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1 Income Family Micro-Insurance and Savings Scheme 英康低收入家庭保险兼储蓄计划 Skim Simpanan dan Insurans-Mikro Keluarga Income
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3 Income Family Micro-Insurance and Savings Scheme (IFMISS) Supporting families in crisis NTUC Income (Income) understands the difficulties that a child may go through when death or total and permanent disability occurs to a parent or guardian. As such, we have developed the Income Family Micro-Insurance and Savings Scheme (IFMISS) to help pre-school and primary school children from disadvantaged backgrounds cope financially in such times of need. As the only insurance co-operative in Singapore, Income has a social purpose to make insurance accessible, affordable and sustainable for all. Today, Income s wide network of advisers and partners provide life, health and general insurance products and services to serve the protection, savings and investment needs of two million people in Singapore. For more information about Income, please visit
4 What you need to know about IFMISS Who is this for? Eligible individuals are parents/legal guardians, aged between 16 to 65 years old (as of next birthday), who have a child/ward: i. Attending a local Government or Governmentaided primary school and is an MOE Financial Assistance Scheme (MOE-FAS) recipient; or ii. Attending NTUC s My First Skool and the family has a Gross Household Income that does not exceed $3,500 a month or Per Capita Income that does not exceed $875 a month. (known hereafter as the Insured ) How do you benefit? In the unfortunate event of death or total and permanent disability (TPD) of an Insured, IFMISS offers a pay-out of $5,000, upon approval of the claim. IFMISS also offers an additional pay-out (capped at $5,000) that matches the collective bank balances of the Insured and his/her family unit which may comprise of the Insured s surviving spouse, parent, siblings, child or ward. To maximise the savings benefit, Income encourages the Insured and his/her family unit to develop a good savings habit by setting aside money in their personal bank accounts. The Scheme allows the Insured to submit only one claim per calendar year. Income does not pay for any claim that arises from the following: a. Death suicide or attempted suicide, while sane or insane b. TPD self-inflicted injury
5 What do you have to do? IFMISS is a free scheme and the Insured is automatically enrolled in the scheme. How to make a claim? The family of the Insured can obtain a claim form from the child s/ward s primary school or NTUC s My First Skool and submit the completed form to the school with the required supporting documents. The claim forms are available online at Claims must be submitted within six months from the claim event date, i.e. date of death or certification of TPD. How will the claims be paid? Income will process and issue the pay-out of $5,000 for Death and TPD to support the family s immediate financial needs upon verification of all required documents. The pay-out that matches the bank balances of the family unit of the Insured will be made after the bank statements are verified. How to find out more about IFMISS? IFMISS takes effect from 1 January To find out more, please visit IFMISS or contact Income at IMPORTANT NOTES This material is for general information only and is not a contract of insurance. Please visit to read the relevant terms and conditions. Information is accurate as of 1 November 2016.
6 英康低收入家庭保险兼储蓄计划 (IFMISS) 面临危机时助您一臂之力 职总英康 ( 简为 英康 ) 深知孩童经历父母或监护人不幸身亡或永久全残时, 所面临的巨大挑战 因此, 我们推出了英康低收入家庭保险兼储蓄计划, 为育有幼儿与小学孩童的低收入家庭提供经济上的支持, 帮助他们度过艰难时刻 作为新加坡唯一的保险合作社, 英康旨于为新加坡居民提供可持续并经济实惠的保险计划 如今, 英康广泛的顾问与伙伴网络已为两百万名新加坡居民提供人寿 医药与普通保险及服务 欲知更多详情, 欢迎浏览
7 英康低收入家庭保险兼储蓄计划需知 谁能成为受保人? 能成为受保人的是年龄介于 16 至 65 岁 ( 以下一个生日的年龄为准 ) 之间的家长或法定监护人, 并且育有一名孩童或监护对象 : i. 就读于本地政府或政府辅助小学, 同时是教育部经济援助计划 (MOE-FAS) 的受益人 ; 或 ii. 在职总幼乐园上学, 家庭每月总收入不超过 $3,500 或每月平均收入不超过 $875 ( 以下称为 受保人 ) 您将如何受益? 若受保人不幸身亡或永久性全残, 英康低收入家庭保险兼储蓄计划将在索赔申请被批准后提供 $5,000 的赔偿 英康低收入家庭保险兼储蓄计划将根据受保人以及他 / 她的家庭单位的集体银行余额提供相等的额外赔偿, 最高金额不超过 $5,000 受保人的家庭单位包括受保人幸存伴侣 父母 兄弟姐妹 孩童或受保人监护对象 为了最大限度的增加您的储蓄利益, 英康鼓励受保人以及他 / 她的家庭单位在个人银行账户设置存款, 培养良好的储蓄习惯 该计划只允许受保人每年提交一份索赔 针对以下情况所产生的索赔, 英康将不予赔偿 : a. 身亡 - 无论是否理智的情况下自杀或企图自杀 b. 永久性全残 - 自残 您需要做些什么? 英康低收入家庭保险兼储蓄计划是一项免费计划, 受保人将被自动列入计划范围
