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Benefits

Enjoy comprehensive coverage at affordable premiums.

Make room for more convenience and ease of mind for you and your helper. Now, you can look after your helper’s wellbeing without it being a financial burden. Our Domestic Helper Insurance offers comprehensive insurance coverage to ensure your helper is taken care of. You can also choose from various add-ons to ensure that your needs are taken care of.

Benefits at a glance

Personal accident coverage¹ for your helper
Provides cover for your helper’s outpatient medical expenses² due to injury
Letter of Guarantee³ for your helper’s hospitalisation costs
Local and emergency overseas hospitalisation⁴ insurance coverage for your helper
Up to 90 days pre- and post-hospitalisation treatment coverage⁵ for your helper
Courier service to assist with renewal and delivery of your helper’s insurance and work permit⁶ right to your doorstep

Example

An example to illustrate the additional hospital and surgical expenses benefits that your helper will be covered for if they take up the optional covers for their domestic helper insurance.

Your helper was admitted into a Singapore public hospital standard Class C ward with a total bill of $55,000.

Hospital Bill

S$

Total Hospital Bill

55,000

Basic plan with $15,000 hospital and surgical expenses cover (per year limit)

Total claimable under the policy limits

15,000

Income pays

15,000

Employer pays

40,000

Basic plan with $15,000 hospital and surgical expenses cover (per year limit) + additional $30,000 hospital and surgical expenses benefit7 (PER YEAR LIMIT)

Total claimable under the policy limits

45,000

Income pays

45,000

Employer pays

10,000

Basic Plan with $15,000 Hospital and Surgical Expenses Cover (Per Year Limit) + Additional $50,000 Hospital and Surgical Expenses Benefit7 (Per Year Limit)

Total claimable under the policy limits

65,000

Income pays

55,000

Employer pays

Hospital Bill	S$
Total Hospital Bill	55,000
Basic plan with $15,000 hospital and surgical expenses cover (per year limit)
Total claimable under the policy limits	15,000
Income pays	15,000
Employer pays	40,000
Basic plan with $15,000 hospital and surgical expenses cover (per year limit) + additional $30,000 hospital and surgical expenses benefit7 (PER YEAR LIMIT)
Total claimable under the policy limits	65,000
Income pays	55,000
Employer pays	0

The example is based on the assumption that the helper has no pre-existing medical condition. The amount claimable under this benefit is subject to terms and conditions stated in the policy contract. The figures used in the example are for illustrative purpose only.

Important Notes

The accidental death or permanent disability suffered by your helper due to an injury must happen within 12 months from the date of the accident. The amount of benefit payable is subject to the scale of compensation in the policy contract.
This coverage applies up to 12 months from the date of the accident or up to the limit specified in your policy contract, whichever comes first.
This Letter of Guarantee is only applicable if your domestic helper is hospitalised at a Singapore government restructured hospital, and is capped at a maximum limit of $10,000 per admission. Subject to individual hospital guidelines. Other terms and conditions apply.
The final claim amount you will receive depends on the relevant pro ration factor applicable to the eligible hospital and surgical expenses being claimed.
This is payable if your helper is admitted as an inpatient or for day surgery to treat an injury or sickness, provided we pay the hospitalization claim under the policy. Post-hospitalisation treatment coverage is only for the same injury or sickness your helper was hospitalised for.
Renewal of work permit is done by NTUC Income Employment Agency (licence no. 96C5724).
These are additional coverage for hospital and surgical expenses above the annual minimum coverage for inpatient care and day surgery prescribed by MOM

This is for general information only. You can find the usual terms and conditions of this plan at www.income.com.sg/domestic-helper-policy-conditions.pdf

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Information is correct as of 10 April 2019.

Disclaimer: All insurance products underwritten by Income are contracts between the policyholder and Income. Read full disclaimer.

