Prestige PACare
The best way to enjoy life is to be protected
from uncertainties.
Your discerning tastes lead you to the best that life has to offer. When it comes to protecting your future and your loved ones, you deserve nothing less than.
Prestige PACare is the optimum personal accident plan designed to help you live life to the fullest.
- Optimum protection against life's uncertainties
With a sum assured as high as $3.5 million to take care of your financial priorities, Prestige PACare offers you exceptional coverage for Accidental Death and Permanent Disablement, Medical Expense Reimbursement and Emergency Assistance Services. This ensures that you and your loved ones are well protected in the event of accidents.
- Wide medical expense reimbursement
To broaden your treatment options for a speedy recovery, Prestige PACare also covers medical expenses incurred on treatments by registered traditional Chinese medical practitioners. This reimbursement is even extended to the rental or purchase of mobility aids. With such comprehensive coverage, you can rest your mind fully on recuperation.
- Extensive protection 24 hours round the globe
In the unfortunate event that you are in need of emergency medical, legal or administrative assistance outside your country of residence, Prestige PACare will also help you obtain the necessary assistance and reimburse the covered expenses, including emergency medical evacuation & repatriation, compassionate visit and the return of minor children. These services provided direct from a 24-hour Alarm Centre to ensure that help is just a phone call away.
- Renewable privileges till age 75
Offering high sums assured, Prestige PACare indulges you in complete peace of mind as long as you are aged between 17 and 65 years on your next birthday. Prestige PACare is also renewable up to the age 75 years old.
Benefits / Premium Table
| SECTION |
LOSS COVERED |
UNIT OF BENEFIT |
1stYEAR ANNUAL PREMIUM RATE
($ PER UNIT OF COVERAGE)
|
|
CLASS 1
|
CLASS 2
|
CLASS 3
|
A |
ACCIDENTAL DEATH & PERMANENT DISABLEMENT
Capital Sum Insured
|
S$10,000 |
S$9.95 |
S13.42 |
S$18.01 |
| |
OPTIONAL BENEFITS
|
B |
MEDICAL EXPENSE REIMBURSEMENT
Reimbursement up to S$20,000 for each and every Accident including:
- Traditional Chinese Medical Treatment - Up to $500, (not subjected to deductibles)
- Mobility Aids - Up to S$1,000
AND
EMERGENCY ASSISTANCE SERVICES
Covers for Emergency Medical Evacuation & Repatriation, Repatriation of Mortal Remains, Compassionate Visit, Return of Minor Children, Non Medical Escort and Additional Accomodation Expenses.
| - |
S$232.00 |
S$274.00 |
S$364.00 |
Premiums quoted are subject to 7% GST.
A 5% renewal discount applies from 2nd year onwards
Capital Sum insured is between S$1m to S$3.5m.
Premiums payable for this policy are not guaranteed and may increase at policy renewals at the full discretion of Great Eastern Life.
Monthly premiums are generated by multiplying annual premiums with factor 0.08583.
|
Class 1 |
Persons engaged in professional, managerial, administrative, clerical and non-manual occupations in general.
|
|
Class 2 |
Persons engaged in work of a supervisory nature and others not in Class 1 whose duties do not involve use of tools and machinery or exposing themselves to special hazards. Persons engaged in work involving substantial amount of travelling, e.g. salesmen.
|
|
Class 3 |
Persons engaged in manual work not of particularly hazardous nature but involving the use of tools and machinery.
|
Note: This classification is for reference
only. The exact Occupational Class will be determined by the company. Only
the above Occupational Classes are allowed for Prestige PACare.
View Compensation Table
Benefits payable as a result of an accident which occurs during the period of insurance.
|
SECTION
|
LOSS
|
COMPENSATION
|
A |
ACCIDENT DEATH
|
Capital Sum Insured
|
| PERMANENT DISABLEMENT |
Proportion of Capital Sum Insured
|
| Total and Permanent Disablement
|
150% |
| Loss of or the Irrecoverable Total Loss of Use of Both Arms or Both Legs or One Arm and One Leg
|
150% |
| Loss of or the Irrecoverable Total Loss of Use of One Arm or One Leg
|
125% |
| Loss of Sight in Both Eyes
|
150% |
| Loss of Sight in One Eye
|
100% |
| Loss of or the Irrecoverable Total Loss of Use of One Arm or One Leg and Sight in One Eye
|
125% |
| Loss of Lens in One Eye
|
50% |
| Loss of Hearing in Both Ears
|
75% |
| Loss of Hearing in One Ear
|
25% |
| Loss of Speech
|
50% |
| Loss of Thumb and Four Fingers of One Hand
|
75% |
| Loss of Four Fingers of One Hand
|
40% |
| Loss of Thumb (Both Phalanges)
|
30% |
| Loss of Thumb (One Phalange)
|
15% |
| Loss of Index Finger (Three Phalanges)
|
10% |
| Loss of Index Finger (Two Phalanges)
|
8% |
| Loss of Index Finger (One Phalanx)
|
6% |
| Loss of Any Other Finger
|
5% |
| Loss of All Toes on One Foot
|
15% |
| Loss of Big Toe
|
5% |
| Loss of Any Other Toe
|
1% |
| |
OPTIONAL BENEFITS
|
|
B |
MEDICAL EXPENSE REIMBURSEMENT FOR EACH AND EVERY ACCIDENT INCLUDING:
- Traditional Chinese Medical Treatment - Up to S$500 (not subjected to deductibles)
- Mobility Aids - Up to S$1,000
AND
EMERGENCY ASSISTANCE SERVICES
Covers for Emergency Medical Evacuation & Repatriation, Repatriation of Mortal Remains, Compassionate Visit, Return of Minor Children, Non Medical Escort and Additional Accomodation Expenses.
|
Reimbursement up to S$20,000 for each & every
Accident |
Covered
|
For high risk activities, the company will reduce all benefits payable by 25% or 50%. Please refer to the policy contract for more details.
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Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premium paid.
Policy Owners' Protection Scheme
This plan 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 us or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg)
Crediting Rate