PASafe

Key Benefits

1

Coverage for Accidental Death and/or Permanent Disablement

2

Daily Hospital Cash

3

Flood or Other Convulsions of Nature Coverage

4

Personal Liability

5

Strike, Riot and Civil commotion

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$3.71	S$6.10	S$8.72
Permanent Disablement (per S$10,000) • Scale I OR	S$1.85	S$3.06	S$4.36
Permanent Disablement (per S$10,000) • Scale II	S$3.71	S$6.10	S$8.72
Temporary Total Disablement (per S$100 per week) Temporary Partial Disablement (per S$50 per week)	S$21.80	S$27.90	S$37.06
Medical Expenses (S$1,000) (limit any one accident)	S$11.34	S$15.70	S$21.80
Medical Expenses (S$2,500) (limit any one accident)	S$21.80	S$26.16	S$30.52
Medical Expenses (S$5,000) (limit any one accident)	S$30.52	S$39.24	S$52.32
Medical Expenses (S$7,500) (limit any one accident)	S$43.60	S$56.68	S$69.76
Medical Expenses (S$10,000) (limit any one accident)	S$52.32	S$69.76	S$87.20
Daily Hospital Cash (S$50 per day) (any one accident & maximum sum insured of S$200)	S$21.80	S$26.16	S$30.52
Personal Liability (S$500,000 any one accident or series of accidents; Up to maximum of S$1,000,000 at S$21.80 per additional S$100,000 sum insured) Insures against third party claims for bodily injury or property damage caused by the Insured	S$21.80	S$26.16	S$30.52

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

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

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

Daily Hospital Cash

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

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

1. Disappearance and Exposure
2. Hijack and/or Kidnap
3. Drowning or Suffocation
4. Murder and Assault
5. Strike, Riot and/or Civil Commotion
6. Flood and Other Convulsions of Nature
7. Amateur Sports and Activities
8. Accidental Miscarriage
9. Bites from Insects and/or Animals
10. Motor Cycling (within Singapore only and Accidental Death and/or Permanent Disablement is capped at 50% of the benefit limit or S$500,000 whichever is lower)

Major Exclusions

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
Adults from 18 to 65 years of age. Policy renewable up to age 80 subject to yearly review
Child/Children 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 Occupations

Persons working in security organizations, construction and entertainment industries

Declined Occupations

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

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).