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.

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, 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.

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