·        Flexible plan where you can design the benefits to suit your needs

·        24-hour worldwide cover

·        Accidental drowning or gassing

·        Hijacking

·        Accidental exposure to the elements as a result of a mishap

·        Flood or other convulsions of nature

·        Murder and assault

·        Singapore Armed Forces Reservist Training

·        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

·        Motorcycling up to 50% of the benefits and for Class I