KidAssure GIO Rider is the first-of-its-kind juvenile protection to cover child-related illnesses with guaranteed acceptance - all with no medical underwriting required! Designed to provide coverage for the child up to age 19, it can be easily added to selected basic plans for a sum assured of up to S$150,000. KidAssure GIO Rider provides parents with affordable coverage for their child, for that added peace of mind.  

  • 100% Guaranteed Acceptance
    Easy and hassle-free application as no medical underwriting1 is required.

  • 5 Years Premium Commitment Only
    Pay for only 5 years and cover your child all the way till age 19.

  • 80% Refund of Premium Benefit
    80% of the total annual premiums2 paid for the rider will be refunded when the child reaches age 19, regardless of any prior claims on Child Illness Benefit and Child Hospitalisation Benefit.

  • 16 Conditions Covered by Child Illness Benefit
    20% of the rider sum assured will be payable for each medical condition. Up to 5 Child Illness Benefits3 can be claimed without reducing the rider sum assured.

    These 16 conditions4 are: Autism of Specific Severity, Bacterial Meningitis, Generalised Tetanus, Insulin Dependent Diabetes Mellitus, Kawasaki Disease, Leukaemia, Loss of Use of Limbs, Major Head Trauma, Osteogenesis Imperfecta, Glomerulonephritis with Nephrotic Syndrome, Severe Asthma, Severe Epilepsy, Severe Juvenile Rheumatoid Arthritis, Type 1 Juvenile Spinal Amyotrophy, Viral Encephalitis and Wilson's Disease.

  • 8 Conditions Covered by Child Hospitalisation Benefit
    1% of the rider sum assured will be payable for each condition that results in a hospital stay. Up to 5 Child Hospitalisation Benefits can be claimed without reducing the rider sum assured.

    These 8 conditions4 are: Burn, Choking, Dengue Fever, Hand, Foot & Mouth Disease (HFMD), Measles, Pulmonary Tuberculosis, Rabier and Zika.

  • 100% Death Benefit
    100% of the rider sum assured will be payable upon death5 during the rider term, regardless of any prior claims.
1 Health declaration is required.
2 ‘Total annual premiums’ refer to the total annual premiums paid for the rider, even if the premium mode is monthly, quarterly or half-yearly, excluding any premium loadings and interest paid for loans and reinstatement (if applicable) on the rider.
3 The Child Illness Benefit will not be payable if the child has a pre-existing condition.
Refer to Product Summary for the definitions of each of the conditions.
5 If death occurs due to a pre-existing condition, the total annual premiums (without interest) payable up to the date of death, less any indebtedness, will be payable instead. A 12-month waiting period applies to the Death Benefit. Refer to the Product Summary for more details.

Important Notes

All ages mentioned in this marketing material are based on age next birthday.

This marketing information is not intended as an offer or recommendation to the purchase of any insurance plan. This plan is underwritten by Tokio Marine Life Insurance Singapore Ltd. and is only available through our authorised distributors. Kindly obtain the required product disclosures and seek advice from a financial adviser before making a commitment to purchase this plan. As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. It is also detrimental to replace an existing life insurance policy with a new one as the new policy may cost more or have fewer benefits at the same cost.

For policies distributed in Singapore: This policy is protected under the Policy Owners’ Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of the coverage, where applicable, please contact us or visit the LIA or SDIC websites ( or

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Information shown in this webpage is for reference only and is correct as at 1 Feb 2019.

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