Personal Accident Insurance

Your health is your most important asset. Get the peace of mind of knowing that you and your family are protected.

Sompo Insurance

PAStar provides comprehensive coverage against accidents and 17 infectious diseases

Medical expenses coverage for accidents and 17 Specified Infectious Disease including Dengue Fever, Hand Foot Mouth Disease and ZIKA virus.
Marriage Bonus Allowance of S$100.
Cancellation of Staycation or Covered Event Due to Hospitalisation.
Baby Bonus Allowance of S$100.
Full Terrorism Coverage.
Weekly Income Benefit up to S$500.
Free Extension Coverage for Food Poisoning, Accidental Miscarriage, Insect / Animal Bites.

BENEFITS AT A GLANCE (S$)

Basic Cover Benefits Per Insured Adult	Deluxe	Elite	Elite Plus	Elite Max
A. Accidental Death and Permanent Disablement	$100,000	$200,000	$500,000	$1,000,000
B. Medical Expenses (per Accident)	$3,000	$4,000	$7,000	$7,500
Sub-limit for treatment by a Chiropractor or Chinese Physician	$300 per Accident (up to $50 per visit) subject to max. $600 per Policy Year	$600 per Accident (up to $100 per visit) subject to max. $1,200 per Policy Year
Sub-limit for treatment by a Physiotherapist (per Policy Year)	$1,000	$1,500	$1,500	$1,500
C. Daily Hospitalisation Allowance (per day) up to 365 days for any one Accident	$100	$150	$300	$400
D. Weekly Income Benefit (per week) for temporary disablement up to 104 weeks in a row for any one Accident	$100	$200	$400	$500
E. Family/Parental Allowance (per month) for 12 months in the event of Accidental Death	$2,000	$3,000	$3,000	$3,000
F. Re-employment Benefit (upon ≥ 50% Permanent Disablement payment)	$1,000	$2,000	$2,000	$2,000
G. Personal Effects & Belongings damaged as a result of an accident payable under the policy (per Policy Year)	$300	$400	$400	$400
H. Emergency Medical Evacuation & Repatriation per Policy Year	$50,000 per Insured Person subject to $100,000 in aggregate
I. Tuition Benefit for each Insured Child (per month) for 12 months	$200	$300	$300	$300
J. Mobility Aid purchase or rental of Mobility Aid as prescribed by a Registered Medical Practitioner (per Accident)	$3,000	$4,000	$4,000	$4,000

Free Extensions	Deluxe	Elite	Elite Plus	Elite Max
– Accidental Miscarriage and Recuperation Cash Allowance – Baby Bonus Allowance – Cancellation of Staycation or Covered Event due to Hospitalisation – Disappearance – Domestic Maid – Double Hospitalisation Allowance in ICU Arising from Accidents – Double Indemnity for Accidental Death as A Passenger in a Public Transport – Exposure – Facial Disfigurement & Reconstructive Surgery – Food Poisoning – Full Terrorism Cover – Full-Time National Service when off-duty – Infectious Diseases* – Insect / Animal Bites – Marriage Bonus Allowance – Motorcycling – No Claim Bonus – Reservist Training – Riot, Strike, Civil commotion, Hijack, Murder and Assault – Suffocation by Smoke, Poisonous Fumes, Gas & Drowning – Survivor Benefit (free 6 months policy extension) – Trauma Counselling Expenses





BENEFITS per child	Deluxe	Elite	Elite Plus	Elite Max
A. Accidental Death and Permanent Disablement B. Medical Expenses C. Daily Hospitalisation Allowance H. Emergency Medical Evacuation & Repatriation J. Mobility Aid	25% of parent’s Sum Insured based on the lower of the parent’s selected plan. Where Elite Plus or Elite Max plans are selected, benefits per child will be computed based on 25% of Elite Plan’s Sum Insured.
OPTIONAL COVERS ENHANCED BENEFITS per Insured Adult	Deluxe	Elite	Elite Plus	Elite Max
K. ID Booster providing Daily Hospitalisation Allowance (per day) (up to 60 days) – Due to 17 Specified Infectious Diseases	$100	$150	$300	$400
L. Education Fund for Insured Child(ren) upon Accidental Death of the Insured Self and/or Insured Spouse	$25,000 per Policy Year
M. Parent’s Cover up to 4 parents including parents-in-law if both Insured Adults are covered under the same PAStar	$25,000 (upon Accidental Death / Permanent Disability)

