Personal Accident Insurance
 
 
We provide comprehensive benefits at low premium cost for death, disablement or medical expenses resulting from accidental bodily injury. The coverage is worldwide, 24-hour and extended for the following:
 
 
1.
   Strike Riot and Civil Commotion
2.
   National Service Reservist Training
3.
   Murder and Assault
4.
   Suffocation by Smoke, Poisonous Fumes, Gas, Drowning
5.
   Hijacking
6.
   Exposure and Disappearance
7.
   Flood and other Convulsions of Nature
8.
   Treatment by Non-Western Doctors
9.
   Motorcycling up to 50% of the benefits and for Class I occupations only
10.
   Terrorism except if due to nuclear, chemical and biological means (subject to a sub limit)
 
     
  Classifications of Occupations  
 
Class I
Professional and occupations involving managerial, administrative or clerical work or indoor work mainly of a sedentary (requiring much sitting) nature such as accountants, administrators, architects, auditors, bankers, clergymen, clerks, dentists, indoor sales personnel, lawyers, merchants, medical practitioners, secretaries, stockbrokers, surgeons, (not veterinary) and teachers.
Class II
Professions and occupations involving outdoor or site work or occasional m anual work only when supervising workmen, such as builders (superintending), civil engineers, commercial travelers, decorators (superintending), (superintending), drivers, foremen, grocers, hairdressers, pharmacists, plumbers (superintending), outdoor outdoor salesman and surveyors.
Class III
Professions and occupations involving manual work without machinery such as drivers, bakers, builders (not using woodworking machinery), butchers, carpenters (not using woodworking machinery), electrical engineers, farmers, fishmongers, motor or mechanical engineers, painters, plumbers and veterinary surgeons.
 
     
 
  Benefits
 
Cost
For Each
amount of
Class of Occupation
I (S$)
II (S$)
III (S$)
  Death
  per S$10,000
  4.25
  6.50
  11.0
  Permanent Disablement (Scale I)
  per S$10,000
  2.125
  3.25
  5.50
  Permanent Disablement (Scale II)
  per S$10,000
  4.25
  6.50
  11.0
  Temporary Total Disablement (per week)
  per S$100
  25.00
  32.00
  42.00
  Temporary Partial Disablement (per week)
  per S$50
  25.00
  32.00
  42.00
  Medical Expenses (limit any one accident)
  S$1,000
  S$2,500
  S$5,000
  S$7,500
  S$10,000
  13.00
  25.00
  35.00
  47.00
  60.00
  16.00
  30.00
  45.00
  62.00
  80.00
  25.00
  34.00
  60.00
  80.00
  100.00
  Hospital Allowance (any one accident &
maximum sum insured of S$100)
  S$50 per day
  25.00
  30.00
  35.00
 
     
  *There is a 30% loading for Motor Cycling extension of 100%  
  Compensation  
 
Death / Permanent Disablement
-
 as per Table of Benefits
Temporary Total Disablement
-
pays the Insured Person from attending to any business, occupation or profession in the event of disablement up to the limit selected per week.
Temporary Partial Disablement
-
pays the Insured Person from attending to a substantial part of any business, occupation or profession in the event of diablement up to the limit selected per week.
Medical Expenses
-
pays up to the limit per accident for all necessary and reasonable medical, hospital and surgical expenses.
Hospital Allowance
-
pays up to the maximum of 30 days per accident for the limited selected per day
 
     
 
  Pays the Amount Selected Percentage of Payment
  Description
 
Scale I
 
Scale II
  1. DEATH
100%
100%
  2. PERMANENT DISABLEMENT
resulting in :
Loss of two limbs
100%
100%
  Loss of both hands or of all fingers and both thumbs
100%
100%
  Total loss of sight and of one eye or both eyes
100%
100%
  Total paralysis
100%
100%
  Complete and incurable insanity
100%
100%
  Injuries resulting in being permanently bedridden
100%
100%
  Any other injury causing permanent total disablement
100%
100%
  Loss of one arm between or at shoulder to wrist
100%
100%
  Loss of one leg between or at hip to ankle
100%
100%
  Loss of four fingers and thumb of one hand
  Loss of four fingers
 
Loss of thumb - both phalanges
- one phalanx
 
Loss of index finger - three phalanges
- two phalanges
- one phalanx
 
Loss of middle finger - three phalanges
- two phalanges
- one phalanx
 
Loss of ring finger - three phalanges
- two phalanges
- one phalanx
 
Loss of little finger - three phalanges
- two phalanges
- one phalanx
 
Loss of metacarpals - first or second
(additional)
- third, fourth or fifth
(additional)
 
Loss of toes - all
- great, both phalanges
- great, one phalanx
- other than great,
if more than one toe lost, each
 
Loss of hearing - both ears
- one ear
  Loss of speech
  3. THIRD DEGREE BURNS
    Area        Damage as a Percentage of
                     total Body Surface Area
 
Head Equals to or greater than
2% but less than 5%
 
  Equals to or greater than
5% but less than 8%
 
  Equals to or greater than 8%
 
Body Equals to or greater than
10% but less than 15%
 
  Equals to or greater than
15% but less than 20%
 
  Equals to or greater than 20%
50%
40%
25%
10%
10%
8%
4%
6%
4%
2%
5%
4%
2%
4%
3%
2%
3%

2%
15%
5%
2%
1%
75%
15%

50%
50%
75%
100%
50%
75%
100%
 
Permanent loss of use of member shall be treated as a loss of member.
 
Where the injury is not specified the Company reserves the right to adopt a percentage of disablement under Scale II of the Table of Benefits which in its opinion is not consistent with the provisions of Scale II.
 
The aggregate of all percentages payable in respect of any one accident to any one Insured Person shall not exceed 100%.
 
Important Notes
 
1. The benefits of the policy will only be payable upon an accident.
2. Premium payable may be revised at policy renewal at the ful discretion of the Company.
3. When switching Personal Accident policies to a new insurer, it is important to compare the policy coverage,      as these  may differ from insurer to insurer.
4. The information provided here is a summary. Please refer to the actual policy wordings for details of      coverage.
 
Excluded Occupations
 
Occupations that are hazardous such as war correspondents, jockeys, armed escorts/security, asbestos, personnel engaging in offshore activities like oil-rigging/mining activities/aerial photography/handling of explosives, working at docks, divers, fishermen, external window cleaners, shipcrew/aircrew, full time airforce/navy/military personnel, professional sportsmen, quarrymen, stuntmen, professions and occupations involving use of machinery, cutting equipment.
 
 
 
  For Enquiries
 
 
Lilian Juan
DID: +65 6829 9190
 
Email: lilianjuan@shcsb.com.sg