LUV is a low-cost, high coverage plan specially designed to meet the protection needs of NTUC Union members and their family.

Comprehensive Coverage

  • 24 hour worldwide insurance cover
  • Death from all causes
  • Total Permanent Disablement from all causes (additional 1% per month for 12 months or till age 65 years, whichever is earlier)
  • Permanent & Partial Disablement due to accidents (refer to schedule of losses here)
  • Hospital Cash Benefit (daily cash payment of $5 for each day of hospitalisation per $10,000 sum assured, up to max 365 days per confinement)
  • Critical Illness cover (for Deluxe Plan only)

No Medical Check-ups

Application is completely hassle-free as medical check-up is not required.

Eligibility

LUV is available exclusively to NTUC members and their family who are below 65 years old

Loyalty Discount

Get rewarded for up to 10% premium discount if you are insured in the scheme for 3 consecutive years and more.

Years under the scheme Premium
Discount
3-5 years
3%
6-10 years
5%
11-15 years
7%
>15 years
10%

Exclusions

Coverage Exclusions
Death from all causes Suicide in first year
Total Permanent Disablement from all causes Self-inflicted injury
Permanent and Partial Disablement due to accident Self-inflicted injury, war, revolution or any warlike operations, military or naval service, racing on wheels
Hospital Cash Benefit Strike, riot, civil commotion, war or warlike operation, wilful misuse of drugs/liquor, suicide, self-inflicted injury, mental disorders, pregnancy/childbirth, claims in first 30 days of cover, congenital anomalies
Critical Illness (for Deluxe Plan) Self-inflected injury or illness, misuse of drugs/alcohol, pre-existing medical conditions, AIDS & diagnosis of cancer, coronary artery bypass, heart attack, angioplasty and other invasive treatment for coronary artery within ninety days from commencement of cover.

For the premium rates and FAQs, click here.

Forms (requires Adobe PDF reader):
GIRO Form
Brochure

For more details, please visit www.income.com.sg/insurance/luv/, call 62Income (6246 2663) or email product@income.com.sg