Life

Variable Annuity
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Capital guaranteed
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Benefit from market upsides /protection when market falls
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Guaranteed monthly payouts
Winner of the Insurance Asia Award 2020

Emerald Legacy Life
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Basic Coverage
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Maximum Value
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Replacement of Life Insured

Emerald Legacy Life II
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Whole of Life Coverage
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Replacement of Life Insured
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Quit Smoking Incentive to help you live healthier

ValueLife Insurance
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Enjoy potential cost savings as your responsibilities in life evolve
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Guaranteed lifetime protection with a limited premium paying term
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Guaranteed refund of premiums
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Guaranteed maturity benefit

ValueTerm Insurance
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Affordable protection
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Disability coverage
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Level premiums
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Flexibility to enhance your coverage
Savings

Wealth Builder
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Build wealth through long-term accumulation
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Flexibility to build the plan according to your preference
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Policy continuity to ensure the cash value keeps growing

Retirement Income II
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Full flexibility, retire on your own terms
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Secure your retirement plan with in-built benefits
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Additional income in the event of unexpected illnesses

Savings Protector II
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Protecting your commitments
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Guarantee capital even during market downturn
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Flexibility to meet your goals

Goal Builder
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Optimise wealth growth with a range of funds and unlimited fund switching
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Enjoy peace of mind with lifelong protection
Health

International Health Insurance
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Hospital charges incurred during an in-patient hospital stay are covered, giving you peace of mind throughout your hospital treatment
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Out-patient benefits including cover for general practitioner and specialist consultations, prescribed drugs and dressings and necessary diagnostic tests, and vaccinations up to the limits shown
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Depending on where in the world you reside, travel to or wish to receive treatment, there are 3 geographical areas of cover designed to suit your needs: Asia, Worldwide excluding USA, and Worldwide
Enjoy up to SGD600 shopping vouchers when you purchase an InternationlExclusive health insurance plan. Valid till 30 June 2022.

Health Insurance
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Reimburses you in full up to the annual limit for all your eligible expenses
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We also go the extra mile to give you a wider range of benefits
Enjoy SGD100 shopping vouchers when you purchase a SmartCare Optimum Enhanced insurance plan. Valid till 30 June 2022.

Early Critical Care Insurance
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Covers 102 conditions
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Provides 100% payout even for early stage critical illness
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Covering illnesses not commonly insured in Singapore
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Affordable premiums and comprehensive coverage
Home

Home Content Insurance
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HomeSurance Classic indemnifies you should you be liable to pay compensation for bodily injury or damage to property up to SGD1,000,000
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Protect you and your family assets and valuables from fire, burglary and accidental damage
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You need not go through the inconvenience of itemising your possessions at the point of application
From now till 31 May 2022, enjoy 40% discount and additional SGD40 worth of shopping vouchers when you purchase a HomeSurance Classic plan.

Mortgage Protector Insurance
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With a wide range of terms available from 10 to 40 years, and interest rate from 1% to 10% to match your mortgage plan.
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Premium payment term will end four years before the end of policy term, while you continue to enjoy full coverage.
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Option to pay your premiums in yearly, half-yearly, quarterly or monthly instalments.
Lifestyle

Personal Accident Insurance
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Outpatient medical bills will be covered. Double cover for hospitalisations exceeding 48 hours. Letter Of Guarantee can be arranged for overseas hospitalisations if need be.
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Pays for the doctor and/or nurse to make home visit to nurse you back to health if you are immobile.
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Pays the cost to modify your home or vehicle to aid with your disability.
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Pays an additional 50% of the death benefit if occurs overseas.
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Your children enjoy complimentary 20% of your cover (of 1 parent).
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10% Family Discount, when you and your spouse are covered in the same policy.
From now till 31 May 2022, enjoy 10% discount and additional SGD40 worth of shopping vouchers when you purchase a SmartPA Protect+ plan.

Travel Insurance
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Pays up to S$300,000 whilst overseas and up to S$10,000 post-trip
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Pays double the daily benefit if you are confined in the ICU whilst overseas
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Call our emergency hotline at +65 6322 2566 if you require medical evacuation or need assistance on your lost passport whilst overseas
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Pays up to S$6,000 reimbursement for trip cancellation or trip curtailment
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Pays up to an additional 50% of the Sum Insured, when your trip has to be cancelled or curtailed due to a natural disaster
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Covers you if you are injured whilst participating in adventurous activities for leisure purpose during a trip
From now till 31 May 2022, purchase a Wanderlust plan and enjoy:
- 30% premium discount for all Single-Trip Plans
- 20% premium discount and additional SGD50 worth of shopping vouchers for all Annual Multi-Trip Plans