It depends on the level of protection you want. Health insurance usually covers inpatient medical expenses for illnesses and injuries. Personal Accident insurance provides additional coverage for death or injury due to accident and includes outpatient medical expenses.

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

Yes. You must notify us if there are any change in circumstances during the period of insurance affecting the risk such as changes in occupation or country of residence.

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.

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.