WHAT IT COVERS
Worldwide, 24-hour Protection
We provide 24-hourcoverage and at anywhere in the world, rest assured that you and your family’s needs are provided for should the worst happens.
Accidental Death /Permanent Disablement
We pay up to the insured amount in the event of accidental death or permanent disablement.
Temporary Total /Partial Disablement
Pays a weekly income in the event of temporary disablement up to 104 weeks for those who are gainfully employed.
Accidental Medical Expenses
Reimburses the medicalexpenses incurred following an accident up to the specified insured amount.
Personal Accident
BENEFITS
|
BENEFITS |
Percentage of Sum Insured in the Schedule of Benefits | |
| Section 1 | Death | 100% |
|
Section 2 |
Total and Permanent Disablement from engaging in or attending to employment or occupation of |
100% |
| Section 3 | Total and Permanent Loss of all sight in both eyes. | 100% |
|
Section 4 |
Total Loss by physical severance or total and permanent loss of use of:
a) both hands at wrist b) both arms at shoulder c) both arms between shoulder and elbow d) both arms at or below elbow e) both legs at hip f ) both leg between knee and hip g) both leg at or below knee |
100% 100% 100% 100% 100% 100% 100% |
|
Section 5 |
Total and Permanent Loss of:
a) sight in both eyes except perception of light b) lens of both eyes |
100% 50% |
|
Section 6 |
Total Loss by physical severance or total and permanent loss of use of:
a) thumb and 4 fingers of one hand b) 4 fingers of one hand c) thumb – 2 phalanges – 1 phalanx d) index finger – 3 phalanges – 2 phalanges – 1 phalanx e) middle finger – 3 phalanges – 2 phalanges – 1 phalanx f ) ring finger – 3 phalanges – 2 phalanges – 1 phalanx g) little finger – 3 phalanges – 2 phalanges – 1 phalanx h) all toes of one foot i) great toe – 2 phalanges – 1 phalanx j) any other toe |
50% 40% 25% 10% 15% 10% 5% 10% 7% 3% 10% 7% 3% 10% 7% 3% 18% 6% 3% 3% |
|
Section 7 |
Total and Permanent Loss of:
a) hearing in both ear b) hearing in one ear |
75% 20% |
| Section 8 | Total and Permanent Loss of speech. | 50% |
|
Section 9 |
Third Degree Burns
a) Head – Damage as a Percentage of Total Body Surface Area i) equals to or greater than 2% but less than 5% ii) equals to or greater than 5% but less than 8% iii) equals to or greater than 8% b) Body – Damage as a Percentage of Total Body Surface Area i) equals to or greater than 10% but less than 15% ii) equals to or greater than 15%, but less than 20% iii) equals to or greater than 20% |
50% 75% 100%
50% 75% 100% |
|
BENEFITS |
Sum Insured / Limit (SGD) |
ANNUAL PREMIUM (INCLUSIVE OF GST) BY CLASS OF OCCUPATION | |||
| Class I (SGD) | Class II (SGD) | Class III (SGD) | |||
| Section 1 | Death & Permanent Disablement | $10,000 | $6.42 | $9.63 | $16.05 |
|
Section 2 |
Weekly Benefits (Temporary Disablement)
i) Temporary Total Disablement (up to 104 weeks) ii) Temporary Partial Disablement (up to 104 weeks) |
$100 (per week)
50% of Benefit 2(i) (per week) |
$19.26 |
$25.68 |
$32.10 |
| Section 3 | Medical Expenses (limit for any one accident) | $1,000
$2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $15,000 $20,000 |
$9.63
$16.05 $22.47 $28.89 $35.31 $39.59 $46.01 $52.43 $57.78 $64.20 $75.97 $87.74 |
$12.84
$22.47 $31.03 $39.59 $48.15 $54.57 $63.13 $71.69 $79.18 $90.95 $104.86 $118.77 |
$16.05
$25.68 $37.45 $48.15 $58.85 $67.41 $78.11 $88.81 $98.44 $110.21 NA NA |
| Class I | Class II | Class III |
| Persons engaged in indoor and non-manual work in non-hazardous places. | Persons engaged in work of an outdoor or supervisory nature or involves occasional manual work whose duties do not involve the use of tools or machinery or exposed to any special hazards. | Persons engaged in manual work not of particularly hazardous nature but occasional involving the use of tools or machinery. |
| Examples – Class I | Examples – Class II | Examples – Class III |
| • Accountant / Auditor
• Architect (Indoor) • Bank Teller • Barber / Hairdresser / Beautician • Computer Analysts / Consultant / Programmer • Doctor / Dentist / Surgeon (non-veterinary) • Editor / Writer • Indoor Sales / Indoor Marketing • Teacher / Lecturer / Student |
• Agent (Insurance / Property / Travel)
• Chauffeur • Engineer • Foreman (Non-construction) • Grocer • Gym Instructor • Outdoor Sales / Outdoor Marketing • Photographer • Surveyor (onshore) • Security Guard (Unarmed) |
• Baker / Chef / Cook
• Butcher / Fishmonger / Farmer • Builder / Carpenter (no woodworking machinery) • Contractor • Courier • Driver • Hawker / Market Stallholder • Painter (not involving heights) • Plumber • Veterinary Surgeon |
| DECLINE RISKS
Industrial workers using heavy machinery; woodworking related occupation; any occupation involving aviation activities; armed services personnel, police force personnel and fire fighters; construction or unskilled workers; ship crew or workers on board vessels, stevedores, shipbreakers; occupations involving diving, platforms, oil and gas rig and/or offshore work; occupation involving heights, underground, heat and handling of hazardous chemical or electricity; professional sports team; professional divers and jockeys; welders and the like. REFERRED RISKS All other professions and occupations not mentioned above must be referred to us for approval and acceptance. |
||
FAQs
The Personal Accident policy will cover you up to 90 consecutive days overseas, at a time. If you intend to stay any longer, we may agree to extend, subject to underwriting and additional premium.
Can I take up policy myself if I am serving National Service?
No, the policy excludes occupations in the Army, Navy, Air Force, Police Force and Civil Defence Force (other than as a Serviceman under National Service Reservist Training).
If I have a personal accident policy with another insurer, can I take up another with EQ Insurance? Will both policies pay for claims?
Yes, subject to our acceptance. In the event of a claim for medical expenses, we will only reimburse for the amount that have not been reimbursed under any other policy.
Are renewal premiums guaranteed?
No, renewal premiums are not guaranteed.
Can a person claim for medical expenses due to illness?
No, the policy pays only for death and/or total and permanent disablement due to accident.
Do you have any administrative charges if I choose to cancel my policy?
Yes, we charge or refund the premium as follows subject to a minimum premium of S$50 + GST.
| Period of Cover | Short-Period Premium Refundable |
| 3 months and below | 40% of annual Premium |
| 6 months and below | 60% of annual Premium |
| 9 months and below | 80% of annual Premium |
| More than 9 months | 100% of annual Premium |
No refund premium will be granted for any unexpired Period of Insurance if any claim(s) has been made during the current Period of Insurance.
We have the right to cancel this Policy or any section or part of it by giving You 30 days’ written notice and upon cancellation, You will be granted a pro-rated refund of the total premium paid corresponding to the unexpired Period