personal accident insurance policy NTUC Income

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					Policy Conditions
Personal Accident

       Your policy                                                  Things to remember

This is your personal accident insurance policy and it          -   You and the policyholder must reveal all facts you or
contains details of benefits, conditions and exclusions             the policyholder know or ought to know which may
relating to each insured person. The policy will form the           affect the insurance cover the policyholder is
basis on which we will settle all claims. It is only valid if       applying for. If not, your policy may not be valid.
you have paid the appropriate premium in full and we            -   We do not cover claims arising from sickness or
have issued you with a schedule.                                    pre-existing medical conditions.
                                                                -   We may refuse to pay your claim if you do not tell
Any statement, information or declaration the
                                                                    us that you have changed your occupation.
policyholder or you have given on behalf of the insured
people, including any declaration made over the phone,          -   You must not be an undischarged bankrupt and have
or by fax, email or the internet at the time of application,        not committed any act of bankruptcy within the last
will form the basis of the contract.                                12 months.

The schedule and any further endorsements are all part
of the policy.

Please keep this document in case you need to refer to
                                                                    Definitions
it.

                                                                Act of terrorism means an act (which may include using
                                                                or threatening force or violence) by any person or group,
                                                                committed for political, religious, ideological or similar
       Who is eligible?                                         purposes, with the aim of influencing any government or
                                                                to put the public, or any section of the public, in fear.
                                                                Robberies or other criminal acts mainly committed for
This policy is only available to you if you:                    personal gain and acts arising mainly as a result of
-      hold a valid Singapore identification document such      personal relationships will not be considered as an act of
       as a Singapore National Registration Identification      terrorism.
       Card (NRIC), Employment Pass, Work Permit, Long          Act of terrorism also includes any act which is confirmed
       Term Visit Pass or Student Pass;                         by the relevant government as an act of terrorism. Using
-      are living or working in Singapore, or away from         nuclear, chemical or biological substances or weapons as
       Singapore for no more than 180 days at any one           a means of force or violence will also be considered an
       time;                                                    act of terrorism.
-      are between 15 days old and 65 years old (we may
                                                                Accident or accidental means a sudden, unexpected
       continue cover for you up to 75 years old at a
                                                                event which happens during the period of insurance and
       reduced sum insured and we may apply new terms;
                                                                which must be the only cause of injury.
       depending on our decision and if you pay an extra
       premium); and
                                                                Age means your current age at the start date of the
-      have fully paid your premium.                            policy.

                                                                Assistance company means the company we have
                                                                appointed to provide you with various emergency
                                                                assistance services.




    PL/Personal Accident/201208                                                                                 Page 1 of 9
Chinese medicine practitioner means a legally licensed         Losing means permanent and total loss of use, or loss by
herbalist, acupuncturist or bone-setter who is registered      having part of the body (as listed in the scale of
and can practise within the scope of their licence under       compensation table) cut or torn off, as confirmed by our
the laws of the country. This cannot be you, your family       medical practitioner.
member, partner, business partner, employer, employee
or agent.                                                      Losing hearing means permanent and total loss of
                                                               hearing, as confirmed by our medical practitioner.
Chiropractor means a legally licensed practitioner in
chiropractic medicine who is registered and can practise       Losing a limb means permanent and total loss of, or loss
within the scope of their licence under the laws of the        of use of, a hand at or above the wrist or a foot at or
country. This cannot be you, your family member,               above the ankle. This must be confirmed by our medical
partner, business partner, employer, employee or agent.        practitioner.

Dental treatment means treatment necessary to restore          Losing sight means total and permanent loss of use of an
sound and natural teeth and which is made necessary            eye which means you are absolutely blind in that eye
due to an accident.                                            and which is beyond cure either by surgical or other
                                                               treatment. This must be confirmed by our medical
Endorsement means an authorised amendment to this              practitioner.
policy.
                                                               Losing speech means permanent and total loss of the
Family member means your husband or wife, children,            ability to speak and which is beyond cure either by
parents, brothers and sisters, parents-in-law,                 surgical or other treatment, as confirmed by our medical
brothers-in-law,     sisters-in-law,    grandparents,          practitioner.
grandparents-in-law, daughters-in-law, sons-in-law or
grandchildren.                                                 Medical practitioner means any person registered and
                                                               legally qualified as a doctor by a medical degree in
Hijack or hijacked means someone who takes, by force           western medicine and authorised by the medical
or threat of force or violence, a vehicle in which you are     licensing authority of that country to provide medical or
travelling.                                                    surgical service within the scope of their licence and
                                                               training. The medical practitioner should not be you,
Home country means any country of which you are a              your family member, partner, business partner,
citizen.                                                       employer, employee or agent.

