It protects you or your family following bodily injury caused to the person insured by violent, accidental, external and visible means during the period of insurance as long as such injury shall, solely and independently of any other cause, result in death or disablement. It also covers you for Medical expenses incurred for the treatment related to accident covered in the policy and few specific diseases.

You are covered 24 hours worldwide including Terrorism (excluding nuclear, chemical, biological)

Death

Total Permanent Disablement

Temporary Total Disabling (Weekly compensation if unable to engage to your usual occupation)

Temporary Partial Disablement (Weekly compensation if you unable to engage to a substantial and essential part of occupation)

Medical Expenses incurred due to covered accident for both General & Traditional Chinese Medical Practitioner

Medical Expenses incurred due to specific named diseases

Daily Reimbursement for childcare/pre-school fees whilst hospitalize

Mobility Aid (rented or purchased) and Ambulance Service fees per accident

Bereavement expenses

No, your proposal will be accepted based on your health declarations on your application form.

Any person more than 21 years of age is eligible to take a personal accident policy. However, Insurable Interest for a dependent person with an age bracket of 6 months to 18 years lies with the parents.

When both parents are insured with us, free coverage is offered for 3 dependent children, aged 6 months to 18 years old, allowable upto 25 years old if dependent child is studying full time in the local schools (Preschool, Nursery, Kindergarten, Primary, Secondary, Pre-U, Polytechnics, Local Universities such as NTU, SMU, SIM and NUS, International Schools)

It’s a benefit policy which means you have to access value for your life. We offer 4 different plans with benefits ranging from S$ 50,000 to S$ 300,000

Children

For children as described above, could be opted for a sum insured varying from S$ 10,000 to S$ 40,000

Benefits Plan 1 Plan 2 Plan 3 Plan 4
Accidental Death and Permanent Disablement SGD 50,000 SGD 100,000 SGD 200,000 SGD 300,000
Accidental Medical Expenses (Any one accident) SGD 3,000 SGD 5,000 SGD 6,000 SGD 8,000
Chinese Medical Practitioner/Physician Treatment Expenses SGD 600 SGD 1,000 SGD 1,200 SGD 1,600
Medical Expenses incurred due to SGD 1,000 SGD 2,000 SGD 3,000 SGD 5,000
Chikungunya
Dengue Haemorrhagic Fever
Hand Foot Mouth
Pulmonary Tuberculosis
Zika
Daily Reimbursement for Childcare / Pre-School Fees whilst hospitalise (per day) SGD 50 SGD 100 SGD 150 SGD 200
Mobility Aid (Rented or purchased) and Ambulance Service Fee per accident SGD 300 SGD 500 SGD 600 SGD 800
Bereavement Expenses SGD 3,000 SGD 3,000 SGD 3,000 SGD 3,000

The main doubt comes to every person is that is everything covered once I buy a policy.

Probably yes, Insurance covers you until and unless you yourself are not negligent and intentionally put your life in danger. This policy covers bodily injury caused to the person insured by violent, accidental, external and visible means during the period of insurance as long as such injury shall, solely and independently of any other cause, result in death or disablement.

Major Exclusions

Intentional self-injury, suicide or attempted suicide (whether felonious or not), provoked assault, intoxication, intemperance, insanity, the use of drugs or wilful exposure to danger (except in an attempt to save human life).

Professional sports or those engaging in winter sports, football, rugby, polo, hunting, mountaineering or rock climbing necessitating the use of ropes or guides, pot-holing, diving of any kind (with or without the use of aqua-lungs) speed or time trials, sprints or racing of any kind except on foot, or martial or pugilistic arts of any kind.

Motor-cycling (whether as driver or passenger).

Flying or other aerial activities except while travelling in an aircraft as a passenger not as a pilot or air crew nor for the purpose of undertaking any trade or technical operation in or on the aircraft.

Any physical defect, infirmity or disease.

In the case of a feminine gender, childbirth or pregnancy notwithstanding that such event may have been induced or accelerated by injury.

War, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection or military or usurped power.

Costs or benefits payable under any legislation or corresponding insurance cover relating to occupational death, injury, illness or disease.

Injury or illness while serving as a full-time member of a police or military or civil defence unit.

We charge a nominal premium, but as it depends on your age, sum insured opted, number of covers, whether involved in adventurous sports, etc. It will take only 30 seconds for you to calculate your own premium, please click below we are almost there

Please do not worry, follow these simple steps:

Download the claim form from the next tab

Kindly duly fill it and mail it to ID: pncclaim@iii.com.sg along with scan of the original documents mentioned in the claim form.

We are happy to resolve your queries. Kindly write to us

pncuw@iii.com.sg, OR

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Disclaimer: For detailed information, please refer to our policy wordings