BENEFITS AT A GLANCE (S$)
Basic Cover Benefits Per Insured Adult	Deluxe	Elite	Elite Plus	Elite Max
A. Accidental Death and Permanent Disablement	$100,000	$200,000	$500,000	$1,000,000
B. Medical Expenses (per Accident)	$3,000	$4,000	$7,000	$7,500
Sub-limit for treatment by a Chiropractor or Chinese Physician	$300 per Accident (up to $50 per visit) subject to max. $600 per Policy Year	$600 per Accident (up to $100 per visit) subject to max. $1,200 per Policy Year
Sub-limit for treatment by a Physiotherapist (per Policy Year)	$1,000	$1,500
C. Daily Hospitalisation Allowance (per day)
up to 365 days for any one Accident	$100	$150	$300	$400
D. Weekly Income Benefit (per week)
for temporary disablement up to 104 weeks in a row for any one Accident	$100	$200	$400	$500
E. Family/Parental Allowance (per month)
for 12 months in the event of Accidental Death	$2,000	$3,000
F. Re-employment Benefit
(upon ≥ 50% Permanent Disablement payment)	$1,000	$2,000
G. Personal Effects & Belongings
damaged as a result of an accident payable under the policy (per Policy Year)	$300	$400
H. Emergency Medical Evacuation & Repatriation
per Policy Year	$50,000 per Insured Person subject to $100,000 in aggregate
I. Tuition Benefit for each Insured Child (per month)
for 12 months	$200	$300
J. Mobility Aid
purchase or rental of Mobility Aid as prescribed by a Registered Medical Practitioner (per Accident)	$3,000	$4,000
Free Extensions	Deluxe	Elite	Elite Plus	Elite Max
– Accidental Miscarriage and Recuperation Cash Allowance – Baby Bonus Allowance – Cancellation of Staycation or Covered Event due to Hospitalisation – Disappearance – Domestic Maid – Double Hospitalisation Allowance in ICU Arising from Accidents – Double Indemnity for Accidental Death as A Passenger in a Public Transport – Exposure – Facial Disfigurement & Reconstructive Surgery – Food Poisoning – Full Terrorism Cover – Full-Time National Service when off-duty – Infectious Diseases* – Insect / Animal Bites – Marriage Bonus Allowance – Motorcycling – No Claim Bonus – Reservist Training – Riot, Strike, Civil commotion, Hijack, Murder and Assault – Suffocation by Smoke, Poisonous Fumes, Gas & Drowning – Survivor Benefit (free 6 months policy extension) – Trauma Counselling Expenses
BENEFITS per child	Deluxe	Elite	Elite Plus	Elite Max
A. Accidental Death and Permanent Disablement	25% of parent’s Sum Insured based on the lower of the parent’s selected plan. Where Elite Plus or Elite Max plans are selected, benefits per child will be computed based on 25% of Elite Plan’s Sum Insured.
B. Medical Expenses
C. Daily Hospitalisation Allowance
H. Emergency Medical Evacuation & Repatriation
J. Mobility Aid
OPTIONAL COVERS ENHANCED BENEFITS per Insured Adult	Deluxe	Elite	Elite Plus	Elite Max
K. ID Booster providing Daily Hospitalisation Allowance (per day)
(up to 60 days) – Due to 17 Specified Infectious Diseases	$100	$150	$300	$400
L. Education Fund
for Insured Child(ren) upon Accidental Death of the Insured Self and/or Insured Spouse	$25,000 per Policy Year
M. Parent’s Cover
up to 4 parents including parents-in-law if both Insured Adults are covered under the same PAStar	$25,000 (upon Accidental Death / Permanent Disability)