Hospital means an establishment which is registered            Occupation means your full-time or part-time gainful
under the relevant national laws and regulations to care       employment or any other work for pay or profit as
for and treat sick and injured people as bed-paying            shown in the schedule.
patients and which:
-      has organised facilities for diagnosis, treatment and   Period of insurance means the period of cover as shown
       major surgery;                                          in the schedule.
-      provides nursing services by registered nurses 24
                                                               Permanently disabled or permanent disability means
       hours a day;
                                                               suffering from one of the items of disablement listed in
-      is under the supervision of one or more medical         the scale of compensation table in this policy, and which
       practitioners; and                                      was caused only by an accident, as long as:
-      is not mainly a clinic, a secure place to care for      -   the disability lasts for 12 months in a row from the
       alcoholics or drug addicts, a nursing or rest or            date of accident; and
       convalescent home or a home for the elderly or
                                                               -   our medical practitioner confirms that it is not going
       similar establishment.
                                                                   to improve after 12 months.
Injury means damage or harm caused to the body by an
                                                               Permanent total disability means total disability caused
external force suffered during the period of insurance
                                                               only by an accident that:
and which is caused only by an accident.
                                                               -   stops you from working in any job for a salary or
Insured person means the individual (or individuals)               wage or stops you from carrying out any business
named in the schedule as the person (or people) who is             whatsoever; and
insured under this policy.                                     -   lasts for 12 months in a row from the date of the
                                                                   accident; and
                                                               -   our medical practitioner confirms that it is not going
                                                                   to improve after 12 months.


    PL/Personal Accident/201208                                                                                Page 2 of 9
Policy means this document, including any information
provided or declaration made by the policyholder for
and on behalf of the insured person (or people), the                 What your policy covers
schedule and any endorsements we have issued under
this policy.
                                                             This policy will protect you financially when a death or
Policyholder means the person named and who has              injury happens during the period of insurance.
made a declaration on behalf of insured person and paid
the premium as shown in the schedule.                        The amount we will pay depends on the conditions and
                                                             maximum benefit limits of your plan as set out in the
Policy year means a period of 12 months from the start       schedule.
date as shown in the schedule and each further
consecutive period of 12 months for which the policy
applies from or for any period of cover as agreed            A Main benefits
between the policyholder and us.

