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Group Accident Insurance

 

Group Accident Policy (1 Feb 2020 – 31 December 2020)

The School has taken up a Group Personal Accident policy for your child/ward with Marsh Singapore – NTUC Income (effective from 1 Feb 2020 to 31 December 2020).  

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


Footnotes:
1      Validity for claims on treatment must be within 12 months from date of incident.
   (1) Death claim – documents are required from (a) Coroner’s Report; (b) Birth Certificate; (c) Death       Certificate; (d) Police Report.    
       (2) Permanent disability claim - Medical report.

 

Basis of Cover: As per Schedule below:


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 for injury due to an accident (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$400 sublimit for TCM). For outpatient and follow-up medical treatment 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 treatment recommended or asked for by a medical practitioner for the Insured person to be treated.

 

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 days)

6.

Temporary / Permanent Mobility Aid, Prosthesis and Other Implants

Up to S$5,000

Memorandum:

1)    It is hereby agreed and declared that the policy covers as follows:

 

 

-          To cover students while within their premises (including boarding school 24 hours cover) regardless whether they participating / attending any school activities.

-          To cover students participating / attending school activities, and/or activities approved / organized / endorsed / sponsored / authorized by NUS High School.

-          To cover students traveling directly between residence and school or venue outside their premises for school activities, and/or activities approved / organized / endorsed / sponsored / authorized by NUS High School.

-          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.

-          To cover students on community involvement program approved/endorsed by NUS High School.

-          To cover students on job attachment assigned and approved 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 S5,000)

·         Ambulance cost (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$5000)

·         Job attachment assigned and approved by the Insured

·         Miscarriage due to an accident

·         Moto-cycling

·         Policy is extended to cover animal bites and insect stings

·         Scarring of face (up to S$500)

·         Strike riot & civil commotion

·         Unscheduled flight (up to $2,000,000 per conveyance)

·         Memo A

Exclusions relating to hazardous activities/sports does not apply if such activities are organized/sponsored/endorsed/authorized 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.