Insured United Agency
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PACare Plus (Enhanced)

PACare Plus (Enhanced)

Everyday Protection for the Whole Family

Life is full of simple joys to experience with your loved ones. The enhanced PACare Plus makes sure you’re there for every moment by protecting you from accidents all year round. Little ones are covered too if parents are protected by PACare Plus.

Benefits at a Glance

PACare-Plus Enhance
  • Free Dependent Child Cover if Insured and spouse take up together in a single policy at inception or renewal
  • Medical reimbursement coverage for Infectious Disease
  • Inability to permanently perform 3 Activities of Daily Living after an accident is considered Permanent Total Disablement
  • Double Indemnity for Death and Total Permanent Disability (TPD) when traveling in a Public Conveyance or due to floods, fire or explosions
  • No Claim Bonus of up to 25%

Summary of Benefits

  • ACCIDENTAL DEATH : PAYS IN THE EVENT OF DEATH DUE TO ACCIDENTAL BODILY INJURY
  • PERMANENT DISABLEMENT : PAY BASED ON SCALE OF BENEFIT TABLE IN THE EVENT OF PERMANENT DISABLEMENT
  • DOUBLE INDEMNITY : WHEN INSURED IS TRAVELING IN A PUBLIC CONVEYANCE, OR WHEN DUE TO LANDSLIDE, FLOOD, FIRE OR EXPLOSION
  • TEMPORARY TOTAL DISABLEMENT : PER WEEK, MAXIMUM OF 104 WEEKS PER ACCIDENT
  • TEMPORARY PARTIAL DISABLEMENT : PER WEEK, MAXIMUM OF 104 WEEKS PER ACCIDENT
  • DAILY HOSPITAL CASH : PER DAY WITH A MAXIMUM PERIOD OF 90 DAYS PER ACCIDENT
  • ICU DAILY HOSPITAL CASH : PER DAY WITH A MAXIMUM PERIOD OF 90 DAYS PER ACCIDENT
  • COMPASSIONATE CASH RELIEF : PAYS A LUMP SUM IN THE EVENT OF ACCIDENTAL DEATH
  • MEDICAL EXPENSES : REIMBURSES FOR INPATIENT AND OUTPATIENT TREATMENT INCURRED DUE TO ACCIDENT AND INFECTIOUS DISEASE (PER ACCIDENT)
  • MEDICAL EXPENSES : LIMITS DOUBLES WHEN INSURED IS TRAVELING IN A PUBLIC CONVEYANCE, OR WHEN DUE TO LANDSLIDE, FLOOD, FIRE OR EXPLOSION, OR WHEN WARDED IN AN ICU OF A HOSPITAL
  • TRADITIONAL CHINESE MEDICAL AND CHIROPRACTOR TREATMENT (PER ACCIDENT)
  • MOBILITY AID & AMBULANCE SERVICE (PER ACCIDENT)
  • 24-HOUR MEDICAL ASSISTANCE, EMERGENCY EVACUATION AND REPATRIATION & REPATRIATION OF MORTAL REMAINS
  • TRANSPORT ALLOWANCE *NEW* : REIMBURSES TAXI FARE INCURRED WITHIN 60 DAYS UPON DISCHARGE FROM HOSPITAL (PER ACCIDENT)
  • PERSONAL LIABILITY *NEW* : INSURES AGAINST THIRD PARTY CLAIMS FOR BODILY INJURY OR PROPERTY DAMAGE CAUSED BY INSURED’S NEGLIGENCE
  • TRAUMA COUNSELLING EXPENSES *NEW* : PAYS THE COST OF COUNSELLING IF THE INSURED SUFFERS 50% OR MORE PERMANENT DISABLEMENT (PER POLICY YEAR)
  • COMATOSE STATE BENEFIT *NEW* : PAYS A LUMP SUM IF THE INSURED SUFFERS A COMA AS A RESULT OF AN ACCIDENT (PER POLICY YEAR)

Classification of Occupations

  • CLASS 1 : YOU ARE ENGAGED IN INDOOR & NON-MANUAL WORK IN NON-HAZARDOUS PLACES
  • CLASS 2 : YOU ARE ENGAGED IN WORK OF AN OUTDOOR OR SUPERVISORY NATURE OR INVOLVE OCCASIONAL MANUAL WORK, WHOSE DUTIES DO NOT INCLUDE USE OF TOOLS AND MACHINERY AND ARE NOT EXPOSED TO ANY SPECIAL HAZARD, E.G. PROPERTY AGENT, OUTDOOR SALES/MARKETING
  • CLASS 3 : YOU ARE ENGAGED IN MANUAL WORK NOT OF PARTICULARLY HAZARDOUS NATURE, WITH OR WITHOUT THE USE OF TOOLS OR MACHINERY. E.G. BAKER, BUTCHER, DRIVER, CHAUFFEUR, VETERINARIAN