Pre-existing medical condition means any injury or
                                                             Section 1 – Accidental death
sickness, including any complications which may arise:
                                                             If you are involved in an accident and due only to this
a      which you knew about before the start of your         accident you die within 12 months from the date of the
       policy;                                               accident, we will pay your legal personal representative
b      which you have received diagnosis, consultation,      up to the maximum limits as shown in section 1 of the
       medical treatment or prescribed drugs for within 12   schedule.
       months before the start of your policy; or
c      for which you have been asked to get medical          What we do not pay under section 1
       treatment or medical advice by a medical
       practitioner within 12 months before the start of     Besides the general exclusions listed in part 2 of the
       your policy.                                          general conditions, we will also not pay any claim
                                                             directly or indirectly caused by the following.
Public transport means any regularly scheduled aircraft,     1       A disability or death that is caused by sickness (for
bus, ferry, hovercraft, hydrofoil, ship, train, tram or              example, a heart attack or stroke) and not by an
underground train which has fixed and established                    injury.
routes and is operated by a licensed carrier or operator     2       Any physical disability which existed before the start
to transport fare-paying passengers. This does not                   of the policy.
include taxis and all other methods of transport that are
chartered or arranged as part of a tour even if they are
regularly scheduled.
                                                             Section 2 – Permanent disability
Sickness means worsening physical health not caused by
an accident, for which you need the treatment of a           If you are involved in an accident which causes you an
medical practitioner.                                        injury and due only to this accident you become
                                                             permanently disabled within 12 months from the date
Schedule means the document which proves that you            of the accident, we will pay you up to the maximum
have the insurance cover, listing among other things,        limits as shown in section 2 of the schedule using the
details of the insured person (or people), the               scale of compensation table as shown below.
policyholder, the benefits, the sum insured and the
period of insurance covered under this policy.               Scale of compensation
                                                              Item Description of disability               Percentage of
Temporary disability or temporarily disabled means an                                                     sum insured as
injury which directly disables and prevents you from                                                       shown under
taking part in any occupation temporarily and which is                                                    section 2 in the
the only cause of the disablement.                                                                           schedule
                                                                 a      Permanent total disability             100%
We, our, us, and NTUC Income means NTUC Income
Insurance Co-operative Limited.                                  b      Losing sight of both eyes              100%
                                                                 c      Losing two limbs                       100%
You, your and yours means the insured person (or
people) referred to in the schedule.                             d      Losing sight of one eye,               50%
                                                                        except perception of light
                                                                 e      Losing one limb                        50%

    PL/Personal Accident/201208                                                                                  Page 3 of 9
  f     Losing speech                        50%         We will reduce any compensation due for accidental
                                                         death by any payment which we have already made to
  g     Losing hearing in both ears          50%         you under the scale of compensation within the same
  h     Losing four fingers and thumb        50%         policy year.
        of one hand
                                                         We will not pay you extra compensation for any specific
  i     Losing four fingers of one hand      40%         item which is part of a greater item due under this
  j     Losing hearing in one ear            20%         policy. For example, we will pay you for losing your
                                                         upper limb, but we will not pay you again for losing
  k     Losing a thumb                                   your finger or thumb.
        - 2 phalanges                        25%
        - 1 phalanx                          10%         What we do not pay under section 2
  l     Losing one index finger
        - 3 phalanges                        15%         Besides the general exclusions listed in part 2 of the
        - 2 phalanges                        10%         general conditions, we will also not pay any claim
        - 1 phalanx                          5%          directly or indirectly caused by the following.
                                                         1   A disability or death that is caused by sickness (for
 m      Losing any one other finger                          example, a heart attack or stroke) and not by an
        - 3 phalanges                        10%             injury.
        - 2 phalanges                        7%
                                                         2   Any physical disability which existed before the start
        - 1 phalanx                          3%
                                                             of the policy.
  n     Losing metacarpals
        - first or second                     3%
        - third, fourth or fifth              2%         Section 3 – Medical expenses for injury
  o     Losing all toes of one foot          15%                     due to an accident
  p     Losing a great toe
        - 2 phalanges                         5%         a   If you suffer an injury and need to get medical
        - 1 phalanx                           3%             treatment, we will pay for the costs of medical,
                                                             surgical, hospital, dental treatment and nursing
  q     Losing any one other toe              3%             fees, recommended or asked for by a medical
                                                             practitioner for you to be treated, up to the limit
Third-degree burns
                                                             shown in the schedule or up to a period of 12
  r     Head - Damage as a                                   months from the date of the accident, whichever
        percentage of total body                             comes first.
        surface area
        - equal to or greater than 8%       100%         b   We will also pay for the reasonable and necessary
        - equal to or greater than 5%       75%              expenses for treatment by a Chinese medicine
          but less than 8%                                   practitioner or chiropractor, up to a sub-limit of 10%
        - equal to or greater than 2%        50%             of the section limit shown in the schedule or up to a
          but less than 5%                                   period of 12 months from the date of the accident,
                                                             whichever comes first.
  s     Body - Damage as a
        percentage of total body
                                                         The total we will pay under sections 3a and 3b will not
        surface area
                                                         be more than the limit shown in the schedule for each
        - equal to or greater than 20%      100%
                                                         policy year.
        - equal to or greater than 15%      75%
          but less than 20%
                                                         What we do not pay under section 3
        - equal to or greater than 10%       50%
          but less than 15%
                                                         Besides the general exclusions listed in part 2 of the
We will not pay you any compensation if the disability   general conditions, we will also not pay any claim
is not listed in the scale of compensation.              directly or indirectly caused by the following.
The total of all percentages of the sum insured due      1   Medical treatment for sickness (for example, a heart
under this section will not be more than 100% during         attack or a stroke) and not for an injury.
any one policy year.                                     2   Any physical disability which existed before the start
                                                             date of the policy.




