dollarDEX - wealth management

Tapping into the emerging markets century
Global emerging markets (GEMs) have been setting a fast pace in recent years. Since the 1970s, they have evolved from low cost locations for foreign manufacturing to centres of outsourcing expertise...

Finding opportunities in mispriced stocks
While short positions in utilities and telecoms have been the major detractors in 1H 2010 and funds with an aggressive tilt towards consumer related stocks have outperformed its peers, the Fund is not...

Asia: the world's most dynamic region
Asian economies have grown rapidly in recent years, driven by exports to developed countries and fixed capital investment. As they mature, their high savings will naturally fall as domestic consumpt...

Singapore: Unique competitive advantages
Singapore’s achievements are remarkable. Under shrewd leadership, it has transformed itself from a trading port into a sophisticated, high tech services and logistics hub. That process of dynamic ch...

Pru Global Basics Fund update
Global equities reversed a two-month trend of negative returns during a generally positive July characterised by renewed risk appetite.

Pru Dragon Peacock Fund update
The MSCI India advanced 0.73%1 in July as quarterly earnings results were mixed and did not manage to excite the market.

Big growth potential with smaller companies
Asia’s rapidly developing economies create a conducive environment for smaller businesses to flourish. Small businesses are typically less researched than large firms: almost half of all small caps ge...

AllianceBernstein Global Growth Trends Fund update
The Portfolio underperformed its benchmark for the month and for the year to date.

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Critical illness insurance

What are the 30 Critical Illnesses?

With effect from 1st July 2003, the Insurance industry has adopted common definitions for all critical illnesses. This means that each illness covered will be defined the same way by all insurance companies. Alzheimer's Disease, Kidney Failure, Stroke, Coronary Artery By-Pass Surgery and Major Cancers are some of the common examples under the list.

Why is Critical Illnesses protection important?

It is important as part of a sound financial plan, as this protection provides a lump sum benefit to your beneficiaries if the life assured is first diagnosed to be suffering from any one of the 30 Critical Illnesses. Your beneficiaries can make use of the payout to replace some of the income you would have earned or to help pay off other expenses.

What is IdealCI Protector?

IdealCI Protector is one of a small number of products in Singapore that provides 2 critical illness covers in one plan. It is a non-participating level term insurance plan, that covers Death, Terminal Illness, 30 Critical Illnesses, and Total and Permanent Disability (up to age 65, based on next birthday) for the period of the policy term. The premium rates relating to the critical illness benefit under the basic Policy are not guaranteed. These rates may be adjusted based on future experience.

As with other term policies, it is generally quite affordable but does not have any cash value. For example, 30 year old male, non-smoker, a $300,000 coverage over 10 years, we could be paying as little as $50 per month to get protected under IdealCI Protector.

In addition, IdealCI Protector offers critical illness protection* that covers you even after you have made your first critical illness claim if you had selected the optional CI Recovery Benefit rider. You get extra peace of mind and extra protection - another 75% of your IdealCI Protector Policy coverage. Other optional coverage riders are available to supplement your coverage as needed.

It also includes other features such as:

Premiums that does not increase with age
Choice of policy terms: from 5 years up to age 99
Benefits are payable in a lump sum

*Covers critical illnesses that are not the same or related to the first critical illness claim and not vascular related illnesses where the first critical illness was also a vascular related illness. Vascular related illness refers to Coronary Artery By-Pass Surgery, Heart Attack, Heart Valve Surgery, Primary Pulmonary Hypertension, Surgery to Aorta and Stroke (including paralysis as a result of cerebrovascular incident).

Any exclusions or special conditions such as extra premiums/loadings applicable in your IdealCI Protector policy will remain unchanged in the extended critical illness benefit.

Contact dollarDEX for more information and to plan your financial needs.

The information on this page is only an overview of the benefits of IdealCI Protector, and not a contract of insurance. The detailed terms and conditions of this plan are provided in the relevant policy contract

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Page last updated 27 Feb 2009

Celebrating 10 years in business

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