Personal Accident Insurance

Professions or occupations of professional, administrative, managerial or clerical involving indoor and non-manual nature.
Examples: doctors, lawyers, architects, accountant, teachers, executives, clerks, bankers, secretaries, stockbrokers, indoor salespersons, and Management (Managing Director, Manager, CEO etc) with overseas travel less than 12 times a year.

Professions or occupations of outdoor nature or involving manual work whose duties do not involve use of tools or machinery.
Examples: bartenders, storekeepers, outdoor salespersons, tour guides, journalists, hairdressers, domestic helpers, insurance agents, property agents, beauticians, fitness trainers, waiters, and Management (Managing Director, Manager, CEO etc) with overseas travel 12 or more times a year.

Professions or occupations involving manual work whose duties involve use of tools or machinery (other than woodworking machinery).
Examples: bakers, butchers, cook, deliverymen, drivers, driving instructors, fishmongers, fitters, gardeners, hawkers, engineers (involving the use of tools), painters, private investigators, plumbers, veterinary surgeons and unarmed security guards.

Commercial airline crews, full time national servicemen, firemen, policemen, regular national servicemen, prison wardens, steermen, armed security guards, carpenters and woodworking machinists.