AccidentGuard

The only certainty in life is its uncertainty

When the unexpected in life happens, you would want to be prepared for the repercussions it may have on your life. AccidentGuard is a specially designed comprehensive personal accident plan. It will assist you with the costs you incur from an unexpected accident. It also gives you the assurance that your loved ones will be guarded from financial loss as they deal with the physical and emotional trauma and stress of you being seriously injured or, worse, losing you. Accident coverage includes dengue fever¹.

With less than S$0.50 a day², safeguard yourself and your loved ones from accidents.

Benefits at a glance

Accident Death Benefit
If the accident proves to be fatal, your loved ones would be rendered some financial support with the Accidental Death Benefit payable in one lump sum payment.

Up to 200% Indemnity Coverage for Permanent Disability
If you, the insured person suffer from the disability listed at for items 2 to 7 in the Table of Benefits due to an accident, you will receive 200% of the sum insured. Not only would the additional payout provide for expenses that come with disability, but the payment also gives your family an immediate financial safety net needed in trying times.

Table of Benefits

Medical Reimbursement
In the event that you require medical treatment for your injury within 12 months from the accident, this benefit reimburses the in-patient and out-patient treatment up to the sum insured relevant to the plan you have selected.

Traditional Chinese Medicine
If you prefer to turn to Traditional Chinese Medicine due to an injury within 12 months from the accident, you will also be reimbursed up to S$100 per consultation or treatment per day³ for such treatment with AccidentGuard.

Mobility Aid and Ambulance Services Reimbursement
If your injury or medical condition warrants the use of mobility aid or ambulance services within 26 weeks from the date of the accident, AccidentGuard will reimburse the cost for the purchase of mobility aid equipment and the cost of the ambulance services⁴.

Weekly Benefits
The chances of being disabled due to an accident are high. With AccidentGuard's weekly benefit, if within 90 days your accident results in temporary total disability or temporary partial disability, you will receive a weekly payout⁵ to lighten your burden for the expenses incurred for up to 104 weeks.

More Benefits

Daily Hospital Income Benefit
To compensate the potential loss of income in the event of hospitalisation due to an accident, AccidentGuard pays out a daily benefit, based on the plan selected, up to a maximum of 60 days per period of insurance. This Daily Hospital Income Benefit has even been extended to cover Hand, Foot & Mouth Disease (HFMD)⁶.
HFMD is still a cause of concern for Singaporeans in 2010, HFMD in Singapore witnessed 233 cases requiring hospitalisation⁷. With AccidentGuard, you are covered for expenses due to accidents, dengue fever and HFMD. This Benefit is not applicable to Plan E, F, G or H.

Emergency Medical Evacuation & Repatriation
With AccidentGuard, in the event that the insured person is seriously injured while you're overseas and it is necessary⁸ to evacuate to the nearest registered medical institution for medical treatment or to return to Singapore, we will cover expenses up to the relevant limit under the plan you have selected. In cases of fatality caused by an accident during travel overseas, we will pay for transferring the insured person's mortal remains back to Singapore⁹.

Hardship Benefit¹⁰
We understand that serious accidents can lead to disability. Apart from physical inconvenience, the other effects of a serious accident can be very hard for you and your family to bear. To provide further support financially, AccidentGuard provides a lump sum payout if you are permanently disabled due to an accident for items 2 to 7 set out in the Table of Benefits.

Compassionate Allowance¹⁰
Another additional lump sum payout upon accidental death.

Free Cover for Child Education Fund¹⁰
In the unfortunate situation of an accidental death of the breadwinner, funding for his child's education may be in question. With this benefit, a lump sum will be paid out to the insured's estate upon his accidental death to cater to such education expenses.

Enjoy Free Cover for your Children¹¹
Designed to provide peace of mind for your family, AccidentGuard provides free coverage for all your children. When both parents are insured with AccidentGuard, your children will also enjoy coverage of 10% of all benefits¹². In the event that you and your spouse are under different plans, your children will be covered for 10% under the plan with the lower sum insured. If one parent is insured, children enjoy free coverage of 5% of all benefits under the plan with the lower sum insured.

Growing sum insured at no extra cost¹³
We know that as the years pass by, your protection needs may grow. To provide for higher protection at no extra cost, AccidentGuard allows your sum insured in respect of death, to steadily increase every year, up to a maximum of 125% of the original sum insured.

