Group Personal Accident Insurance for Students

• Death Benefit: $50,000
• Permanent Disablement (including Second and Third Degree Burns): Up to 150% of Death Benefit (as per Schedules of Benefits in Tables 2-4)
• Medical Expenses (sum of outpatient and inpatient medical expenses): Up to $13,000
• Funeral Benefit: $5,000
• Temporary/Permanent Mobility Aid, Prosthesis and Other Implants: Up to $5,000
• Hospitalisation Allowance (overseas and upon return to Singapore): $50 per day of hospitalisation stay (up to a maximum of 50 days)

With the following sub-limits:

1. Outpatient expenses: Up to $2,150 with a further sub-limit of up to $400 for treatment by a traditional chinese medicine practitioner 
   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 or at Sports Medicine Centre operated by Sports Singapore, treatment by traditional chinese medicine practitioners and ambulance fees.
   
   
2. Inpatient expenses: Up to $10,850
   For inpatient and follow-up treatments after hospitalisation due to an accident including daily room and board (including ICU), capped at $120 per day, in-hospital consultation and surgery expenses, for other hospital services (e.g. X-rays, MRI, prescription, medical supplies, operating theatre).
   
   
3. Reconstructive surgical expenses arising from an accident: Up to $13,000
   For medical consultation, test, surgical procedure and medical treatment before/after the surgery.
   
   
4. Dental treatment expenses: Up to $4,000
   For outpatient, inpatient and follow-up treatments due to an accident including minor/day surgery at a clinic or relevant hospital.

 For accident overseas, you must seek treatment within 7 days of returning to Singapore.

Note:

• First treatment must be sought within 30 days from date of accident.
• TCM Practitioners must be registered with the TCM Practitioners Board & possess a valid practicing certificate.
• Private physiotherapy treatments are not covered. 

• Act of god/convulsion of nature
• Automatic additions, deletions & promotions
• Disappearance including disappearance resulting from an act of god or convulsion of nature. (Limit: within 365 days)
• Comatose state benefit (50% of Accidental Death benefit as an additional pay out; refer to Table 1)
• Drowning, suffocation by smoke, poisonous fumes, gas
• Domestic and nursing assistance expenses (Limit: $1,000)
• Double indemnity for Accidental Death or Permanent and Total/Partial Disability whilst on a public conveyance or due to a natural catastrophe
• Exposure
• Food poisoning
• Hijack
• Murder and assault
• Motorcycling
• Strike, riots and civil commotion
• Terrorism including losses caused by terrorist attacks by nuclear, chemical and/or biological substances
• Trauma counselling, psychiatric and psychological treatment fees (Limit: $1,000)
• Injury, illness, disease or death resulting from complications or related to attacks by venomous or disease transmitting insects, reptiles, amphibians, sea creatures and animals
• Competitive Sports and Activities of Higher Risks
• “Infectious disease” under the Infectious Diseases Act 1976 due to and arising from exposure in the insured’s school premises or during any school-related activity, whether in Singapore or elsewhere
• Claims arising directly or indirectly or in consequence of invasion, act of foreign enemy, hostilities, acts of terrorism, civil war, civil unrest, civil commotion, strike, riot, rebellion, revolution, insurrection, mutiny, uprising, military coup or other usurpation of power, confiscation, detention, nationalization, requisition, martial law or state of siege or any events or causes which result in the proclamation or maintenance of martial law or state of siege
• Heat related injuries (heat stroke and heat exhaustion) 

Table 1: Comatose State Benefit Schedule