NTUC Income New Whole-life Comprehensive Critical Illness Vivocare 100

NTUC Income has just launched Vivo­c­are 100. It is a com­pre­hens­ive lim­ited premium, whole-life insur­ance cov­er­age against the unex­pec­ted such as death, Total Per­man­ent Dis­ab­il­ity (TPD) and extens­ive range of 100 med­ical con­di­tions for Spe­cial, Juven­ile, Early, Inter­me­di­ate and Advanced stages of Dread Diseases.

Vivo­c­are  100 covers

  • Death and Ter­minal Ill­ness – 300% Remain­ing of Sum Assured up till 65 years old, 100% of Remain­ing Sum Assured with bonuses from 65 years old onwards;
  • 32 Early-stage dread dis­eases - 50% of Remain­ing Sum Assured or up to max­imum $75K. Sub­sequent claim with total claims shall not exceed 50% of the Remain­ing Sum Assured. 7 days sur­vival period applies. Whole-life coverage;
  • 28 Intermediate-stage dread dis­ease - 100% of remain­ing Sum Assured plus bonuses or up to max­imum $150K (new dread dis­ease) or the dif­fer­ence for the same early-stage dread dis­ease already claimed within the wait­ing period of 6 months. Premium and Sum Assured are reduced upon claim. Whole-life coverage;
  • 30 Advanced stages of Dread Dis­eases — 100% of Remain­ing Sum Assured plus bonuses, or the dif­fer­ence for the same early-stage dread dis­ease already claimed within the wait­ing period of 6 months. Whole-life coverage;
  • Total Per­man­ent Dis­ab­il­ity — 100% of Remain­ing Sum Assured plus bonuses. Till 65 years old;
  • Spe­cial Dread Dis­eases — Angioplasty, Dia­betic Com­plic­a­tions, Severe Osteo­porosis, Severe Rheum­at­oid Arth­ritis, Dengue Hem­or­rhagic Fever, Sys­temic Lupus Eryth­em­atosus, Crohn’s Dis­ease, Ulcer­at­ive Colitis, Breast Recon­struct­ive Sur­gery and Pheo­chromo­cyt­oma. Till age 85. Extra 20% of Sum Assured given, up to $30K per con­di­tion, up to 5 con­di­tions per policy. 7 days sur­vival period applies;
  • Juven­ile Bene­fits – Osteo­gen­esis Imper­fecta, Severe Hae­mo­philia, Insulin Depend­ent Dia­betes Mel­litus, Kawa­saki Dis­ease, Rheum­atic Fever with Valv­u­lar Impair­ment, Type Juven­ile Spinal Amyotrophy, Wilson’s Dis­ease, Sys­temic Juven­ile Rheum­at­oid Arth­ritis, Intel­lec­tual Impair­ment due to Sick­ness or Injury and Glom­er­uloneph­ritis with Neph­rotic Syn­drome. Till age 18. Extra 30% of Sum Assured given, up to $30K per con­di­tion, up to 5 con­di­tions per policy. 7 days sur­vival period applies.

The premium option is 15-year, 20-year, 25-year, up to 64 age Last Birth Date (LBD), or 84 age LBD.