• In-hospital Medical Reimbursement – Reimbursement of actual In-hospital medical expenses of up to 10% of the sum insured for Female Cancer Diagnosis.
• Post-hospitalization Outpatient Reimbursement – Within 90 days from the date of discharge from hospital (for hospitalization due to covered female cancer), we will reimburse post-hospitalization outpatient medical expenses up to a maximum of S$1,000.
• Female Wellness Monthly Maintenance Benefit – Pro-rated Female Wellness Monthly Maintenance Benefit, up to a maximum of $1,000 per month, is payable if a gainfully employed insured is unable to perform her occupational duties 30 days from the date of discharge from hospital for hospitalization due to covered female cancer.
• Traditional Chinese Medicine – Reimbursement for Traditional Chinese Medicine expenses incurred within 52 weeks from date of first diagnosis of covered female cancer, up to a maximum of $500 per disability per lifetime.
• Compassionate Death Allowance – A lump sum of up to $5,000 is payable if death is a result of a covered female cancer.
Venus Care
Specially designed for women, Venus Care is a plan with relevant benefits to assist you financially in the unfortunate event of being stricken with female cancer. So instead of being overwhelmed by financial worries you can focus on putting your health back on track.
Upon first diagnosis of any one of the covered female cancers, a one time lump sum of up to a maximum of S$80,000 is payable. This benefit is extended to cover first diagnosis of covered female Carcinoma-in-situ with a lump sum payout of 10% of the sum insured for Female Cancer Diagnosis
1. What does Venus Care cover?
It covers Cancer of the female reproductive organs- ovary, fallopian tube, cervix, uterus and vagina/vulva, as well as cancer of the breast.
2. What is the eligible age for Venus Care?
The entry age for Venus Care is 16 and the last entry age is 64. The policy is renewable to age 75.
3. What forms do I need when I submit a Venus Care application?
When submitting a Venus Care application there are 4 forms that you will need to complete and submit
a. Venus Care application form,
b. Venus Care Product Summary,
c. Know Your Client (KYC) form, &
d. Our Advice and Reasons Why form
4. Will my premium increase with age?
Premiums for Venus Care are age banded. When you move from one age band to the next there will be a subsequent increase in premium.
5. What method do I use for calculating my birthday in order to determine the premium that I have to pay?
For calculating your birthday please take your age last birthday i.e your attained age. For example, if you are born on 9/08/1980 and the current date is 23/07/2007 you should take your age as 26.
6. What is the waiting period for Female Carcinoma-in-situ and Breast Cancer?
The waiting period is 180 days after the inception of the policy.
7. What is the waiting period for all other specified Female Cancer?
The waiting period is 90 days after the inception of the policy.
8. If I have been diagnosed with Female Carcinoma-in-situ and received the benefit amount, will I still be invited for renewal?
Yes. You will still be invited for renewal after diagnosis of Female Carcinoma-in-situ.
9. If I have already been diagnosed with Female Carcinoma-in-situ and was paid the benefit amount and am now subsequently diagnosed with Female Cancer, what is the amount payable to me?
You would be paid the stated sum insured less the payment already made for diagnosis of Female Carcinoma-in-situ.
For example : If your sum insured is S$80,000 and you had previously been diagnosed with female carcinoma-in-situ and paid the benefit amount of S$8,000, you would now be paid S$72,000 if you were diagnosed with a female cancer covered under the policy.
10. If I have been diagnosed with cancer and have been paid the sum insured does the policy end?
No, the policy does not end. In fact, most of the benefits will only kick in after one has been diagnosed with cancer. The relevant benefits will be paid within a window of 365 days from the date of first diagnosis. After this 365 days or if the insured has passed away, whichever comes first, the plan will cease.
11. If I have been on MC for 40 days after being diagnosed with a female cancer how much Monthly Wellness Maintenance Benefit am I entitled to?
You are entitled to a pro-rated 40 days of the Monthly Wellness Maintenance Benefit. You must be on MC for a minimum of 30-days before you can claim for this benefit.
12. What tests are eligible for me to claim under the Female Wellness Annual Physical Examination?
You may go for a mammogram or pap smear test and claim under the Female Wellness Annual Physical Examination benefit. No other tests are claimable.
13. When can I claim for the Female Wellness Annual Physical Examination?
You may claim for this after your first renewal of the policy and every policy anniversary thereafter up to the age of 64