ECICS Personal Accident (Junior) Insurance is specially designed for juniors, offering benefits such as up to 365 days of daily hospitalisation allowance, private tutor expenses and a lump sum education fund in the event of accidental death of the Policyholder or Policyholder's Spouse.

The Insured Person must be: - the natural child, legal step-child, legally adopted child or ward of the Policyholder; and - age above 1 month old and under 21 years as at the time of the application for the Policy if the Insured Person was not enrolled in a tertiary institution as at that time. If the Insured Person was enrolled in a tertiary institution as at the time of the application for the Policy, he or she must be of an Age under 25 years as at that time; and - unmarried as at the time of the application for the Policy and remains unmarried throughout the Period of Insurance.

The premium is determined by the plan you choose, not by your age.

ECICS Personal Accident (Senior) Insurance is specially designed for seniors, 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.

The Insured Person must be: - a resident of Singapore who is permanently residing in Singapore; and - between 40 and 75 years old (both inclusive) at the time of application.

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.

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.

Climbing, mountaineering, racing or motor rallies, speed testing, speed contest, underwater activities involving the use of underwater breathing apparatus (including but not limited to diving), martial arts, parachuting and other extreme sports which involve one of the following elements of speed, height, a high level of physical exertion or specialized gear are not covered.

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

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, our premiums are dependent on the Insured Person's occupation class. Class 1: Professionals/persons engaged in indoor & non-manual work in non-hazardous places. Examples: Accountant, Banker/Finance Officer, Lawyer, IT Professional, Teacher. Class 2: Professionals/persons engaged in work of an outdoor or supervisory nature or involved occasionally in manual work whose duties do not involve the use of tools or machinery or exposure to any special hazard. Examples: Property Agent, Sales Executive, Nurse, Chef, Physiotherapist. Class 3: Professionals/persons engaged in manual work, involving the use of tools or machinery but not of a particularly hazardous nature. Examples: Electrician, Car Mechanic, Commercial Driver, Gardener, Painter.

The natural child, legal step-child, legally adopted child or ward of the Policyholder who is age above one (1) month old and under twenty-one (21) years as at the time of the application for the Policy if the Insured Person was not enrolled in a tertiary institution as at that time. If the Insured Person was enrolled in a tertiary institution as at the time of the application for the Policy, he or she must be of an Age under twenty-five (25) years as at that time. The Insured Person must be unmarried as at the time of the application for the Policy and remains unmarried throughout the Period of Insurance.

Yes, we have plans catered for the insured, insured and spouse or insured and family.

No, you do not need to go for a medical checkup but you will need to declare that you are in good health and free from physical or mental defect or infirmity or disease.

No, all pre-existing conditions are not covered.

The Insured Person must be: - a resident of Singapore who is permanently residing in Singapore; and - between 18 and 65 years old (both inclusive) at the time of application.

Yes. The policy covers outpatient medical expenses (including TCM and Chiropractor treatments) incurred up to your plan limit for injuries due to an accident.

It depends on the level of protection you want. Health insurance usually covers inpatient medical expenses for illnesses and injuries. Personal Accident insurance provides additional coverage for death or injury due to accident and includes outpatient medical expenses.