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Personal Accident Insurance- Protect 150

Focus on your passion with Protect 150 personal accident insurance plan

Personal Accident Insurance - Protect 150

Protect 150 is a Personal Accident plan that gives you added protection with coverage of up to S$150,000 for an annual premium of just S$15. Plus, enrol with your spouse and enjoy a 5% premium discount, or with your spouse and child for a 10% premium discount1. With Protect 150, you can look forward to even more good times without worry.

Special Offer

  Individual Plan
Couple Plan
Family Plan*
Personal Accident Annual Premium*
S$15
Enjoy additional 5% discount (Couple plan cost S$28.50)
Enjoy additional 10% discount (Family plan cost S$40.50)

Special Offer

  Personal Accident Annual Premium*
Individual Plan
S$15
Couple Plan
Enjoy additional 5% discount (Couple plan cost S$28.50)
Family Plan*
Enjoy additional 10% discount (Family plan cost S$40.50)

Benefits

  • 24- hour Worldwide coverage2
  • Lump sum payment of S$150,000 to your estate in the event of an Accidental Death
  • Aggregate payment of S$150,000 in the event of a Permanent Disablement
Personal Accident Annual Premium by Plan
Personal Accident Annual Premium by Plan
Type of Insurance Individual Plan Couple Plan Family Plan1
Personal Accident Annual Premium1 S$15 Enjoy additional 5% discount (Couple plan cost S$28.50) Enjoy additional 10% discount (Family plan cost S$40.50)
Personal Accident Annual Premium by Plan
Personal Accident Annual Premium by Plan
Type of Insurance Personal Accident Annual Premium1
Individual Plan S$15
Couple Plan Enjoy additional 5% discount (Couple plan cost S$28.50)
Family Plan1 Enjoy additional 10% discount (Family plan cost S$40.50)

Coverage

The benefits provided under this Policy are:
  • Accidental Death: If the Insured Person, during the Period of Insurance, sustains bodily injury caused by an Accident which results in loss of life within 12 months from the date of Accident, we will pay the lump sum of S$150,000 to the estate of the Insured Person
  • Permanent Disablement: If the Insured Person, during the Period of Insurance, sustains bodily injury caused by an Accident which results in the Insured Person suffering Permanent Disablement within 12 months from the date of Accident, we will pay the Insured Person up to an aggregate of S$150,000
Permanent disablement
Permanent disablement and sum insured
Scale of Permanent Disablement % of Capital Sum Insured
Permanent Total Disablement 100%
Loss of two Limbs 100%
Loss of one Limb 75%
Loss of Sight of both eyes 100%
Loss of Sight of one eye 75%
Loss of one Limb and Loss of Sight of one eye 75%
Loss of Speech and Loss of Hearing 100%
Loss of four Fingers and thumb of Right hand 50%
Loss of four Fingers and thumb of Left hand 30%
Loss of four Fingers of Right hand 40%
Loss of four Fingers of Left hand 30%
Loss of one Thumb - Both phalanges 25%
Loss of one Thumb- One phalanx 15%
Loss of Fingers- Three phalanges 10%
Loss of Fingers- Two phalanges 7%
Loss of Fingers- One phalanx 3%
Loss of Toes- All the toes of one foot 15%
Loss of Toes- Two phalanges of the big toe 5%
Loss of Toes- One phalanx of the big toe or any other toe 2%
Permanent disablement
Permanent disablement and sum insured
Scale of Permanent Disablement Permanent Total Disablement
% of Capital Sum Insured 100%
Scale of Permanent Disablement Loss of two Limbs
% of Capital Sum Insured 100%
Scale of Permanent Disablement Loss of one Limb
% of Capital Sum Insured 75%
Scale of Permanent Disablement Loss of Sight of both eyes
% of Capital Sum Insured 100%
Scale of Permanent Disablement Loss of Sight of one eye
% of Capital Sum Insured 75%
Scale of Permanent Disablement Loss of one Limb and Loss of Sight of one eye
% of Capital Sum Insured 75%
Scale of Permanent Disablement Loss of Speech and Loss of Hearing
% of Capital Sum Insured 100%
Scale of Permanent Disablement Loss of four Fingers and thumb of Right hand
% of Capital Sum Insured 50%
Scale of Permanent Disablement Loss of four Fingers and thumb of Left hand
% of Capital Sum Insured 30%
Scale of Permanent Disablement Loss of four Fingers of Right hand
% of Capital Sum Insured 40%
Scale of Permanent Disablement Loss of four Fingers of Left hand
% of Capital Sum Insured 30%
Scale of Permanent Disablement Loss of one Thumb - Both phalanges
% of Capital Sum Insured 25%
Scale of Permanent Disablement Loss of one Thumb- One phalanx
% of Capital Sum Insured 15%
Scale of Permanent Disablement Loss of Fingers- Three phalanges
% of Capital Sum Insured 10%
Scale of Permanent Disablement Loss of Fingers- Two phalanges
% of Capital Sum Insured 7%
Scale of Permanent Disablement Loss of Fingers- One phalanx
% of Capital Sum Insured 3%
Scale of Permanent Disablement Loss of Toes- All the toes of one foot
% of Capital Sum Insured 15%
Scale of Permanent Disablement Loss of Toes- Two phalanges of the big toe
% of Capital Sum Insured 5%
Scale of Permanent Disablement Loss of Toes- One phalanx of the big toe or any other toe
% of Capital Sum Insured 2%

