TMPal is a comprehensive Personal Accident insurance package which provides additional benefits over our standard personal Accident policy at very competitive premiums, to offer you and your family even greater security to face life's uncertainties.
TMPal insures you (and your family) for death or injuries due to accident and pays the benefits shown in the Table of Benefits
Table of Benefits |
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Results |
Sum Insured/Limits of Cover |
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Plan A |
Plan B |
Plan C |
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| 1. | Accidental death*/ Permanent disability* |
$100,000 | $200,000 | $300,000 |
| 2. | Temporary total disability | $100 per week |
$200 per week |
$300 per week |
| 3. | Temporary partial disability | $50 per week |
$100 per week |
$150 per week |
| 4. | Medical expenses* (with Chinese physician medical expenses sub-limit) (Per period of insurance) | $2,000 ($100) |
$3,000 ($200) |
$5,000 ($300) |
| 5. | Hospital cash (up to 50 days per accident) | $100 per day |
$200 per day |
$300 per day |
| 6. | Bereavement relief | $1,000 | $2,000 | $3,000 |
| 7. | Mobility aid(per policy period) | $2,000 | $2,000 | $2,000 |
| Notes * including additional features or benefits as follows: |
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| § | Double indemnity applies if accident occurs whilst travelling as a fare paying passenger in public conveyance (However, double indemnity shall not apply to medical expenses for treatment by a Chinese physician). | |||
| § | Limited war and terrorism cover. | |||
| § | Automatic increase in the sum insured of 5% on the original sum insured at each yearly renewals provided there is no claim under the expiring policy and subject to a cumulative increase of up to 25% of the original sum insured. | |||
Scale of Benefits |
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Disabilities |
Percentage of Sum |
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| § | Death or permanent total disability | 100% |
| § | Loss of one or more limbs | 100% |
| § | Loss of sight in one or both eyes | 100% |
| § | Loss of lens of one eye | 50% |
| § | Loss of hearing in both ears | 75% |
| § | Loss of hearing in one ear | 15% |
| § | Loss of speech | 50% |
| § | Loss of four fingers and thumb of one hand | 50% |
| § | Loss of four fingers of one hand | 40% |
| § | Loss of thumb (both phalanges) | 25% |
| § | Loss of thumb (one phalanx) | 10% |
| § | Loss of index finger (three phalanges) | 15% |
| § | Loss of index finger (two phalanges) | 8% |
| § | Loss of index finger (one phalanx) | 4% |
| § | Loss of middle finger (three phalanges) | 10% |
| § | Loss of middle finger (two phalanges) | 4% |
| § | Loss of middle finger (one phalanx) | 2% |
| § | Loss of ring finger (three phalanges) | 8% |
| § | Loss of ring finger (two phalanges) | 4% |
| § | Loss of ring finger (one phalanx) | 2% |
| § | Loss of little finger (three phalanges) | 7% |
| § | Loss of little finger (two phalanges) | 3% |
| § | Loss of little finger (one phalanx) | 2% |
| § | Loss of all toes of one foot | 17% |
| § | Loss of great toe (two phalanges) | 5% |
| § | Loss of great toe (one phalanx) | 2% |
| § | Loss of other toe (one or more phalanges) | 3% |
| Notes | ||
| § | Where permanent disability is not indicated in the Scale of Benefits above (other than loss of sense of taste or smell for which no benefit is payable), we will adopt a percentage of disability based on the assessment by our appointed doctor that is consistent with the Scale of Benefits above and without regard to your occupation. | |
| § | If an injury or a disability forms part of another injury or disability, the highest of either benefits will be payable and the total benefits payable under the policy will not exceed the sum insured. | |
TMPal covers the following events:
Death or injury as a result of the following are not covered by TMPal:
To make a claim under the policy, you:
Even after you have decided to insure with us, you may cancel your policy at any time within 14 days from your receipt of the policy provided no claim has been made thereunder. When you cancel the policy, we will refund you any premium you have paid for the insurance..
If you and the persons to be insured are a Singapore citizen, Singapore permanent resident or work permit or employment pass holders residing in Singapore and are between the age of 18 and 65 on the next birthday you are eligible to apply for TMPal. However, if the persons to be insured fall within the list of special risks, we may decline the insurance application or accept the application on certain additional conditions and at non-standard premium rates.
The policy issued is for a period of one year and is subject to annual review. Unless otherwise informed, the policy can be renewed until the insured person reaches the age of 75 years old.
The level of premium you pay depends on the Plan you select and the occupational class that best describes your employment duties, viz.
Occupation that is indoor and sedentary in nature. E.g. white-collar worker performing office or showroom duties, accountants, lawyers, office executives, secretaries, clerks, etc.
Occupation that requires occasional manual work (skilled or semi-skilled). E.g. outdoor sales executives, factory supervisors, surveyor, etc.
Occupation that substantially involves manual work. E.g. carpenters, cooks, chefs, plumbers, mechanics, electricians, machinists, drivers, etc.
Annual Premium |
Plan A |
Plan B |
Plan C |
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| Class I occupation | $120 | $240 | $370 | |
| Class II occupation | $160 | $350 | $500 | |
| Class III occupation | $220 | $430 | $660 | |
| § | Premium shown above is further subject to Goods and Services Tax ("GST") | |||
| § | Premium rates are non-guaranteed, i.e. at our sole discretion, we may amend the premium rates from time to time | |||
Aircrew, shipcrew, stuntman, actor (actress), occupation involving the handling of firearms, explosives or hazardous chemicals, diver, occupation involving underground works, professional sportsman (sportswoman), construction worker, occupation involving works at heights, jockey, stevedores, occupation involving works on board vessels or oil rigs, policeman, military personnel.
We offer family discounts if you insure with your spouse and/or children. Please contact us or the intermediary who services you for further details
We support the general insurance code of practice developed by the General Insurance Association of Singapore (GIA) to enhance the standards of service in the insurance industry. You can obtain more information on the code of practice and how it benefits you by contacting us at 6221 6111. You can also obtain details about the code of practice from our website at www.tokiomarine.com.sg.
IMPORTANT
This brochure is not an insurance policy. The covers and terms described herein are summaries. The detailed terms of the insurance are contained in the policy which will be issued to you upon acceptance of your application. A copy of the specimen policy can, however, be made available to you upon request.