¹ Terminal Illness (TI)

Terminal illness refers to a conclusive diagnosis of an illness that is expected to result in the death of the life assured within 12 months of the diagnosis. The Terminal Illness must be diagnosed by a registered medical practitioner and must be supported by evidence acceptable to the Company. Terminal illness in the presence of HIV infection is excluded.

² Total and Permanent Disability (TPD) means any of the two situations:

A. The life assured, due to accident or sickness, is disabled to such an extent as to be rendered totally unable to engage in any occupation, business or activity for income, remuneration or profit; and the disability must continue uninterrupted for at least six consecutive months from the time when disability started; and the disability must, in the view of a medical examiner appointed by the company, be deemed permanent with no possibility of improvement in the foreseeable future.

B. The life assured, due to accident or sickness, suffers total and irrecoverable loss of use of:

a. the entire sight in both eyes; or

b. any two limbs at or above the wrist or ankle; or

c. the entire sight in one eye and any one limb at or above the wrist or ankle.

Subject to a maximum TPD Benefit of $5,000,000 on all policies and riders issued by the Company on the same life assured. The TPD benefit is only applicable if TPD occurs before the policy anniversary on which the life assured is age 65 next birthday

³ Critical Illness (CI) Benefit rider

On diagnosis of one of the 30 critical illnesses except for Angioplasty, the basic sum assured together with bonuses (if any) from the basic policy will be accelerated and paid in one lump sum. This rider will then be terminated. The amount of accelerated basic sum assured equals to the sum assured of this rider.
Subject to a maximum CI Benefit of $3,000,000 on all policies and riders issued by the Company on the same life assured.

For Angioplasty And Other Invasive Treatment For Coronary Artery (“Angioplasty”), the basic sum assured equal to 10% of the rider sum assured (up to a maximum of $25,000 per life assured) will be payable if the life assured undergoes a treatment. After a claim is paid, the balance of the rider sum assured and balance of the basic sum assured with reduced premiums will continue. No benefit for Angioplasty will be payable for subsequent treatments under this and all other policies and riders covering Angioplasty.

No benefit under this rider will be payable for Heart Attack of Specified Severity, Major Cancers, Coronary Artery By-pass Surgery, Angioplasty & Other Invasive Treatment For Coronary Artery or Other Serious Coronary Artery Disease, if the diagnosis of any such medical conditions or the diagnosis of any medical conditions resulting in such medical procedures being performed on the Life Assured was made within 90 days from the date of issue of the rider. If the rider was reinstated, the Company will also not provide the benefits if the diagnosis of any such medical conditions or the diagnosis of any medical conditions resulting in such medical procedures being performed on the Life Assured was made within 90 days from the date of reinstatement of the rider.

Sum assured is capped at $400,000 for all Direct Purchase Insurance Plans.

There are two non-participating riders available:

• You can attach DIRECT – Great Critical Care to DIRECT – Great Term.

• You can attach DIRECT – Great 5yr Critical Care to DIRECT – Great 5yr Term.

Premiums vary according to age at entry, gender and lifestyle choices, such as smoking. The premium charged is not guaranteed and may be revised in future at the Company’s discretion.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

The above is for general information only. It is not a contract of insurance. The precise terms and conditions of this insurance plan are specified in the policy contract. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable, if any, may be less than the total premiums paid. It is usually detrimental to replace an existing accident and health plan with a new one. A penalty may be imposed for early plan termination and the new plan may cost more, or have less benefits at the same cost.

These plans are 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 us or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

In case of discrepancy between the English and Chinese versions of this information, the English version shall prevail.

Information correct as on 7th April 2015.