Coverage
We’ve put together benefits that best meet your employees’ needs by selecting your preferred Sum Insured for Accidental Death benefit and enhance the coverage by adding on Permanent Disablement, Weekly Income and Medical Expenses benefits.
- Repatriation Expenses up to $2,000
- Food Poisoning, Insect / Animal Bites, Motorcycling injury
- Accidental Miscarriage, Reservist Training Accidental Injury
- Suffocation by Smoke, Poisonous Fumes, Gas & Drowning
- Treatment expenses from licensed Chinese Physicians and Chiropractors up to S$1,000 for any one accident
- Enrol employees Age 16 to 70 under a payroll of Singapore office and enjoy renewal up to Age 75, provided there is no lapsation in cover after Age 60
Full Coverage Details
| A. Accidental Death (Compulsory Section) |
| B. Permanent Disablementchoice of Scale 1 OR Scale 2 benefits |
Concise Permanent Disablement Table Of Benefits
|
| See Permanent Disablement Table of Benefit complete benefit table
Description of Permanent Disablement (PD) |
% of Capital Sum Insured Payable |
Scale
1 |
Scale
2 |
| Total And Permanent Disablement |
100% |
100% |
| Total And Permanent Loss of All Sight in One or Both Eyes |
Total Loss By Physical Severance or Total Permanent Loss of Use of
- Loss of one arm between or at shoulder to wrist
- Loss of one leg between or at hip to ankle |
Total & Permanent Loss of
- Sight in one eye except perception of light or lens on one eye |
100% |
50% |
| Loss of Fingers or Toes or Phalanges |
From 3% to 50% |
| Total Permanent Loss of Hearing in One or Both Ears |
20% / 75% |
| Total Permanent Loss of Speech |
50% |
| Third Degree Burns |
From 50% to 100% |
|
| C. Weekly Income Benefits (due to Temporary Total Disablement or Partial Disablement, up to 104 weeks) |
| D. Medical Expenses (Limit any 1 accident) |
Premium
Premiums will be calculated based on the sum insured amount of the classification of the occupations.
Classification of Occupation
|
CLASS 1
Persons engaged in indoor & nonmanual
work in non-hazardous
places |
CLASS 2
Persons engaged in work of an
outdoor or supervisory nature or
involve occasional manual work
whose duties do not involve the
use of tools or machinery or
exposure to any special hazard |
CLASS 3
Persons engaged in manual work
not of particularly hazardous
nature but involving the use of
tools or machinery |
| Examples - CLASS 1 |
Examples - CLASS 2 |
Examples - CLASS 3 |
- Barber / Hairdresser
- Beautician
- Tailor
- Nurse
- Dentist / Doctor / Surgeon (Non-veterinary)
- Indoor sales / Marketing (More than 50% in office)
- Software Engineer
- Management (Director, Manager, etc) with overseas travel less than 12 times a year
- MINDEF Administrative Staff (No field training)
- Home-maker
- Retiree (More than 62 years old)
- Full-Time Students (More than 16 years old)
|
- Chauffeur
- Decorator (Managing)
- Engineer (Excluding Software Engineer)
- Foreman (Non-Construction)
- Outdoor Sales / Marketing
- Surveyor
- Insurance Agent / Property Agent
- Assembly Line Production Worker
(Not using tools & machinery)
- Unarmed Security Guard
- Laboratory Assistant (In schools
and colleges)
- Management (Director, Manager,
etc) with overseas travel 12 or
more times a year
- Fitness / Gym Instructor
|
- Baker / Chef
- Carpenter (Not using woodworking machinery)
- Contractor
- Courier
- Driver
- Hawker / Market Stallholder
- Motor Repairer
- Painter (Not involving work
at heights)
- Plumber
- Technician
- Veterinary Surgeon
|
|
REFERRED OCCUPATIONS FOR COVER DURING OFF-DUTY HOURS
(Please refer to our office for approval)
Commercial air crew and pilot, military personnel (excluding MINDEF administrative staff)
DECLINED OCCUPATIONS:
Industrial workers using heavy machinery / woodworking tools and machineries: any occupation involving
aviation activities; police force personnel, fire fighters; construction / unskilled workers; ship crew or workers on board vessels,
stevedores, shipbreakers; occupations involving diving, platforms, oil and gas rig worker; offshore workers; work involving heights
(exceeding 30 feet above ground or floor level) and / or works underground and travel beyond normal speed on land / or handling of
hazardous chemical / electricity; professional sports teams; professional divers and jockeys; welders and the like, Crane operators.
|
Important Notice
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 your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)
Disclaimer
The product information detailed in this section does not outline all aspects of cover nor does this serve as an insurance contract. Please refer to a copy of our policy wording, which is available on request, for details of the coverage conditions and limits; or contact our Sompo authorized agent or your insurance broker for more details.