Always select the higher risk occupation class if your job falls between two classes. This ensures you remain fully covered and avoids issues during claims assessment.

Yes, if you change your mind after the policy is issued, please write to us within 14 days from the date of receipt of the policy. We will refund you in full subject to no claims made under the policy.

ECICS Personal Accident (Elderly) Insurance is specially designed for the elderly, offering benefits such as coverage for broken bones and burns, support for loss of daily living activities, and smart home modification assistance in the event of permanent total disablement.

Yes, the following occupations or activities are excluded: - Pilots, aircrew or any occupation involving aviation activities - Full-time military personnel - Police force personnel - Fire fighters - Construction / unskilled workers - Ship crew or workers on board vessels, oil and gas rig workers, offshore workers, stevedores, shipbreakers - Welding - Professional sports teams - Work involving height (exceeding 30 feet above ground or floor level) and/or works underground and/or travel beyond normal speed on land and/or handling of hazardous chemical / electricity - Use of Woodworking tools and machineries - Professional divers and jockeys - Crane Operators

Yes. You must notify us if there are any change in circumstances during the period of insurance affecting the risk such as changes in occupation or country of residence.