*List of 17 Specified Infectious Diseases
– Severe Acute Respiratory Syndrome (SARS)
– Dengue Fever / Dengue Hemorrhagic Fever
– Variant Creutzfeldt-Jakob Disease (vCJD) or ‘Mad Cow Disease’
– Nipah Viral Encephalitis
– Japanese Viral Encephalitis
– Malaria
– Pulmonary Tuberculosis
– Measles
– Rabies
– Melioidosis
– Hand, Foot, Mouth Disease (HFMD)
– Avian Influenza or ‘Bird Flu’ due to Influenza A viral strains H1N1, H5N1, H9N2, H7N7 or H7N9
– Chikungunya Fever
– Mumps
– Rubella
– Middle East Respiratory Syndrome (MERS)
– ZIKA virus

PERMANENT DISABLEMENT TABLE OF BENEFITS

Description of Permanent Disablement (PD) (Please refer to our office or website for full PD Table of Benefits)	% of Capital Sum Insured Payable
1. Total paralysis of all limbs	150%
2. Total and permanent loss of all sight of
– both eyes	150%
– one eye	100%
3. Total loss of speech	50%
4. Total loss of speech and hearing in both ears	150%
5. Total loss by physical severance or total and permanent loss of use of
– two whole limbs or two feet/hands	150%
– one leg at hip or between hip and ankle	100%
– loss of one arm at shoulder or between shoulder and wrist	100%
– one hand or one foot	100%
6. Total loss by physical severance or total and permanent loss of use of both thumbs and all fingers	100%
7. Total loss by physical severance or total and permanent loss of use of index finger	5% to 15%
8. Total loss by physical severance or total and permanent loss of use of little finger	3% to 10%
9. Total loss by physical severance or total and permanent loss of use of toes	3% to 18%
10. Fractured leg or patella with established non-union of leg or shortening of leg by at least five centimetres	10%
11. Third Degree Burns	50% to 100%
Where the injury is not specified, the Company will adopt a percentage of disablement, which in its opinion is not inconsistent with the provisions of the Table of Benefits.

Basic Cover Section A to J Including Extended Benefits	Annual Premium (Inclusive of GST)
	Deluxe	Elite	Elite Plus	Elite Max
Per Insured Adult
CLASS 1	$194.40	$313.20	$313.20	$1,096.20
CLASS 2	$237.60	$383.40	$792.72	$1,182.60
CLASS 3	$464.40	N.A.	N.A.	N.A.
Per Insured Child
If BOTH parents are covered under the same PAStar	FREE for unlimited number of Children
If only ONE parent is covered under the same PAStar	$47.52	$79.92	$79.92	$79.92
Optional Covers
Per Insured Adult
K. ID Booster according to plan selected	$19.44	$23.76	$43.20	$54.00
L. Education Fund Per unit of S$25,000	$27.00	$27.00	$27.00	$27.00
M. Parent’s Cover Per Parent	$32.40	$32.40	$32.40	$32.40
Per Insured Child
K. ID Booster – If BOTH parents are covered for ID Booster	FREE for unlimited number of Children
– If only ONE parent is covered for ID Booster	$5.40	$6.48	$6.48	$6.48

