Are you caring for a loved one with Down syndrome? You're not alone. Caring for someone with special needs can be challenging, both emotionally and financially. That's where SpecialCare (Down Syndrome) Insurance comes in. Let's explore how this unique plan can provide peace of mind and financial support for you and your loved one.
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SpecialCare (Down Syndrome) is the first insurance plan in Singapore specifically designed for individuals with Down syndrome . It's a personal accident policy that provides comprehensive coverage for both the person with Down syndrome and their caregiver. Here's what makes it special:
1. Affordable: Costs as little as $0.55 per day
2. Comprehensive: Covers accidents, hospital stays, and even infectious diseases
3. Caregiver Protection: Includes benefits for parents or legal guardians
4. Global Coverage: Protects your loved one 24/7, even when traveling
Pays for outpatient and hospital expenses due to accidents. Provides a payout for permanent disability caused by accidents. Offers daily hospital income for up to 60 days per accident.
Covers physiotherapy and psychiatric therapy after an accident. Helps pay for mobility aids if needed after an accident.
Covers medical expenses for 21 specified infectious diseases.
Provides a payout if the caregiver becomes permanently disabled or passes away due to an accident. Waives premiums for 5 years if the caregiver passes away due to an accident.
Protects against accidental injury to others or damage to others' property.
SpecialCare (Down Syndrome) 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
Hospital Expenses (Accident): Up to $5,000 / $7,500 per policy year
Daily Hospital Income: $50 / $75 per day, up to 60 days per accident
Infectious Disease Coverage: Up to $1,000 / $2,000 per incident
Mobility Aids: Up to $500 / $1,000 per policy year
Physiotherapy and Psychiatric Therapy: Up to $1,000 / $2,000 per policy year
Accidental Death or Permanent Disability: Up to $30,000 / $60,000 in lifetime
Premium Waiver: Up to 5 years if caregiver passes away due to accident
Home Modification: Up to $3,000 / $6,000 in lifetime
Caregiver Training: Covered as charged (once per accident)
The cost depends on the plan you choose:
Plan 1: $201.70 per year
Plan 2: $358.58 per year
These prices are for individuals aged 15 days to 30 years old and include 9% GST.
If your loved one falls and breaks a bone: Medical expenses would be covered up to the plan limit. They would receive daily hospital income if admitted. Follow-up physiotherapy would be covered.
If they contract a covered infectious disease: Medical expenses would be covered up to $1,000 (Plan 1) or $2,000 (Plan 2).
If you, as the caregiver, are permanently disabled in an accident: You'd receive a lump sum payout of up to $30,000 (Plan 1) or $60,000 (Plan 2).
First insurance plan in Singapore specifically for individuals with Down syndrome
Comprehensive coverage for both the individual and caregiver
Affordable premiums
Global coverage for up to 90 days per policy year
Covers a wide range of scenarios, including accidents and infectious diseases
Coverage limits may be lower than some general accident insurance plans
Age limit of 30 years old for new applications
Some benefits have waiting periods or time limits
Individuals with Down syndrome aged 15 days to 30 years old at policy start date.
Yes, the plan can be renewed as long as it remains in force.
Pre-existing conditions, self-inflicted injuries, and professional sports are typically not covered.
Yes, there's a 14-day waiting period for infectious disease coverage from the policy start date.
You may be able to upgrade your plan at renewal, subject to approval.
SpecialCare (Down Syndrome) offers a unique and comprehensive insurance solution for individuals with Down syndrome and their caregivers . It provides financial protection against accidents and infectious diseases, along with support for caregivers, all at an affordable price.
While it has some limitations, such as coverage limits and age restrictions for new applicants, it fills a crucial gap in the insurance market for individuals with special needs. The plan's holistic approach, covering both the individual and caregiver, sets it apart from general accident insurance policies.
Remember, the best insurance is the one that fits your specific needs and situation. Consider your loved one's health, your financial situation, and your long-term care plans 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 individuals with Down syndrome. These professionals will review your 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 loved one with Down syndrome. Don't leave their protection to chance – get the expert advice you deserve today.
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