ePROTECT safety

Etiqa-Personal Accident Insurance-ePROTECT safety

ePROTECT safety

Personal accident insurance that is thoughtfully and carefully planned for your protection.

  • Features

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    A yearly renewal personal accident insurance plan – ePROTECT safety gives you comprehensive financial protection in times of needs. The policy includes accidental death and accidental permanent disablement cover, a lump sum bereavement grant, as well as hospitalisation allowance. With our No Claim Bonus, for every year where no claims have been made, your sum insured increases the next year – to give you higher coverage and greater peace of mind.

    Protection for Accidental Death and Accidental Permanent Disability

    This personal accident insurance policy pays a lump sum benefit of up to $500,000 in the event of death or permanent disability due to accident.

    Protection from 22 infectious diseases

    The personal accident insurance policy provides comprehensive coverage for infectious diseases which is paid under the inpatient medical expenses. The covered diseases include Hand, Foot and Mouth Disease, dengue fever, food poisoning, and the most recent global threat Zika virus.

    Choose your preferred medical treatment

    We will give you the freedom to choose either Western Medicine or Traditional Chinese Medicine, and we will reimburse your expenses.

    Resume normal life with facial reconstruction surgery

    ePROTECT safety will reimburse the cost of facial reconstructive surgery, skin grafting due to burns and dental treatment, so you can regain your health and your confidence.

    No Claim Bonus

    As an added benefit for not making any claims on the personal accident insurance policy, you will receive a No Claim Bonus. This means that your sum insured will increase by 2% upon each annual renewal, up to a maximum of 5 years.

    Renovate the home or office

    If you are injured and in need to modify your home or workplace such as installing ramps or railings, we will reimburse the cost up to the limits specified in the Schedule of Benefits of the plan. On top of this, with the Mobility Expense Reimbursement benefit, we will reimburse the cost of a wheelchair the plan will cover the cost of a wheelchair or crutches if needed.

    Round-the-clock worldwide coverage

    ePROTECT safety offers comprehensive protection whether you are at home, at work, in school or while traveling overseas. Feel protected 24 hours a day, 365 days a year with our personal accident insurance.

    Benefits
    Silver Gold  Platinum 
    Accidental Death $100,000 $300,000 $500,000
    Permanent Disablement due to Accident
    a) Permanent Total Paralysis or complete insanity or injuries resulting in being permanently bedridden $100,000 $300,000 $500,000
    b) Permanent Total Loss of sight of both eyes or use of both hands or both feet or combination thereof $100,000 $300,000 $500,000
    c) Permanent Total Loss of speech $100,000 $300,000 $500,000
    d) Permanent Total Loss of hearing in both ears $100,000 $300,000 $500,000
    e) Permanent Total Loss of sight of one eye or use of one limb $50,000 $150,000 $250,000
    f) Permanent Total Loss of hearing in one ear $20,000 $60,000 $100,000
    g) Permanent Total Loss of use of a shoulder, elbow, hip, knee, ankle or wrist $15,000 $45,000 $75,000
    h) Permanent Total Loss of use or loss by amputation of:
    i) One Thumb $15,000 $45,000 $75,000
    ii) One forefinger $10,000 $30,000 $50,000
    iii) Any other finger or one big toe $5,000 $15,000 $25,000
    iv) Any other toe $2,000 $6,000 $10,000
    Medical Expense Reimbursement $2,000 $3,000 $4,000
    a) Outpatient Medical Expenses (Sub-limit for TCM: up to $150 per visit and $1,000 per Accident)
    b) Inpatient Medical Expenses due to bodily injury
    c) Inpatient Medical Expenses (Sub-limit for Hospitalisation due to Infectious Disease) $1,000 $1,500 $2,000
    Hospitalisation Allowance as a result of accidental injury
    Hospitalisation Allowance (up to 180 days) $50 per day $100 per day $200 per day
    Facial Reconstruction Surgery $1,000 $2,000 $5,000
    Bereavement Grant as a result of Accidental Death $3,000 $3,000 $3,000
    Mobility Expense Reimbursement $1,000 $2,000 $3,000
    Ambulance Fees $200 $200 $200
    Home/Office Modification Reimbursement $1,000 $2,000 $5,000
    Premiums
    Plan Annual Premium includes 7% GST
    Silver Gold Platinum
    Per Insured Adult (age 17 – 65) Class 1 & 2 $150 $320 $590
    Per Insured Adult Class 3 $280 $600 N/A
    Per Insured Child (age 1 – 16) $30 $64 $118

    The policy is renewable yearly up to age 75.

    Children (age 1 – 16) are covered for 20% of parent’s coverage. There is no limit to the number of children who can be insured. You can add child cover at any time.

    • Class 1 – Professionals and Persons who engage in executive, administrative or clerical duties
    • Class 2 – Persons who engage in skilled or semi-skilled work and not exposed to hazardous conditions
    • Class 3 – Persons who engage in manual work which is not particularly hazardous in nature but involve the use of tools or machinery
    Downloads

This product is covered under PPF Scheme.

Important Notes:

This content is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract.

Information is correct as at 15 June 2016.