guide to personal accident insurance claims

Important Note
  1. You must inform us as soon as possible and no later than 30 days after an incident which may result in a claim under this policy.

  2. The policy contract defines what an Accident is.

  3. The information featured in this website is published for general information only. The precise terms and conditions of the insurance are specified in the policy


You can claim for Medical Expenses – including treatment such as physiotherapy, acupuncture, bone setting, and chiropractic therapy – that results from an Accident while you are in Singapore or Overseas.

To claim, you’ll need these documents:

  • Medical bill(s)
  • Medical report or inpatient discharge summary
  • Flight itinerary or boarding pass (only applies to outpatient/hospital admissions made overseas)

You can claim Daily Hospital Income if you are hospitalised for at least three days, or Weekly Income if your accident causes you to be temporarily disabled for more than one week.

To claim, you’ll need these documents:

  • Medical report or inpatient discharge summary
  • Medical certificate(s) (only applies for Weekly Income)
  • Flight itinerary or boarding pass (only applies to overseas hospital admission)

If you become Permanently Disabled or Die because of an Accident while you are in Singapore or overseas, you or your legal estate can claim under this benefit.

Please call us at +65-6820-8888 and let us guide you through the claims process.


other claims

You can claim under Mobility and Prosthesis Aids if a Medical Practitioner has prescribed the relevant aid or prosthesis as a result of your Accident.

 

 

To claim, you’ll need these documents:

  • Receipt(s) for the mobility and prosthesis aids
  • Doctor’s memo

You can claim under Ambulance Fee if your accident makes it necessary for you to take an ambulance to the hospital. This applies if you need to take an ambulance right after your accident happens, or if you need to take an ambulance for medical follow-up related to your accident.

 

 

To claim, you’ll need this document:

  • Ambulance fee receipt

You can claim under Damage of Personal Electronic Device(s) if your electronic device(s) was damaged beyond repair because of your accident (that led to your hospitalisation).

 

 

To claim, you’ll need these documents:

  • Photographs of damaged electronic device(s)
  • Invoice of the damaged electronic device(s)
  • Inpatient discharge summary
  • Flight itinerary or boarding pass (only applies to overseas cases)

If the accident you experience leads to your hospitalisation (for at least three continuous days), you can claim under this benefit for the daily maximum as shown in your Personal Accident Summary.

 

 

To claim, you’ll need these documents:

  • Taxi receipt(s)
  • Inpatient discharge summary

If the Accident you experience leads to your mobility being affected, and a Medical Practitioner prescribes these home modifications, you can claim under this benefit for the daily maximum as shown in the Table of Benefits.

 

 

To claim, you’ll need these documents:

  • Quotation for the home modification *
  • Medical report
  • Doctor’s memo

*We must first approve any home modifications before they can be made.

You can claim under this benefit if the ticketed event you want to attend is cancelled by the organiser because of haze. You can claim for the ticket cost personally paid by you for yourself or for other insured members up to the sum insured limit per event.

 

 

To claim, you’ll need these documents:

  • Event receipt(s)
  • Cancellation Notice/media’s announcement

If you are overseas, we will reimburse phone charges to call our Emergency Assistance, police, medical facilities, consulates, or your family members in Singapore during any life-threatening condition or emergency up to the relevant limit stated in your Personal Accident Insurance Summary.

 

 

To claim, you’ll need this document:

  • Copies of official receipts or invoices

If an Accident causes an insured person’s death, we will pay the Funeral Grant within 24 hours. This applies if the insured person’s next-of-kin or legal estate provides us with the death certificate in order to claim this benefit.
Please call us at +65-6820-8888 and let us guide you through the claims process.

You can claim for Personal Liability if you are held legally responsible for accidentally injuring another person or damaging or causing loss to another person’s property.

 

 

To claim, you’ll need these documents:

  • Police and/or incident report (Local/Overseas)
  • Third party Correspondence (including Letter of Demand and Court Letter, both in Singapore and overseas)

You can claim for Medical Expenses – including treatment such as physiotherapy, acupuncture, bone setting, and chiropractic therapy – that results from an Accident while you are in Singapore or Overseas.

To claim, you’ll need these documents:

  • Medical bill(s)
  • Medical report or inpatient discharge summary
  • Flight itinerary or boarding pass (only applies to outpatient/hospital admissions made overseas)

You can claim Daily Hospital Income if you are hospitalised for at least three days, or Weekly Income if your accident causes you to be temporarily disabled for more than one week.

To claim, you’ll need these documents:

  • Medical report or inpatient discharge summary
  • Medical certificate(s) (only applies for Weekly Income)
  • Flight itinerary or boarding pass (only applies to overseas hospital admission)

If you become Permanently Disabled or Die because of an Accident while you are in Singapore or overseas, you or your legal estate can claim under this benefit.

Please call us at +65-6820-8888 and let us guide you through the claims process.

other claims

You can claim under Mobility and Prosthesis Aids if a Medical Practitioner has prescribed the relevant aid or prosthesis as a result of your Accident.

 

 

To claim, you’ll need these documents:

  • Receipt(s) for the mobility and prosthesis aids
  • Doctor’s memo

You can claim under Ambulance Fee if your accident makes it necessary for you to take an ambulance to the hospital. This applies if you need to take an ambulance right after your accident happens, or if you need to take an ambulance for medical follow-up related to your accident.

 

 

To claim, you’ll need this document:

  • Ambulance fee receipt

You can claim under Damage of Personal Electronic Device(s) if your electronic device(s) was damaged beyond repair because of your accident (that led to your hospitalisation).

 

 

To claim, you’ll need these documents:

  • Photographs of damaged electronic device(s)
  • Invoice of the damaged electronic device(s)
  • Inpatient discharge summary
  • Flight itinerary or boarding pass (only applies to overseas cases)

If the accident you experience leads to your hospitalisation (for at least three continuous days), you can claim under this benefit for the daily maximum as shown in your Personal Accident Summary.

 

 

To claim, you’ll need these documents:

  • Taxi receipt(s)
  • Inpatient discharge summary

If the Accident you experience leads to your mobility being affected, and a Medical Practitioner prescribes these home modifications, you can claim under this benefit for the daily maximum as shown in the Table of Benefits.

 

 

To claim, you’ll need these documents:

  • Quotation for the home modification *
  • Medical report
  • Doctor’s memo

*We must first approve any home modifications before they can be made.

You can claim under this benefit if the ticketed event you want to attend is cancelled by the organiser because of haze. You can claim for the ticket cost personally paid by you for yourself or for other insured members up to the sum insured limit per event.

 

 

To claim, you’ll need these documents:

  • Event receipt(s)
  • Cancellation Notice/media’s announcement

If you are overseas, we will reimburse phone charges to call our Emergency Assistance, police, medical facilities, consulates, or your family members in Singapore during any life-threatening condition or emergency up to the relevant limit stated in your Personal Accident Insurance Summary.

 

 

To claim, you’ll need this document:

  • Copies of official receipts or invoices

If an Accident causes an insured person’s death, we will pay the Funeral Grant within 24 hours. This applies if the insured person’s next-of-kin or legal estate provides us with the death certificate in order to claim this benefit.
Please call us at +65-6820-8888 and let us guide you through the claims process.

You can claim for Personal Liability if you are held legally responsible for accidentally injuring another person or damaging or causing loss to another person’s property.

 

 

To claim, you’ll need these documents:

  • Police and/or incident report (Local/Overseas)
  • Third party Correspondence (including Letter of Demand and Court Letter, both in Singapore and overseas)

Claim online now

personal accident claim faq’s