8 如何申请索赔? 受保人的家庭可以从孩童 / 监护对象的小学或职总幼乐园获取索赔表格, 并将填妥的表格以及所需文件提交至学校或职总幼乐园处 索赔表格可通过 在网上获取 索赔申请需在索赔事项日期, 即身亡日期或永久性全残证明开具日期的六个月内提交 索赔金额将以何种形式支付? 一旦核实所有所需文件, 英康将处理并支付针对身亡和永久性全残的 $5,000 赔偿, 以为家属提供及时的经济援助 按照受保人家庭的银行余额所做出的赔偿将在核实银行对账单后支付 如何了解更多关于计划的详情? 英康低收入家庭保险兼储蓄计划将于 2017 年 1 月 1 日生效 欲知更多详情, 欢迎浏览 或拨打 与英康联系 重要事项以上资料仅为提供一般信息, 并非保险合约 您可浏览 参阅保险计划的条款与条件 截至 2016 年 11 月 1 日, 以上信息属正确无误
9 Skim Simpanan dan Insurans-Mikro Keluarga Income (IFMISS) Menyokong keluarga dalam krisis Income memahami akan kesukaran yang mungkin dialami kanak-kanak jika berlaku kematian atau kecacatan penuh sepanjang hayat kepada ibu bapa atau penjaga mereka. Oleh itu, kami telah melakarkan Skim Simpanan dan Insurans-Mikro Keluarga Income (IFMISS) untuk membantu kanakkanak pra-sekolah dan sekolah rendah yang kurang bernasib baik mengatasi masalah kewangan dalam detik-detik sukar seperti itu. Sebagai satu-satunya koperatif insurans di Singapura, Income mempunyai matlamat sosial untuk memastikan insurans mudah dinikmati, dengan harga yang perpatutan dan juga berkekalan untuk semua. Hari ini, dengan adanya penasihat dan rakan kongsi Income yang luas, Income dapat menyediakan perkhidmatan dan produk insurans umum, kesihatan dan kehidupan untuk memenuhi keperluan perlindungan, simpanan dan pelaburan bagi dua juta rakyat Singapura. Untuk mendapatkan maklumat lanjut mengenai Income, sila lungsuri
10 Apa yang anda perlu tahu mengenai IFMISS Untuk siapa? Individu yang layak adalah ibu bapa/penjaga yang sah, berusia antara 16 hingga 65 tahun (usia pada tarikh lahir akan datang), yang mempunyai seorang anak/anak jagaan: i. Belajar di sekolah rendah Pemerintah atau Bantuan-Pemerintah dan penerima Skim Bantuan Kewangan MOE (MOE-FAS); atau ii. Belajar di NTUC My First Skool dan keluarga mempunyai Pendapatan Kasar Keluarga tidak melebihi $3,500 sebulan atau Pendapatan Per Kapita tidak melebihi $875 sebulan. (selepas ini dikenali sebagai Pihak Terlindung ) Bagaimana anda raih faedah? Jika berlaku kematian atau kecacatan penuh sepanjang hayat (TPD) Pihak Terlindung, IFMISS akan menawarkan bayaran $5,000 selepas tuntutan diluluskan. IFMISS juga akan menawarkan bayaran tambahan (dibataskan pada $5,000) yang setimpal dengan jumlah simpanan Pihak Terlindung dan unit keluarganya yang boleh terdiri daripada pasangan hidup Pihak Terlindung, ibu bapa, adik beradik, anak atau anak jagaan Pihak Terlindung. Untuk meraih faedah simpanan maksimum, Income menggalakan Pihak Terlindung dan Unit Keluarga mengamalkan tabiat menabung dengan mengetepikan wang ke dalam akaun bank peribadi. Skim ini membenarkan Pihak Terlindung membuat hanya 1 tuntutan setiap tahun kalendar. Income tidak akan membayar sebarang tuntutan yang timbul daripada yang berikut ini: a. Kematian bunuh diri atau cubaan membunuh diri, sama ada semasa siuman atau tidak siuman b. Kecacatan Sepenuh Hayat (TPD) - kecederaan yang dilakukan sendiri
11 Apa yang anda perlu lakukan? Bagaimana membuat tuntutan? IFMISS adalah satu skim percuma dan Pihak Terlindung akan dimasukkan secara automatik ke dalam skim ini. Keluarga Pihak Terlindung boleh mendapatkan borang tuntutan dari sekolah rendah anak/anak jagaan mereka atau NTUC My First Skool dan mengirimkan borang yang telah diisi ke sekolah atau NTUC My First Skool bersama dokumendokumen sokongan yang diperlukan. Borang tuntutan boleh diperolehi menerusi lelaman Tuntutan mestilah dihantar dalam masa 6 bulan dari tarikh kejadian iaitu tarikh kematian atau pengeluaran sijil Kecacatan Sepenuh Hayat (TPD). Bagaimana tuntutan akan dibayar? Income akan memproses dan membuat bayaran $5,000 bagi Kematian dan Kecacatan Sepenuh Hayat (TPD) bagi membantu keluarga dengan keperluan kewangan setelah mengesahkan semua dokumen yang diperlukan. Bayaran yang setimpal dengan baki simpanan bank unit keluarga Pihak Terlindung akan dibuat selepas semua kenyataan bank disahkan. Bagaimana mendapatkan maklumat lanjut IFMISS? IFMISS berkuatkuasa mulai 1 Januari Untuk mendapatkan maklumat lanjut, sila lungsuri atau hubungi Income di NOTA PENTING Bahan ini adalah bagi maklumat umum saja dan bukan satu kontrak insurans. Sila lungsuri untuk mengetahui syarat-syarat yang relevan. Maklumat ini adalah tepat daripada tarikh 1 November 2016.
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