Classification of Occupation

CLASS 1 Persons engaged in indoor & non-manual work in non-hazardous places	CLASS 2 Persons engaged in outdoor, supervisory or occasional manual work not involving the use of tools or machinery or exposure to any special hazards	CLASS 3 Persons engaged in manual work not of particularly hazardous nature but involving the use of tools or machinery
Examples – CLASS 1	Examples – CLASS 2	Examples – CLASS 3
– Admin-based Personnel (e.g. Assistant, Executive, Manager, Director) – Air Crew & Pilot (Off-duty cover only) – Architect – Dentist / Doctor (Non-veterinary) – Housewife / Homemaker – Indoor Sales / Marketing (More than 80% in the office) – MINDEF Admin Staff (Excludes field training) – National Service Full-Time (Off-duty cover only) – Nurse (Outpatient clinic) – Software Engineer – Student – Teacher	– Actor / Actress – Barber / Hairdresser – Florist – Factory Worker – Foreman (Non-construction) – Insurance Agent / Property Agent – Magician – Nurse – Outdoor Sales / Marketing – Surgeon – Unarmed Security Guard – Waiter / Waitress	– Air Conditioner / Appliance Repairman – Baker / Chef – Carpenter – Contractor – Driver (with Class 3 license) – Electrician – Gym / Fitness Instructor – Hawker / Hawker Assistant – Maintenance personnel (Inspector, Supervisor, Technician) – Painter (not working at heights above 30 feet) – Plumber – Technician

Who can enroll in the policy?

You must be:

between 16 years and 65 years old,
a Singapore Citizen, Singapore Permanent Resident or expatriate or foreigner holding a valid employment pass, work permit, dependent pass, or student pass, and
residing in Singapore.

If you are studying or working overseas and provided you are not away from Singapore for more than 180 consecutive days, please contact Sompo for a separate quotation.

Can I claim for medical expenses and TCM treatment as a result of sprain, strain, back pain or skeletal muscle injuries?

For you to be eligible to claim for medical expenses/TCM treatment, there must be an Accident which result in sprain, strain, back pain or skeletal muscle injuries and is not due to exercise or household chores or overuse of muscles.

Please note that Injury must be a visible damage or visible harm to the Insured Person’s body caused by an external force during the Period of Insurance which is caused directly and solely by an Accident.

For us to assess the claim, we will require you to provide a report from your Registered Medical Practitioner/Chinese Physician stating the visible injury observed during your medical consultation and the cause of the injury. Otherwise, we will not be able to consider the claim.

Do I need to go for any medical examination?

No, your application will be assessed based on the health declaration made by you.

What are the policy main exclusions?

Some of the policy main exclusions include medical conditions (except as provided for under the policy), pre-existing conditions, war, wilful and/or intentional act, non-prescribed use of drugs, intoxication, insanity, venereal disease, AIDS, childbirth, and specific occupations as stated in the policy wording. Cover for infectious diseases will cease if the infectious disease is declared as a pandemic or epidemic by the health authority in Singapore or the Government of the Republic of Singapore or by the World Health Organisation (WHO). Please refer to the Policy Wordings for the full set of terms and conditions.

Is there a waiting period before I can make a claim under Medical Expenses due to Infectious Diseases?

Yes. There is a fourteen (14) days waiting period applicable from the first inception date of cover for the insured person.

What are the 17 Specified Infectious Diseases covered under PAStar?

Severe Acute Respiratory Syndrome (SARS)
Dengue Fever / Dengue Haemorrhagic Fever
Variant Creutzfeldt-Jakob Disease (vCJD) or ‘Mad Cow Disease’
Nipah Viral Encephalitis
Japanese Viral Encephalitis
Malaria
Pulmonary Tuberculosis
Measles
Rabies
Melioidosis
Hand, Foot and Mouth Disease (HFMD)
Avian Influenza or ‘Bird Flu’ due to Influenza A viral strains H1N1, H5N1,H9N2,H7N7 or H7N9
Chikungunya Fever
Mumps
Rubella
Middle East Respiratory Syndrome (MERS)
Zika Virus

What happens if I have more than one PAStar policy with Sompo?

The policy with the highest limit will respond to any claims made.

Is there any Free Look Period?