Premium Rates

Monthly premium for Plus! Protect Classic

Age next birthday (years)	Monthly premium¹ for sum assured
	$10,000	$50,000	$100,000	$150,000	$200,000	$250,000	$300,000
1 to 17	$1.55	$7.75	$15.50	$23.25	$31.00	$38.75	$46.50
18 to 30	$1.55	$7.75	$15.50	$23.25	$31.00	$38.75	$46.50
31 to 40	$1.70	$8.50	$17.00	$25.50	$34.00	$42.50	$51.00
41 to 45	$2.75	$13.75	$27.50	$41.25	$55.00	$68.75	$82.50
46 to 50	$2.75	$13.75	$27.50	$41.25	$55.00	$68.75	$82.50
51 to 55	$4.95	$24.75	$49.50	$74.25	$99.00	$123.75	$148.50
56 to 60	$9.00	$45.00	$90.00	$135.00	$180.00	$225.00	$270.00
61 to 63	$14.95	$74.75	$149.50	$224.25	$299.00	$373.75	$448.50
64 to 65	$14.95	$74.75	$149.50	$224.25	$299.00	$373.75	$448.50
66 to 68	$17.80	$89.00	$178.00	$267.00	$356.00	$445.00	$534.00
69 to 70	$20.30	$101.50	$203.00	$304.50	$406.00	$507.50	$609.00

Monthly premium for Plus! Protect Prime

Age next birthday (years)	Monthly premium¹ for sum assured
	$10,000	$50,000	$100,000	$150,000	$200,000	$250,000	$300,000
1 to 17	$2.35	$11.75	$23.50	$35.25	$47.00	$58.75	$70.50
18 to 30	$2.40	$12.00	$24.00	$36.00	$48.00	$60.00	$72.00
31 to 40	$2.50	$12.50	$25.00	$37.50	$50.00	$62.50	$75.00
41 to 45	$4.20	$21.00	$42.00	$63.00	$84.00	$105.00	$126.00
46 to 50	$4.35	$21.75	$43.50	$65.25	$87.00	$108.75	$130.50
51 to 55	$6.50	$32.50	$65.00	$97.50	$130.00	$162.50	$195.00
56 to 60	$10.45	$52.25	$104.50	$156.75	$209.00	$261.25	$313.50
61 to 63	$17.05	$85.25	$170.50	$255.75	$341.00	$426.25	$511.50
64 to 65	$21.00	$105.00	$210.00	$315.00	$420.00	$525.00	$630.00
66 to 68	$38.95	$194.75	$389.50	$584.25	$779.00	$973.75	$1,168.50
69 to 70	$44.85	$224.25	$448.50	$672.75	$897.00	$1,121.25	$1,345.50

You can choose your sum assured in multiples of $10,000 from $10,000 up to $300,000 each for you, your husband or wife² and your child³.

You can pay your premium either on a monthly or yearly basis and it will be deducted via your OCBC Plus! or NTUC Plus! Visa credit- or debit-card. If you wish to pay your premium on a yearly basis, the yearly premium will be the monthly premium multiplied by 12 months. Premium rates are not guaranteed and may be reviewed from time to time. The premiums that you pay are based on the sum assured and insured’s age next birthday. Premium rates will change when the insured enters a higher age band.

Important notes

¹ Premiums must be paid using your OCBC Plus! or NTUC Plus! Visa credit- or debit-card. All coverage will end if you fail to maintain at least one OCBC Plus! or NTUC Plus! Visa card issued by OCBC Bank.

² You and your husband or wife must be at least 16 years old at the point of application. The oldest you and your husband or wife can take up the policy is age 60 and coverage will end when you or your husband or wife reaches the age of 70.

³ Your child must be at least 15 days old at the point of application. The oldest your child can take up this policy is age 17. Your child’s cover will end when your child reaches the age of 25. This plan does not cover any claim or loss arising from insured taking part in full-time National Service.

Benefits

A home protection plan, exclusively designed to suit your needs.

