About the Policy and Eligibility
1. What is this Sembcorp Group Personal Accident Policy about?
This Sembcorp Group Personal Accident Policy (“Policy”) is a Group Personal Accident Policy underwritten by The Great Eastern Life Assurance Company Limited (“GE”), offered by Sembcorp Power Pte Ltd (“Sembcorp”) to eligible customers at no additional charge.
Under this programme, an eligible customer who suffers death or total & permanent disability caused by an accidental injury will receive from Sembcorp a monthly bill rebate of S$62.50 for 24 consecutive months, totalling S$1,500.
|Benefit Coverage||Sum Assured|
|Death due to an accidental injury||
(S$62.50 monthly bill rebate for 24 consecutive months)
|Total & Permanent Disablement due to an accidental injury|
2. Who is eligible for this Policy?
All Sembcorp home customers of who have successfully renewed their existing residential electricity plan any time from 1st May 2019 to 31st August 2021.
The customer must be at least 21 years old and has not yet attained the age of 65 years, and is a Singaporean, Singapore PR or holder of a valid Employment Pass (EP Holder or S Pass Holder, Dependant Pass and is residing in Singapore.
3. Is there a fee that customers must pay for this Policy?
No. This Policy is offered by Sembcorp for eligible customers at no additional charge.
4. What is the validity of this Policy?
All eligible customers shall be covered under the Policy from 1st September 2020 to 31st August 2021.
As this is a group policy offered by Sembcorp to all eligible customers, the period of coverage may not necessary be in sync with the customer’s electricity plan contract period.
5. How can a customer register for this Policy?
All eligible customers will automatically be enrolled into the programme. There is no need for the customer to perform any registration to enjoy this coverage.
6. Will customers receive an official email or document to confirm their enrolment into this Policy?
As this Policy offered by Sembcorp to all eligible customers, there will not be any official email or document to further confirm the individual customer’s enrolment into this programme. All eligible customers can be assured that they will automatically be enrolled into this Policy.
7. Is a customer covered for an accident that occurs overseas?
No. Accidents that occur overseas are not covered under the Policy.
8. Is a customer covered for an accident resulting from participating in high risk activities?
The Policy does not cover customers engaging in high risk activities such as:
a) Participation in competitive racing of any kind other than on foot
b) Bodily injury sustained as a result of the life assured parachuting or sky diving or engaging in any kind of aerial flight.
c) The life assured being in or on an aircraft of any type or boarding or descending from any aircraft, except as a fare-paying passenger or a crew member on an aircraft on a regular schedule route operated by a recognized airline.
9. Is a customer with pre-existing conditions covered?
Any customers with pre-existing conditions or disability which existed prior to customer becoming insured under this Policy is not eligible for this coverage.
10. Does a customer’s type of job affect the eligibility or coverage offered?
Customer’s type of job does not affect the eligibility or coverage offered but accidents that arise in the course of work or at the worksite of the following occupational activities shall be excluded from coverage:
i. engaging in active military duties such as commando or bomb disposal duties/training, maintenance of civil order, engagement in hostilities whether war be declared or not and travel by military aircraft or waterborne vessel;
ii. working from heights of 20 metres above the ground; or in confined spaces such as vessels, tunnels, underground civil works;
iii. as professional sports;
iv. operating, servicing and/or installing heavy machinery;
v. providing protective services (including bouncers, life guards, wardens and firemen);
vi. work related to martial arts and the like; or as performing artists (including stuntmen);
vii. work in the maritime industry (including deep sea diving and sea crews);
viii. work in the aviation industry (pilots and aircrew); or
ix. working on railway tracks, ships or shipyards, working in warehouses, power stations, chemical factories, industrial plants, offshore rigs, timber camps; or working in the building trade (including construction workers, cable installers, electricians); or working with wood, metal, glass or bleach.
More for information on the coverage of the Policy, please refer to the policy document or contact GE and quote “Power For You”.
Filing a Claim
11. How should a customer file a claim?
The customer or customer’s next-of-kin should contact Sembcorp to notify them of a claim at the earliest time possible and no later than 30 days from date of death or date of confirmed disability. The customer service team from Sembcorp will render necessary assistance along with more information on the claims procedure.
Do take note that GE will not be able to accept any direct claim submission from customers as submission is accepted only from Sembcorp as the policyholder.
12. What is the expected time required for a claim to be processed and finalised?
GE and Sembcorp seek to support all customers to finalise their claims within the shortest time possible. In some instances, additional supporting documents might be required from the customer which might add to the total time required to process and assess the claim.
Upon receiving all claims document in good order, GE aims to provide an outcome on the claims assessment within the next 15 working days.
13. Should customers continue paying their electricity bill in full while a claim assessment is ongoing?
Yes. Customers should continue making due payment on their electricity bill to Sembcorp while pending the claim assessment outcome. If the claim is successful, Sembcorp will be in touch with the customer to further explain the bill rebate arrangement.
14. How will a customer be informed of the claim assessment outcome and when will the monthly bill rebates start?
Customers will be informed by GE and Sembcorp via email of their claim assessment outcome. If the claim is successful, Sembcorp will be in touch with the customer to further explain the bill rebate arrangement.
15. If a customer’s monthly electricity bill is less than the S$62.50 monthly bill rebate, what happens to the excess unutilised bill rebate amounts?
Unutilised bill rebate amounts will remain in the customer’s Sembcorp account until it is eventually utilised.
Please note that the bill rebate will be used to offset the electricity bill, excluding Security Deposit and all non-electricity usage related charges. If the electricity bill amounts to less than the value of the bill rebate, the remaining value will be used to offset the subsequent electricity bill(s).
If any outstanding bill rebate is not redeemed upon the expiry or termination of Sembcorp’s electricity Agreement, then such unconsumed bill rebate will be forfeited. The bill rebate shall under no circumstances whatsoever be paid out in cash or in kind to any party.
For more information, please contact Sembcorp.
16. What are the documents required when making the claim?
Customers will need to provide the following:
|In the event of:||Documents|
|An accidental Total Permanent Disability||Hospital Certificate*|
|An accidental Death||Death Certificate*|
*For more information on required documents please refer to the policy document or contact GE.
Contact Details for Further Enquiries
17. Who should a customer contact if they have more queries or require assistance?
18. Who should a customer contact if they should want to opt out of this coverage?
Customers should contact Sembcorp Power directly through the contact details indicated above, should they wish to opt out of this Policy.