Key Benefits

Coverage and satisfaction which is not just skin deep

As a beauty and wellness business owner, you have worked hard to provide excellent services that meet your customers' expectations. Let BeautyCare help protect your business against financial losses arising from unforeseen accidents. Insure with BeautyCare so you can concentrate on pampering your customers to make them keep coming back for your services.

1

Combines various classes of insurance under one policy

2

Easy to arrange

3

Competitive premium terms

4

Chain Discount with 3 or more shops

5

Further discounts given for clean claims record

BeautyCare Key Benefits

We got your needs covered

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

Description of Benefits

Plan A Sum Insured

Plan B Sum Insured

Section 1 - All Risks1
Description of Benefits

Plan A Sum Insured

Plan B Sum Insured

All Risks1
Excess: S$200 each and every loss except for fire, lightning and burglary
S$75,000 S$150,000

1All Risks 

  • Premises situated on road level or basement is subject to an excess of S$2,500 each and every loss in respect of flood claims
  • Accidental breakage of plate glass up to S$25,000 any one loss and in the aggregate
Section 2 - Consequential Loss
Description of Benefits

Plan A Sum Insured

Plan B Sum Insured

Consequential Loss
Excess: 3 days by order of a public authority
S$10,000 S$20,000
Section 3 - Rental Expenses
Description of Benefits

Plan A Sum Insured

Plan B Sum Insured

Rental Expenses S$10,000 S$20,000
Section 4 - Money Insurance
Description of Benefits

Plan A Sum Insured

Plan B Sum Insured

In transit S$2,000 S$3,000
In premises during business hours S$2,000 S$3,000
In locked safes after business hours S$2,000 S$3,000
In locked drawers after business hours S$500 S$1,000
Section 5 - Personal Accident
Description of Benefits

Plan A Sum Insured

Plan B Sum Insured

Personal Accident S$50,000 S$50,000
Section 6 - Public Liability and Food & Beverage Extension
Description of Benefits

Plan A Sum Insured

Plan B Sum Insured

Public Liability
(Any one accident/unlimited any one period)
Excess: S$1,000 each and every loss in respect of water damage
S$250,000 S$500,000
Food & Beverage Extension
(Any one loss and in the aggregate)
S$50,000 S$50,000
Section 7 - Goods-in-Transit 
Description of Benefits

Plan A Sum Insured

Plan B Sum Insured

Goods-in-Transit
(Any one loss and in the aggregate)
S$2,000 S$2,000
Annual Premiums (includes prevailing GST)
Description of Benefits

Plan A Sum Insured

Plan B Sum Insured

Annual Premium S$230.05 S$337.05

    Top Up Plan from Plan B Top Up Rates Max Sum Insured Limit
    Section 1 - All Risks1
    Top Up Plan from Plan B

    Top Up Rates

    Max Sum Insured Limit

    All Risks1
    Excess: S$200 each and every loss except for fire, lightning and burglary
    S$40.13 for every S$25,000 S$1,000,000

    1All Risks 

    • Premises situated on road level or basement is subject to an excess of S$2,500 each and every loss in respect of flood claims
    • Accidental breakage of plate glass up to S$25,000 any one loss and in the aggregate
    Section 2 - Consequential Loss
    Top Up Plan from Plan B

    Top Up Rates

    Max Sum Insured Limit

    Consequential Loss
    Excess: 3 days by order of a public authority
    N.A. N.A.
    Section 3 - Rental Expenses
    Top Up Plan from Plan B

    Top Up Rates

    Max Sum Insured Limit

    Rental Expenses N.A. N.A.
    Section 4 - Money Insurance
    Top Up Plan from Plan B

    Top Up Rates

    Max Sum Insured Limit

    In transit S$5.35 for every S$500 S$10,000
    In premises during business hours S$5.35 for every S$500 S$10,000
    In locked safes after business hours S$5.35 for every S$500 S$10,000
    In locked drawers after business hours S$5.35 for every S$500 S$3,000
    Section 5 - Personal Accident
    Top Up Plan from Plan B

    Top Up Rates

    Max Sum Insured Limit

    Personal Accident N.A. N.A.
    Section 6 - Public Liability and Food & Beverage Extension
    Top Up Plan from Plan B

    Top Up Rates

    Max Sum Insured Limit

    Public Liability
    (Any one accident/unlimited any one period)
    Excess: S$1,000 each and every loss in respect of water damage
    S$32.10 for every S$250,000 S$3,000,000
    Food & Beverage Extension
    (Any one loss and in the aggregate)
    S$26.75 for every S$50,000 S$100,000
    Section 7 - Goods-in-Transit
    Top Up Plan from Plan B

    Top Up Rates

    Max Sum Insured Limit

    Goods-in-Transit (Any one loss and in the aggregate) N.A. N.A.

    Optional Coverage Sum Insured/Headcount Top Up Rates
    Work Injury Compensation2
    Optional Coverage Sum Insured/Headcount Top Up Rates
    Non-manual employees
    Admin/accounts/management/cashiers/marketing/sales
    Earning ≤ S$30,000
    Earning > S$30,000
    S$32.10 per employee
    S$58.85 per employee
    Manual employees
    Beauticians/masseurs or masseuses/cleaners
    Earning ≤ S$30,000
    Earning > S$30,000
    S$64.20 per employee
    S$107.00 per employee
    Driver/Dispatch/Delivery Earning ≤ S$30,000 S$214.00 per employee

    2Work Injury Compensation 

    • Please declare occupation, headcount and Actual^ annual wages per Category. Actual^ Annual Wages consists of salary (including overtime pay), bonuses and allowances excluding transport allowance
    • The company shall not be liable for any claim arising from 2-wheelers/motorcycling (as rider or passenger) unless specifically agreed upon

    ^Actual annual wages per category at the inception of policy year 

    Fidelity Guarantee3
    Optional Coverage Sum Insured/Headcount Top Up Rates
    Any one employee and in the aggregate

    This section will need to be taken together with the Work Injury Compensation section
    S$2,000 S$10.70 per employee

    3Fidelity Guarantee

    • Please declare occupation and headcount 
    Deterioration of Stocks
    Optional Coverage Sum Insured/Headcount Top Up Rates
    Any one loss and in the aggregate S$1,000 S$32.10 + S$10.70 per additional S$500 insured limit up to a maximum of S$5,000

     

    Notes

    1. This package is suitable for businesses engaged in beauty/hair care, hair loss treatment, health centres, spas, massage, reflexology, aromatherapy, slimming centres, pedicures and manicures

    2. Covered Services

    3. The sum insured on Section 1–All Risks must represent the:

    4. The sum insured under Section 1 - All Risks and Section 4 - Money Insurance are automatically increased by 25% for the two weeks prior to Chinese New Year, Hari Raya Puasa, Deepavali and Christmas Day

    5. If you have a chain of 3 or more shops insured with us, you will enjoy the following Chain Store Discount from gross premium

    6. You will enjoy the following No Claim Discount (after any Chain Store Discount) if you continue to insure with us:

    7. The covers and premiums indicated are not available for the following: