NTUC Income Care Secure Pro Review

*Enjoy a limited time only, 25% perpetual discount on your NTUC Income Care Secure Pro premiums

NTUC Income Care Secure Pro is a careshield life supplement that provides comprehensive coverage across different stages of disability, from mild to severe.

NTUC Income Care Secure Pro product details

• Non-participating policy – Careshield Supplement
• Premium term – Choose from 2 premium term
  • Up to 67 or
  • Up to 99 age last birthday
• Payment mode
  • Choose to pay using your Medisave (up to $600/year) or Cash
• Payout for 1 ADL
  • Receive monthly payout of 60% of disability benefit for up to 60 months if you are unable to perform one ADL before age 75 last birthday
• Lifetime disability payout – For when it matters most
  • Receive a lifetime of montly disability benefit for moderate and severe disability
• Support benefit – Receive
  • a benefit of 600% sum assured when you are unable to perform 3 ADLs
  • a benefit of 300% sum assured if you are unable to perform 2 ADLs, and an additional 300% sum assured if the disablity worsens to not being able to perform 3 ADLs
• Dependent Benefit
  • provides a monthly payout of 25% of disability benefit for up to 36 months when you are unable to perform at least two ADLs
• Caregiver Benefit
  • provides a monthly payout of 60% of disability benefit for up to 12 months when you are unable to perform at least two ADLs
• Additional payouts – for severe disability
  • get additional payouts on top of your CareShield Life or ElderShield benefits, for as long as you are unable to perform at least three ADLs
• The 6 Activities of Daily Living (ADL) are:
• Washing; cleaning yourself
• Dressing; putting on and taking off clothes
• Feeding; eating
• Toileting; doing your natural business in the toilet
• Mobility; moving around and
• Transferring; getting off your bed
  
  

Read also: How pre-exisiting medical conditions can affect your insurance applications

Features of NTUC Income Care Secure Pro at a glance

Cash and Cash Withdrawal Benefits
Cash value: No
Cash withdrawal benefits: No

Health and Insurance Coverage
Death: No (Yes if death occur whilst receiving disability benefit)
Total Permanent Disability: Yes
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Health and Insurance Coverage Multiplier
Death: No
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Optional Add-on Riders
NA

Additional Features and Benefits
Yes.

For further information and details, refer to NTUC Income website. Alternatively, fill up the form below and let us advise accordingly.

Read Also: Why do you need regular insurance portfolio review?

Read also: Do I really need insurance at my current age?

Is NTUC Income Care Secure Pro suitable for me?