Safeguard your loved one’s future

All ages mentioned refer to age next birthday.

1.  Premium of S$0.37 is based on coverage for a non-smoking female, between 1 and 35 years old (both ages inclusive), with annual premium of S$136 divided over 365 days, rounded down to the nearest cent.
   
   
2.  As this is a yearly renewable plan, the renewal premium will be based on the life assured’s age at the policy renewal date and the premium increases with age. The premium rates are non-guaranteed.
   
   
3. Terms and conditions apply. For details, please refer to the riders’ respective Product Summaries.
   
   
4. Accidental Death and Dismemberment Benefit (ADDB) pays out a lump sum of S$100,000 (100% of rider’s sum assured) for permanent and total loss of sight in one eye. The Personal Accident Cover will not be renewed at the end of the policy year if the total claim amount for ADDB for the policy year is equal to or more than 100% of the rider’s sum assured.
   
   
5. If we pay a claim on Accidental Death and Dismemberment Benefit (ADDB), we will pay an additional 100% of the payable amount for the ADDB claim if the conditions of the Double ADDB Requirements below are met.
   
   The life assured was:
   • in public transport,
   • a pedestrian (including as a passenger in a public lift or elevator other than lifts or elevators in mines and construction sites),
   • in a fire at:
   - home
   - a theatre
   - a hotel
   - a public auditorium
   - a school
   - a hospital
   - a shopping mall,
   from the time the fire started, except workplaces (including offices and factories) which we do not cover, or
   • travelling as a fare-paying passenger on a commercial plane or on a cruise ship (with at least one night’s stay on board the cruise ship) by a licensed operator, when the accident happened.
   
   In addition to the above covered conditions, for life assured age 16 and below, we will also pay Double ADDB if the accident happened when the life assured was:
   • within school premises on a school day or during school activities organised and supervised by the authorities of the school,
   • outside school premises while taking part in school activities organised and supervised by authorities of the school, or
   • travelling as a passenger on a school bus, private bus or excursion bus to and from school or the place where school activities take place, where the accident happened.
   Please refer to the Product Summary for the full terms and conditions.
   
   
6. The Accidental Medical Reimbursement Benefit is based on the actual claim amount incurred, up to S$5,000 (5% of rider’s sum assured) per policy year. This illustration assumes that Andy incurred S$5,000 of medical expenses due to the accident.
   
   
7.  Simple Fracture Benefit pays out a lump sum of S$1,250 (1.25% of rider’s sum assured) for simple fracture in Andy’s left arm.
   
   
8. The Critical Illness Cover will terminate after the critical illness benefit payout.