The deductible helps to prevent frequent claims and encourages responsible use of the policy. It also keeps the overall premium more affordable for all policyholders.

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The deductible is the amount payable by you for each and every claim made against the policy.

No. You’re eligible as long as you have a valid insurance policy issued by a Singapore-licensed insurer.

In the event of any loss or damage, your insurer for your primary insurance policy must have paid out a claim amount higher than your policy excess in order to seek reimbursement on the excess from your ECICS Non-Motor Excess Protector Insurance Policy. If the claim amount paid out is lower than your policy excess, you will not be able to seek reimbursement from your ECICS Non-Motor Excess Protector Insurance Policy.