PL/Personal Accident/201208                                                                              Page 4 of 9
B Optional benefits                                             Section 7 – Emergency medical evacuation
                                                                            and sending you home
Section 4 – Weekly cash
                                                                Emergency medical evacuation
If you suffer an injury and become temporarily disabled,
we will pay you a cash benefit as shown in the schedule         a   If you are in a life-threatening condition because of
for each full week of temporary disability as confirmed             an injury you suffered while outside Singapore and
by a medical practitioner, up to 104 weeks in a row.                our assistance company believes it is medically
                                                                    necessary to move you to the nearest medical
What we do not pay for under section 4                              facility for treatment (whether overseas or in
                                                                    Singapore), we will pay for the necessary expenses
Besides the general exclusions listed in part 2 of the              to move you. This applies to using an air ambulance,
general conditions, we will also not pay any claim                  surface ambulance, regular air transport, railroad,
directly or indirectly caused by the following.                     land or sea transport or any other appropriate
1      If your temporary disability lasts for less than seven       method to move you to the nearest medical facility
       days in a row.                                               for treatment.
2      If the date of your first medical consultation or
       treatment is more than seven days from the date of       b   If you need to return to Singapore for recuperation
       the accident.                                                or continued treatment after you have been moved
3      If you are unemployed at the time of the accident.           to a medical facility outside Singapore as in 7a
                                                                    above, we will also pay for the necessary expenses
                                                                    our assistance company spends when they use air
                                                                    ambulance, surface ambulance, regular air
Section 5 – Extra accidental death                                  transport, railroad, land or sea transport or any
            benefit for public transport                            other appropriate method to return you to
                                                                    Singapore. If we can use your existing return ticket
a      If there is an accident while you are on board public        to Singapore, we will only pay for the administrative
       transport as a fare-paying passenger, and this               fees charged by the airline or travel agent for
       accident is the only cause of your death within 12           changing your travel dates or destinations.
       months from the date of the accident, the extra
       accidental death benefit for public transport will       c   Our assistance company will make all decisions on
       apply.                                                       the most appropriate method of transport and the
                                                                    destination to move you to. The decision will be
b      We will pay your legal personal representative the           based only on the medical necessity and the severity
       extra amount shown in the schedule.                          of your medical condition.

What we do not pay under section 5
                                                                Sending you home
Besides the general exclusions listed in part 2 of the
general conditions, we will also not pay any claim              a   If you die after suffering an injury while outside
directly or indirectly caused by the following.                     Singapore, we will pay for the necessary expenses
1      A disability or death that is caused by sickness (for        our assistance company spends to return your body
       example, a heart attack or a stroke) and not by an           to Singapore or to your home country.
       injury.
2      Any physical disability which existed before the start   The total we will pay under section 7 will not be more
       date of the policy.                                      than the limit shown in the schedule for each policy
                                                                year.

Section 6 – Daily hospital income
If you are staying in a hospital as an inpatient due to an
accident, we will pay the benefit as shown in the
schedule for each complete 24-hour period that you stay
as an inpatient in the hospital, for up to 50 days in each
policy year. This benefit will end once you are
discharged from the hospital.




