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Benefits At A Glance

BENEFITS	CHOICE OF PLAN
	Classic	Premier
	Sum Insured
1. Accidental death ^Enhanced! This benefit does not apply where Benefit (2) is payable	S$65,000	S$100,000
2. Accidental death whilst Overseas or travelling in a Public Conveyance ^Enhanced! Compensation for Benefit (1) will be doubled in event of accidental death whilst overseas or travelling in a public conveyance. This benefit does not apply where Benefit (1) is payable.	S$130,000	S$200,000
3. Total & Permanent Disablement ^Enhanced! Lump sum payment subject to the compensation scale for Total and Permanent Disablement	Up to S$65,000	Up to S$100,000
4. Weekly Benefit Temporary total or partial disablement from engaging or attending to the usual employment or occupation certified by a Physician	S$150 per week; Up to 52 weeks per Injury	S$200 per week; Up to 52 weeks per Injury
5. Recuperation Benefit Lump sum compensation if hospitalised for more than 7 consecutive days	S$500 per Injury	S$750 per Injury
6. Loan Protector ^Enhanced! Pays for your outstanding loan due and owing to any financial institution in event of accidental death	Up to S$5,000	Up to S$10,000
7. Income Protector Pays for your loss of monthly salary / income if permanent employment is terminated by an Insured Person’s employer or business is terminated and 100% of Total and Permanent Disablement Benefit is payable	Up to 6 months basic salary / income; Subject to maximum of S$20,000	Up to 6 months basic salary / income; Subject to maximum of S$30,000
8. Outpatient Treatment (including TCM treatment) ^Enhanced! Reimbursement of medical expenses and treatment charges by a Physician or TCM practitioner in Singapore	Up to S$30 per consultation; Subject to maximum of S$100 per Injury	Up to S$30 per consultation; Subject to maximum of S$200 per Injury
9. Lifestyle Aids Reimbursement for the purchase or rental cost of mobility aids such as crutches, wheel chairs and bed pans necessarily and reasonably incurred and prescribed by a Physician	Up to S$500 per Injury
10. Transport Allowance Reimbursement for ambulance service or public transport fees reasonably incurred for follow-up medical treatment in Singapore	Up to S$50 per month, subject to maximum of S$500 per Injury
11. Special Daily Hospitalisation Benefit ^Enhanced! Daily hospitalisation benefit as a result of the following illness certified by a Physician: Influenza A (H1N1) Food Poisoning Dengue Fever Avian Influenza (Bird Flu)	S$150 per day, subject to maximum 90 days per occurrence
12. Personal Effects^# Pays for loss of or damage to Personal Effects anywhere in Singapore caused by fire, burglary, robbery or road accident whilst the Insured Person is travelling on or injured by any road vehicle Subject to per article limit $250 except laptop computers	Up to S$2,000	Up to S$3,000
13. Free Coverage for Children* ^New!	Yes, if both parents enrol for the same plan under one policy

COVERAGE FOR CHILDREN*	CHOICE OF PLAN
	Classic	Premier
	Sum Insured
1. Accidental death This benefit does not apply where Benefit (2) is payable	S$15,000	S$20,000
2. Total & Permanent Disablement Lump sum payment subject to the compensation scale for Total and Permanent Disablement	Up to S$15,000	Up to S$20,000
3. Outpatient Treatment (including TCM treatment) Reimbursement of medical expenses and treatment charges by a Physician or TCM practitioner in Singapore	Up to S$30 per consultation; Subject to maximum of S$100 per Injury	Up to S$30 per consultation; Subject to maximum of S$200 per Injury

Notes:
The benefits listed (1) to (5) and (11) are payable over and above any other insurance coverage that you may already have. Benefits (6) to (10) and (12) are payable only if you do not recover the expense from any other source.

* The free Child Plan - Junior Care is applicable when both Insured & Spouse enroll in the same policy. Child is defined as your biological or adopted child, who is unmarried, unemployed and aged above 1 month old and below 16 years old.

^# "Personal Effects" means clothing, musical and photographic equipment, laptop computer, jewellery, watches and other personal property that the Insured Person normally wears or carries with him/her for social and domestic purposes all owned by the Insured Person. It does not include property held for business or professional purposes, household goods, furniture, furnishings, glassware, domestic appliances, food, animals, Money, credit card, debit card, cash card, and any property that is unlawful.