Lady MediCare

Thanks to advances in medical technology, a critical illness (such as breast or ovarian cancer) can now be diagnosed far earlier than before. With an early detection, the chances of surviving the critical illness increase dramatically.

However, once a critical illness has been detected, there is the added worry of finding the money to pay for treatments.

Are you prepared for such an unforseen event³?

Ada, a 29-year old lady, was diagnosed with non-invasive breast cancer and underwent surgery to remove the lump. The medical bill was $10,000.

As Ada had taken up the Lady mediCare Plan C, with an annual premium of $267, she received:

$4,000 for the diagnosis of her non-invasive breast cancer; and
Up to $10,000 for the cost of hospitalisation.

With her medical bills taken care of, Ada was able to recuperate without any financial worries.

It was fortunate that Ada had her breast cancer diagnosed while it was non-invasive. If it had been invasive, the cost of surgery and chemotherapy would have escalated the medical bill as high as $40,000 and Ada would have received:

$40,000 for the diagnosis of her invasive breast cancer; and
Up to $20,000 for the cost of hospitalisation.

Benefits

From as little as $0.60¹ a day, Lady MediCare² eases the financial burden associated with female-related illnesses by paying up to:

$40,000 once a female-related critical illness is diagnosed, or up to $20,000 if any other critical illness is dignosed.
$20,000 for the cost of hospitalisation to treat a female-related illness.
$4,000 if a non-invasive female cancer (eg breast or ovarian cancer) is diagnosed.
$4,000 if there are complications during pregnancy.
$4,000 if a common female-related illness (eg osteoporosis or rheumatoid arthritis) is diagnosed.

Coverage

Benefits	Plan A	Plan B	Plan C
1. Critical Illness for Female-Related Critical Illness for Other Critical Illness Applicable to benefit 1 only: The female-related critical illness refers to Breast Cancer, Ovarian Cancer, Cervical Cancer, Uterine Cancer, Cancer of the Vulva and Vagina, Cancer of the Fallopian Tubes and Systemic Lupus Erythematosus with Lupus Nephritis. The other critical illness refer to Heart Attack, Stroke, Coronary Artery By-Pass Surgery, Kidney Failure, Aplastic Anaemia, Blindness, End Stage Lung Disease, End Stage Liver Failure, Coma, Deafness, Heart Valve Surgery, Loss of Speech, Major Burns, Major Organ/Bone Marrow Transplanation, Mutiple Sclerosis, Muscular Dystrophy, Paralysis, Parkinson’s Disease, Surgery to Aorta, Alzhemier’s Disease/Severe Dementia, Fulminant Hepatitis, Motor Neurone Disease, Primary Pulmonary Hypertension, HIV due to Blood Transfusion and Occupationally Acquired HIV, Benign Brain Tumour, Bacterial Meningitis, Major Head Trauma, Progressive Sclerodema, other Major Cancers not listed above but fulfill the Major Cancer Definition. Read more +	S$15,000 S$7,000	S$20,000 S$10,000	S$40,000 S$20,000
2. Non-invasive Female Cancer Breast Cancer Ovarian Cancer Cervical Cancer Uterine Cancer Cancer of Vulva and Vagina Cancer of the Fallopian Tubes	S$1,500	S$2,000	S$4,000
3. Hospitalisation Expenses Breast Cancer Ovarian Cancer Cervical Cancer Uterine Cancer Cancer of Vulva and Vagina Cancer of the Fallopian Tubes Rheumatoid Arthritis Osteoporosis Urinary Incontinence Requiring Surgical Repair Applicable to benefit 3 only: Pre-Hospitalisation Diagnostics Services within 30 days of admission, Post Hospitalisation Consultation Services & Diagnostic Tests within 30 days from the date of discharge, Daily Room & Board $250 per person per day, Daily Internsive Care Unit, Hospital Miscellaneous Expenses, Surgery & Anaesthetist Fees, In Hospital Physician Visits, Outpatient Cancer Treatment, Outpatient Kidney Dialysis, Home Nursing following Hospitalisation (up to 26 weeks for one period of insurance and for any one claim). Subject to the reasonable and customary charges. Read more +	As charged up to the Annual LimitPer Person Per Year
	Annual limit of S$10,000	Annual limit of S$15,000	Annual limit of S$20,000
4. Female-Related Illness Rheumatoid Arthritis Osteoporosis Urinary Incontinence Requiring Surgical Repair	S$1,500	S$2,000	S$4,000
5. Maternity Complications Ectopic Pregnancy Miscarriage Due to Accident Pre-Eclampsia Disseminated Introvascular Coagulation	S$1,500	S$2,000	S$4,000

Applicable to all benefits: All Pre-Existing Conditions are permanently excluded.

The respective waiting and survival periods apply for the following Benefits:	Waiting Period	Survival Period
Benefit 1	90 days	30 days
Benefits 2 and 4	180 days	30 days
Benefits 3	30 days	30 days
	365 days	30 days

What It Costs

Premiums (Inclusive of 7% GST)
Monthly - Age Band	Plan A	Plan B	Plan C
18-30 31-40 41-45 46-50 51-55 56-59 (Renewal Only) 60-64 (Renewal Only)	S$17 S$28 S$39 S$56 S$67 S$72 S$85	S$18 S$33 S$49 S$72 S$87 S$94 S$114	S$23 S$51 S$82 S$123 S$150 S$159 S$201
Annual - Age Band
18-30 31-40 41-45 46-50 51-55 56-59 (Renewal Only) 60-64 (Renewal Only)	S$193 S$330 S$463 S$666 S$793 S$854 S$1,019	S$212 S$388 S$587 S$863 S$1,037 S$1,118 S$1,356	S$267 S$605 S$982 S$1,470 S$1,798 S$1,906 S$2,411

Terms and Conditions

1. Based on the profile of an 18-30 year-old purchasing plan A and 365 days in a year.

2. Lady Medicare is a product of and underwritten by MSIG Insurance (Singapore) Pte Ltd ("MSIG Insurance") and not Standard Chartered Bank.

3. An illustration only.

This is general product information provided by us. You should seek advice from a qualified advisor if in doubt. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.

This webpage describes the product(s) and service(s) provided by MSIG Insurance (Singapore) Pte. Ltd. ("MSIG Insurance") in alliance with Standard Chartered Bank. The contents of this webpage do not constitute a contract of insurance and reference should be made to the policy for the exact terms and conditions applicable to the insurance policy, which will be sent to you upon the acceptance of your application by MSIG Insurance. The product(s) described in this webpage are product(s) of and underwritten by MSIG Insurance and not Standard Chartered Bank. In facilitating any insurance arrangement or in referring customers to MSIG Insurance, Standard Chartered Bank is acting in alliance with MSIG Insurance and not as an agent for the customers. Standard Chartered Bank shall not be liable in any manner whatsoever regarding your application or the contract of insurance.

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