Key Benefits


Flood or other convulsions of nature


Murder and assault


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


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Description of Benefits (Amount of Benefits) Class I Class II Class III
Death (per S$10,000) S$4.63 S$7.63 S$10.90
Permanent Disablement (per S$10,000)
• Scale I OR
S$2.31 S$3.82 S$5.45
Permanent Disablement (per S$10,000)
• Scale II 
S$4.64 S$7.63 S$10.90
Temporary Total Disablement (per S$100 per week)
Temporary Partial Disablement (per S$50 per week)
S$27.25 S$34.88 S$46.33
Medical Expenses (S$1,000)
(limit any one accident)
S$14.17 S$19.62 S$27.25
Medical Expenses (S$2,500)
(limit any one accident)
S$27.25 S$32.70 S$38.15
Medical Expenses (S$5,000)
(limit any one accident)
S$38.15 S$49.05 S$65.40
Medical Expenses (S$7,500)
(limit any one accident)
S$54.50 S$70.85 S$87.20
Medical Expenses (S$10,000)
(limit any one accident)
S$65.40 S$87.20 S$109.00
Hospital Allowance (S$50 per day)
(any one accident & maximum sum insured of S$100)
S$27.25 S$32.70 S$38.15
  • 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


Death/Permanent Disablement

As per Table of Benefits in the actual policy wordings

Temporary Total Disablement
  • Pays up to the limit selected per week, up to two years in the event of disablement which entirely prevents the Insured Person from attending to any occupation or profession
  • Limit under Temporary Total Disablement is capped at 0.5% of the limit under Death/Permanent Disablement subject to a maximum of S$750 or 50% of Proposer’s weekly earnings whichever is lower
Temporary Partial Disablement

Pays up to the limit selected per week up to two years in the event of disablement which prevents the Insured Person from attending to a substantial part of any occupation or profession

Medical Expenses
  • Pays up to the limit selected per accident for all medical, surgical and hospital expenses necessarily incurred by the Insured
  • Limit under Medical Expenses is capped at 5% of the limit under Death/Permanent Disablement subject to a maximum of S10,000 whichever is lower
Hospital Allowance

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


  • There is a loading of 35% for extension of Motor Cycling (100%)
  • 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
Persons Eligible to Apply

Singapore Citizens or Permanent Residents who are permanently residing in Singapore

Age Eligibility
  • Adults from 18 to 65 years of age
  • Dependent Child 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 Risks

Persons working in security organizations, construction and entertainment industries

Declined Risks

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

Major Exclusions

The Policy does not provide compensation for death or disablement arising from:

  • Sickness or diseases
  • AIDS and diseases associated with HIV
  • Pre-existing physical defect or infirmity
  • Suicide or self-inflicted injuries
  • War and nuclear related events
  • Pregnancy, childbirth or its complications
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 ( or visit the GIA/LIA or SDIC websites ( or or