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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