Scope of Coverage according to your Age

  • 18-65 YEARS : FULL COVERAGE
  • 66-70 YEARS : FULL COVERAGE FOR RENEWALS ONLY
  • 71-79 YEARS : 50% OF COVERAGE, RENEWALS ONLY
  • CHILD : 50% OF FULL COVERAGE WITH ADDITIONAL PREMIUM PAYABLE (EXCLUDING EXCLUSIVE PLAN)

Additional Extensions

  • FULL TERRORISM COVER
  • ACCIDENTAL MISCARRIAGE
  • BITES FROM INSECTS OR ANIMALS
  • FOOD POISONING
  • MOTOR CYCLING
  • NATIONAL SERVICE FULL-TIME (WHEN OFF-DUTY) AND RESERVIST TRAINING
  • UNSCHEDULED FLIGHT
  • MURDER AND ASSAULT
  • HIJACK OR KIDNAP
  • FLOOD AND OTHER CONVULSIONS OF NATURE
  • FREE CHILD COVER FOR UNLIMITED NUMBER OF CHILDREN. APPLICABLE ONLY TO THE FOLLOWING BENEFITS: SECTION 1 – ACCIDENTAL DEATH, SECTION 2 – PERMANENT DISABLEMENT, SECTION 6 – DAILY HOSPITAL CASH AND SECTION 9 – MEDICAL EXPENSES

Eligibility

  • SINGAPORE CITIZENS OR PERMANENT RESIDENTS WHO ARE RESIDING PERMANENTLY IN SINGAPORE
  • ADULTS FROM 18 TO 65 YEARS OF AGE. POLICY RENEWABLE UP TO AGE 79 SUBJECT TO YEARLY REVIEW
  • DEPENDENT CHILD FROM 6 MONTHS TO 18 YEARS OF AGE, OR UP TO AGE 25 IF HE/SHE IS ENROLLED IN AN EDUCATIONAL INSTITUTION ON FULL-TIME HIGHER EDUCATION
  • FREE DEPENDENT CHILD COVER FROM 1 DAY TO 18 YEARS OF AGE, OR UP TO 25 IF HE/SHE IS ENROLLED IN AN EDUCATIONAL INSTITUTION ON FULL-TIME HIGHER EDUCATION

Major Exclusions

  • AIDS AND DISEASES ASSOCIATED WITH HIV
  • PRE-EXISTING CONDITIONS
  • PREGNANCY, CHILDBIRTH OR ITS COMPLICATIONS
  • SUICIDE OR SELF-INFLICTED INJURY
  • WAR AND NUCLEAR-RELATED EVENTS
  • PARTICIPATING IN ANY PROFESSIONAL SPORTS, ROCK CLIMBING (EXCEPT ON MAN-MADE WALLS) OR MOUNTAINEERING WHICH INVOLVES THE USE OF GUIDES OR ROPES, ANY UNDERWATER ACTIVITIES INVOLVING UNDERWATER BREATHING APPARATUS, ANY KIND OF SPEED CONTEST OR RACING (OTHER THAN ON FOOT), MOTOR RALLIES, HUNTING, POTHOLING, CAVING, PARACHUTING, SKY DIVING, HANG GLIDING, PARAGLIDING, CLIFF DIVING, BUNGEE JUMPING, BASE JUMPING, COMPETITIVE SNOW OR ICE SPORTS
  • THE FOLLOWING ACTIVITIES OR SPORTS, EXCEPT UNDERTAKEN ON A LEISURE PURPOSE UNDER THE SUPERVISION OF A LICENSED GUIDE OR INSTRUCTOR, WILL NOT BE COVERED: HOT-AIR BALLOONING, ICE OR WINTER SPORTS, HIKING OR TREKKING UNDERTAKEN OUTSIDE SINGAPORE
  • ANY KIND OF SPEED CONTEST OR RACING (OTHER THAN ON FOOT) AND MOTOR RALLIES

Important Notice

The information provided here is a summary and for general information only. Although care has been taken in preparing the information provided to you, we will not responsible for any errors or omissions, and we accept no liability whatsoever for any loss or damage howsoever arising. Please refer to the actual policy wordings for the terms and conditions. You may refer to www.libertyinsurance.com.sg for detailed information about the product.