Yes, you can enjoy 14 days Free Look from the day you receive your insurance policy. If the policy is not suitable for you, you can arrange to cancel your policy within this period and receive a full refund on the payment made provided no claim has been made under the policy. (Not applicable to renewals)

If I am required to serve Full-Time National Service, is the PAStar coverage still effective?

All claims arising directly or indirectly or in connection with Full-time National Service are not admissible. If you or the insured child are serving Full-Time National Service, the policy will extend to cover you or the insured child when you or the insured child are officially off-duty.

Can I upgrade my plan midway through my PAStar policy?

Plan upgrade can only be done upon renewal and subject to Sompo’s approval.

Will my No Claim Bonus be affected if another insured person in the policy (e.g. insured spouse) made a claim?

Yes, the sum insured increment will be suspended for all insured persons in the policy for the next renewal if a claim is made during the policy year. However, the current accumulated sum insured will not be forfeited.

Policy Owners’ Protection Scheme
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 coverage, where applicable, please contact Us or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)

Medical expenses coverage for accidents and 17 Specified Infectious Disease including Dengue Fever, Hand Foot Mouth Disease and ZIKA virus.
Marriage Bonus Allowance of S$100.
Cancellation of Staycation or Covered Event Due to Hospitalisation.
Baby Bonus Allowance of S$100.
Full Terrorism Coverage.
Weekly Income Benefit up to S$500.
Free Extension Coverage for Food Poisoning, Accidental Miscarriage, Insect / Animal Bites.

BENEFITS AT A GLANCE (S$)

Basic Cover Benefits Per Insured Adult	Deluxe	Elite	Elite Plus	Elite Max
A. Accidental Death and Permanent Disablement	$100,000	$200,000	$500,000	$1,000,000
B. Medical Expenses (per Accident)	$3,000	$4,000	$7,000	$7,500
Sub-limit for treatment by a Chiropractor or Chinese Physician	$300 per Accident (up to $50 per visit) subject to max. $600 per Policy Year	$600 per Accident (up to $100 per visit) subject to max. $1,200 per Policy Year
Sub-limit for treatment by a Physiotherapist (per Policy Year)	$1,000	$1,500	$1,500	$1,500
C. Daily Hospitalisation Allowance (per day) up to 365 days for any one Accident	$100	$150	$300	$400
D. Weekly Income Benefit (per week) for temporary disablement up to 104 weeks in a row for any one Accident	$100	$200	$400	$500
E. Family/Parental Allowance (per month) for 12 months in the event of Accidental Death	$2,000	$3,000	$3,000	$3,000
F. Re-employment Benefit (upon ≥ 50% Permanent Disablement payment)	$1,000	$2,000	$2,000	$2,000
G. Personal Effects & Belongings damaged as a result of an accident payable under the policy (per Policy Year)	$300	$400	$400	$400
H. Emergency Medical Evacuation & Repatriation per Policy Year	$50,000 per Insured Person subject to $100,000 in aggregate
I. Tuition Benefit for each Insured Child (per month) for 12 months	$200	$300	$300	$300
J. Mobility Aid purchase or rental of Mobility Aid as prescribed by a Registered Medical Practitioner (per Accident)	$3,000	$4,000	$4,000	$4,000

Free Extensions	Deluxe	Elite	Elite Plus	Elite Max
– Accidental Miscarriage and Recuperation Cash Allowance – Baby Bonus Allowance – Cancellation of Staycation or Covered Event due to Hospitalisation – Disappearance – Domestic Maid – Double Hospitalisation Allowance in ICU Arising from Accidents – Double Indemnity for Accidental Death as A Passenger in a Public Transport – Exposure – Facial Disfigurement & Reconstructive Surgery – Food Poisoning – Full Terrorism Cover – Full-Time National Service when off-duty – Infectious Diseases* – Insect / Animal Bites – Marriage Bonus Allowance – Motorcycling – No Claim Bonus – Reservist Training – Riot, Strike, Civil commotion, Hijack, Murder and Assault – Suffocation by Smoke, Poisonous Fumes, Gas & Drowning – Survivor Benefit (free 6 months policy extension) – Trauma Counselling Expenses





