­ate stage of the 30 cor­res­pond­ing advanced stage dread dis­eases defined in the stand­ard dread dis­ease plans such as Vivo­life and Liv­ing Policy.

Vivo­c­are cov­ers

  • Early, Inter­me­di­ate and Advanced stages of Dread Dis­eases — extens­ive range of 74 med­ic­al con­di­tions whole-life;
  • Death and Ter­min­al Ill­ness – 300% of Sum Assured up till 65 years old, 100% of Sum Assured with bonuses from 65 years old onwards;
  • Total Per­man­ent Dis­ab­il­ity — till 65 years old;
  • Spe­cial Dread Dis­eases — Angioplasty, Dia­bet­ic com­plic­a­tions, severe Osteo­poros­is and severe Rheum­at­oid Arth­rit­is till age 85. Extra 20% of Sum Assured giv­en.

Vivo­C­are — Dread Dis­ease Bene­fit Cov­er­age

No. Early Stage Inter­me­di­ate Stage Advanced Stage
1 • Mod­er­ately Severe Alzheimer’s Dis­ease
• Demen­tia
• N.A. • Alzheimer’s Dis­ease
• Severe Demen­tia
2 • Revers­ible Aplast­ic Anaemia • N.A. • Aplast­ic Anaemia
3 • Bac­teri­al Men­ingit­is with Full Recov­ery • N.A. • Bac­teri­al Men­ingit­is
4 • Sur­gic­al Remov­al of Pitu­it­ary Tumour
• Sur­gery for Sub­dur­al Haemat­oma
• N.A. • Benign Brain Tumour
5 • Loss of Sight in one eye • Optic Nerve Atrophy with Low Vis­ion • Blind­ness (Loss of Sight)
6 • Coma for 48 hours • Severe Epi­lepsy
• Coma for 72 hours
• Coma
7 • Key­hole Coron­ary Bypass Sur­gery
• Coron­ary Artery Arth­rec­tomy
• Transmyocar­di­al Laser Revas­cu­lar­isa­tion
• Enhanced Extern­al Coun­ter­pulsa­tion Device Inser­tion
• N.A. • Coron­ary Artery By-pass Sur­gery
8 • Par­tial Loss of Hear­ing
• Cav­ernous Sinus Throm­bos­is Sur­gery
• Coch­lear Implant Sur­gery • Deaf­ness (Loss of Hear­ing)
9 • Enceph­al­it­is with Full Recov­ery • N.A. • Enceph­al­it­is
10 • Liv­er Sur­gery • Liv­er Cir­rhosis • End Stage Liv­er Fail­ure
11 • Severe Asthma
• Inser­tion of a Veno-cava Fil­ter
• Sur­gic­al Remov­al of One Lung • End Stage Lung Dis­ease
12 • Car­di­ac Pace­maker Inser­tion
• Peri­cardec­tomy
• Car­di­ac Defib­ril­lat­or Inser­tion
• Early Car­di­omy­opathy
• Heart Attack
13 • Per­cu­taneous Valve Sur­gery • N.A. • Heart Valve Sur­gery
14 HIV due to Assault or Occu­pa­tion­ally Acquired HIV HIV Due to Organ Trans­plant HIV Due to Blood Trans­fu­sion and Occu­pa­tion­ally Acquired HIV
15 • Sur­gic­al Remov­al of One Kid­ney • Chron­ic Kid­ney Dis­ease • Kid­ney Fail­ure
16 • Loss of Speech due to Any Causes • N.A. • Loss of Speech due to injury or dis­ease to the vocal cords
17 • Mod­er­ately Severe Burns • N.A. • Major Burns
18 • Car­cinoma in situ of Spe­cified Organs
• Early Pro­state Can­cer
• Early Thyroid Can­cer
• Early Blad­der Can­cer
• Early Chron­ic Lymph­o­cyt­ic Leuk­aemia
• Early Melan­oma
• Car­cinoma in situ of Spe­cified Organs treated with Rad­ic­al Sur­gery • Major Can­cers
19 • Facial Recon­struct­ive Sur­gery
• Spin­al Cord Injury
• N.A. • Major Head Trauma
20 • Small Bowel Trans­plant
• Corneal Trans­plant
• N.A. • Major Organ /
• Bone Mar­row Trans­plant­a­tion
21 • Early Motor Neur­one Dis­ease • N.A. • Motor Neur­one Dis­ease
22 • Early Mul­tiple Scler­osis • N.A. • Mul­tiple Scler­osis
23 • Mod­er­ately Severe Mus­cu­lar Dys­trophy • N.A. • Mus­cu­lar Dys­trophy
24 • Mild Coron­ary Artery Dis­ease • Mod­er­ate Coron­ary Artery Dis­ease • Oth­er Ser­i­ous Coron­ary Artery Dis­ease
25 • Total and Irre­vers­ible Loss of Use of One Entire Limb due to Injury or Dis­ease • Med­ic­ally Neces­sary Ampu­ta­tion of One Limb Above Knee or Elbow • Para­lys­is
26 • Mod­er­ately Severe Parkinson’s Dis­ease • N.A. • Parkinson’s Dis­ease
27 • Early Pul­mon­ary Hyper­ten­sion • Sec­ond­ary Pul­mon­ary Hyper­ten­sion • Primary Pul­mon­ary Hyper­ten­sion
28 • Early Pro­gress­ive Sclero­derma • Pro­gress­ive Sclero­derma with CREST Syn­drome • Pro­gress­ive Sclero­derma
29 • Brain Aneurysm Sur­gery
• Cereb­ral Shunt Inser­tion
• Carot­id Artery Sur­gery • Stroke
30 • Min­im­ally Invas­ive Sur­gery to Aorta
• Large Asymp­to­mat­ic Aor­tic Aneurysm
• N.A. • Sur­gery to Aorta

For fur­ther enquiry, askGinny.

Source: NTUC Income

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