Tokio Marine Insurance Singapore Ltd.

• Accidental death
  Pays for death of the insured person resulting from an accident
• Permanent disability
  Pays for permanent disability resulting from an accident in accordance with the Scale of Benefits

A limited war and acts of terrorism cover applies to the basic cover subject to a limit of 10% of the capital sum/sum insured or $100,000 whichever is the lower.

• Temporary total or partial disability
  Pays in the event that accidental injury temporarily prevents the insured person from working
• Medical expenses
  Reimburses medical expenses necessarily incurred by the insured person as a result of accidental injury
• Hospital cash
  Pays in the event that the insured person is hospitalised as a result of an accident

Our Personal Accident Insurance covers the following events:

• Strikes, riots or civil commotion
• Assault, hijack or murder
• Drowning, suffocation by smoke, poisonous fumes or gas
• Exposure to natural elements
• Disappearance following an accident
• Peace-time military training
• Motor cycling

Death or injury as a result of the following will not be covered:

• Pregnancy, childbirth, miscarriage or any complications thereof
• Pre-existing physical defects or infirmity
• Intentional self-inflicted injury, suicide or any attempt thereat (whether sane, insane or under any mental distress)
• Criminal or illegal act committed by you
• Flying or any other aerial activities except as a fare paying passenger in a licensed aircraft
• Mountaineering which requires the use of ropes or guides, racing of any kind other than on foot, ice or winter sports, water ski-jumping, underwater activities that requires the use of underwater breathing apparatus
• Participation in professional sports or training for professional sports of any kind
• Taking part in naval, air force or military operations other than peacetime operations as a national serviceman, military personnel or NSman
• All illness or disease howsoever contracted, even if through injury (this, however, does not apply to disease directly resulting from medical treatment rendered necessary by injury or infections directly resulting from an injury)
• Sexually transmitted disease including Acquired Immune Deficiency Syndrome (AIDS) disease or Human Immunodeficiency Virus (HIV) infection.
• War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power or confiscation or nationalisation or requisition or destruction of property by or under the order of any government or public or local authority
• Use, existence or escape of nuclear weapons material or ionising radiation from or contamination by radioactivity from any nuclear fuel or nuclear waste from the combustion of nuclear fuel

To make a claim under the policy, you:

• have to complete and send to us a claim form within 3 months from the date of the accident
• must, at your own expense, submit all medical certificates, information and evidence required by us in support of your claim
• must undergo examination when and as often as we may reasonably require or subject to an autopsy (in the case of death) as part of the claim evaluation process

Even after you have decided to insure with us, you may cancel your policy at any time within 14 days from your receipt of the policy provided no claim has been made thereunder. When you cancel the policy, we will refund you any premium you have paid for the insurance..

If you and the persons to be insured are a Singapore citizen, Singapore permanent resident or work permit or employment pass holders residing in Singapore and are between the age of 18 and 65 on the next birthday you are eligible to apply for our Personal Accident Insurance. However, if the persons to be insured fall within the list of special risks, we may decline the insurance application or accept the application on certain additional conditions and at non-standard premium rates.

The policy issued is for a period of one year and is subject to annual review. Unless otherwise informed, the policy can be renewed until the insured person reaches the age of 75 years old.

The level of premium you pay depends on the Plan you select and the occupational class that best describes your employment duties, viz.

Class I

Occupation that is indoor and sedentary in nature. E.g. white-collar worker performing office or showroom duties, accountants, lawyers, office executives, secretaries, clerks, etc.

Class II

Occupation that requires occasional manual work (skilled or semi-skilled). E.g. outdoor sales executives, factory supervisors, surveyor, etc.

Class III

Occupation that substantially involves manual work. E.g. carpenters, cooks, chefs, plumbers, mechanics, electricians, machinists, drivers, etc.

Aircrew, shipcrew, stuntman, actor (actress), occupation involving the handling of firearms, explosives or hazardous chemicals, diver, occupation involving underground works, professional sportsman (sportswoman), construction worker, occupation involving works at heights, jockey, stevedores, occupation involving works on board vessels or oil rigs, policeman, military personnel, fireman.

We offer family discounts if you insure with your spouse and/or children. Please contact us or the intermediary who services you for further details

We support the general insurance code of practice developed by the General Insurance Association of Singapore (GIA) to enhance the standards of service in the insurance industry. You can obtain more information on the code of practice and how it benefits you by contacting us at 6221 6111. You can also obtain details about the code of practice from our website at www.tokiomarine.com.sg

IMPORTANT
This brochure is not an insurance policy. The covers and terms described herein are summaries. The detailed terms of the insurance are contained in the policy which will be issued to you upon acceptance of your application. A copy of the specimen policy can, however, be made available to you upon request.