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Group Accident Insurance

 

Group Accident Policy (Feb 2018 – Jan 2019)

The School has taken up a group personal accident policy for your child/ ward with Marsh Singapore Ltd (effect from 1 Feb 2018 to 31 Jan 2019).

The policy is by no means extensive and is intended only to help defray some of the costs incurred by an accident.

Please enquire at the Admin Office for submission of a claim.


 

Claim Procedure

 

1) Inform the teacher-in-charge of an activity/event or mentor to complete a 'School Incident Report' form.

 

2) After the ‘School Incident Report’ is completed and signed by Deputy Principal (Admin), obtain the ‘Marsh (Singapore) – Personal Accident Claim Form’ (within 30 days) from Ms Philomena Loh at the Admin Office.

3) Attach all original supporting documents required:

Medical expenses claim:

 
  • in-patient bills/medical bills and receipts or invoices
     
  • medical report and/or certification from attending physician on diagnosis
     
  • if these have been given to another insurer/employer, please provide:

  • photocopy of the bills
  • reimbursement letter/discharge voucher from the insurer/employer indicating the amount paid by them
     

Death claim:

  • death certificate, police report, autopsy report, coroner’s findings
  • provide proof of relationship between the insured and the claimant e.g. birth certificate
 
Permanent disability claim:
 
  • medical report

 

4) Make a copy of the form and receipts or invoices for your record

5) Submit form and documents to Ms Loh (within 30 days).

Upon receipt of the payment settlement from Marsh (Singapore), Ms Loh will contact the student or parents.

 

Basis of Cover: As per Schedule below

Coverage:

 

No.

 

Benefit

 

Sum Insured /  Limit

1.

Accidental Death  Benefit

S$50,000

2.

Accidental  Permanent Disablement (including Second and Third Degree Burns

Up to 150% of  Death Benefit

3.

 

Funeral Benefit

S$5,000

4.

Medical Expenses  (sum of outpatient and inpatient medical expenses)

 

Up to S$13,000

With the following  sub-limits :-

a)     Outpatient  expenses (up to S$2,150 including S$300 sublimit for TCM) for outpatient  and follow-up medical treatments due to an accident including minor / day  surgery at a clinic /hospital, physiotherapy at specialist outpatient clinics  (SOC) in restructured hospitals and Singapore Sports Council, dental  treatments and ambulance fees

b)     Inpatient  expenses (up to S$10,850) for inpatient and follow-up treatments after  hospitalization due to an accident including daily room and board (including  ICU), capped at S$120 per day, in-hospital consultation and surgery expenses,  for other hospital services (eg. X-rays, MRI, prescription, medical supplies,  operating theatre)

 c)      Reconstructive  surgical expenses arising from an accident (up to S$13,000)

For accident  overseas, the insured must seek treatment within 7 days of returning to  Singapore 

5.

Hospitalization  Allowance (overseas and upon return)

S$50 per day of  hospitalization stay (up to a maximum of 50 day

6.

Temporary /  Permanent Mobility Aid, Prosthesis and Other Implants

S$5,000

 
Terroritorial/Geographical Limit(s): (Cover any one of the following):
 
  1. To cover the students while within their premises (including boarding school 24 hours cover) regardless whether they are participating/attending any school activities;
  2. To cover the students participating/attending school activities, and/or activities approved/ organized/ endorsed/ sponsored/ authorized by NUS High School;
  3. To cover travelling directly between residence and school or venues outside their premises for school activities, and/or activities approved/ organized/endorsed/ sponsored/ authorized by NUS High School;
  4. To cover overseas travel on worldwide 24 hours basis for purpose of participating/attending to activities outside Singapore that are approved/ organized/ endorsed/ sponsored/authorized by NUS High School.
 
Aggregate Limit(s) of Liability:   S$10,000,000 per occurrence/per event
 

Extension(s) Clause(s):

  • 2nd Degree Burn - S$5,000
  • 3rd Degree Burn
  • Additional Accidental Death Benefit due to Natural Catastrophe (Additional Payout - up to S$5,000)
  • Ambulance Costs (Limit : S$500)
  • Assault, Hijack and Murder Clause
  • Cancellation Clause by Insurer(s) 60 days, by Insured (anytime with Pro-rata Premium refund)
  • Comatose State Benefit (Up to 10% of accidental death or S$50,000 whichever is lower)
  • Community Involvement Program approved/endorsed by the Insured
  • Drowning and Suffocation by Gas, Poisonous Fumes or Smoke
  • Exposure & Disappearance Clause (12 months)
  • Full Terrorism Cover (including Nuclear, Chemical & Biological)
  • Food Poisoning in School or during a School Activity
  • HIV due to blood Transfusion (up to S$5,000)
  • Job attachment assigned and approved by the Insured
  • Miscarriage due to an accident
  • Motor-cycling
  • Policy is extended to cover animal bites and insect stings
  • Scarring of Face (up to S$500)
  • Strike Riot & Civil Commotion
  • Unscheduled Flights (up to S$2,000,000 per conveyance)
  • Memo A

Exclusions relating to hazardous activities/sports do not apply if such activities are organised/sponsored/endorsed/authorised by the Insured  

Major Exclusion(s):
 
  • War, revolution or any similar event
  • Radioactivity or nuclear risks
  • Criminal act, self-injury, suicide while sane or insane, provoked assault, intoxication, drugs
  • Taking part in flying or aerial activities except as a fare paying passenger
  • Professional sports, any kind of speed contest or racing (other than on foot)
  • Engaging in naval, military or air forces services or training (other than reservist training)
 

The above summary provides an outline of the coverage and is not a policy document. The terms and conditions of the Insurer's policy document shall prevail at all times.