Permanent Total Disablement
Accidental Death
Temporary Total Disablement
Daily Hospitalisation Allowance
Accidental Medical Reimbursement
(Limit Any One Accident)
Recuperating Benefit for Hospitalisation more than 14 consecutive days (Limit Any One Period)
TCM and Chiropractor Coverage
(Limit Any One Period)
Mobility Aid & Transport Services Reimbursement (Limit Any One Period)
We’re More Than Just an Insurer—We’re Your Neighbour Through Life’s What-Ifs.
We've been using ECICS for our helper's insurance for 5 years. The claim process is smooth, and we sleep better knowing she's protected.
We chose the Exclusive plan, It's worth the investment, especially with rising medical costs.
We've been using ECICS for our helper's insurance for 5 years. The claim process is smooth, and we sleep better knowing she's protected.
We've been using ECICS for our helper's insurance for 5 years. The claim process is smooth, and we sleep better knowing she's protected.
No, all pre-existing conditions are not covered.
Yes, the following occupations or activities are excluded: - Pilots, aircrew or any occupation involving aviation activities - Full-time military personnel - Police force personnel - Fire fighters - Construction / unskilled workers - Ship crew or workers on board vessels, oil and gas rig workers, offshore workers, stevedores, shipbreakers - Welding - Professional sports teams - Work involving height (exceeding 30 feet above ground or floor level) and/or works underground and/or travel beyond normal speed on land and/or handling of hazardous chemical / electricity - Use of Woodworking tools and machineries - Professional divers and jockeys - Crane Operators
No, you do not need to go for a medical checkup but you will need to declare that you are in good health and free from physical or mental defect or infirmity or disease.
Always select the higher risk occupation class if your job falls between two classes. This ensures you remain fully covered and avoids issues during claims assessment.
Yes, our premiums are dependent on the Insured Person's occupation class. Class 1: Professionals/persons engaged in indoor & non-manual work in non-hazardous places. Examples: Accountant, Banker/Finance Officer, Lawyer, IT Professional, Teacher. Class 2: Professionals/persons engaged in work of an outdoor or supervisory nature or involved occasionally in manual work whose duties do not involve the use of tools or machinery or exposure to any special hazard. Examples: Property Agent, Sales Executive, Nurse, Chef, Physiotherapist. Class 3: Professionals/persons engaged in manual work, involving the use of tools or machinery but not of a particularly hazardous nature. Examples: Electrician, Car Mechanic, Commercial Driver, Gardener, Painter.
