Make sure your Personal Accident cover protects you from accidental setbacks, whether it is disability, death or medical expenses for an injury.
Why should I buy Personal Accident Insurance Policy?
It protects you or your family following bodily injury caused to the person insured by violent, accidental, external and visible means during the period of insurance as long as such injury shall, solely and independently of any other cause, result in death or disablement. It also covers you for Medical expenses incurred for the treatment related to accident covered in the policy and few specific diseases.
What is Covered?
You are covered 24 hours worldwide including Terrorism (excluding nuclear, chemical, biological)
- Death
- Total Permanent Disablement
- Temporary Total Disabling (Weekly compensation if unable to engage to your usual occupation)
- Temporary Partial Disablement (Weekly compensation if you unable to engage to a substantial and essential part of occupation)
- Medical Expenses incurred due to covered accident for both General & Traditional Chinese Medical Practitioner
- Medical Expenses incurred due to specific named diseases
- Daily Reimbursement for childcare/pre-school fees whilst hospitalize
- Mobility Aid (rented or purchased) and Ambulance Service fees per accident
- Bereavement expenses
Do I Need to go for any Medical Examination?
Am I Eligible?
Any person more than 21 years of age is eligible to take a personal accident policy. However, Insurable Interest for a dependent person with an age bracket of 6 months to 18 years lies with the parents.
When both parents are insured with us, free coverage is offered for 3 dependent children, aged 6 months to 18 years old, allowable upto 25 years old if dependent child is studying full time in the local schools (Preschool, Nursery, Kindergarten, Primary, Secondary, Pre-U, Polytechnics, Local Universities such as NTU, SMU, SIM and NUS, International Schools)
How much should I cover for?
| Benefits | Plan 1 | Plan 2 | Plan 3 | Plan 4 |
|---|---|---|---|---|
| Accidental Death and Permanent Disablement | S$ 50,000 | S$ 100,000 | S$ 200,000 | S$ 300,000 |
| Accidental Medical Expenses (Any one accident) | S$ 3,000 | S$ 5,000 | S$ 6,000 | S$ 8,000 |
| Chinese Medical Practitioner/Physician Treatment Expenses | S$ 6000 | S$ 1,000 | S$ 1,200 | S$ 1,600 |
| Medical Expenses incurred due to | S$ 1,000 | S$ 2,000 | S$ 3,000 | S$ 5,000 |
| Chikungunya | ||||
| Dengue Haemorrhagic Fever | ||||
| Hand Foot Mouth | ||||
| Pulmonary Tuberculosis | ||||
| Zika | ||||
| Daily Reimbursement for Childcare / Pre-School Fees whilst hospitalise (per day) | S$ 50 | S$ 100 | S$ 150 | S$ 200 |
| Mobility Aid (Rented or purchased) and Ambulance Service Fee per accident | S$ 300 | S$ 500 | S$ 600 | S$ 800 |
| Bereavement Expenses | S$ 3,000 | S$ 3,000 | S$ 3,000 | S$ 3,000 |
It’s a benefit policy which means you have to access value for your life. We offer 4 different plans with benefits ranging from S$ 50,000 to S$ 300,000
Children
For children as described above, could be opted for a sum insured varying from S$ 10,000 to S$ 40,000
Safety in every step with our personal accident insurance.
India International InsuranceWhat is NOT covered?
The main doubt comes to every person is that is everything covered once I buy a policy.
Probably yes, Insurance covers you until and unless you yourself are not negligent and intentionally put your life in danger. This policy covers bodily injury caused to the person insured by violent, accidental, external and visible means during the period of insurance as long as such injury shall, solely and independently of any other cause, result in death or disablement.
Major Exclusions
- Intentional self-injury, suicide or attempted suicide (whether felonious or not), provoked assault, intoxication, intemperance, insanity, the use of drugs or wilful exposure to danger (except in an attempt to save human life)
- Professional sports or those engaging in winter sports, football, rugby, polo, hunting, mountaineering or rock climbing necessitating the use of ropes or guides, pot-holing, diving of any kind (with or without the use of aqua-lungs) speed or time trials, sprints or racing of any kind except on foot, or martial or pugilistic arts of any kind
- Motor-cycling (whether as driver or passenger)
- Flying or other aerial activities except while travelling in an aircraft as a passenger not as a pilot or air crew nor for the purpose of undertaking any trade or technical operation in or on the aircraft
- Any physical defect, infirmity or disease
- In the case of a feminine gender, childbirth or pregnancy notwithstanding that such event may have been induced or accelerated by injury
- War, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection or military or usurped power
- Costs or benefits payable under any legislation or corresponding insurance cover relating to occupational death, injury, illness or disease
- Injury or illness while serving as a full-time member of a police or military or civil defence unit
How much do I have to pay?
How to file an insurance claims?
Please do not worry, follow these simple steps:
- Download the claim form from the next tab
- Kindly duly fill it and mail it to ID: pncclaim@iii.com.sg along with scanned copies of the original documents mentioned in the claim form