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Personal Accident

Introduction

As we age, the risk of accidents and injuries increases, making personal accident insurance a crucial consideration for seniors. SilverCare Insurance, offered by Income Insurance Limited, is a comprehensive solution designed specifically for individuals aged 50 and above. This innovative product provides peace of mind and financial protection against various accidents and their consequences. With coverage renewable for life and no medical check-up required, SilverCare offers a hassle-free way to safeguard your golden years. Let's explore how this product can help you age well with confidence.

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Coverage and Benefits

SilverCare Insurance offers a wide range of benefits to protect seniors against the financial impact of accidents. From accidental death coverage to comprehensive rehabilitation support, this product is designed to provide holistic protection. Let's delve into the key features and benefits that make SilverCare a valuable choice for seniors seeking personal accident insurance.

Final Expenses Benefit

Peace of Mind. SilverCare provides a $10,000 payout for final expenses in the event of accidental death, regardless of the plan chosen (Basic, Superior, or Prestige). This benefit helps ease the financial burden on your loved ones during a difficult time.

Permanent Disability Coverage

Substantial Protection. In case of permanent disability due to an accident, SilverCare offers a lump sum benefit of up to $60,000 under the Prestige plan. The coverage varies based on the plan selected, with $40,000 for Basic and $50,000 for Superior plans, providing crucial financial support for long-term care needs.

Medical Expense Reimbursement

Comprehensive Care. SilverCare covers outpatient and hospitalisation expenses due to accidents. The Prestige plan offers up to $1,500 for outpatient expenses and $6,000 for hospitalisation expenses per accident, ensuring you receive the necessary medical attention without financial stress.

Daily Hospital Income

Recovery Support. During your hospital stay due to an accident, SilverCare provides a daily hospital income of up to $100 per day for a maximum of 60 days under the Superior and Prestige plans. This benefit helps offset additional expenses incurred during hospitalization.

Mobility and Rehabilitation

Holistic Recovery. SilverCare covers mobility aids up to $2,000 per accident and rehabilitation expenses up to $1,000 per policy year under the Prestige plan. These benefits ensure you have access to necessary equipment and therapy for a smooth recovery process.

Home Care and Modification

Comfort at Home. For severe accidents resulting in 50% or more permanent disability, SilverCare offers home modification benefits up to $10,000 (Prestige plan) and home-cleaning services up to $1,000 per accident. These benefits help create a safer and more comfortable living environment during recovery.

Coverage Customization

SilverCare Insurance offers flexibility to tailor your coverage according to your needs and budget. With three distinct plans - Basic, Superior, and Prestige - you can choose the level of protection that best suits your circumstances. Each plan offers different benefit amounts, allowing you to balance comprehensive coverage with affordable premiums.

Plan Options

Flexible Protection. Choose from Basic, Superior, or Prestige plans, each offering increasing levels of coverage. The Basic plan starts at $163.50 per year for ages 50-75, while the Prestige plan offers the highest coverage at $316.81 per year for the same age group.

Premium Payment

Convenient Choices. SilverCare offers both yearly and monthly premium payment options. Monthly premiums start as low as $15.05 for the Basic plan (ages 50-75), making it easier to manage your insurance expenses according to your financial situation.

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Riders and Additional Benefits

SilverCare Insurance goes beyond basic accident coverage by offering a range of additional benefits designed to support seniors in various aspects of their recovery and daily life. These benefits enhance the overall value of the policy, providing comprehensive support in the event of an accident.

Extra Medical Coverage

Specialized Care. SilverCare provides extra medical expenses for burns, broken bones, and fractures, offering up to $3,000 per policy year under the Prestige plan. This ensures you have additional financial support for these specific injuries.

Ambulance Fee Coverage

Emergency Support. The policy covers ambulance fees up to $300 per accident under the Prestige plan, ensuring you can get immediate medical attention without worrying about transportation costs.

Senior Care Services

Comprehensive Assistance. SilverCare offers coverage for senior day-care, home-care, or nursing-home services up to $3,000 per policy year under the Prestige plan. This benefit supports your ongoing care needs following an accident.

Caregiver Training

Family Support. The policy covers the cost of training one caregiver per accident, conducted by an appointed provider. This ensures your family members or caregivers are equipped to provide proper care during your recovery.

Claims and Customer Service

Income Insurance Limited is committed to providing excellent customer service and a smooth claims process for SilverCare policyholders. To file a claim, you can visit Income's website or contact their customer service hotline at 6788 1111. The company offers multiple channels for support, including online chat and email enquiries through their website. Income's team of experienced professionals is dedicated to guiding you through the claims process and addressing any questions or concerns you may have about your SilverCare policy. Remember to keep all relevant documents and medical records handy when filing a claim to ensure a quick and efficient process.

Conclusion

SilverCare Insurance is an excellent choice for seniors aged 50 and above who want comprehensive personal accident coverage. It's particularly suitable for active seniors who want to maintain their lifestyle without worrying about accident-related expenses. Additionally, individuals caring for elderly parents might find this policy a valuable way to ensure their loved ones are protected. With its lifetime renewability and no medical check-up requirement, SilverCare offers an accessible and practical insurance solution for the golden years.

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