Tenet Insurance Company Ltd



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PAStar - A Complete Personal Accident Package Plan
Highlights Coverage Optional Covers Classification Of Occupation Eligibility Money Back Guarantee Quote & Apply PAStar brochure

The insurance policy that covers you and your loved ones. PAStar is packaged with unique features to ensure that you and your family receive worldwide protection 24 hours a day.

Personal Coverage

HomeBliss

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HIGHLIGHTS

Worldwide 24-hour protection against sudden, unforeseen & unexpected events
Worldwide terrorism cover up to capital sum insured per insured person (excluding biological, nuclear and chemical terrorism). Not available for Corporate Group Policies.
Income continuance in the event of temporary disablement
Renewable up to Age 75 when plan is taken up before Age 60 and renewed every year with no lapsation in cover after Age 60
Free extended benefits
No Claim Bonus up to 25%
Unique optional covers at affordable premiums
Special extensions & options only for Family Plan including
- Double Indemnity in the event that both insured and spouse are involved in the same fatal accident (other than terrorism activities)
- Education Fund for dependents (Option)
- Survivor Benefit
- Free accidental death / permanent disablement cover for Domestic Maid in selected family plans
No medical examination required
SOS Assistance
14 Days Free Look Period

COVERAGE

PAStar provides 4 plans with different coverage limits. It is also available for individual or family coverage. Each plan provides a comprehensive coverage including:

Accidental Dealth/Permanent Disablement

You will receive cash up to the insured amount in the event of Accidental Death or Permanent Disablement
Table of Benefits

Daily Hospitalisation Allowance

You will receive a daily cash allowance up to 365 days if you are hospitalised for > 24 hours due to an accident

Family/Parental Allowance

Your family will receive a monthly income for 12 months in the event of accidental death of you and/or your spouse

Medical Expenses

You will be reimbursed for medical expenses following an accident up to the insured amount per policy year.
Your child(ren) will be covered for this benefit as well if Family Plan is selected.
Medical expense for Dengue Fever is also covered up to 50% of section limit, 14 days waiting period applies.

Weekly Income Benefit

You will receive a steady income in the event of temporary disablement up to 104 weeks (only for persons who are gainfully employed)

Personal Effects & Belongings

You can claim for your personal effects and belongings damaged in an accident (per policy year)

Survivor Benefit (For Family Plan Only)

Your surviving insured family members could enjoy an extended 6 months cover for free in the event of accidental death of you and/or your spouse.

Emergency Medical Evacuation & Repatriation plus 24-hour worldwide emergency assistance services

OPTIONAL COVERS

These unique Optional Covers are also available

Child Day-Care Benefit (For Family Plan Only) provides a monthly cash benefit upto 12 months for child(ren) aged 12 years old or younger in the event of accidental death of you and/or your spouse

Daily Hospitalisation Allowance from Sickness provides a daily allowance up to 60 days in the event of hospitalisation due to an illness (excluding all pre-existing illnesses and excess of 24 hours is applicable to Insured Persons aged 51 & above)

Education Fund (For Family Plan Only) provides $25,000 for your child's education in the event of accidental death of you and/or your spouse

Parent's Cover provides your parent $25,000 for accidental death/permanent disability

View coverage details and premium here:

CLASSIFICATION OF OCCUPATION

Class I
Persons engaged in indoor & non-manual work in non-hazardous places.
Example: Accountant, Office Clerk, Architect (Indoor), Barber/ Hairdresser, Beautician, Dentist/Doctor, Home-maker, Lawyer, Nurse, Indoor Sales/Marketing, Retiree (more than 62 years old), Surgeon (Non-veterinary), Tailor, Full-Time Student (more than 16 years old).

Class II
Persons engaged in work of an outdoor or supervisory nature or involved occasionally in manual work whose duties do not involve the use of tools or machinery or exposure to any special hazard.
Example: Chauffeur, Decorator (Supervisory), Engineer, Foreman (Non-Construction), Grocer, Outdoor Sales/Marketing, Surveyor, Insurance Agent/ Property Agent, Assembly Line Production Worker (Not using tools & machinery), Unarmed Security Guard, Fitness/Gym Instructor.

Class III
Persons engaged in manual work, involving the use of tools or machinery but not of a particularly hazardous nature.
Example: Baker/Chef, Butcher/Fishmonger, Carpenter (Not using woodworking machinery), Contractor, Courier, Driver, Farmer, Hawker/Market Stallholder, Motor Repairer, Painter (Not involving work at heights), Plumber, Veterinary Surgeon.

Subject to approval by the company, restricted cover during off-duty hours may be considered for Air Crew, Pilot, NSmen and Military/ Navy/Airforce personnel.

All other professions and occupations not mentioned above must be referred to the company for approval EXCEPT for the following occupations which will be declined:
Industrial workers using heavy machinery; woodworking related or any occupation involving aviation activities; armed services personnel; police force personnel, fire fighters; construction/unskilled workers; ship crew or workers on board vessels, stevedores, shipbreakers; occupations involving diving, platforms, oil and gas rig and/or offshore work; occupations involving work at heights/underground and/or handling of hazardous chemical/electricity; professional sports teams; professional divers and jockeys; welders and the like.

ELIGIBILITY

Any Singaporeans, Permanent Residents or Foreigners with valid employment passes who are domiciled in Singapore whose age next birth is between 16 to 70 years may apply.

Children between 6 months to 21 years old or extended to 25 years old for those in full-time tertiary institutions can also be enrolled in the Family Plan.

For children between 16 to 21 years who wants to enroll in an Individual Plan, only Plan A is available.

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MONEY BACK GUARANTEE

Enjoy 14 days "Free Look" from the day you receive your insurance policy. If this policy is not suitable for you, you can arrange to cancel your policy within this period and receive a full refund on the payment made, no questions asked! Beyond the “Free Look” period, we will refund you the balance premium after deducting our customary short-term premium or minimum premium provided no claim has been made under the policy.