Special conditions

  • Any benefit payable under Accidental Death shall be reduced by any benefit already paid under Permanent Disablement and the total compensation payable shall not exceed 100% of the Capital Sum Insured of S$150,000 and We shall have no further liability under the Policy in respect of any Injury sustained thereafter;
  • If the Insured Person is left-handed, the compensation percentage in Items regarding loss of four fingers and thumb or loss of four fingers shall be reversed whereby the greater compensation percentage shall apply to the left hand and parts thereof.

Eligibility

  • Maximum entry age for adults: 65 years old
  • Child(ren) must be covered with at least one parent in the same Policy upon inception or renewal
  • Holds a valid Singapore identification document such as NRIC, employment pass, work permit, long term visit pass or student pass
  • Living in Singapore, or away from Singapore for no more than 182 days at any one time

Geographical scope of coverage

  • Worldwide
  • 24/7, 24 hrs, 7 days/week
  • Not exceeding 182 consecutive days whilst outside of Singapore

General Exclusions

  • War, declared or undeclared, revolution or warlike operations;
  • Engaging in naval, military or airforce service or operations except peacetime reservist training under Section 14 of the Enlistment Act, Cap.93 of the Republic of Singapore;
  • Any injury which arises in the course of the Insured Person's occupation if the Insured Person's occupation falls within the following categories or involves the following activities- Air crew, ship crew, diving, oil-rig platform and/or offshore work, police officers, fire fighters, workers on board vessels, stevedores; Use of heavy machinery/ woodworking related; welding, work at heigh (exceeding 30 feet above ground), underground, handling of hazardous chemicals or explosive materials; manual work in hazardous places (shipyard/dockyard/construction sit/airplane hangar/ oil refinery and the like);
  • Any unlawful act or willful exposure to danger, participation in any riot, murder, assault or felony;
  • Self-inflicted injuries, suicide or any attempts thereat, whilst sane or insane;
  • Pregnancy, childbirth, abortion, miscarriage and all complications arising from such conditions, except where such treatment is rendered necessary by Injury;
  • Intoxication by alcohol or drugs that are not prescribed by a qualified medical practitioner, unless it is not the fault of the Insured Person;
  • Engaging in racing on wheels;
  • Any physical disability which existed before the start of the policy.

General Conditions

Notice and Proof of Claim

Upon learning of a loss, or an occurrence which may lead to a loss under any of these insurance benefits, the Insured Person must notify AXA in writing within 30 days of the loss or as soon as is reasonably possible, but in all events must be provided no later than 90 days from the date of loss. Written notice given by or on behalf of the claimant or the beneficiary with information sufficient to identify the Insured Person shall be deemed notice of claim.

Due Diligence

The Insured Person shall do all things reasonable to avoid or diminish any loss protected by the Policy.

Change of Occupation

The Insured Person's full-time and/or part-time gainful employment and/or any other work for remuneration or profit which the Insured Person is fitted to do by knowledge and/or training.

Change in Country of Residence

It is a condition precedent to liability under this Policy that We must be informed in writing of any change in the Insured Person’s country of residence. A change in the country of residence will be deemed to mean the Insured Person living or intending to live in another country other than Singapore at the Effective Date of this Policy in excess of 182 consecutive days. We reserve the right to continue cover on prevailing terms and conditions or decline to continue cover under this Policy upon receipt of such information.

Free-look period

You may return the original policy document to us or your servicing distributor within the 14 days "Free Look" period if you decide to cancel the cover during the "Free Look" period. In such an event, you will receive a full refund of the premium paid to us provided that no claim has been made under the insurance.

The 14 days "Free Look" period begins from the day of receipt of the policy and it is not applicable to renewal.

Sanction Clause

Under no circumstances shall this insurance contract be deemed to provide cover and no liability be incurred to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose us to any sanction, prohibition, or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the EU, UK, USA or Singapore.

How to buy Personal Accident Plan- Protect 150

Buy Personal Accident Plan- Protect 150 online

Call us

Call on (65) 6880 4070 if you have any questions.

Email us

Email at banca_hsbc@axa.com.sg if you have any questions.

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