Are you a parent of a child with autism? You're not alone. Many parents worry about protecting their special needs children, especially when it comes to accidents and medical care. That's where SpecialCare (Autism) comes in. Let's explore how this unique insurance plan can give you peace of mind and financial security .
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SpecialCare (Autism) is the first insurance plan in Singapore specifically designed for children with autism . It offers comprehensive coverage for both the child and the parent, ensuring that your loved one is protected even if something happens to you. Here's what makes it special:
Designed specifically for children with autism
Starts from as little as $0.55 per day
Covers both the child and the parent
24-hour protection worldwide (with some limitations)
Pays for outpatient and hospitalization expenses due to accidents
Covers permanent disability resulting from accidents
Provides daily hospital income for up to 60 days per accident
Includes physiotherapy and psychiatric therapy expenses after an accident
Covers 21 infectious diseases
Provides a payout if the parent becomes permanently disabled or passes away due to an accident
Waives premiums for 5 years if the parent passes away due to an accident
Personal liability coverage for the child
Mobility aids coverage
Home modification benefit (if child suffers 50% or more permanent disability)
SpecialCare (Autism) offers two plans with different levels of coverage. Here's a simple breakdown:
Permanent Disability: Up to $30,000 / $60,000 per policy year
Outpatient Expenses (Accident): Up to $2,000 / $3,000 per policy year
Hospitalization Expenses (Accident): Up to $5,000 / $7,500 per policy year
Daily Hospital Income: $50 / $75 per day (up to 60 days per accident)
Mobility Aids: Up to $500 / $1,000 per policy year
Physiotherapy and Psychiatric Therapy: Up to $1,000 / $2,000 per policy year
Personal Liability: Up to $5,000 per policy year
Accidental Death and Permanent Disability: Up to $30,000 / $60,000 in lifetime
Premium Waiver: Up to 5 years if parent passes away due to accident
The yearly premium is affordable and depends on the plan you choose:
These premiums are for children from 15 days to 30 years old and include 9% GST.
If your child falls and breaks an arm: Outpatient and hospital expenses would be covered, you'd receive daily hospital income if hospitalization is required, and follow-up physiotherapy would be covered.
If your child contracts one of the covered infectious diseases: Medical expenses would be covered up to the plan limit. Coverage starts 14 days after the policy begins.
If you (the parent) are permanently disabled due to an accident: You'd receive a lump sum payout, and your child's coverage would continue even if you can't work.
Specifically designed for children with autism
Affordable premiums
Covers both child and parent
Includes personal liability coverage
Global protection for up to 90 days per policy year
Coverage limits may be lower than some general insurance plans
Doesn't cover pre-existing conditions
Doesn't replace the need for health insurance
Limited to 90 days of overseas coverage per year
Children with autism who hold a valid Singapore identification document.
Yes, it's available for children up to 30 years old.
No, it mainly covers accidents and specific infectious diseases.
You'll need to explore other insurance options as this plan is for those up to 30 years old.
No, the plan covers therapy only after an accident.
SpecialCare (Autism) offers a unique combination of accident protection and parent coverage, designed specifically for families with autistic children . It provides financial security against unexpected accidents and certain diseases, allowing you to focus on caring for your child without worrying about potential medical expenses.
With its affordable premiums, comprehensive coverage, and additional benefits like personal liability protection, it's a thoughtful solution for parents of children with autism. However, it's important to remember that this plan doesn't replace regular health insurance and has certain limitations.
Remember, the best insurance is the one that fits your specific needs and situation. Consider your child's current health, your family's lifestyle, and existing coverage before making a decision.
Ready to take the next step? Don't rely on just one opinion. Get expert insights tailored to your unique situation. Sign up now to receive 5 expert opinions on insurance for children with special needs. These professionals will review your family's needs and provide personalised recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your child with autism. Don't leave your family's protection to chance – get the expert advice you deserve today.
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