Motor Insurance (Private Vehicle)

Motor Insurance covers your motor vehicle against loss or damage caused by accidents. It covers your legal liability for bodily injury or property damage to third parties. There are 3 types of policy covers:

1. Third Party Only
   This policy covers unlimited liability for injury or death to third parties, and property damage, normally up to a set limi

2. Third Party Fire and Theft
   This policy provides the same cover as “Third Party Only”. At the same time, it covers insured’s vehicle for damage, which may result from partial or total fire and theft losses. Accidental damage caused to insured’s own vehicle is not covered unless it arises as a direct result of fire and theft

3. Comprehensive
   This policy offers the greatest protection against financial loss because it covers:
   

   1. Damage to own vehicle arising from accident, fire or theft, malicious damage;
   2. Liability to third party and passengers in own vehicle for death and bodily injury and liability tot third party’s property;
   3. Medical Expenses; and
   4. Personal Accident benefit

Personal Accident Insurance

This policy covers you for bodily injury or death arising from an accident, but does not cover death from natural causes, as does a life policy.

It offers a 24 hours protection against accident that occurs any time, anywhere, at work or play. If at work, the benefits payable is in addition to any Employee’s Compensation scheme. Depending on the type of injury, if the accident disabled you only for a short period (total or partial disabled), a weekly compensation will be paid for a specified length of time mostly up to 104 weeks.

Another optional extension protects you against the cost of medical treatment following an accident, up to an agreed-upon limit.

Household Building and Contents Insurance

This policy covers loss or damage to the building and/or contents arising from an insured peril. For example: A fire, lightning, explosion, flood, bursting of water pipes, windstorm, or malicious damage.

In addition to above perils, the policy also provides the following contingencies:

1. Theft
2. Additional Expense of Alternative Accommodation / Loss of Rent
3. Liability to the Public (Premise risk only)
4. Compensation for Death of the Insured
5. Servant’s property
6. Pets

Travel Insurance

Travel insurance is known by many names including trip insurance, traveler insurance, trip cancellation insurance and trip interruption insurance. No matter what name you use, researching travel insurance products can be confusing. However, the following covers are usually found in a package form as follows:

1. Accident Death and Permanent Disability
2. Medical and Accidental Dental Expenses
3. Medical Expenses
4. Emergency Medical Evacuation
5. Repatriation
6. 24 hours Emergency Medical Assistance
7. Trip Cancellation
8. Trip Curtailment
9. Travel Delay and/or Missed Connection
10. Baggage Loss
11. Baggage Delay
12. Aircraft Hijack
13. Personal Liability
14. Rental Vehicle Excess

Domestic Maid Insurance

To comply with the immigration regulations where work permits/visit passes are granted for engaging foreign workers, employers are allowed to furnish an immigration bond to the Controller of Immigration instead of a cash deposit.

The purpose of this security bond is to ensure that employers take responsibility for their foreign workers and repatriate them after their work permits have been cancelled or when their employment have been terminated.

1. S$5,000 Bond Guarantee
2. Personal Accident
3. Hospital & Surgical Expenses
4. Repatriation
5. Loss of Service Cash Benefits

Health Insurance

Various package covering insured members for visits to general practitioners and specialists, and for hospitalisation.

1. Hospitalisation expenses
2. Daily Cash Allowance during hospitalisation
3. Inpatient Care Benefits
4. Outpatient Care Benefits

Golfers Insurance

Coverage is provided whilst you are playing or practising your game at golf course premises including driving ranges

1. 24-hours Personal Accident
2. Medical Expenses incurred as a result of an accident
3. Club Subscription Fees
4. Golfing Equipment and Personal Effects
5. Hole-in-one
6. Liability to the Public for bodily injury or property damage

Other Personal Insurances

1. Pet Insurance
   Your pets may meet with accidents, suffer from illnesses and face other perils. This cover ensure your pets gets the best veterinary care it needs to stay healthy and happy Yes, all pet lovers need pet insurance. Just like humans, insurance against such misfortunes.

2. Mobile Equipment Insurance
   Personal computers, notebooks, handheld computers, mobilephones, video cameras, digital cameras, etc can be covered under this plan. This plan protects your equipment 24 hours a day, worldwide against accidental loss or damage

3. Pleasure Craft Insurance
   Covers your boat against all physical loss or damage arising directly from any external cause. It provide you and your passenger with Personal Accident cover in the event of death or permanent disablement occurring whilst on your boat. A Third Party Liability cover can also be arranged.