Tenet Insurance Company Ltd



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PersonalAccident

Highlights
Coverage & Premium
Free Extension Covers
Classification Of Occupation
Eligibility
Auto Renewal Via GIRO Payment of Annual Premium
Money Back Guarantee

Personal Accident brochure

24-hour worldwide protection, flexible limits and affordable premiums, our PersonalAccident provides coverage for accidental death, disablement and medical expenses so that you do not become financially burdened when the unexpected happens.

Personal Coverage

HomeBliss

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HIGHLIGHTS

Worldwide 24-hours protection against sudden, unforeseen & unexpected events
Enroll before Age 60 and enjoy renewal up to Age 75 provided there is no lapsation in cover after Age 60
No medical examination required
Benefits payable within 18 months from date of accident
14 Days Free Look Period

COVERAGE &
PREMIUM

BENEFITS		SUM INSURED (S$)	PREMIUM (S$)
			Class I	Class II	Class III
Accidental Death		per 10000	4.50	7.00	10.50
Permanent Disablement Permanent Disablement Table of Benefit	Refer to Permanent Disablement Table of Benefit
	Scale 1	per 10000	2.25	3.50	5.25
	Scale 2	per 10000	4.50	7.00	10.50
Temporary Total Disablement (per week up to 104 weeks)		per 100	23.00	29.00	38.00
Temporary Partial Disablement (per week up to 104 weeks)		50% of Temporary Total Disablement	-	-	-
Medical Expense (limit any 1 accident)		500	12.00	15.00	17.00
		1,000	15.00	18.00	25.00
		2,000	23.00	26.00	38.00
		3,000	29.00	35.00	47.00
		4,000	35.00	41.00	55.00
		5,000	40.00	48.00	62.00
		7,500	58.00	75.00	-
		10,000	86.00	98.00	-

Minimum premium : $50 per policy + prevailing GST

FREE EXTENSION COVERS

In addition you get to enjoy these FREE covers

Suffocation by smoke, poisonous fumes and drowning
Murder & Assault
Hijacking
Riot and Civil Commotion
Peacetime Reservist
Loss of limbs without actual physical severance
Accidental miscarriage
Traveling as a fare-paying passenger on licensed commercial aircrafts
Motorcycling
Recreational sports and activities such as roller-blading, snorkeling and wake-boarding
Consultation fees from licensed Chinese Physicians, Acupuncturist, Bonesetters up to $500
Insect/Animal Bite
Repatriation Expenses up to $2,000

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 (>50% in office), Retiree (more than 62 years old), Surgeon (Non-veterinary), Tailor, Full-Time Student (more than 16 years old). Management (Director, Manager etc) with overseas travel less than 12 times a year.

Class II
Persons engaged in work of an outdoor or supervisory nature or involves occasional in manual work whose duties do not involve the use of tools or machinery or exposure to any special hazard.
Example: Chauffeur, Decorator (Managing), 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, Laboratory Assistance (in schools and collages). Management (Director, Manager etc) with overseas travel 12 or more times a year.

Class III
Persons engaged in manual work not of particularly hazardous nature but involving the use of tools or machinery.
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, Technician.

REFERRED OCCUPATIONS FOR COVER DURING OFF-DUTY HOURS:
(Please refer to our office for approval) Air crew, pilot, military personnel (excluding MINDEF administrative staff)

DECLINED OCCUPATION: Industrial workers using heavy machinery/ woodworking related; any occupation involving aviation activities; police force personnel, fire fighters; construction/ unskilled workers; ship crew or workers on board vessels, stevedores, shipbreakers; occupations involving diving, platforms, oil & gas rig and/or offshore work; occupation involving work at heights/ undergroud &/or handling of hazardous chemical/ electricity; professional sports teams; professional divers and jockey; 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.

AUTO RENEWAL VIA GIRO PAYMENT OF ANNUAL PREMIUM

Apply to pay annual premiums via GIRO and enjoy automatic renewal.

To apply, please complete, sign and submit the Application Form for Interbank GIRO to our office not later than 3 months before policy expiry.

Application Form for Interbank GIRO

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.