Do I need to go for any medical examination?
No. You will be accepted based upon your health declarations on the attached Application Form.
What are the main exclusions?
All Insurance policies have exclusions. Some of the major exclusions under this policy are: war, self destruction, non prescribed use of drugs, intoxication, insanity, venereal disease, AIDS, childbirth,pre-existing defects, professional sports, underwater or other hazardous activities, private aviation and full-time military duty. Covers for infectious diseases are subjected to a Pandemic Alert exclusion.
Is there a waiting period I can make a claim under Medical Expenses due to Infectious Diseases?
Yes. There is a fourteen (14) days waiting period applicable from first inception of cover for the
If I make a claim in one year, what happens to my “No Claim Bonus”?
Your existing ‘bonus’ entitlement which shall be earned within the first 5 years from the inception of the policy will NOT be forfeited. However, there will be no 5% increase in the sum insured on renewal for the year following the claim.
Will I be penalised for my claims made under the Policy?
No. Your renewal premium will not be increased based on your claims experience. However, your premium may be adjusted from time to time for inflation as well as for material change in risk.
My mobile phone was damaged when I sustained injuries from an accidental fall.Will my phone be covered?
This item is not covered under the Personal Effects & Belongings benefits. Other excluded items are jewelry items (but not watches), pagers, portable computers/diaries/PDAs, cameras and video equipment.
What happens if I have more than one PAStar policy with Sompo?
The policy with the highest limit will respond to any claims made.
Are all Personal Accident plans the same?
Most likely not. You will need to look out for differences in Definitions, Extensions, Tables of Benefits
for Permanent Disablement and Exclusions. For example, our ‘Accident’ definition is wider than many other policies as it does not require the accident to be violent, visible or external.
What is this Free Look Benefit? Will I be entitled to premium refund if I need to cancel the policy?
Enjoy 14 days ‘Free Look’ ** from the day you receive your insurance policy. If the policy is notsuitable 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 customa
** This is not applicable to renewals