    PL/Personal Accident/201208                                                                                 Page 5 of 9
                                                                  f   Suffocation by smoke, poisonous fumes, gas or
   General conditions which                                           drowning
   apply to the whole policy                                          If you suffer an injury or die from accidentally
                                                                      breathing in smoke, poisonous fumes, gas or by
                                                                      drowning, we will pay up to the limit described
1 Benefit extensions                                                  in the relevant section as shown in the schedule.
                                                                      This extension is only valid if the event does not
   a     Act of terrorism cover                                       arise because of your deliberate act.
         If any of the losses covered under sections 1 to 7
         arises from or in relation to an act of terrorism,       g   Miscarriage due to an accident
         we will still cover the loss, up to the limit shown          If you suffer a miscarriage or if you die from the
         in the relevant section as shown in the schedule.            miscarriage caused by an accident, we will pay
         This extension is only valid if you did not take             up to the limit described in the relevant section
         part in the act of terrorism or make an                      as shown in the schedule. This extension is only
         agreement with other people to carry out the                 valid if the event does not arise because of your
         act.                                                         deliberate act.

   b     Riot, strike, civil commotion, hijack, murder
         and assault                                            2 General exclusions
         If you suffer an injury or die because of an
         accident during a riot, strike, civil commotion,         This policy does not cover claims directly or
         hijack, murder or assault, we will pay up to the         indirectly caused by or arising from:
         limit shown in the relevant section as shown in          a   you deliberately injuring yourself, committing
         the schedule. This extension is only valid if you            suicide or attempting suicide while sane or
         did not take part in any criminal act or make an             insane, your criminal act, provoked assault,
         agreement with other people to carry out these               deliberate acts or putting yourself in danger
         acts.                                                        (unless you are trying to save human life);
                                                                  b   the effect or influence of alcohol or drugs;
   c     Disappearance
                                                                  c   pregnancy, childbirth, abortion, miscarriage
         If your body is not found within 12 months after
                                                                      (except as provided in general condition – 1g
         the sinking, wrecking or destruction of the
                                                                      above) or all complications or death arising from
         public transport in which you are travelling
                                                                      these conditions;
         during the period of insurance, we will consider
         you to be dead and pay the appropriate death             d   mental problems or insanity;
         benefit shown in the schedule as described in            e   sexually     transmitted    infections,   human
         section 1.                                                   immunodeficiency virus (HIV) or any HIV-related
         The payment of the death benefit is made to                  illness including acquired immunity deficiency
         your legal personal representatives after they               syndrome (AIDS) or any mutant derivatives or
         have signed an undertaking to us to guarantee                variations of this however they are caused;
         that if you are subsequently found to be alive           f   medical or surgical procedure to treat your
         they will, when asked, return to us the sums                 sickness;
         that we have paid under this extension.                  g   cosmetic (aesthetic) or plastic surgery or
                                                                      treatment, or any treatment which relates to or
   d     Exposure                                                     is needed because of previous cosmetic
         If you suffer an injury or die because you were              treatment but, this exclusion does not apply to
         exposed to natural elements due to an accident,              reconstructive surgery if:
         we will pay up to the limit shown in the relevant            -   it is carried out to restore function or
         section in the schedule.                                         appearance after an accident;
                                                                      -   it is done at a medically appropriate stage
   e     Food poisoning
                                                                          after the accident; and
         If you suffer or die from food poisoning during
                                                                      -   the cost of the treatment is approved by us
         the period of insurance, we will pay up to the
                                                                          in writing before it is done;
         limit described in the relevant section as shown
         in the schedule. This extension is only valid if the     h   pre-existing medical conditions or physical
         event does not arise because of your deliberate              problems which existed before the start of your
         act.                                                         policy;
                                                                  i   you taking part in flying or other aerial activities
                                                                      except as a fare-paying passenger in a licensed
                                                                      passenger-carrying aircraft;
PL/Personal Accident/201208                                                                                     Page 6 of 9
   j     you taking part in any professional sports or in      4 Payment before cover warranty
         any sports for which you would or could earn or
         receive any form of pay;                                We (or our intermediary) must receive the full
   k     you taking part in any kind of speed contest or         premium due on or before the start date of the
         racing (other than on foot);                            insurance.
   l     an accident while you are driving or riding on a
         motor race track;                                       If we or the intermediary do not receive the
   m an accident while you are riding on a motorcycle            premium in full on or before the start date of
     (but not as a passenger); unless we have agreed             insurance, the policy will not be valid and we will
     in writing to provide this cover;                           not pay any benefits.
   n     you taking part in any dangerous activities or
         sports including caving, potholing, rock climbing
         (except on man-made walls) or mountaineering          5 Paying benefits
         which involves using ropes, any underwater
         activities involving underwater breathing               We will pay the benefits listed in this policy only if
         apparatus, sky diving, cliff diving, bungee             you have:
         jumping, BASE (building, antenna, span, earth)          a   met general condition 4; and
         jumping, paragliding, hang-gliding, parachuting,        b   given us satisfactory proof of the claim.
         white-water rafting, dragon boating, hunting,
         horse riding, polo, show jumping, mountain              We will pay all benefits shown in the schedule to
         biking unless we have otherwise agreed in               you unless:
         writing, but not including the following activities     a   you die as described in section 1 or section 5, in
         carried out for leisure purpose under the                   which case we will pay the benefits to your legal
         supervision of a licensed guide or instructor:              personal representative; or
         hot-air ballooning, ice or winter sports, hiking or
         trekking if done outside Singapore;                     b   you are evacuated as a result of a medical
                                                                     emergency or sent home as described in section
   o     the consequences of war, revolution or any                  7, in which case we will pay our assistance
         similar event;                                              company the expenses they pay in transporting
   p     radioactivity or damage from any nuclear fuel,              you.
         material or waste;
   q     you failing to take reasonable efforts to avoid         When we pay the benefits as described above, we
         injury or minimize claims under this policy; or         will have no further legal responsibility to you under
   r     any accident which arises in the course of your         this policy for the claim.
         occupation if it falls within the following
         categories or involves the following activities:
         professional divers, professional sportspeople,       6 Misrepresentation
         jockeys, marine salvage crew, oil riggers,
         stevedores, people directly involved in making          We will end this policy if the policyholder or you
         or handling explosives.                                 misrepresent or misdescribe any circumstance which
   If we refuse to pay a claim as a result of any of the         affects your health condition, occupation, country of
   exclusions listed above and you disagree with our             residence or pursuits or any information which may
   decision, you are responsible for proving that we are         affect our decision to accept your application.
   legally responsible for the claim. If any part of any
   exclusion is found to be invalid or we cannot enforce
   it, it will not affect the rest of the exclusions.          7 Changes in circumstance
                                                                 If there is any change in circumstances affecting
3 Cover                                                          your risk, you must give us immediate written notice
                                                                 and pay any extra premium that we may ask for. In
   This policy covers you while in Singapore and while           particular, you must tell us about any change in your
   outside Singapore for no more than 180 days in a              health condition, occupation or the country where
   row at a time from the date of departure from                 you are living in.
   Singapore. If you plan to stay longer than 180 days
   in a row outside Singapore, we may agree to extend
   the cover, depending on our decision and the extra
   premium.



