Accidents can happen anytime, anywhere. Although you cannot prevent accidents, you can protect yourself and your family from the consequences. personal accident insurance products are designed to provide protection for the Insured Person against death, disability and any financial impact he/she may have as a result of hospitalization or required medical treatment due to an accident.
Accidental death or permanent disablement
- Pays you a lump sum benefit in the event of death or permanent disablement.
Double indemnity for accident on public conveyance
- Pays you double the Capital Sum Insured* benefits when death occurs when you travel as a passenger on a public transport. Excludes claims resulting from to acts of Terrorism.
Medical expenses for accidents (per accident)
- Reimburses you for inpatient and outpatient medical expenses incurred due to an accident
- This includes expenses incurred for treatment by a Chinese Physician and Chiropractor.
Weekly income benefit^ (per accident)
- Temporary Total Disablement (TTD)
- Temporary Partial Disablement (TPD)
- Provides a weekly benefit of up to 104 weeks if you suffer from TTD or TPD
Recuperation benefits (per accident)
- Pays you a daily recuperation benefit of up to 365 days if you are hospitalised.
ICU recuperation benefit (per accident)
- Provides you a daily recuperation benefit of up to 30 days if you are warded in an ICU.
Emergency medical evacuation & repatriation of mortal remains (per policy period)
- Covers the expenses incurred for emergency medical evacuation.
- You are also covered for repatriation of mortal remains
- Benefits falling under this benefit will be serviced by our 24-hour hotline while you are overseas.
Trauma support(per policy period)
- Indemnifies you for expenses incurred for counselling if you are diagnosed for post-traumatic stress disorder as a result of permanent disablement*.
Mobility aid & prosthesis (per policy period)
- Reimburses you for the purchase or rental of mobility aid equipments such as wheelchairs, crutches, hearing aids, artificial limb, etc.
Home & vehicle modifications (per policy period)
- Covers you for expenses incurred in modifying your residence or vehicle if you suffer from permanent disablement.
Caregiver grant (per policy period)
- Pays you a lump sum benefit to hire a caregiver if you suffer from permanent disablement#.
- Provides your family a lump sum benefit in the event of your death.
Important Notes : This information is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract.
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