直购 - 定期寿险 (II)
直接向本公司购买您的定期寿险保障计划。
利益概要
负担得起的寿险保障。
可以选择5年或20年保障期，或选择直至65岁的保障期。
若遭遇身故、末期疾病(TI)或完全永久残疾(TPD)，可获赔一笔保险给付金。
可选择含30类重大疾病(CI)的附加险。
无需额外医疗核保下自动续保至85岁，仅限于5年保障期。
保障至新加坡存款保险公司 (SDIC)规定限值。
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Useful Tips
Is motor insurance mandatory in Singapore?
Driving a motor vehicle without a valid motor insurance plan to cover third-party physical harm is against the law in Singapore. Having a motor insurance plan in place not only protects you against third-party liability, it also reimburses you if you accidentally cause damage to your own car or someone else’s property.
What information should I consider when choosing a motor insurance provider?
- The premium payable and excess applicable
- Unnamed drivers (including young and inexperienced) excess
- The types of coverages (Comprehensive/Third Party/Third Party Fire and Theft)
- Driver restrictions (if any)
- Workshop restrictions
- List of approved repair workshops
- Non-standard exclusions
- Accident reporting and claims filing procedures
- Cancellation and refund policy
How does the motor insurance provider calculate my policy’s premium?
Most motor insurance providers in Singapore use a “risk factor rating system” when calculating your policy’s premium. The premium is calculated based on these factors:
- Profile of the vehicle
- Profile of the driver(s)
- Usage of vehicle
- Type of cover required
- History of claims
- No Claim Discount entitlement
What information do I need to give my motor insurance provider?
To better assess your risk and set an appropriate premium, the motor insurance provider will need some basic information:
- Your age
- Usage of your vehicle
- Make, model and year of make/registration of your vehicle
- Any other person(s) driving the vehicle beside you
- Recent motor accident claims (if any) including all vehicles owned or driven by you in the last 3 years.
- NCD entitlement
- Has the vehicle been modified? Please provide details of modifications
- Years of Driving experience in Singapore
- Existing medical conditions or physical impairment that may affect the driving of car (if any)
