Group PASafe

Key Benefits

1

24/7 Worldwide coverage

2

Choice of coverage and sum insured

3

Comprehensive protection against accidental death, permanent disability, accidental medical expenses, burns and bone fracture

4

Optional cover – Medical Expenses, Temporary Total/Partial Disablement

5

21 Extension cover

Compensation

Death/Permanent Disablement

As per Scale of Benefits in the policy wordings

Temporary Total Disablement

Pays up to the limit selected per week, up to a maximum period of one hundred and four (104) weeks from date of accident, for each accident.
Limit under Temporary Total Disablement is capped at 0.5% of the limit under Accidental Death / Permanent Disablement subject to a maximum of S$750 or 50% of Insured Peron’s weekly earnings, whichever is lower.
Applicable if you are Gainfully Employed

Temporary Partial Disablement

Pays up to the limit selected per week up to a maximum period of one hundred and four (104) weeks from date of accident, for each accident
Applicable if you are Gainfully Employed

Medical Expenses

Limit under Medical Expenses is capped at 5% of the limit under Accidental Death / Permanent Disablement subject to a maximum of S$10,000 whichever is lower
We will pay the Reasonable and Customary Charges incurred, provided such expenses are incurred within twelve (12) calendar months from the date of the Accident

Classification of Occupations

Class	Description
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

Notes

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

Extensions

Accidental Miscarriage
Amateur Sports and Activities
Bites from Insects and/or Animals
Disappearance and Exposure
Drowning or Suffocation
Flood and Other Convulsions of Nature
Food Poisoning
Hijack and/or Kidnap
Motor Cycling
Murder and Assault
National Service Full-Time and Reservist Training
Strike Riot and Civil Commotion
Bereavement Grant
Dependent Child Education Fund
Trauma Counselling
Hospital Recuperation Benefit
Comatose State Benefits
Repatriation of Mortal Remains
Replacement Staff and Recruitment Costs
Unscheduled Flight
Accidental Death Due to Natural Catastrophe

Major Exclusions include but not limited to

AIDS and diseases associated with HIV
Pre-existing conditions
Pregnancy, childbirth or its complications
Suicide or self-inflicted injury
War and nuclear related events
Participating in any professional sports, rock climbing (except on man-made walls) or mountaineering which involves the use of guides or ropes, any underwater activities involving underwater breathing apparatus, any kind of speed contest or racing (other than on foot), motor rallies, hunting, potholing, caving, parachuting, sky diving, hang gliding, paragliding, cliff diving, bungee jumping, base jumping, competitive snow or ice sports
The following activities or sports, except undertaken on a leisure purpose under the supervision of a licensed guide or instructor, will not be covered: hot-air ballooning, ice or winter sports, hiking or trekking undertaken outside Singapore
Any kind of speed contest or racing (other than on foot) and motor rallies

Eligibility

Singapore Citizens or Permanent Residents who are permanently residing in Singapore
Entry age of employees between 18 to 65 years of age (last birthday). Subject to yearly review, renewal can be invited up to age 80 years old
Employees must be employees of the applicant under Singapore employment contract or under payroll of Singapore office

Declined Occupations

Construction or unskilled workers
Industrial workers using heavy machinery, e.g. crane operators, rolling mill operator
Use of woodworking tools or machineries
Ship crew or workers on board vessels
Oil and gas rigs/platforms workers, offshore workers, stevedores, shipbreakers
Offshore activities such as commercial diving, mining or aerial photography
Work involving height exceeding 30 feet above ground or floor level, works underground or underwater or travel beyond normal speed on land
Welders and the like
Handling of hazardous chemical/electrical and/or explosive materials
Pilots, aircrew or any occupation involving aviation activities
Police, naval, military, air force service or operations
Fire fighters
Professional sportspersons, divers or jockeys

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 (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).