We’re More Than Just an Insurer—We’re Your Neighbour Through Life’s What-Ifs.
Yes. The policy covers outpatient medical expenses (including TCM and Chiropractor treatments) incurred up to your plan limit for injuries due to an accident.
The Foreign Worker Bond will only be discharged if: - the work permit is cancelled; and - the worker has returned home; and - you did not breach any of the conditions of the Foreign Worker Bond.
The Insured Person must be: - a resident of Singapore who is permanently residing in Singapore; and - between 40 and 75 years old (both inclusive) at the time of application.
We have 5 standard plans tailor-made for different industries: Office, Retail, Service, F&B and Light Industrial.
We get it – plans can change. If you are replacing your FDW after purchasing the policy:a. Prior to policy effective date, you may provide us with the new FDW details. We will make the necessary changes on the policy replacement. The promo can be re-applied to the replacement policy but please note that the promo can only be re-applied on a replacement policy once if the original policy has not started. b. If the policy has started and you need to replace your FDW, you have 90 days from policy effective date to cancel and a further 90 days to issue a replacement policy. You will get 100% refund for the original policy but unfortunately, the promo cannot be re-applied to the replacement policy. If you no longer require an FDW, you may get a 100% refund if you cancel before the policy incepts. Please take note that all cancellation date shall be based on the security bond discharge date from MOM and not the work permit cancellation date.
Yes, we offer it as an optional add-on that covers outpatient medical expenses for illness that does not require hospitalisation. This benefit can cover up to $60 per visit, helping to ensure your FDW’s health needs are taken care of without added financial strain.
Yes, you can. We offer Waiver of Counter Indemnity as an optional add-on. With this, your liability on the $5,000 Security Bond is capped at $250, and the insurer covers the rest if the bond conditions are breached. However, this does not apply to any breach of bond conditions due to your negligence or fault.
Certain amendments (e.g., typo error in name or passport number or change in effective date) can be made before the policy effective date. However, a re-transmission to MOM may be required depending on the type of amendment.
• Outpatient Medical Expenses (For Accident) cover medical bills for outpatient treatments that arise solely from Accident. For example, your FDW accidentally scalds her hand while cooking and requires dressing for the burn.• Hospital & Surgical Expenses cover inpatient medical bills for treatments related to both accidents and illnesses.
Yes, the policy will need to be cancelled, and a replacement policy issued.
In the event that he utilise his earned Family-NCD to buy a new policy with us, he can still remain in the Family NCD policy as a named driver but he will not earn another Family-NCD. The Family-NCD can only be used once per policy per named driver.
With ECICS, all Private Motor Car insurance policy comes with a complimentary No Claim Discount Protector. It is free for our customers as long as you have NCD 10% and above.
These workshops are not under ECICS Limited authorised partners and we have no control over the repair quality. If the repair is poorly done, we will not be able to assist you should issues arise. Furthermore, the claim cost may be inflated, resulting in higher premium in your next renewal.
No, it does not. ECICS NCD Protector only protects the policyholder/insured. It does not extend to cover all the Family NCD members.
Claim directly against the Third Party who is liable for the accident. You can bring your damaged car / motorcycle to any of our Authorised Workshops or your own preferred workshop who can assist you to file the Third Party claim; orClaim Own Damage claim under your policy if you have purchased a Comprehensive coverage. You will need to pay necessary Policy Excess (if any). The workshop will then assist you to recover against the Third Party’s insurer for the Excess paid.
We do not cover usage for food, parcel or other delivery services.