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Overview

A personal accident plan for you and your family, with the flexibility of 4 different coverage choices and optional benefits that you can choose to add on.

 

Sapphire Enhanced is a wide-ranging personal accident plan that eases the financial burden on you and your family if you are involved in an accident. It protects you against loss of income, medical expenses and other worries that an accident can bring.

With 4 levels of cover and comprehensive options to choose from, you can pick the coverage that best suits your needs.

 

 

Benefits

Support when you need it

Sapphire Enhanced will pay you a lump sum benefit if you meet with a serious accident. You can use this cash in any way you want, to make things a little easier for you during this time.

Income even if you can't work

A regular income brings peace of mind. We will pay supplementary income of up to $500 per week for 2 years if you suffer total temporary disability due to an accident.

Compassionate allowance

We will pay your family a lump sum of up to $25,000 in case of your accidental death to help them cope with any immediate financial burdens. This is just one of the options available to make your plan truly comprehensive.

Traditional Chinese Medicine

If you prefer to be treated using Traditional Chinese Medicine, we will reimburse you up to $750 per accident for treatment by a registered Chinese physician.

Free cover for your children

This plan is for your entire family. If both you and your spouse are on the same policy, we will cover all your children for up to 20% of the limit on your plan.

Terms and conditions apply.

Coverage

This plan is for:

  • Singaporeans and Permanent Residents (PRs).
  • Employment Pass holders, Work Permit holders, Long-Term Visit Pass holders and Student Pass holders.

You must be between 16-70 years of age to enrol. The policy is renewable until 75 years of age.

Choose from 4 levels of coverage:

 Benefits

 Plan 1
(max. limit)

 Plan 2
(max. limit)

 Plan 3
(max. limit)

 Plan 4
(max. limit)

Accidental death and permanent disability
Pays a lump sum in the event of death or permanent disability

$100,000

$200,000

$300,000

$500,000

Accident medical reimbursement
Reimburses for inpatient and outpatient medical treatment due to an accident

Up to $4,000

Up to $6,000

Up to $8,000

Up to $10,000

Weekly benefit for temporary total disability
Provides weekly benefit of up to 24 months for total temporary disability due to an accident

$100 per week

$100 per week

$200 per week

$500 per week

Traditional Chinese Medicine
Reimburses for treatment, due to an accident, by traditional Chinese practitioner or complementary medicine practitioner

Up to $750

Up to $750

Up to $750

Up to $750

Mobility aid and ambulance services reimbursement
Reimburses for cost of ambulance services and purchase of mobility aid equipment like wheelchair, crutches etc.

Up to $4,000

Up to $4,000

Up to $4,000

Up to $4,000

Free cover for children

  • If both the parents are covered under the same plan in a single policy: children enjoy 20% of all benefits except weekly benefit of ‘Temporary total disability’
  • If the parents are insured under different plans in the same policy: children enjoy 20% of all benefits under the lower plan, except weekly benefit of ‘Temporary total disability’
  • If a parent is a widow, widower, single parent or divorcee: For additional premium of 50%, the children enjoy 20% of all benefits except weekly benefit of ‘Temporary total disability’

20%

20%

20%

20%

You can add these benefits for comprehensive protection:

 Benefits

 Plan 1
(max. limit)

 Plan 2
(max. limit)

 Plan 3
(max. limit)

 Plan 4
(max. limit)

Daily hospital income
Pays a daily income for each day that you are hospitalised up to one year

$50

$100

$150

$250

Emergency medical evacuation
Covers all expenses to evacuate you in the event of a medical emergency

Up to $10,000

Up to $20,000

Up to $30,000

Up to $50,000

Lifestyle maintenance
Pays your family a monthly allowance of up to 12 months in the event of accidental death

$1,000

$1,500

$2,000

$3,000

Compassionate allowance
Pays your family a lump sum in case of accidental death

$5,000

$10,000

$15,000

$25,000

Free cover for child support fund
Pays a lump sum to your spouse or children’s legal guardian due to accidental death

$5,000

$10,000

$15,000

$25,000

Basic coverage (annual premium):

 Occupation rating  

 Plan 1   

 Plan 2   

 Plan 3   

 Plan 4   

 Class 1 & 2

$135

$230

$303

$588

 Class 3

$270

$460

$606

N.A.

Optional comprehensive coverage (annual premium):

 Occupation rating  

 Plan 1   

 Plan 2   

 Plan 3   

 Plan 4   

 Class 1 & 2

$189

$323

$436

$837

All prices stated above are inclusive of 7% GST.

Not sure about your occupation rating? Check the Sapphire Enhanced Occupational Classification.

Complete and return the claim form with all supporting documents to:

AIG Asia Pacific Insurance Pte. Ltd.
AIG Building
78 Shenton Way #07-16
Singapore 079120

View the list of Sapphire Enhanced FAQs.

Find out about Nomination of Beneficiaries.

 

Buy This Plan

To buy this plan, you can:

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