PL/Personal Accident/201208                                                                                      Page 7 of 9
8 Fraud                                                      12 Claims conditions
   You must not act in a fraudulent way. We will take           a   You must tell us as soon as possible, and in any
   the action shown below if you, or anyone acting for              case within 30 days, about any accident which
   you:                                                             may give rise to a claim under this policy.
   a     make a claim under the policy knowing the              b   If you can recover all or part of the medical
         claim to be false or fraudulently exaggerated in           expenses from other sources, we will only pay
         any way;                                                   you the amount that you cannot recover.
   b     make a statement to support a claim knowing            c   We pay all claims in Singapore dollars. If you
         the statement to be false in any way;                      suffer a loss which is in a foreign currency, we
   c     send us a document to support a claim knowing              will convert the amount into Singapore dollars
         the document to be forged or false in any way;             at the exchange rate which we will decide on at
         or                                                         the date of the loss.
   d     make a claim for any loss or damage caused by
         your deliberate act or with your knowledge.
                                                             13 What you need to provide when you
   We may do the following.                                     send us your claim
   a     We will not pay the claim.
   b     We will not pay any other claim which has been         You or your legal representatives must supply all
         or will be made under the policy.                      information, reports, original invoices and receipts,
                                                                evidence, medical certificates, documents (such as
   c     We may declare the policy invalid.
                                                                translation of a foreign-language document into the
   d     We can recover from you the amount of any              English language), confirmed by oath if necessary,
         claim we have already paid under the policy.           we may need before we assess your claim. We may
   e     We will not refund your premium.                       refuse to refund any expense which you cannot
   f     We may not allow you to buy other policies             provide original receipts or invoices for.
         from us.
   g     We may report you to the police.
                                                             14 Free-Look period
                                                                We will give the policyholder 14 days from the time
9 Reasonable care
                                                                they receive this policy to decide whether to
                                                                continue with it. If they do not want to continue,
   You must take all reasonable precautions to avoid
                                                                they may write to us to cancel this policy and get a
   an injury and take all practical steps to minimize
                                                                full refund of the premium paid. We consider that
   claims.
                                                                this policy has been delivered (and received) seven
                                                                days after we post it.