We believe your home deserves the best protection. Protect what makes your house a home. For most people, their home is their greatest asset. That is why we have designed an insurance plan that protects you, your family and your home against unforeseen events.

Benefits at a glance

Protection for your home including the building¹, renovations² and contents³
Additional benefits such as personal accident and worldwide liability covering you and your family
Flexible plans to suit your needs

Protection against unforeseen events

Enhanced Home Insurance protects your home against unforeseen insured events⁴ such as fire, theft, flood and even damage due to bursting of water pipes or tanks.

Choose a plan that suits your needs

Whether you are a homeowner or tenant, we understand that your home and personal contents are important to you. With Enhanced Home Insurance, you can enjoy the flexibility to choose the coverage amount you need for your building, renovations and contents.

Additional Benefits

For yours and your family’s added protection, our plan also covers the following benefits at no additional premium.

Benefit	Maximum benefit limit ($)
Professional fees	10% of total benefit limit of building/renovations cover
Removal of debris	5% of the total benefit limit of building/renovations and contents cover
Temporary cover for new improvements	10% of the total benefit limit of building/renovations cover
Loss of rental income and extra hotel expenses Extra hotel expenses	Overall section limit: 10% of the total benefit limit of building/renovations and contents cover Sub-limit: Up to $350 a day
Conservancy charges	$1,000
Accidental breakage of mirrors and fixed glass	$1,000
Loss of or damage to contents while being temporarily removed from the premises	Overall section limit: 15% of the total benefit limit of contents cover Sub-limit: $500 for each item
Loss of or damage to contents belonging to your domestic helper	$500
Replacing locks and keys	$500
Deterioration of food in the refrigerator	$500
Unauthorised transactions on your stolen atm or credit card	$1,000
Family personal accident a. Adult aged 21 but under 70 years old b. Child aged from 30 days to 21 years old	Overall section limit: $50,000 Sub-limit: $20,000 for each adult Sub-limit: $10,000 for each child
Medical expenses for injury due to an insured event	$1,000
Family worldwide liability	$500,000
Loss of domestic pet	$500
Emergency cash allowance	$500
Stress payment	$300

Building means the building structure (but not the foundations), fixtures and fittings based on HDB’s or the property developer’s standard specifications.
Renovations means improvements and additions made within the premises by you or any previous owner or tenant in the form of fixtures and fittings. For example, this could include flooring, built-in wardrobes and kitchen cabinets. They do not form part of the building cover.
Contents means any physical and movable household items or personal belongings including money and valuables kept within the premises that belong to you or your family members. But it does not include, amongst other items, motor vehicles, pets and items connected with your business or trade. Please refer to the policy contract for the exclusions and the benefit sub-limits for each type of content.
Insured events means:
1. Fire, lightning or explosion.
2. Being hit by a road vehicle, train, animal, flying object or aircraft which you or your family members do not own or control.
3. Actual or attempted theft as long as force and violence are used to get into or out of the premises. You must not leave the premises unoccupied.
4. Bursting or overflowing of domestic water tanks, apparatus or pipes in your premises (but not damage to water tanks, apparatus and pipes and expenses for tracing the source of the leak). The premises must not be left unoccupied.
5. Hurricane, cyclone, typhoon, windstorm, earthquake or volcanic eruption.
6. Flood caused by water overflowing or escaping from its normal channels. This includes flood caused by the sea, windstorm, bursting or overflowing of public water mains or any other flow or build-up of water coming from outside the building structures.
7. Riot, strike or malicious act.

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Benefits

Enjoy comprehensive coverage at affordable premiums.

Benefits at a glance

Example

Hospital Bill

S$

Important Notes

Premium Rates

Monthly premium for Plus! Protect Classic

Monthly premium for Plus! Protect Prime

Important notes

Benefits

A home protection plan, exclusively designed to suit your needs.

Benefits at a glance

Protection against unforeseen events