EQ Personal Accident
Provides financial protection to your family and loved ones when an accident occurs unexpectedly
Overview
Accidental Death / Permanent Disablement
We pay up to the insured amount in the event of accidental death or permanent disablement.
Temporary Total / Partial Disablement
Pays a weekly income in the event of temporary disablement up to 104 weeks for those who are gainfully employed.
Accidental Medical Expenses
Reimburses the medical expenses incurred following an accident up to the specified insured amount.
Key benefits
Worldwide, 24-hour protection
We provide 24-hour coverage and at anywhere in the world, rest assured that you and your family’s needs are provided for should the worst happens.
Renewal of policy
The policy is eligible to be renewed up to the age of 75 years old.
Goodwill Added Extensions
Added Extensions including food poisoning; insect and animal bites; treatment by licensed Chinese physicians (up to $200 per accident); suffocation by smoke, gas, poisonous fumes and drowning; terrorism (excluding the use of nuclear, chemical and or biological substances); murder and assault; kidnapping and hijacking; strike, riot and civil commotion, disappearance; exposure; motorcycling and peace-time reservist training.
Will my Personal Accident policy cover me, if I am stationed overseas for a period of time?
The Personal Accident policy will cover you up to 90 consecutive days overseas, at a time. If you intend to stay any longer, we may agree to extend, subject to underwriting and additional premium.
Can I take up policy myself if I am serving National Service?
You will not be able to take up the policy as it excludes occupations in the Army, Navy, Air Force, Police Force and Civil Defence Force (other than as a Serviceman under National Service Reservist Training).
If I have a personal accident policy with another insurer, can I take up another with EQ Insurance? Will both policies pay for claims?
Yes, subject to our acceptance. In the event of a claim for medical expenses, we will only reimburse for the amount that have not been reimbursed under any other policy.
Are renewal premiums guaranteed?
Renewal premiums are not guaranteed.
Can a person claim for medical expenses due to illness?
You will not be able to claim for medial expenses due to illness as the policy pays only for death and/or total and permanent disablement due to accident.
Do you have any administrative charges if I choose to cancel my policy?
Yes, we charge or refund the premium as follows subject to a minimum premium of S$50 + GST.
| Period of Cover | Short-Period Premium Refundable |
| 3 months and below | 40% of annual Premium |
| 6 months and below | 60% of annual Premium |
| 9 months and below | 80% of annual Premium |
| More than 9 months | 100% of annual Premium |
No refund premium will be granted for any unexpired Period of Insurance if any claim(s) has been made during the current Period of Insurance.
We have the right to cancel this Policy or any section or part of it by giving You 30 days’ written notice and upon cancellation, You will be granted a pro-rated refund of the total premium paid corresponding to the unexpired Period of Insurance.
How to apply
Send us a message
Email us or use our online Feedback form.
Call or visit us
For enquiries, please call us at 6223 9433 or visit us at 5 Maxwell Road #17-00 Tower Block MND Complex Singapore 069110.
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