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Tenet Accident Insurance

24-hour worldwide protection, flexible limits and affordable premiums – Tenet Sompo’s Personal Accident plan allows you to put together benefits that best meet your needs so that you do not become financially burdened when the unexpected happens.

  • Worldwide 24-hours protection against sudden, unforeseen & unexpected events
  • Repatriation Expenses up to $2,000
  • Food Poisoning, Insect/Animal Bites, Murder & Assault, Motorcycling
  • Dental Treatment due to an accident
  • Treatment expenses from licensed Chinese Physicians, Acupuncturist, Bonesetters and Chiropractors up to S$1,000 any one accident
  • Enroll before Age 60 and enjoy renewal up to Age 75 provided there is no lapsation in cover after Age 60
  • Enjoy [14 days “Free Look”]
  • This policy is protected under the Policy Owners’ Protection Scheme
Put together benefits that best meet your needs by selecting your preferred Sum Insured for Accidental Death benefit and enhance the coverage by adding on Permanent Disablement, Weekly Income and Medical Expenses benefits.
BENEFITS

A. ACCIDENTAL DEATH (Compulsory Section)
B. PERMANENT DISABLEMENT – choice of Scale 1 OR Scale 2 benefits
CONCISE PERMANENT DISABLEMENT TABLE OF BENEFITS
See Permanent Disablement Table of Benefit complete benefit table
Description of Permanent Disablement (PD)		 % of Capital Sum Insured Payable
Scale 1 Scale 2
1 Total And Permanent Disablement 100% 100%
2 Total And Permanent Loss of All Sight in One or Both Eyes
3 Total Loss By Physical Severance or Total Permanent Loss of Use of
– Loss of one arm between or at shoulder to wrist
– Loss of one leg between or at hip to ankle
4 Total & Permanent Loss of
– Sight in one eye except perception of light or lens on one eye		 NIL 50%
5 Loss of Fingers or Toes or Phalanges From 3% to 50%
6 Total Permanent Loss of Hearing in One or Both Ears 20% / 75%
7 Total Permanent Loss of Speech 50%
8 Third Degree Burns From 50% to 100%
C. WEEKLY INCOME BENEFITS due to Temporary Total Disablement or Partial Disablement, up to 104 weeks
D. Medical Expenses (Limit any 1 accident)
FREE EXTENSION 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
  • Treatment expenses from licensed Chinese Physicians, Acupuncturist, Bonesetters and Chiropractors up to S$1,000 any one accident
  • Insect/Animal Bite
  • Repatriation Expenses up to $2,000

Annual Premium / Rates (before GST)

(SGD)
BENEFITS SUM INSURED CLASS 1 CLASS 2 CLASS 3
A. Accidental Death (AD) per $10,000 $4.50 $7.00 $10.50
B. Permanent Disablement (PD)
– Scale 1 Benefit
– Scale 2 Benefit		 } per $10,000
}		 $2.25
$4.50		 $3.50
$7.00		 $5.25
$10.50
C. Weekly Income Benefits due to
– Temporary Total Disablement (TTD) per week up to 104 weeks
– Temporary Partial Disablement (TPD) per week up to 104 weeks		 – per $100
– 50% of the above		 $23 $29 $38
D. Medical Expenses
(Limit any 1 accident)		 $500
$1,000
$2,000
$3,000
$4,000
$5,000
$7,500
$10,000		 $12
$15
$23
$29
$35
$40
$58
$86		 $15
$18
$26
$35
$41
$48
$75
$98		 $17
$25
$38
$47
$55
$62
–
–
IMPORTANT NOTES

  1. The rates for Accidental Death (AD) benefits indicated above are valid for up to the Sum Insured as indicated below. Please refer to our office for quotation if you need higher coverage.
    • Class 1 $500,000
    • Class 2 $300,000
    • Class 3 $100,000
    • Retiree / Housewife / Full-time student above 21 years old $200,000
    • Persons age 16 to 21 years old $50,000
  2. Sum Insured for Permanent Disablement should not exceed that of Accidental Death
  3. TTD and TPD are only available for persons who are gainfully employed. Maximum sum insured for TTD is $2,000 per week or up to 80% of the insured person’s basic weekly salary or 1% of AD or PD benefit, whichever is lesser.
  4. Maximum sum insured for Medical Expenses is $10,000 or 5% of AD or PD, whichever is lesser.
  5. For policies issued under corporate / company name to cover a group of individuals or family units, the compensation payable in respect of death or disablement of the insured Persons travelling in the same conveyance at the same time shall be further subjected to a conveyance limit.
  6. Minimum Premium per policy is $50 (before GST)

 

Please refer to the Guide below to determine the Classification of Occupation

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