Personal Accident

SpecialCare (Down Syndrome) Insurance: Your Complete Guide to Comprehensive Coverage

Are you caring for a loved one with Down syndrome? You're not alone. Caring for someone with special needs can be challenging, both emotionally and financially. That's where SpecialCare (Down Syndrome) Insurance comes in. Let's explore how this unique plan can provide peace of mind and financial support for you and your loved one.

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What is SpecialCare (Down Syndrome) Insurance?

SpecialCare (Down Syndrome) is the first insurance plan in Singapore specifically designed for individuals with Down syndrome . It's a personal accident policy that provides comprehensive coverage for both the person with Down syndrome and their caregiver. Here's what makes it special:

1. Affordable: Costs as little as $0.55 per day

2. Comprehensive: Covers accidents, hospital stays, and even infectious diseases

3. Caregiver Protection: Includes benefits for parents or legal guardians

4. Global Coverage: Protects your loved one 24/7, even when traveling

Key Features of SpecialCare (Down Syndrome)

Accident Coverage

Pays for outpatient and hospital expenses due to accidents. Provides a payout for permanent disability caused by accidents. Offers daily hospital income for up to 60 days per accident.

Medical Support

Covers physiotherapy and psychiatric therapy after an accident. Helps pay for mobility aids if needed after an accident.

Infectious Disease Protection

Covers medical expenses for 21 specified infectious diseases.

Caregiver Benefits

Provides a payout if the caregiver becomes permanently disabled or passes away due to an accident. Waives premiums for 5 years if the caregiver passes away due to an accident.

Personal Liability Coverage

Protects against accidental injury to others or damage to others' property.

Why compare SpecialCare (Down Syndrome) Insurance with other Personal Accident options through Whatins?

Traditional Approach

  • Limited to one company's definitions
  • May not know about better coverage elsewhere
  • Single view on occupation classifications

Whatins Advantage

  • Compare accident definitions across insurers
  • See how different plans cover various activities
  • Get multiple views on occupation coverage
  • Understand different approaches to sports coverage

In summary: If you want more control and multiple suggestions, then Whatins is the way to go.

What Does It Cover?

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

For the Person with Down Syndrome (Plan 1 / Plan 2):

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

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

  • Hospital Expenses (Accident): Up to $5,000 / $7,500 per policy year

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

  • Infectious Disease Coverage: Up to $1,000 / $2,000 per incident

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

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

For the Caregiver (Plan 1 / Plan 2):

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

  • Premium Waiver: Up to 5 years if caregiver passes away due to accident

Additional Benefits for Severe Disability:

  • Home Modification: Up to $3,000 / $6,000 in lifetime

  • Caregiver Training: Covered as charged (once per accident)

How Much Does It Cost?

The cost depends on the plan you choose:

Plan 1: $201.70 per year

Plan 2: $358.58 per year

These prices are for individuals aged 15 days to 30 years old and include 9% GST.

Real-Life Examples

Accidental Injury

If your loved one falls and breaks a bone: Medical expenses would be covered up to the plan limit. They would receive daily hospital income if admitted. Follow-up physiotherapy would be covered.

Infectious Disease

If they contract a covered infectious disease: Medical expenses would be covered up to $1,000 (Plan 1) or $2,000 (Plan 2).

Caregiver Accident

If you, as the caregiver, are permanently disabled in an accident: You'd receive a lump sum payout of up to $30,000 (Plan 1) or $60,000 (Plan 2).

Pros and Cons

Pros

  • First insurance plan in Singapore specifically for individuals with Down syndrome

  • Comprehensive coverage for both the individual and caregiver

  • Affordable premiums

  • Global coverage for up to 90 days per policy year

  • Covers a wide range of scenarios, including accidents and infectious diseases

Cons

  • Coverage limits may be lower than some general accident insurance plans

  • Age limit of 30 years old for new applications

  • Some benefits have waiting periods or time limits

Frequently Asked Questions

Who is eligible for this plan?

Individuals with Down syndrome aged 15 days to 30 years old at policy start date.

Can the plan be renewed after age 30?

Yes, the plan can be renewed as long as it remains in force.

What's not covered?

Pre-existing conditions, self-inflicted injuries, and professional sports are typically not covered.

Is there a waiting period?

Yes, there's a 14-day waiting period for infectious disease coverage from the policy start date.

Can I change plans later?

You may be able to upgrade your plan at renewal, subject to approval.

Wrapping It Up

SpecialCare (Down Syndrome) offers a unique and comprehensive insurance solution for individuals with Down syndrome and their caregivers . It provides financial protection against accidents and infectious diseases, along with support for caregivers, all at an affordable price.

While it has some limitations, such as coverage limits and age restrictions for new applicants, it fills a crucial gap in the insurance market for individuals with special needs. The plan's holistic approach, covering both the individual and caregiver, sets it apart from general accident insurance policies.

Remember, the best insurance is the one that fits your specific needs and situation. Consider your loved one's health, your financial situation, and your long-term care plans before making a decision.

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 individuals with Down syndrome. These professionals will review your needs and provide personalised recommendations, helping you make the most informed decision possible.

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

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