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Useful information on Personal Accident

Sapphire Enhanced

Be prepared for the unforeseen events in life.

SAPPHIRE ENHANCED is a Personal Accident Plan that gives you four different coverage options with optional benefits you can choose to add on! Make SAPPHIRE ENHANCED your choice.

4 Choices of Plan Options with up to S$500,000 Personal Accident Coverage

With 4 plans to choose from, you can pick the plan that best suits your needs. You don’t have to pay more than necessary to cover your and your family!

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Click here to download application form

Frequently Asked Questions (FAQ)

ELIGIBILITY  

  1. What is the eligible age for Sapphire Enhanced ? 
    Eligible ages are 16 to 65 years old. The policy is renewable to age 75.
  2.  Will the premiums increase with age? 
    No. The premiums will not increase with age.
  3. Can foreigners purchase Sapphire Enhanced? 
    Yes, as long as they have a permanent address in Singapore and have a valid employment pass, dependent’s pass, work permit (Class I and II).

APPLICATION  

  1. If I purchase plan 4 of the main plan, can I choose to have plan 2 of the comprehensive benefits?
    No. The comprehensive benefit level that you select must be the same as that of the basic benefits. You cannot choose a comprehensive plan that is different from that of the main plan.
  2. If the company wants to insure the employee and be the absolute owner of the policy, can this be done? 
    No. We can only issue the policy in the employee’s name.
  3. What forms do I need to submit for Sapphire Enhanced? 
    Only the application form is required for Sapphire Enhanced.
  4. Can I purchase more than 1 Sapphire Enhanced Plan? 
    We will not allow for a client to have more than 1 Sapphire Enhanced and/or Sapphire plan at any one time. In the event that the client has two Sapphire Enhanced plans and there exists a duplication of cover, we will only pay out for the plan with the higher benefits.
  5. If I frequently travel overseas for extended periods of time will I still be eligible for Sapphire Enhanced?
    • Yes, you may still purchase Sapphire Enhanced as it provides 24 hour worldwide coverage. 
    • However, if you are away from Singapore for more than 183 consecutive days and/or no longer maintain an address in Singapore, we require you to inform us of a change in country of residence. 

BENEFITS   

  1. How do I enjoy the free 10% coverage for my children? 
    You can enjoy the free 10% coverage for children if both parents’ sign up for the plan and both are least 16 to 65 years of age. The age for Dependent children is from 15 days to 18 years or 25 years if the dependent is a full time student in a recognized tertiary institution.
    • However, if you and your spouse are on different plans, your children will be covered for 10% of the sum insured for the lower plan.
  2. Are my children covered for 10% of all the benefits? 
    Your children will be covered for 10% of all the benefits with the exception of the weekly benefit for Temporary Total Disability.
  3. How does the Free Child Support Fund work? 
    If at the time of your accidental death you are survived by any dependent children, we will pay a lump sum benefit as stated in your policy schedule.
  4. If I have an individual application and my spouse is not enrolled in the plan, can I still claim for the Child support fund? 
    Yes you can. We do not require that both parents be insured to qualify for the Child Support Fund.
  5. Do I need a referral to claim under the Traditional Chinese Medicine Benefit? 
    No. You do not require a referral to see Chinese Physician for treatment.
  6. Does the amount that I can claim for Accident Medical Reimbursement reduce if I have also claimed under Traditional Chinese Medicine for the same accident? 
    No, the amount that you can claim under AMR does not reduce. TCM and AMR are two separate benefits.
  7. Are the specified limits for the Accident Medical Reimbursement benefit based on per accident or per policy year? 
    The limit that you can claim for the Accident Medical Reimbursement benefit is on a per accident basis. So, if you have two unrelated accidents in the same policy year you will be able to claim up to the specified limits for each accident.

DEFINITIONS, EXTENSIONS & EXCLUSIONS   

  1. How is "Accident" defined in Sapphire Enhanced?  
    Accident is defined in our policy as a sudden, unforeseen and fortuitous event that results in the insured person suffering death, disablement or injury. Unlike some other insurers, the results of the accident DOES NOT have to be violent, visible or external.
  2. Does Sapphire Enhanced cover hazardous sports? 
    Yes. Sapphire Enhanced covers hazardous sports such as SCUBA diving, rock climbing, skiing etc. as long as these activities are done on a leisure basis. The insured cannot be engaging in the sport in a professional capacity or where he could earn income or remuneration from engaging in the sport.
  3. Does Sapphire Enhanced cover terrorism?
    Yes. Sapphire Enhanced covers terrorism, INCLUDING biological, nuclear and chemical forms of terrorism.  
  4. Will Sapphire Enhanced cover me while I am on Reservist training? 
    Yes. The policy covers Peacetime Reservist training for a period not exceeding 40 days.
  5. Does Sapphire Enhanced cover insect bites? 
    Yes. Sapphire Enhanced will cover the insured in the event of accidental injury caused by insect bites.
  6. Does Sapphire Enhanced cover dengue fever? 
    Yes. Sapphire Enhanced will cover the insured for dengue fever.
  7. Does Sapphire Enhanced cover food poisoning? 
    Yes. Sapphire Enhanced will cover if the insured suffers from food poisoning
  8. As there are no health questions in the application what happens if I have an existing medical condition? 
    In the policy wordings for Sapphire Enhanced all pre-existing conditions and congenital defects are already excluded from the policy. Should an Accident or Injury arise that is attributable to the pre-existing condition there will be no cover under this policy.
  9. If, for example, I have been on the policy for 3 years and have accrued a no claim bonus of 10%, but have now made a claim. Will I lose all my No Claim Bonus that has been accumulated over the past years? 
    No. You will not lose your previously accumulated No Claim Bonus. You will still have your existing No Claim Bonus, but you will be ineligible for the 5% increase in the No Claim Bonus for that year.

ADMINISTRATION    

  1. If I have made significant claims during the policy year will I potentially be subjected to loading or have my policy declined renewal?  
    No. Sapphire Enhanced is underwritten on a portfolio basis and all policies will be automatically renewed. This means that your policy will definitely be renewed at the existing premium rate as long as we receive your premium payment.
  2. If both husband and wife have signed up for Sapphire Enhanced and one of them passes away, will the remaining party still be covered under the plan?
    • Yes. The remaining party will still enjoy coverage under the plan and the plan will not be cancelled.
    • In this instance, the children who were covered for 10% of the benefits, as both the husband and wife were under the plan, will still continue to enjoy the free 10% coverage.