Schedule of Benefits

Coverage (S$)	Plan A	Plan B	Plan C	Plan D
Death ( Sum insured)	100,000	100,000	50,000	25,000
Medical Reimbursement (per Accident)	6,000	6,000	5,000	2,500
Traditional Chinese Medicine Treatment (per Accident)	500	500	500	500
Mobility Aid and Ambulance Services Reimbursement (per Accident)	2,000	2,000	2000	2000
Weekly Benefits (per Accident up to 104 weeeks)	100	100	50	25
Daily Hospital Income Benefit (up to 60 days per Period of Insurance	50	50	25	15
Emergency Evacuation & Repatriation	10,000	10,000	8,000	5,000
Hardship Benefit	5,000	5,000	2,500	1,500
Compassionate Allowance	5,000	5,000	2,500	1,500
Free Cover for Child Education Fund	5,000	10	2,500	1,500
Free Cover for Child(ren) If You and Legal spouse enrol If You enrol only	10% for all Coverage except Weeekly Benefits which does not apply 5% for all Coverage except Weeekly Benefits which does not apply	10% for all Coverage except Weeekly Benefits which does not apply 5% for all Coverage except Weeekly Benefits which does not apply	10% for all Coverage except Weeekly Benefits which does not apply 5% for all Coverage except Weeekly Benefits which does not apply	10% for all Coverage except Weeekly Benefits which does not apply 5% for all Coverage except Weeekly Benefits which does not apply
Automatic Indexation Benefit (for Adult Insure Person only)	5% Increase in the Sum Insured for Death at the end of each year, up to a maximum of 125% of the Sum Insured for Death in Year 6
	Plan E	Plan F	Plan G	Plan H
Death ( Sum insured)	200,000	1000,000	50,000	25,000
Medical Reimbursement (per Accident)	7,000	6,000	5,000	2,500
Traditional Chinese Medicine Treatment (per Accident)	500	500	500	500
Free Cover for Child(ren) If You and Legal spouse enrol If You enrol only	10% for all Coverage 5% for all Coverage	10% for all Coverage 5% for all Coverage	10% for all Coverage 5% for all Coverage	10% for all Coverage 5% for all Coverage
Automatic Indexation Benefit (for Adult Insure Person only)	5% Increase in the Sum Insured for Death at the end of each year, up to a maximum of 125% of the Sum Insured for Death in Year 6

Act now

Speak to your Financial Planner to find out more about AccidentGuard. Alternatively, you may call our Customer Service hotline on (65) 6225 6111, Mondays to Fridays, 9 am to 5 pm to make an appointment.

¹Dengue fever is only covered after 30 days from the Effective Date.
²Based on occupation class 1 or 2, AccidentGuard Plan H, S$12.59 per month over 30 days.
³ Benefit amount payable up to S$500 (per accident).
⁴ Benefit amount payable up to S$2,000 (per accident). This Benefit is not applicable to Plan E, F, G or H.
⁵The amount payable for such disability will be calculated by applying the actual number of days for which you sustained temporary total disability to the weekly benefit sum insured relevant to the selected plan stated in the Schedule of Benefits. If the accident results in temporary partial disability, the amount payable for such disability will be calculated by applying the actual number of days for which you sustained temporary partial disability to 25% of the weekly benefit sum insured relevant to the selected plan stated in the Schedule of Benefits. This benefit does not apply to your children who qualify for free coverage under AccidentGuard and/or Plan E, F, G or H.
⁶The Daily Hospital Income Benefit is extended with the first diagnosis occurring after the insured person has been insured under the policy for a continuous period of 30 days from its Effective Date.
⁷Source: "Update on Hand, Foot & Mouth Disease (HFMD) Situation in Singapore, AsiaOne, 15 August 2010
⁸In the opinion of the Company's appointed Emergency Assistance Provider.
⁹Benefit amount payable up to the sum insured relevant to the plan you have selected. This Benefit is not applicable to Plan E, F, G or H.
¹⁰This Benefit is not applicable to Plan E, F, G or H.
¹¹The child has to be from 1 day to 16 years old or those who are between 16 and 23 years, not married and are studying full-time in a recognised institute of higher learning, to qualify for this free coverage. There is no limit to the number of children covered under this benefit.
¹²Exclude Weekly Benefits which does not apply.
¹³This benefit is only available to an Adult Insured Person.

Important notes

AccidentGuard is underwritten by HSBC Insurance (Singapore) Pte. Limited, 10 Eunos Road 8, #11-01 Singapore Post Centre, Singapore 408600. Company registration no. 195400150N.

This web page contains only general information. The specific terms, exclusions and conditions applicable to this insurance are described in the policy which will only be issued upon acceptance of the proposal form. A copy of the policy is available for inspection at HSBC Insurance (Singapore) Pte. Limited. A person interested in this product should consider whether the product is suitable before making a commitment to purchase the product.

This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg).

HSBC Insurance (Singapore) Pte. Limited's authorised agents or distributors, including The Hongkong and Shanghai Banking Corporation Limited (together "the Agents") are neither underwriter nor broker for the customer. To the fullest extent permissible pursuant to applicable law, the Agents make no warranties or representation as to the accuracy, correctness, reliability or otherwise of the content of this marketing material. Under no circumstances, including, but not limited to negligence, shall the Agents or any party involved in creating, producing or delivering the marketing material be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the liability to use, the information in this marketing materials even if the Agents have been advised of the possibility of such damages.

The Agents and/or their employees will receive a commission from HSBC Insurance (Singapore) Pte. Limited in respect of this transaction. The Agents are not suppliers of the products and services and will not accept liability in relation thereto.

AccidentGuard

The only certainty in life is its uncertainty

Benefits at a glance

Schedule of Benefits

Act now

Important notes

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