Here’s what the Group Personal Accident Insurance for Students offers.
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Protection against death and permanent disablement.
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Coverage for inpatient and outpatient medical expenses.
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Provides funeral benefit as well as coverage for temporary/permanent mobility aids, prosthesis, and other implants.
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Daily hospitalisation allowance for each day of hospital stay overseas and upon returning to Singapore.
Take a closer look at what this plan covers.
Coverage amount overview
Permanent Disablement (including Second and Third Degree Burns): Up to 150% of Death Benefit (as per Schedules of Benefits in Tables 2-4)
Medical Expenses (sum of outpatient and inpatient medical expenses): Up to $13,000
Funeral Benefit: $5,000
Temporary/Permanent Mobility Aid, Prosthesis and Other Implants: $5,000
Hospitalisation Allowance (overseas and upon return to Singapore): $50 per day of hospitalisation stay (up to a maximum of 50 days)
Medical expenses sub-limits: Up to $13,000
- Outpatient expenses: Up to $2,150 with $400 sub-limit for TCM
For outpatient and follow-up medical treatments due to an accident including minor/day surgery at a clinic/hospital, physiotherapy at specialist outpatient clinics (SOC) in restructured hospitals and Singapore Sports Council, dental treatments and ambulance fees. - Inpatient expenses: Up to $10,850
For inpatient and follow-up treatments after hospitalisation due to an accident including daily room and board (including ICU), capped at $120 per day, in-hospital consultation and surgery expenses, for other hospital services (e.g. X-rays, MRI, prescription, medical supplies, operating theatre). - Reconstructive surgical expenses arising from an accident: Up to $13,000
Extensions
- Act of god/convulsion of nature
- Automatic additions, deletions & promotions
- Disappearance including disappearance resulting from an act of god or convulsion of nature. (Limit: 365 days)
- Comatose state benefit (50% of Death benefit as an additional pay out; refer to Table 1)
- Drowning, suffocation by smoke, poisonous fumes, gas
- Domestic and nursing assistance expenses (Limit: S$1,000)
- Double indemnity for Death or Permanent and Total/Partial Disability whilst on a public conveyance or due to a natural catastrophe
- Exposure
- Food poisoning
- Hijack
- Murder and assault
- Motorcycling
- Strike, riots and civil commotion
- Terrorism including losses caused by terrorist attacks by nuclear, chemical and/or biological substances
- Trauma counselling, psychiatric and psychological treatment fees (Limit: $1,000)
- Injury, illness, disease or death resulting from complications or related to attacks by venomous or disease transmitting insects, reptiles, amphibians, sea creatures and animals.
- Competitive Sports and Activities of Higher Risks
- Illness, disease or Death from the contracting of pandemic or communicable diseases or viruses, including but not limited to Avian flu, MERS, SARS, Dengue Fever, Ebola, Malaria, Chikungunya, Zika, HFMD and other similar or related diseases or viruses due to and arising from exposure in the insured’s school premises or during any school-related activity, whether in Singapore or elsewhere.
- Claims arising directly or indirectly or in consequence of invasion, act of foreign enemy, hostilities, acts of terrorism, civil war, civil unrest, civil commotion, strike, riot, rebellion, revolution, insurrection, mutiny, uprising, military coup or other usurpation of power, confiscation, detention, nationalization, requisition, martial law or state of siege or any events or causes which result in the proclamation or maintenance of martial law or state of siege.
| Duration of Comatose | Schedule of Benefits |
|---|---|
| At least 3 months | 25% of Comatose state benefit |
| At least 6 months | 50% of Comatose state benefit |
| At least 9 months | 75% of Comatose state benefit |
| At least 12 months | 100% of Comatose state benefit |
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Important Notes
This is for general information only. The terms and conditions of Group Personal Accident Insurance for Students are found in the master policy contract.
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 14 April 2022.
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