BENEFITS per child	Deluxe	Elite	Elite Plus	Elite Max
A. Accidental Death and Permanent Disablement B. Medical Expenses C. Daily Hospitalisation Allowance H. Emergency Medical Evacuation & Repatriation J. Mobility Aid	25% of parent’s Sum Insured based on the lower of the parent’s selected plan. Where Elite Plus or Elite Max plans are selected, benefits per child will be computed based on 25% of Elite Plan’s Sum Insured.
OPTIONAL COVERS ENHANCED BENEFITS per Insured Adult	Deluxe	Elite	Elite Plus	Elite Max
K. ID Booster providing Daily Hospitalisation Allowance (per day) (up to 60 days) – Due to 17 Specified Infectious Diseases	$100	$150	$300	$400
L. Education Fund for Insured Child(ren) upon Accidental Death of the Insured Self and/or Insured Spouse	$25,000 per Policy Year
M. Parent’s Cover up to 4 parents including parents-in-law if both Insured Adults are covered under the same PAStar	$25,000 (upon Accidental Death / Permanent Disability)

PERMANENT DISABLEMENT TABLE OF BENEFITS

Description of Permanent Disablement (PD) (Please refer to our office or website for full PD Table of Benefits)	% of Capital Sum Insured Payable
1. Total paralysis of all limbs	150%
2. Total and permanent loss of all sight of
– both eyes	150%
– one eye	100%
3. Total loss of speech	50%
4. Total loss of speech and hearing in both ears	150%
5. Total loss by physical severance or total and permanent loss of use of
– two whole limbs or two feet/hands	150%
– one leg at hip or between hip and ankle	100%
– loss of one arm at shoulder or between shoulder and wrist	100%
– one hand or one foot	100%
6. Total loss by physical severance or total and permanent loss of use of both thumbs and all fingers	100%
7. Total loss by physical severance or total and permanent loss of use of index finger	5% to 15%
8. Total loss by physical severance or total and permanent loss of use of little finger	3% to 10%
9. Total loss by physical severance or total and permanent loss of use of toes	3% to 18%
10. Fractured leg or patella with established non-union of leg or shortening of leg by at least five centimetres	10%
11. Third Degree Burns	50% to 100%
Where the injury is not specified, the Company will adopt a percentage of disablement, which in its opinion is not inconsistent with the provisions of the Table of Benefits.

Basic Cover Section A to J Including Extended Benefits	Annual Premium (Inclusive of GST)
	Deluxe	Elite	Elite Plus	Elite Max
Per Insured Adult
CLASS 1	$194.40	$313.20	$313.20	$1,096.20
CLASS 2	$237.60	$383.40	$792.72	$1,182.60
CLASS 3	$464.40	N.A.	N.A.	N.A.
Per Insured Child
If BOTH parents are covered under the same PAStar	FREE for unlimited number of Children
If only ONE parent is covered under the same PAStar	$47.52	$79.92	$79.92	$79.92
Optional Covers
Per Insured Adult
K. ID Booster according to plan selected	$19.44	$23.76	$43.20	$54.00
L. Education Fund Per unit of S$25,000	$27.00	$27.00	$27.00	$27.00
M. Parent’s Cover Per Parent	$32.40	$32.40	$32.40	$32.40
Per Insured Child
K. ID Booster – If BOTH parents are covered for ID Booster	FREE for unlimited number of Children
– If only ONE parent is covered for ID Booster	$5.40	$6.48	$6.48	$6.48

