TM365

Product Literature

TM365 Brochure

PDF, 190.74 KB

Options

Choose among our four offerings:

Plan A

Sum Insured for accidental death or permanent disablement: $50,000
Medical expenses for accidents: $2,000

Plan B

Sum Insured for accidental death or permanent disablement: $100,000
Medical expenses for accidents: $4,000

Plan C

Sum Insured for accidental death or permanent disablement: $200,000
Medical expenses for accidents: $6,000

Plan D

Sum Insured for accidental death or permanent disablement: $300,000
Medical expenses for accidents: $8,000

Key Coverages

Here is an overview of your coverage:

Accidental death or permanent disablement
Pays you a lump sum benefit in the event of death or permanent disablement.

Double indemnity for accident on public conveyance
Pays you double the Capital Sum Insured* benefits when death occurs when you travel as a passenger on a public transport. Excludes claims resulting from to acts of Terrorism.

Reimburses you for inpatient and outpatient medical expenses incurred due to an accident

This includes expenses incurred for treatment by a Chinese Physician and Chiropractor.

Medical expenses for accidents (per accident)

Temporary Total Disablement (TTD)

Temporary Partial Disablement (TPD)

Provides a weekly benefit of up to 104 weeks if you suffer from TTD or TPD

Weekly income benefit^ (per accident)

Recuperation benefits (per accident)
Pays you a daily recuperation benefit of up to 365 days if you are hospitalised.

ICU recuperation benefit (per accident)
Provides you a daily recuperation benefit of up to 30 days if you are warded in an ICU.

Covers the expenses incurred for emergency medical evacuation.

You are also covered for repatriation of mortal remains

Benefits falling under this benefit will be serviced by our 24-hour hotline while you are overseas.

Emergency medical evacuation & repatriation of mortal remains (per policy period)

Trauma support(per policy period)
Indemnifies you for expenses incurred for counselling if you are diagnosed for post-traumatic stress disorder as a result of permanent disablement*.

Mobility aid & prosthesis (per policy period)
Reimburses you for the purchase or rental of mobility aid equipments such as wheelchairs, crutches, hearing aids, artificial limb, etc.

Home & vehicle modifications (per policy period)
Covers you for expenses incurred in modifying your residence or vehicle if you suffer from permanent disablement.

Caregiver grant (per policy period)
Pays you a lump sum benefit to hire a caregiver if you suffer from permanent disablement#.

Compassionate fund
Provides your family a lump sum benefit in the event of your death.

Optional Cover:
Child Protector
You can protect your dependent child against all the above covers except weekly income benefits.

Note:
* Capital Sum Insured means the sum insured for Accidental Death.
^ Only 50% of the benefits will be payable when you are unemployed or unable to provide proof of income.
# Benefits are payable upon Permanent Disablement where at least 100% of the Capital Sum Insured is payable.

Important Notes

Here is are some key points to take note:

All amounts shown are in Singapore Dollars

Benefits under this insurance will be payable only upon death, permanent disablement or injury due to an accident.

All those who are insured must be a Singapore citizen, Singapore Permanent Resident or foreigner who is holding a valid employment pass, work permit, dependent pass, student pass or social visit pass and residing in Singapore.

You or your spouse must be at least 18 years old and below the age of 70 at the commencement of this insurance. If enrolled under this insurance before 65 years old and there is no lapse in cover, this insurance is renewable until the age of 85. However, once you or your spouse is 75 years old and above, only Plan A, B or C can be selected.

Your dependent child(ren) must be at least 1 month old at the commencement of this insurance and you can continue to cover them under this insurance until they are 21 or 25 (if the child is studying full-time in a tertiary institution).

If you or your spouse is a homemaker, full-time student, retiree or unemployed, only Plan A, B or C can be selected

If you, your spouse or your dependent child(ren) has/have more than one policy with us covering against Terrorism, the maximum amount payable for Acts of Terrorism for all the policies shall not exceed $500,000 per person.

When more than one person is insured under the policy, the total maximum amount payable under the policy is further subjected to a conveyance/event limit.

Premium rates are non-guaranteed and may be reviewed from time to time

You or we may cancel the policy by giving each other prior notice in writing. Please refer to the policy wordings for the cancellation conditions and applicable charges.

If you or your spouse wish(es) to nominate a beneficiary, please contact your intermediary for the relevant forms.

What TM365 does not cover

Here are some common exclusions under this policy

The following list is non-exhaustive and there are also other conditions where the benefits under this insurance will not be payable. Please refer to the policy wordings for details.

✖ Suicide (whether sane or insane) or attempted suicide while sane or insane

✖ Self-inflicted injury, pregnancy and childbirth. An exception would be made for miscarriage due to an accident.

✖ Pre-existing condition or disability

How much is my premium?

Your premium may vary, depending on:

Important Information

This insurance is underwritten by Tokio Marine Insurance Singapore Ltd. All benefits and features mentioned here are subject to the terms and conditions of the policy. Please refer to the policy contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of the coverage, where applicable, please contact us or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).