SME PA

Features

Packaged plans tiered to suit your employees' needs.
Covers accidental injuries in and out of work - Injury means damage or harm to the Insured Person's body caused by an external force during the Period of Insurance which is caused directly and solely by an Accident.
Policy will be administered on Unnamed basis. Minimum of 2 employees and maximum of 200 employees.
Offers 16 policy benefits and 9 extensions. 24/7 worldwide cover.
Free Extension coverage such as Accidental Miscarriage, Food Poisoning, Motorcycling.

Table of Cover

		Sum Insured Per Insured Person
The following section limits will apply according to the Insured Person's Plan:
Section	Benefit	Plan 1	Plan 2	Plan 3	Plan 4	Plan 5
A	Accidental Death/Permanent Disablement (per Policy Year)	$100,000	$200,000	$350,000	$500,000	$1,000,000
B	Repatriation of Mortal Remains	$5,000	$5,000	$5,000	$5,000	$5,000
C	Medical Expenses (per Accident)	N.A.	$1,000	$3,000	$5,000	$5,000
D	Treatment by Chiropractor or Chinese Physician
	Limit per Policy Year	N.A.	$600	$1,000	$1,400	$1,400
	Limit per Accident	N.A.	$300	$500	$700	$700
	Limit per visit	N.A.	$100	$100	$100	$100
E	Ambulance Fees (per Accident)	N.A.	$100	$300	$500	$500
F	Bereavement	N.A.	$2,000	$5,000	$10,000	$10,000
G	Trauma Counselling (per Accident)	N.A.	$1,000	$3,000	$5,000	$5,000
H	Critical Income	N.A.	N.A.	$10,000	$10,000	$10,000
I	Major Head Trauma (per Accident)	N.A.	N.A.	$20,000	$20,000	$20,000
J	Mobility Expenses (per Accident)	N.A.	N.A.	$20,000	$20,000	$20,000
K	Accidental Hospital Recuperation (per Accident)	N.A.	N.A.	$350	$350	$350
L	Child Education Fund	N.A.	N.A.	$5,000 per Child, up to a maximum total of $20,000 for all surviving Child(ren)
M	Accidental Death Due to Natural Catastrophe	N.A.	N.A.	$50,000	$50,000	$50,000
N	Comatose (per Accident)	N.A.	N.A.	$30,000	$30,000	$30,000
O	Fracture (per Accident)	N.A.	N.A.	$3,000	$3,000	$3,000
P	Death due to COVID-19	N.A.	N.A.	$5,000	$5,000	$5,000

List of occupations or work scopes that are not covered

Persons engaging in the following occupations/work scopes are not covered:

Pilots, or aircrew whilst on duty or any occupation involving aviation activities
Full-time military personnel
Police force personnel
Fire fighters
Construction / unskilled workers
Ship crew or workers on board vessels, oil and gas rig workers, offshore workers, stevedores, shipbreakers
Welding
Professional sportsperson
Work involving height (exceeding 30 feet above ground or floor level), works underground, travel beyond normal speed on land, handling of hazardous chemical and/or handling of explosives
Woodworking machinists
Professional divers and jockeys
Crane operators

Occupation Classification

Class 1 Occupations that are of indoor and administrative, managerial or clerical nature.	Examples Administrative personnel, Accountant, Auditor, Data Analyst, Dentist/Doctor (non-veterinary), Lawyer, Software Engineer, Tutor
Class 2 Occupations that are of outdoor or supervisory nature involving occasional manual work without the use of tools or machinery.	Examples Actor/Actress, Bartender, Chauffeur, Insurance Agent, Florist, Musician, Photographer, Property Agent, Waiter/Waitress
Class 3 Occupations that are manual in nature or involve the use of tools or machinery.	Examples Baker, Butcher, Chef, Courier, Electrician, Fitness/Gym Instructor, Technician, Veterinarian

Eligibility of plan type based on occupation classification

	Plan 1	Plan 2	Plan 3	Plan 4	Plan 5
Class 1	✓	✓	✓	✓	✓
Class 2	✓	✓	✓	✓	✗
Class 3	✓	✓	✓	✗	✗

Important Notice

Policy Owners' Protection Scheme
This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)

Disclaimer
The product information detailed in this section does not outline all aspects of cover nor does this serve as an insurance contract. Please refer to a copy of our policy wording, which is available on request, for details of the coverage conditions and limits; or contact our Sompo authorized agent or your insurance broker for more details.