10 Other insurance
                                                             15 Cancellation and refund
   If at the time of any incident which results in a claim
   under this policy you have another insurance
                                                                We can cancel the policy by providing seven days’
   covering the same loss, we will not pay more than
                                                                notice by post to the policyholder’s last-known
   our share.
                                                                address. We will consider that they have received
   (This does not apply to section 1 – accidental death,        this cancellation notice on the same day if we
   section 2 - permanent disability, section 4 – weekly         deliver the notice by hand, fax or email.
   cash, section 5 - extra accidental death benefit for
   public transport or section 6 – daily hospital
   income).


11 Taking over your rights
   We can take over any rights to defend or settle any
   claim and to take proceedings in your name to
   enforce your or our rights against any other person.



PL/Personal Accident/201208                                                                                 Page 8 of 9
   The policyholder may cancel this policy by telling us    19 Governing law
   and the cancellation will apply from the date we
   receive the notice of cancellation. For cancellation         Singapore law will apply to this policy.
   after 14 days from the date the policyholder
   receives the policy and as long as there has been no
   claim made under this policy, we will work out the
                                                            20 Feedback procedure
   refund premium as follows.
                                                                Making yourself heard
          Period of insurance                                   We are committed to providing you with an
        (in days) still left to run       85% of the            exceptional level of service and customer care.
                                    X
     divided by the original period     premium paid.
       of insurance of the policy                               We realise that things can go wrong and there may
                                                                be times when you feel that we have not provided
                                                                the service you expected. When this happens, we
   We will not refund any premium below $10                     want to hear about it so that we can try to put
   (depending on goods and services tax) if the                 things right.
   policyholder cancels the policy.
                                                                Please send your feedback to:
   We will refund all premium refunds to the                    sq@income.com.sg.
   policyholder as shown in the schedule.


16 Ending the insurance
                                                                Our promise to you
   The policy will end immediately when:
   a     we have paid 100% of the sum insured under
         section 1 or section 5;                            We will:
   b     you no longer satisfy any of the eligibility       •   acknowledge your complaint promptly;
         requirements set unless we have agreed in          •   investigate quickly and thoroughly;
         writing to provide cover; or                       •   keep you informed of our progress; and
   c     the policy has ended. We do not have to renew      •   do everything possible to deal with your complaint.
         your policy.
                                                            If you are not satisfied with our final decision on your
                                                            claim, you may refer your case to Financial Industry
17 Excluding third-party rights                             Disputes Resolution Centre Ltd (FIDReC), an independent
                                                            and impartial institution specialising in dealing with
   A person or company who is not covered by this           disputes between financial institutions and consumers.
   policy has no right under the Contracts (Rights of       Their website address is www.fidrec.com.sg.
   Third Parties) Act (Chapter 53B) to enforce this
   policy.


18 Currency and interest
   All dollar amounts shown in the policy and schedule
   are in Singapore dollars (S$). We will not add
   interest to any amount we pay under this policy.




 Policy Owners’ Protection Scheme
 This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore
 Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from
 you. For more information on the types of benefits that are covered under the scheme as well as the limits of
 coverage, where applicable, please contact NTUC Income or visit the GIA / LIA or SDIC websites (www.gia.org.sg or
 www.lia.org.sg or www.sdic.org.sg).


PL/Personal Accident/201208                                                                                Page 9 of 9

				
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