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Personal Accident

Introduction

Personal accident insurance is crucial for individuals with Down syndrome, providing essential financial protection against unforeseen accidents. SpecialCare (Down Syndrome) is a groundbreaking insurance plan in Singapore, specifically designed for those with Down syndrome. This comprehensive policy offers peace of mind to both the insured individual and their caregivers, covering a wide range of accident-related expenses and providing support for as little as $0.55 per day. With SpecialCare (Down Syndrome), you can ensure that your loved one receives the care they need, while also protecting yourself as a caregiver.

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Coverage and Benefits

SpecialCare (Down Syndrome) offers a comprehensive range of benefits to protect individuals with Down syndrome and their caregivers. From accidental death coverage to medical expense reimbursement, this policy provides extensive financial support in various scenarios. Let's explore the key benefits that make this insurance plan stand out.

Accidental Death Protection

In the unfortunate event of accidental death, SpecialCare (Down Syndrome) provides a lump sum payout to the beneficiaries. This benefit ensures financial security for the family during a difficult time.

Permanent Total Disability

If the insured person suffers permanent total disability due to an accident, the policy offers a substantial payout of up to $60,000. This benefit is crucial for long-term care and support.

Permanent Partial Disability

For permanent partial disabilities resulting from accidents, the policy provides coverage based on a scale of compensation. This ensures appropriate financial support for various levels of disability.

Daily Hospital Income

The policy offers a daily hospital income benefit of up to $75 per day for a maximum of 60 days per accident. This helps cover additional expenses during hospitalization.

Medical Expense Coverage

SpecialCare (Down Syndrome) reimburses outpatient expenses up to $3,000 and hospitalization expenses up to $7,500 per policy year. This comprehensive coverage helps manage the financial burden of accident-related medical treatments.

Additional Support

The policy covers various other expenses, including ambulance fees (up to $500 per year), mobility aids (up to $1,000 per year), and physiotherapy and psychiatric therapy (up to $2,000 per year). It also provides coverage for home modifications (up to $6,000 in the insured person's lifetime) in case of severe disability.

Coverage Customization

SpecialCare (Down Syndrome) offers flexibility to tailor the coverage according to individual needs. While the policy doesn't have traditional sum assured options or deductibles, it provides two distinct plans with varying benefit limits to choose from. This allows policyholders to select the most suitable coverage level for their specific requirements.

Plan Options

SpecialCare (Down Syndrome) offers two plan options: Plan 1 and Plan 2. Plan 2 generally provides higher benefit limits compared to Plan 1, allowing policyholders to choose based on their coverage needs and budget.

Premium Structure

The policy features a straightforward premium structure based on the insured person's age at entry. For individuals aged 15 days to 30 years old, the yearly premium is $201.70 for Plan 1 and $358.58 for Plan 2, inclusive of 9% GST.

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Riders and Additional Benefits

SpecialCare (Down Syndrome) goes beyond basic coverage by offering unique benefits tailored to the needs of individuals with Down syndrome and their caregivers. These additional features provide comprehensive protection and support in various scenarios.

Caregiver Protection

The policy extends coverage to the parent or legal guardian, offering a payout of up to $60,000 in case of their accidental death or permanent disability. This ensures continued care for the insured person.

Premium Waiver

In the event of the policyholder's accidental death, premiums for the next 5 years are waived. This benefit ensures continued coverage for the insured person during a challenging time.

Infectious Disease Coverage

The policy covers medical expenses due to 21 specified infectious diseases, providing up to $2,000 per incident. This offers additional protection beyond accident-related incidents.

Personal Liability

SpecialCare (Down Syndrome) includes a personal liability benefit of up to $5,000 per policy year. This covers accidental injury to others or damage to others' property caused by the insured person in Singapore.

Caregiver Training

If the insured person suffers 50% or more permanent disability, the policy covers the cost of caregiver training. This benefit is provided once for each accident, ensuring proper care techniques are learned.

Claims and Customer Service

Filing claims and accessing customer support for SpecialCare (Down Syndrome) is designed to be straightforward and efficient. Policyholders can initiate claims by contacting Income Insurance Limited through their hotline at 6786 1788 or visiting their website at income.com.sg. For personalized assistance, customers can use the online chat feature at income.com.sg/advisor-connect to connect with an advisor instantly. Income Insurance Limited is committed to providing prompt and helpful service, ensuring that policyholders receive the support they need during the claims process or when seeking information about their coverage.

Conclusion

SpecialCare (Down Syndrome) is an invaluable insurance product for families caring for individuals with Down syndrome. It's particularly well-suited for parents or legal guardians seeking comprehensive accident coverage for their loved ones, as well as some protection for themselves as caregivers. Additionally, this policy can be beneficial for organizations or institutions that care for individuals with Down syndrome, providing essential financial support in case of accidents or disabilities.

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