24-hour worldwide protection against accident for as little as $3 per student per year.
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Students get protection against accidental death, accidental permanent disability, and medical expenses for injuries due to accidents.
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Receive a daily cash benefit of $10.70 for each full day of hospital stay up to a maximum of 365 days from the date of the accident.
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Get reimbursed up to the maximum benefit limit for medical expenses incurred from food poisoning[1], or for treatment of injuries due to bee/wasp/hornet stings[2].
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Teaching and non-teaching staff will also be covered against accidents within the centre’s premises during official operating hours.
Your coverage at a glance.
| Description | Limits of compensation | Limits of compensation |
| Medical expenses (Includes medical, surgical, and hospital fees) | Up to $3,000 for one accident for no more than three different accidents each policy year (Fees and charges must be charged within a year from the accident date) | Up to $3,000 for one accident for no more than three different accidents each policy year (Fees and charges must be charged within a year from the accident date) |
| Hospital cash benefit | $10.70 for each full day of hospital stay (Up to 365 days from the date of accident) | $10.70 for each full day of hospital stay (Up to 365 days from the date of accident) |
| Schedule of losses | The total we will pay per accident is $20,000 (Payable within 90 days from the date of accident) | The total we will pay per accident is $20,000 (Payable within 90 days from the date of accident) |
| i. Loss of life | $10,000 | $10,000 |
| ii. Total paralysis through injuries | $20,000 | $20,000 |
| iii. Loss of any two limbs | $20,000 | $20,000 |
| iv. Loss of one limb | $10,000 | $10,000 |
| v. Loss of sight of both eyes | $20,000 | |
| vi. Loss of sight of one eye | $10,000 | $10,000 |
| vii. Total loss of speech | $10,000 | $10,000 |
| viii. Total loss of hearing | $10,000 | $10,000 |
| ix. Loss of hearing in one ear | $5,000 | $5,000 |
| x. Loss of thumb | $2,500 | $2,500 |
| xi. Loss of index finger | $2,500 | $2,500 |
| xii. Loss of phalanx of thumb | $1,500 | $1,500 |
| xiii. Loss of any finger other than index finger | $1,000 | $1,000 |
| xiv. Loss of any one toe | $1,000 | Up to $3,000 |
| xv. Cost of artificial limb | Up to $3,000 | Up to $3,000 |
We will not pay extra compensation for any specific item which is part of a greater item due under this policy. For example, we will pay the insured person for the loss of limb, but we will not pay the insured person again for the loss of finger or thumb.
The maximum compensation for several disabilities including death due to any one accident is $20,000 per insured person.
The maximum total compensation for any one accident is $5,000,000 or the total sum assured (whichever is less), no matter how many insured persons claim under this policy for that accident.
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Exclusions
There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.
Important Notes
- Food poisoning is covered only if your students become ill or die while taking part in activities you have approved or while at your premises.
- Your students are covered if they suffer or die from an injury caused by bee or wasp or hornet stings while taking part in activities you have approved, regardless of whether the accident happened at or outside your premises.
This is for general information only. You can find the usual terms and conditions of this plan in the policy contract. All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want.
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 coverage, where applicable, please contact Income or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
Information is correct as of 23 July 2019.
Information is correct as of 13 May 2022.
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