Classification of Occupation

CLASS 1 Persons engaged in indoor & non-manual work in non-hazardous places	CLASS 2 Persons engaged in outdoor, supervisory or occasional manual work not involving the use of tools or machinery or exposure to any special hazards	CLASS 3 Persons engaged in manual work not of particularly hazardous nature but involving the use of tools or machinery
Examples – CLASS 1	Examples – CLASS 2	Examples – CLASS 3
– Admin-based Personnel (e.g. Assistant, Executive, Manager, Director) – Air Crew & Pilot (Off-duty cover only) – Architect – Dentist / Doctor (Non-veterinary) – Housewife / Homemaker – Indoor Sales / Marketing (More than 80% in the office) – MINDEF Admin Staff (Excludes field training) – National Service Full-Time (Off-duty cover only) – Nurse (Outpatient clinic) – Software Engineer – Student – Teacher	– Actor / Actress – Barber / Hairdresser – Florist – Factory Worker – Foreman (Non-construction) – Insurance Agent / Property Agent – Magician – Nurse – Outdoor Sales / Marketing – Surgeon – Unarmed Security Guard – Waiter / Waitress	– Air Conditioner / Appliance Repairman – Baker / Chef – Carpenter – Contractor – Driver (with Class 3 license) – Electrician – Gym / Fitness Instructor – Hawker / Hawker Assistant – Maintenance personnel (Inspector, Supervisor, Technician) – Painter (not working at heights above 30 feet) – Plumber – Technician

Who can enroll in the policy?

You must be:

between 16 years and 65 years old,
a Singapore Citizen, Singapore Permanent Resident or expatriate or foreigner holding a valid employment pass, work permit, dependent pass, or student pass, and
residing in Singapore.

If you are studying or working overseas and provided you are not away from Singapore for more than 180 consecutive days, please contact Sompo for a separate quotation.

Can I claim for medical expenses and TCM treatment as a result of sprain, strain, back pain or skeletal muscle injuries?

Do I need to go for any medical examination?

No, your application will be assessed based on the health declaration made by you.

What are the policy main exclusions?

Is there a waiting period before I can make a claim under Medical Expenses due to Infectious Diseases?

Yes. There is a fourteen (14) days waiting period applicable from the first inception date of cover for the insured person.

What are the 17 Specified Infectious Diseases covered under PAStar?

Severe Acute Respiratory Syndrome (SARS)
Dengue Fever / Dengue Haemorrhagic Fever
Variant Creutzfeldt-Jakob Disease (vCJD) or ‘Mad Cow Disease’
Nipah Viral Encephalitis
Japanese Viral Encephalitis
Malaria
Pulmonary Tuberculosis
Measles
Rabies
Melioidosis
Hand, Foot and Mouth Disease (HFMD)
Avian Influenza or ‘Bird Flu’ due to Influenza A viral strains H1N1, H5N1,H9N2,H7N7 or H7N9
Chikungunya Fever
Mumps
Rubella
Middle East Respiratory Syndrome (MERS)
Zika Virus

What happens if I have more than one PAStar policy with Sompo?

The policy with the highest limit will respond to any claims made.

Is there any Free Look Period?

If I am required to serve Full-Time National Service, is the PAStar coverage still effective?

Can I upgrade my plan midway through my PAStar policy?

Plan upgrade can only be done upon renewal and subject to Sompo’s approval.

Will my No Claim Bonus be affected if another insured person in the policy (e.g. insured spouse) made a claim?

Liberty Insurance

Personal Accident - An affordable and flexible protection plan catered to you

Key Benefits
Coverage
Classification of Occupations
Compensation
Notes / Eligibility

Flood or other convulsions of nature
Murder and assault
Third degree burns
Terrorism except if due to Nuclear, Biological and Chemical means (subject to a sub-limit)
Strike, Riot and Civil commotion so long as the Insured Person is not an active participant

