New insurance plans for ladies and pregnant women

NTUC Income has just launched another 2 plans spe­cially designed for the women.

Lady 360 provides cov­er­age for spe­cific female ill­nesses, and sur­ger­ies as well as post dia­gnosis sup­port and bien­nial health screening.

Mater­nity 360 is spe­cific­ally designed to provide cov­er­age for an expect­ant mother between 13 weeks to 35 weeks of preg­nancy who suf­fers from preg­nancy com­plic­a­tions, is hos­pit­al­ized due to child­birth com­plic­a­tions or dies.  Her child is covered if dia­gnosed with con­gen­ital ill­nesses, admit­ted to an intens­ive care unit or high depend­ency unit of a hos­pital or dies.

Lady 360

Lady 360 is a non-participating, reg­u­lar premium plan spe­cific­ally designed to meet the pro­tec­tion needs of women who are from 15 to 59 years old. It provides cov­er­age for death, spe­cific female ill­nesses, and sur­ger­ies as well as post dia­gnosis sup­port and bien­nial health screen­ing for the insured up to age 64 years old. The min­imum sum assured is $25,000 and the max­imum is $100,000, and it can be increased in mul­tiples of $1,000.

The bene­fits include:-

  • Female Ill­nesses Benefit

100% Sum Assured – Chronic autoim­mune hep­at­itis; Malig­nant can­cer of female sites; Rheum­at­oid arth­ritis; SLE with lupus nephritis.

50% Sum Assured – Car­cinoma in situ of female sites; Osteo­porotic frac­tures of the hip and ver­tebra requir­ing sur­gery or repair.

  • Waiver of premium Bene­fit – Upon suc­cess­ful claim of Female Ill­nesses Bene­fit, premium will be waived for 24 months or till end of policy term, whichever is earlier.
  • Female Sur­ger­ies Benefits

50% of Sum Assured – Rad­ical vul­vec­tomy; Wertheim’s oper­a­tion; Uterus, total pel­vic exenteration

30% of Sum Assured – Breast lumpec­tomy – bilat­eral; Mastec­tomy – bilat­eral or uni­lat­eral; Hys­ter­ec­tomy; Com­plic­ated repair of fistula

15% of Sum Assured – Breast lumpec­tomy – uni­lat­eral; Urin­ary incon­tin­ence requir­ing sur­gery; Uter­ine pro­lapse requir­ing sur­gery; Thyroid dis­orders requir­ing sur­gery; Poly­cystic ovarian syn­drome requir­ing surgery.

  • Sup­port Bene­fit

100% Sum Assured –Recon­struct­ive sur­gery due to mastec­tomy fal­low­ing breast can­cer or car­cinoma in situ of the breast, malig­nant skin can­cer, acci­dental burns and accident.

25% Sum Assured – Oocyte cryo­p­reser­va­tion benefit

15% of Sum Assured – Molecu­lar gene expres­sion pro­fil­ing test for treat­ment guid­ance for breast cancer

5% Sum Assured – Out­pa­tient psy­chi­at­ric and hor­mone replace­ment therapy.

  • Care Bene­fit – Bien­nial Health Screen­ing and Lady 360 treats
  • Death Bene­fit - $10,000

Mater­nity 360

Mater­nity 360 is a 3-year non-participating, single premium plan spe­cific­ally designed to provide cov­er­age for an expect­ant mother and her child. The mother has to be from 17 to 44 years old and between the 13 weeks to 35 weeks of preg­nancy. Mater­nity 360 provides cov­er­age for the insured mother if she suf­fers from preg­nancy com­plic­a­tions, is hos­pit­al­ised due to child­birth com­plic­a­tions or dies. It also provides cov­er­age for the insured child if the insured child is dia­gnosed with con­gen­ital ill­nesses, admit­ted to an intens­ive care unit or high depend­ency unit of a hos­pital or dies. The Sum Assured (S.A.) is between $5,000 and $10,000 and can increase in mul­tiple of $1,000.

Mother’s Bene­fit Table

Preg­nancy Com­plic­a­tion Bene­fits – Abrup­tio pla­centae; Acute fatty liver of preg­nancy; Amni­otic fluid embol­ism; Chori­ocar­cinoma and malig­nant hydatidi­form mole; Dis­sem­in­ated intravas­cu­lar coagu­la­tion; Ectopic preg­nancy; Pla­centa increta or per­creta; Post­partum haem­or­rhage requir­ing hys­ter­ec­tomy; Pre-eclampsia or eclamp­sia Still birth.

Hos­pital Cash Bene­fit - Inpa­tient psy­chi­at­ric treat­ment; Post-natal anaemia; Puer­peral pyr­exia; Pul­mon­ary embol­ism; Repair of 4th degree per­neal tear; Sep­tic pel­vic throm­bophle­bitis; Sur­gical site infec­tion or trans­fu­sion due to retained pla­centa fol­low­ing child­birth. 1% of Sum Assured per each day of hos­pital stay, up to 30% of S.A..

Death Bene­fit – 100% of Sum Assured will be payable.

 

Child’s Bene­fit Table

Con­gen­ital Ill­nesses Bene­fits – Absence of two limbs; Anal atresia; Atrial septal defect; Bil­i­ary atresia; Cereb­ral palsy; Cleft lip and cleft pal­ate; Club foot; Con­gen­ital blind­ness; Con­gen­ital catar­act; Con­gen­ital deaf­ness; Con­gen­ital dia­phrag­matic her­nia; Con­gen­ital hyper­trophic pyloric sten­osis; Devel­op­ment dys­plasia of the hip; Down’s syn­drome; Infant­ile hydro­ceph­alus; Pat­ent duc­tus arteriosus; Ret­ino­pathy of pre­ma­tur­ity; Spina bifida; Tet­ra­logy of fal­lot; Trancheo-esophageal fis­tula or eso­pha­geal atresia; Trans­pos­i­tion of the great ves­sels; Trun­cus arteriosus; Ventricu­lar septal defect.

Hos­pital Cash Bene­fit – Bron­chitis; Dengue haem­or­rhagic fever; Hand, foot and mouth dis­ease; Incub­a­tion imme­di­ately after birth for more than 3 con­sec­ut­ive days; Pho­to­ther­apy or bold trans­fu­sion for severe neonatal jaun­dice; Pneu­mo­nia; Pre­ma­ture Birth. 1% of S.A. for each day of hos­pital stay, up to 30% of S.A..

Out­pa­tient Pho­to­ther­apy Bene­fit – Pho­to­ther­apy treat­ment due to severe neonatal jaun­dice. 1% of S.A. for each day of hos­pital stay, up to 30% of S.A..

Sim­pli­fied Applic­a­tion Bene­fit – Child can buy a new policy based on sim­pli­fied health declar­a­tion within 60 days after birth. Max­imum S.A. is $150,000 and cur­rent eli­gible plans are Vivo­life, Viv­alink, Revosave, VivoChild.

Death Bene­fit – 100% of Sum Assured will be payable.