Personal Accident Insurance

Temporary disablement is not covered under the standard policy package (just the policy without additional riders). However, if you have purchased the optional Weekly Temporary Disablement Benefit, we will cover you for each complete 7-day period (up to 104 weeks) that you remain continuously disabled should you sustain any Accidental Injury that prevents you from attending to more than 50% of the normal duties of your gainful employment. Please refer to your policy wording for further details.

Mobility aid, ambulance services reimbursement and home modification due to or arising from an accidental injury are not covered under the standard policy package. However, if you have purchased the Mobility Aid and Ambulance Services Reimbursement / Home Modification optional benefit, we will cover you for reimbursement of ambulance services incurred as a direct result of your accidental injury, any equipment prescribed by your attending doctor to aid mobility and/or the necessary cost of modifying your home to aid mobility. Please refer to our policy wording for further details.

The following optional benefits are available:

• Weekly Temporary Disablement Benefit
• Mobility Aid / Ambulance Services Reimbursement / Home Modification

Please refer to our policy wording for further details.
 

Yes. If you satisfy the criteria for personal accident insurance listed in the Overview and Eligibility section above, you can purchase your insurance and make payment online. Once we give you confirmation that we have received your premium through our online payment gateway, you will have successfully purchased your policy. This should take a minute or two, and you will then be insured.

The policy covers you for disablements such as:

• Total paralysis
• Loss of sight
• Loss of limb(s)
• Loss of finger(s)
• Loss of toe(s)
• Loss of hearing
• Loss of speech
• Third degree burns

Please refer to our policy wording for further details.
 

The policy covers you for reimbursement of medical expenses incurred for treatment of your accidental injury. Please refer to our policy wording for further details.

The policy covers you for reimbursement of medical expenses incurred for physiotherapy treatment of your accidental injury by a physiotherapist as referred by a doctor. Please refer to our policy wording for further details.

Yes, the policy covers you while you are outside of Singapore, for no more than 182 days in any year.

You are covered for all sports and leisure activities if you take part in them on a recreational basis. However, the policy does not cover the dangerous sports and leisure activities below:

• Any aerial activities (except hot air ballooning) including but not limited to bungee jumping, parachuting, paragliding, sky diving, free-flying, B.A.S.E jumping, and cliff jumping.
• Any underwater activities more than forty (40) metres in depth.
• Caving, potholing, rock climbing and mountaineering which involves using ropes or guides.
• Hiking, trekking (including mountain trekking), hill walking, or rambling above 3,000 metres.
• Any leisure or sports activities either as a professional or where you would or could earn or receive remuneration, donation, sponsorship or financial rewards of any kind.
• Any leisure or sports activities where you are competing in or practising for speed or time trial, sprint, or racing of any kind.
• Your participation in any leisure or sports activities where the following conditions are not met:

i) You obey the rules (including wearing appropriate safety equipment) and regulations recommended by the operator and take necessary precautions as a reasonable person; and (ii) You carry out such activities under the guidance and supervision of qualified guides and/or instructors of the operator where qualified guides and/or instructors are available.
 

The policy covers you for each complete 24-hour period, up to 365 days, that you are confined as an in-patient at a hospital for the sole purpose of treatment of your accidental injury. Please refer to our policy wording for further details.