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Personal Accident

Introduction

In today's world, protecting our loved ones, especially those with special needs, is of paramount importance. For parents of children with autism, finding comprehensive insurance coverage can be challenging. That's where SpecialCare (Autism) comes in – the first insurance plan specially designed for children with Autism. Offered by Income, this innovative product provides comprehensive protection for both parent and child, ensuring peace of mind and financial security. With premiums starting from as low as $0.55 per day, SpecialCare (Autism) offers a range of benefits tailored to meet the unique needs of families affected by autism.

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Coverage and Benefits

SpecialCare (Autism) offers a comprehensive range of benefits designed to provide financial protection and support for both the child with autism and their parent or caregiver. From accident-related expenses to personal liability coverage, this plan addresses various aspects of care and protection. Let's explore the key benefits in detail:

Accidental Death Benefit

Financial Protection: In the unfortunate event of accidental death, the policy provides a lump sum payout. For the insured child, this benefit is included in the form of final expenses coverage of $5,000.

Permanent Disability Benefit

Lifelong Support: The plan offers up to $60,000 (Plan 2) for permanent disability due to accident. This benefit applies to both the insured child and the policyholder, providing crucial financial support in case of severe disabilities.

Medical Expense Reimbursement

Comprehensive Coverage: SpecialCare (Autism) covers both outpatient and hospitalization expenses due to accidents. Plan 2 offers up to $3,000 for outpatient expenses and up to $7,500 for hospitalization expenses per policy year.

Daily Hospital Income

Additional Support: The policy provides a daily hospital income benefit of up to $75 per day (Plan 2) for a maximum of 60 days for each accident, offering extra financial assistance during hospital stays.

Other Benefits

Holistic Protection: The plan includes coverage for ambulance fees (up to $500 per policy year), mobility aids (up to $1,000 in Plan 2), and physiotherapy and psychiatric therapy (up to $2,000 in Plan 2). It also offers personal liability coverage of up to $5,000 per policy year.

Coverage Customization

SpecialCare (Autism) offers flexibility to suit different needs and budgets. The plan comes in two variants, allowing policyholders to choose the level of coverage that best fits their requirements. Here's how you can customize your coverage:

Plan Options

Flexible Choices: SpecialCare (Autism) is available in two plans - Plan 1 and Plan 2. Plan 2 offers higher benefit limits across various categories, allowing for more comprehensive coverage at a slightly higher premium.

Premium Options

Affordable Protection: The yearly premium for Plan 1 is $201.70, while Plan 2 costs $358.58. These rates are inclusive of 9% GST and apply to individuals from 15 days to 30 years old at entry age.

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Riders and Additional Benefits

SpecialCare (Autism) goes beyond basic coverage to provide additional benefits that cater to the specific needs of families affected by autism. These extra features enhance the policy's value and provide comprehensive support in various scenarios. Let's explore these additional benefits:

Waiver of Premium

Continued Coverage: In the event of the policyholder's accidental death, the plan waives premiums for up to 5 years. This ensures that the insured child remains protected even if the parent is no longer around.

Home Modification Benefit

Adaptive Support: If the insured suffers 50% or more permanent disability, the policy provides up to $6,000 (Plan 2) for home modifications, helping to create a more accessible living environment.

Caregiver Training

Expert Assistance: The plan covers the cost of training a caregiver if the insured suffers 50% or more permanent disability. This benefit is provided once for each accident, ensuring proper care for the insured.

Infectious Disease Coverage

Extended Protection: The policy covers medical expenses due to 21 specified infectious diseases, offering up to $2,000 (Plan 2) per incident. This provides additional peace of mind in today's health-conscious environment.

Claims and Customer Service

Income Insurance Limited is committed to providing excellent customer service and a smooth claims process for SpecialCare (Autism) policyholders. To file a claim or seek assistance, policyholders can contact Income's customer service team at 6786 1788. For instant chat support, visit income.com.sg/advisor-connect. Claims can be submitted online through Income's website, streamlining the process for quick and efficient resolution. The company's dedicated team is available to guide policyholders through the claims process and answer any questions about coverage or benefits.

Conclusion

SpecialCare (Autism) is an innovative insurance solution that caters specifically to families with children on the autism spectrum. This comprehensive plan is ideal for parents seeking financial protection and support for their child's unique needs. It's particularly suitable for those who want coverage for accident-related medical expenses, therapy costs, and potential long-term care requirements. Additionally, the plan's personal liability coverage makes it an excellent choice for families concerned about unforeseen incidents.
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