Personal Accident

SpecialCare (Autism): Comprehensive Protection for Children with Autism and Their Parents

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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What is SpecialCare (Autism)?

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:

Tailored Coverage

Designed specifically for children with autism

Affordable

Starts from as little as $0.55 per day

Dual Protection

Covers both the child and the parent

Global Coverage

24-hour protection worldwide (with some limitations)

Key Features of SpecialCare (Autism)

Accident Coverage

  • 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

Medical Coverage

  • Includes physiotherapy and psychiatric therapy expenses after an accident

  • Covers 21 infectious diseases

Parent Protection

  • 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

Additional Benefits

  • Personal liability coverage for the child

  • Mobility aids coverage

  • Home modification benefit (if child suffers 50% or more permanent disability)

Why compare SpecialCare (Autism) Insurance with other Personal Accident options through Whatins?

Traditional Approach

  • Limited to one company's definitions
  • May not know about better coverage elsewhere
  • Single view on occupation classifications

Whatins Advantage

  • Compare accident definitions across insurers
  • See how different plans cover various activities
  • Get multiple views on occupation coverage
  • Understand different approaches to sports coverage

What Does It Cover?

SpecialCare (Autism) offers two plans with different levels of coverage. Here's a simple breakdown:

For the Child (Plan 1 / Plan 2)

  • 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

For the Parent (Plan 1 / Plan 2)

  • 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

How Much Does It Cost?

The yearly premium is affordable and depends on the plan you choose:

  • Plan 1: $201.70 per year
  • Plan 2: $358.58 per year

These premiums are for children from 15 days to 30 years old and include 9% GST.

Real-Life Examples

Accidental Injury

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.

Infectious Disease

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.

Parent's Accident

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.

Pros and Cons

Pros

  • 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

Cons

  • 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

Frequently Asked Questions

Who is eligible for this plan?

Children with autism who hold a valid Singapore identification document.

Can I get this plan if my child is older?

Yes, it's available for children up to 30 years old.

Does it cover pre-existing conditions?

No, it mainly covers accidents and specific infectious diseases.

What happens when my child turns 31?

You'll need to explore other insurance options as this plan is for those up to 30 years old.

Can I claim for regular therapy sessions?

No, the plan covers therapy only after an accident.

Wrapping It Up

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.

Get Expert Advice

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.

Click here to get 5 expert opinions on insurance for children with special needs

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