Coverage (Personal Accident)
Class 1
Professional and Administrative duties of mainly sedentary ature.
E.g. Accountants, Administrators, Architects, Auditors, Bankers, Clergymen, Clerks, Dentists, Indoor Sales Representatives, Lawyers, Merchants, Medical Practitioners, Secretaries, Stock Brokers, Surgeon (Veterinary) and Teachers.
Class 2
Outdoor non-manual occupation or which involves occasional light manual work excluding the use of tools or machinery.
E.g. Outdoor salesmen, Civil Engineers, Commercial Travellers, Decorators (superintending), Grocers, Hairdressers, Pharmacists and Surveyors.
Class 3
Manual Labour and work but not related to offshore risk or great heights or depths.
E.g. Chefs, Couriers, Domestic Helpers, Electrician, Factory Production Workers, Furniture Movers, Hawkers/Stallholders, Cleaners, Taxi Drivers and Technicians.
| Maximum Benefit (S$) | |||||
|---|---|---|---|---|---|
| Benefits | Plan 1 | Plan 2 | Plan 3 | Plan 4 | |
| 1 | Accidental Death | $50,000 | $100,000 | $200,000 | $500,000 |
| 2 | Permanent Total Diablement | $50,000 | $100,000 | $200,000 | $500,000 |
| 3 | Weekly Benefit for Temporary Total Disablement to the insured up to 104 weeks | 50 per week |
100 per week |
200 per week |
500 per week |
| 4 | Scarring & Disfiguement of the Face | $2,500 | $5,000 | $10,000 | $25,000 |
| 5 | Accidental Medical Expenses for in-hospital or out-patient treatment | $1,500 | $3,000 | $5,000 | $10,000 |
| 6 | Traditional Chinese Medicine Expenses | $750 | $750 | $750 | $750 |
| 7 | Prosthetics and Mobility Aid | $1,000 | $2,000 | $2,000 | $2,000 |
| 8 | Ambulance Charges | $500 | $500 | $500 | $500 |
| 9 | Medical Report Charges | $100 | $100 | $100 | $100 |
| 10 | Child Coverage for Benefit 1, 2, 5, 6 | 10% | 10% | 10% | 10% |
| Annual Premium Inclusive of 7% GST for Class 1 & 2 Occupations | $108 | $123 | $212 | $562 | |
| Annual Premium Inclusive of 7% GST for Class 3 Occupations | $215 | $245 | $425 | NA | |
| Enhanced Benefits | A | B |
|---|
| 13 | Additional Sum Insured for Accident Medical Expenses (Plan Benefit 5) | $1,000 | $2,000 |
| 14 | Additional Sum Insured for Trational Chinese Medicine | $500 | $1,000 |
| 15 | Daily Hospitalisation Allowance for up to 60 days per accident | 100 per day | 200 per day |
| 16 | Emergency Medical Evacuation | $10,000 | As Charged |
| 17 | Repatriation Expenses for returning the Insured’s mortal remains | $10,000 | As Charged |
| 18 | Compassionate Allowance for Accidental Death | $2,500 | $5,000 |
| 19 | Parents Shield for each dependent parent in the event of Accidental Death | $2,500 | $5,000 |
| 20 | Lifestyle Maintenance for Permaent Total Disablement | $2,500 | $5,000 |
| 21 | Home and Vehicle Retrofitting Expenses for Permanent Total Disablement | $2,500 | $5,000 |
| 22 | Credit Card Indemity in the event of Accidental Death or Permanent Total Disability | $500 | $1,000 |
| 23 | Bereavement Counselling for Insured’s Family in the event of Accidental Death to the Insured Person | $2,500 | $5,000 |
| 24 | Rehabilitation Counselling for Insured Person suffering Permanent Disablement | $2,500 | $5,000 |
| Additional Annual Premium inclusive of 7% GST for Class 1 and Class 2 Occupations | $40 | $86 |
| Additional Annual Premium inclusive of 7% GST for Class 3 Occupations | $80 | NA |