Personal Accident Optimax
PA Optimax, Low premiums High benefits most Extensive coverage, provides you and your family the protection and security whereby the rest shall envy upon.
 
Special Feature
  1. Free cover for 3 children, ages ranging from 6 months to 25 years old who are not married nor in employment.
  2. Renewable up to Age 75 when plan is taken up before Age 65.
  3. Sum insured payable in event  of Death or Permanent Disablement occurring within 24 months from date of injury.
  4. Spouse discount of 10% on premium (on the plan chosen whichever is lower or equivalent).
  5. Death/Permanent Disablement benefits covered at 50% of capital sum insured for motorcycling whether as rider or pillion rider. (Class 1 occupations only)
 
Occupation Exclusions
Occupations that are hazardous such as aerial photographers, aircrew, animal trainers/jockeys, armed escorts/security, asbestos workers, bar/lounge hostess, divers, entertainers & circus performers, external window cleaners, fishermen, full time military personnel, marine salvors, oil riggers, professional sportsmen, quarrymen, social escorts/prostitutes, stevedores, wharf laborers, stuntmen, shipcrew outside Singapore waters, professions and occupations involving use of machinery/cutting equipment.
 

Important Notes

  • The benefit of the policy will only be payable upon an accident.
  • Premium payable may be revised at policy renewal at the full discretion of the Company.
  • 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.
 
Summary of Benefits
  Benefits
Plan 1 ($)
Plan 2 ($)
  Accidental Death / Permanent Diablement
125,000
250,000
  Accidental Loss of Natural Teeth
2,000
4,000
  Weekly Benefits (up to 116 weeks)
100
200
  Medical Expenses (excess S$50)
(extends to cover Chinese Medical Practitioner S$200)
3,000
5,000
  Hospitalisation Allowance (up to 90 days)
100
200
  Bereavement Grant
3,000
3,000
  Personal Effects and Belongings (Excess S$50)
300
400
 
Benefits for Each Child
(applicable if both insured and spouse are insured)
  Benefits
Plan 1 ($)
Plan 2 ($)
  Accidental Death / Permanent Diablement
125,000
250,000
  Accidental Loss of Natural Teeth
200
400
  Medical Expenses (excess S$50)
300
500
* Should both parents be covered under different plans, the benefits of the lower plan prevails
 
The Information provided is a summary. Please refer to the actual policy wordings for details of coverage.
 
  For Enquiries
 
   
 
 
Lilian Juan DID:    +65 6829 9190
  Email: lilianjuan@shcsb.com.sg