Personal Accident

SpecialCare (Autism): Comprehensive Protection for Children with Autism and Their Parents

Are you a parent of a child with autism? You're not alone. In Singapore, about 1 in 150 children has autism . That's why Income has created SpecialCare (Autism), the first insurance plan specially designed for children with autism. Let's explore how this unique plan can provide peace of mind for both you and your child.

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What is SpecialCare (Autism)?

SpecialCare (Autism) is a comprehensive insurance plan that covers both your child with autism and you, the parent . It provides protection against accidents, infectious diseases, and even includes personal liability coverage. The best part? It starts from as little as $0.55 per day.

Key Features of SpecialCare (Autism)

Accident Coverage for Your Child

  • Outpatient expenses: Up to $3,000 per policy year

  • Hospitalisation expenses: Up to $7,500 per policy year

  • Permanent disability: Up to $60,000 payout

Daily Hospital Income

Receive up to $75 per day for up to 60 days for each accident

Therapy Coverage

Up to $2,000 per policy year for physiotherapy or psychiatric therapy after an accident

Mobility Aid Coverage

Up to $1,000 per policy year for mobility aids needed after an accident

24-Hour Global Protection

Covers injuries due to accidents and 21 infectious diseases, anywhere in the world

Personal Liability Coverage

Up to $5,000 per policy year if your child accidentally injures someone or damages property in Singapore

Protection for Parents

  • Up to $60,000 payout if you (the policyholder) become permanently disabled or pass away due to an accident

  • Premium waiver for 5 years if you pass away due to an accident

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What Does It Cover?

SpecialCare (Autism) offers two plans with different levels of coverage. Here's a simple breakdown:

For Your Child (Plan 1 / Plan 2)

  • Permanent Disability: Up to $30,000 / $60,000 per policy year

  • Outpatient Expenses: Up to $2,000 / $3,000 per policy year

  • Hospitalisation Expenses: Up to $5,000 / $7,500 per policy year

  • Daily Hospital Income: $50 / $75 per day (up to 60 days per accident)

  • Mobility Aids: Up to $500 / $1,000 per policy year

  • Physiotherapy and Psychiatric Therapy: Up to $1,000 / $2,000 per policy year

  • Personal Liability: Up to $5,000 per policy year (both plans)

For You (the Parent)

  • Accidental Death and Permanent Disability: Up to $30,000 / $60,000 in your lifetime

  • Premium Waiver: Up to 5 years if you pass away due to an accident

How Much Does It Cost?

The yearly premium is very affordable:

Age 15 days to 30 years old:

  • Plan 1: $201.70
  • Plan 2: $358.58

These premiums include 9% GST and may be reviewed from time to time.

Real-Life Examples

Accidental Injury

If your child falls and breaks an arm: Outpatient and hospitalisation expenses would be covered, you'd receive daily hospital income for each day of hospitalisation, and physiotherapy expenses would be covered after the accident.

Infectious Disease

If your child contracts one of the covered infectious diseases: Medical expenses would be covered up to $1,000 (Plan 1) or $2,000 (Plan 2).

Personal Liability

If your child accidentally breaks a neighbor's window: The plan would cover damages up to $5,000.

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Pros and Cons

Pros

  • First insurance plan specifically designed for children with autism

  • Covers both child and parent

  • Affordable premiums

  • Comprehensive coverage including accidents, infectious diseases, and personal liability

  • Global coverage for up to 90 days per policy year

  • No medical check-up required

Cons

  • Coverage ends at age 30

  • Some benefits have sub-limits

  • Premiums may increase over time (not guaranteed)

Frequently Asked Questions

Who is eligible for this plan?

Children with autism from 15 days to 30 years old, holding a valid Singapore identification document.

Does this plan cover pre-existing conditions?

The plan focuses on accidents and specific infectious diseases, not pre-existing conditions.

Can I upgrade from Plan 1 to Plan 2 later?

You may be able to upgrade at policy renewal, subject to Income's approval.

What happens when my child turns 31?

The policy will terminate when your child reaches 31 years old.

Are the premiums fixed?

Premiums are not guaranteed and may be reviewed from time to time.

Wrapping It Up

SpecialCare (Autism) offers a unique and comprehensive insurance solution for children with autism and their parents . It provides financial protection against accidents and infectious diseases, along with additional benefits like personal liability coverage and parent protection.

With its affordable premiums and tailored benefits, it addresses the specific needs of families caring for children with autism. However, it's important to consider the coverage limits and potential premium increases over time.

Remember, the best insurance is the one that fits your specific needs and situation. Consider your child's needs, your family's financial situation, and any existing coverage before making a decision.

Get Expert Advice

Ready to take the next step? Don't rely on just one opinion. Get expert insights tailored to your unique situation. Sign up now to receive 5 expert opinions on insurance for children with special needs. These professionals will review your family's needs and provide personalised recommendations, helping you make the most informed decision possible.

By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your child with autism. Don't leave your family's protection to chance – get the expert advice you deserve today.

Click here to get 5 expert opinions on insurance for children with special needs