Key Benefits

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

ClincCare Key Benefits

We have 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$50,000 S$100,000
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$3,000 S$5,000
In premises during business hours S$3,000 S$5,000
In locked safes after business hours S$3,000 S$5,000
In locked drawers after business hours S$1,000 S$1,000
Section 5 - Personal Accident
Description of Benefits

Plan A Sum Insured

Plan B Sum Insured

Personal Accident
Temporary Total Disablement - S$1,000 per week. Max 4 weeks
S$50,000
N.A.
S$50,000
S$4,000
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)
S$500,000 S$1,000,000
Food & Beverage Extension
(Any one loss and in the aggregate)
S$50,000 S$50,000
Annual Premiums (includes prevailing GST)
Description of Benefits

Plan A Sum Insured

Plan B Sum Insured

Annual Premium S$203.30 S$310.30

    Top-up Plan from Plan B Top-up Rates Maximum Sum Insured Limit
    Section 1 - All Risks1
    Top-up Plan from Plan B

    Top-up Rates

    Maximum Sum Insured Limit

    All Risks1
    Excess: S$200 each and every loss except for fire, lightning and burglary
    S$80.25 for every S$50,000 S$1,000,000
    Section 2 - Consequential Loss
    Top-up Plan from Plan B

    Top-up Rates

    Maximum Sum Insured Limit

    Consequential Loss
    Excess: 3 days by order of a public authority
    S$16.05 for every S$10,000 S$50,000
    Section 3 - Rental Expenses
    Top-up Plan from Plan B

    Top-up Rates

    Maximum Sum Insured Limit

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

    Top-up Rates

    Maximum 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

    Maximum Sum Insured Limit

    Personal Accident
    Temporary Total Disablement - S$1,000 per week. Max 4 weeks
    N.A.
    N.A.
    N.A.
    N.A.
    Section 6 - Public Liability and Food & Beverage Extension
    Top-up Plan from Plan B

    Top-up Rates

    Maximum Sum Insured Limit

    Public Liability
    (Any one accident/unlimited any one period)
    S$32.10 for every S$250,000 S$5,000,000
    Food & Beverage Extension
    (Any one loss and in the aggregate)
    S$26.75 for every S$50,000 S$100,000

    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 

    Optional Coverage

    Optional Coverage Sum Insured/Headcount Top-up Rates
    Work Injury Compensation2
    Optional Coverage Sum Insured/Headcount Top-up Rates
    Non-manual employee
    Admin/accounts/management/cashiers/marketing/sales
    Earning ≤ S$30,000
    Earning > S$30,000 up to S$75,000
    S$32.10 per employee
    S$58.85 per employee
    Manual employees
    Medical technicians/assistants/nurses/dental technicians/assistants
    Earning ≤ S$30,000
    Earning > S$30,000 up to S$75,000
    S$64.20 per employee
    S$107.00 per employee
    Driver/Dispatch/Delivery Earning ≤ S$50,000 S$214.00 per employee
    Fidelity Guarantee3
    Optional Coverage Sum Insured/Headcount Top-up Rates
    Any one employee and in the aggregate S$2,000 S$10.70 per employee
    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

    Work Injury Compensation 

    • Please refer to separate underwriting for annual earnings above the stated amount
    • Please declare occupation, headcount and Actual^ annual wages per Category. Actual4 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

    Fidelity Guarantee

    • This section will need to be taken together with the Work Injury Compensation section
    • Please declare occupation and headcount

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

    Notes

    1. This package is suitable for all types of Medical clinics and Dental clinics including licenses TCM offering Traditional Chinese Medicine and acupuncture

    2. The sum insured on Section 1–All Risks shall represent the:

    3. Section 1–All Risks and Section 6–Public Liability are extended to cover Outdoor Display Areas authorised for such use by the landlord and the relevant authorities

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

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

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

    7. Policy Owners' Protection Scheme