We have got your needs covered

Compare our plans in detail, you’ll definitely find something that suits you

Description of Benefits (Amount of Benefits)	Class I	Class II	Class III
Death (per S$10,000)	S$4.59	S$7.56	S$10.80
Permanent Disablement (per S$10,000) • Scale I OR	S$2.29	S$3.79	S$5.40
Permanent Disablement (per S$10,000) • Scale II	S$4.59	S$7.56	S$10.80
Temporary Total Disablement (per S$100 per week) Temporary Partial Disablement (per S$50 per week)	S$27.00	S$34.56	S$45.90
Medical Expenses (S$1,000) (limit any one accident)	S$14.04	S$19.44	S$27.00
Medical Expenses (S$2,500) (limit any one accident)	S$27.00	S$32.40	S$37.80
Medical Expenses (S$5,000) (limit any one accident)	S$37.80	S$48.60	S$64.80
Medical Expenses (S$7,500) (limit any one accident)	S$54.00	S$70.20	S$86.40
Medical Expenses (S$10,000) (limit any one accident)	S$64.80	S$86.40	S$108.00
Hospital Allowance (S$50 per day) (any one accident & maximum sum insured of S$100)	S$27.00	S$32.40	S$37.80

Premiums above include prevailing GST
The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions

Class 1

You are engaged in indoor & non-manual work in non-hazardous places

Class 2

You are engaged in work of an outdoor or supervisory nature or involve occasional manual work, whose duties do not include use of tools or machinery and are not exposed to any special hazard, e.g. property agent, outdoor sales/marketing

Class 3

You are engaged in manual work not of particularly hazardous nature, with or without the use of tools or machinery. e.g. baker, butchers, drivers, chauffeurs, veterinarian

-Death/Permanent Disablement

As per Table of Benefits in the actual policy wordings

-Temporary Total Disablement

Pays up to the limit selected per week, up to two years in the event of disablement which entirely prevents the Insured Person from attending to any occupation or profession
Limit under Temporary Total Disablement is capped at 0.5% of the limit under Death/Permanent Disablement subject to a maximum of S$750 or 50% of Proposer’s weekly earnings whichever is lower

-Temporary Partial Disablement

Pays up to the limit selected per week up to two years in the event of disablement which prevents the Insured Person from attending to a substantial part of any occupation or profession

-Medical Expenses

Pays up to the limit selected per accident for all medical, surgical and hospital expenses necessarily incurred by the Insured
Limit under Medical Expenses is capped at 5% of the limit under Death/Permanent Disablement subject to a maximum of S10,000 whichever is lower

-Hospital Allowance

Pays up to the limit selected per day up to a maximum of 30 days per accident

There is a loading of 35% for extension of Motor Cycling (100%)
Premium payable may be revised at policy renewal at the full discretion of the Company
When switching Personal Accident policies to a new insurer, it is important to compare the policy coverages, as these may differ from insurer to insurer

-Person Eligibility to Apply

Singapore Citizens or Permanent Residents who are permanently residing in Singapore

-Age Eligibility

Adults from 18 to 65 years of age
Dependent Child from 6 months to 18 years of age, or up to age 25 if he/she is enrolled in an educational institution on full-time higher education

-Referred Risks

Persons working in security organizations, construction and entertainment industries

-Declined Risks

Air and ship crew, professional divers, professional sports persons; occupations involving diving, working on oil rigs, onboard vessels or offshore, fire fighting, police or military personnel and occupations of a hazardous nature, i.e. involving extreme height, depth or heat

-Major Exclusions

The Policy does not provide compensation for death or disablement arising from:

Sickness or diseases
AIDS and diseases associated with HIV
Pre-existing physical defect or infirmity
Suicide or self-inflicted injuries
War and nuclear related events
Pregnancy, childbirth or its complications

-Policy Owner;s Protection Scheme

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 coverage, where applicable, please contact us (servicecenter@libertyinsurance.com.sg) or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Key Benefits
Coverage
Classification of Occupations
Compensation
Notes / Eligibility

Flood or other convulsions of nature
Murder and assault
Third degree burns
Terrorism except if due to Nuclear, Biological and Chemical means (subject to a sub-limit)
Strike, Riot and Civil commotion so long as the Insured Person is not an active participant