*List of 17 Specified Infectious Diseases
– Severe Acute Respiratory Syndrome (SARS)
– Dengue Fever / Dengue Hemorrhagic Fever
– Variant Creutzfeldt-Jakob Disease (vCJD) or ‘Mad Cow Disease’
– Nipah Viral Encephalitis
– Japanese Viral Encephalitis
– Malaria
– Pulmonary Tuberculosis
– Measles
– Rabies
– Melioidosis
– Hand, Foot, Mouth Disease (HFMD)
– Avian Influenza or ‘Bird Flu’ due to Influenza A viral strains H1N1, H5N1, H9N2, H7N7 or H7N9
– Chikungunya Fever
– Mumps
– Rubella
– Middle East Respiratory Syndrome (MERS)
– ZIKA virus

Permanent Disablement Table of Benefits
Description of Permanent Disablement (PD) (Please refer to our office or website for full PD Table of Benefits)	% of Capital Sum Insured Payable
1. Total paralysis of all limbs	150%
2. Total and permanent loss of all sight of
– both eyes	150%
– one eye	100%
3. Total loss of speech	50%
4. Total loss of speech and hearing in both ears	150%
5. Total loss by physical severance or total and permanent loss of use of
– two whole limbs or two feet/hands	150%
– one leg at hip or between hip and ankle	100%
– loss of one arm at shoulder or between shoulder and wrist	100%
– one hand or one foot	100%
6. Total loss by physical severance or total and permanent loss of use of both thumbs and all fingers	100%
7. Total loss by physical severance or total and permanent loss of use of index finger	5% to 15%
8. Total loss by physical severance or total and permanent loss of use of little finger	3% to 10%
9. Total loss by physical severance or total and permanent loss of use of toes	3% to 18%
10. Fractured leg or patella with established non-union of leg or shortening of leg by at least five centimetres	10%
11. Third Degree Burns	50% to 100%
Where the injury is not specified, the Company will adopt a percentage of disablement, which in its opinion is not inconsistent with the provisions of the Table of Benefits.

Basic Cover Enhanced Benefits Per Insured Adult Section A to J Including Extended Benefits	Annual Premium (Inclusive of GST)
	Deluxe	Elite	Elite Plus	Elite Max
Per Insured Adult
CLASS 1	$194.40	$313.20	$713.88	$1,096.20
CLASS 2	$237.60	$383.40	$792.72	$1,182.60
CLASS 3	$464.40	N.A.
Per Insured Child
If BOTH parents are covered under the same PAStar	FREE for unlimited number of Children
If only ONE parent is covered under the same PAStar	$47.52	$79.92
Optional Covers
Per Insured Adult
K. ID Booster according to plan selected	$19.44	$23.76	$43.20	$54.00
L. Education Fund Per unit of S$25,000	$27.00
M. Parent’s Cover Per Parent	$32.40
Per Insured Child
K. ID Booster – If BOTH parents are covered for ID Booster	FREE for unlimited number of Children
– If only ONE parent is covered for ID Booster	$5.40	$6.48

Classification of Occupation
CLASS 1 Persons engaged in indoor & non-manual work in non-hazardous places	CLASS 2 Persons engaged in outdoor, supervisory or occasional manual work not involving the use of tools or machinery or exposure to any special hazards	CLASS 3 Persons engaged in manual work not of particularly hazardous nature but involving the use of tools or machinery
Examples – CLASS 1	Examples – CLASS 2	Examples – CLASS 3
Admin-based Personnel (e.g. Assistant, Executive, Manager, Director) Air Crew & Pilot (Off-duty cover only) Architect Dentist / Doctor (Non-veterinary) Housewife / Homemaker Indoor Sales / Marketing (More than 80% in the office) MINDEF Admin Staff (Excludes field training) National Service Full-Time (Off-duty cover only) Nurse (Outpatient clinic) Software Engineer Student Teacher	Actor / Actress Barber / Hairdresser Florist Factory Worker Foreman (Non-construction) Insurance Agent / Property Agent Magician Nurse Outdoor Sales / Marketing Surgeon Unarmed Security Guard Waiter / Waitress	Air Conditioner / Appliance Repairman Baker / Chef Carpenter Contractor Driver (with Class 3 license) Electrician Gym / Fitness Instructor Hawker / Hawker Assistant Maintenance personnel (Inspector, Supervisor, Technician) Painter (not working at heights above 30 feet) Plumber Technician