FAQs
Can I claim for medical expenses and TCM expenses incurred due to an injury sustained whilst exercising, doing household chores or carrying heavy loads?
You may claim for medical expenses or TCM treatment, provided the injury arises from an accident while you are exercising, doing household chores, or carrying heavy loads, and the claim meets all applicable policy terms and conditions. For example, a fall while jogging may be considered an accident. Muscle overuse, strains, and other injuries sustained during exercise, household chores, or carrying heavy loads that are not caused by an accident are not covered.
If my injury is not visible, can I still claim for the medical expenses incurred for treatment of such injuries?
If all the conditions for the Medical Expenses benefit to be payable have been met, except for the definition of Injury solely because the harm or damage is not visible, we will pay 60% of the eligible claim amount in respect of such non-visible harm or damage.
The eligible claim amount mentioned above refers to the amount payable under the Medical Expenses benefit after applying all applicable requirements (including any time limits) and any applicable sub-limits, but before applying the section limit stated in the Policy Schedule.
Please note that the total amount payable under the Medical Expenses benefit shall not exceed the limit stated in the Policy Schedule for any one accident.
What are the 24 Specified Infectious Diseases covered under PAStar?
- Severe Acute Respiratory Syndrome (SARS)
- Dengue Fever / Dengue Haemorrhagic Fever
- Variant Creutzfeldt-Jakob Disease (vCJD) or ‘Mad Cow Disease’
- Nipah Viral Encephalitis
- Japanese Viral Encephalitis
- Malaria
- Pulmonary Tuberculosis
- Measles
- Rabies
- Melioidosis
- Hand, Foot and Mouth Disease (HFMD)
- Avian Influenza or ‘Bird Flu’ due to Influenza A viral strains H1N1, H5N1, H9N2, H7N7 or H7N9
- Chikungunya Fever
- Mumps
- Rubella
- Middle East Respiratory Syndrome (MERS)
- Zika Virus
- Anthrax
- Ebola
- Legionnaires’ disease
- Plague
- Yellow fever
- Cholera
- COVID-19
Can I submit a claim under Daily Hospitalisation Allowance if I am hospitalised for 2 consecutive days due to Dengue Fever?
Yes, if you are diagnosed with Dengue Fever or any of the other Infectious Diseases covered under the policy, and need to stay as an inpatient in a Hospital for more than 24 hours, you can submit a claim for our review.
Is there a waiting period before I can make a claim due to Infectious Diseases?
Yes. There is a fourteen (14) days waiting period applicable from the first inception date of cover for the insured person.
If I am required to serve Full-Time National Service, is the PAStar coverage still effective?
All claims arising directly or indirectly or in connection with Full-time National Service are not admissible. If you or the insured child are serving Full-Time National Service, the policy will extend to cover you or the insured child when you or the insured child are officially off-duty.
Do I need to go for any medical examination?
No, your application will be assessed based on the health declaration made by you.
Can I upgrade my plan midway through my PAStar policy?
Plan upgrade can only be done upon renewal and subject to Sompo's approval. Please contact Sompo's Customer Service Hotline at 6461 6555 or email [email protected] .
What happens if I have more than one PAStar policy with Sompo?
The policy with the highest limit will respond to any claims made.
Will my No Claim Bonus be affected if another insured person in the policy (e.g. insured spouse) made a claim?
Yes, the sum insured increment will be suspended for all insured persons in the policy for the next renewal if a claim is made during the policy year. However, the current accumulated sum insured will not be forfeited.
Is there any Free Look Period?
Yes, you can enjoy 14 days Free Look from the day you receive your insurance policy. If the policy is not suitable for you, you can arrange to cancel your policy within this period and receive a full refund on the payment made provided no claim has been made under the policy. (Not applicable to renewals)
What are the policy main exclusions?
Some of the policy main exclusions include medical conditions (except as provided for under the policy), pre-existing conditions, war, wilful and/or intentional act, non-prescribed use of drugs, intoxication, insanity, venereal disease, AIDS, childbirth, and specific occupations as stated in the policy wording. Cover for infectious diseases will cease if the infectious disease is declared as a pandemic or epidemic by the health authority in Singapore or the Government of the Republic of Singapore or by the World Health Organisation (WHO). Please refer to the Policy Wordings for the full set of terms and conditions.