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Personal Accident

TM Protect PA: Comprehensive Accident Coverage for Life's Uncertainties

In today's unpredictable world, having robust accident protection is crucial for safeguarding your financial well-being. TM Protect PA, offered by Tokio Marine Life Insurance Singapore Ltd., is a comprehensive personal accident insurance plan designed to provide financial assistance in the event of accidental death, dismemberment, disability, and injury. This yearly renewable plan offers coverage for individuals aged 1 to 70, ensuring protection for both adults and children. With its enhanced coverage against common illnesses like Hand Foot and Mouth Disease (HFMD), dengue fever, and food poisoning, TM Protect PA goes beyond traditional accident insurance to offer peace of mind in various scenarios.

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TM Protect PA Coverage and Benefits

TM Protect PA offers a wide range of benefits to ensure comprehensive coverage for various accident-related scenarios. From accidental death to medical expense reimbursement, this plan is designed to provide financial support when you need it most. Let's explore the key features and benefits of TM Protect PA:

Accidental Death Benefit

Provides a lump sum payment of up to S$1,000,000 in the event of accidental death. An additional 100% of the sum assured is paid out if the accidental death occurs while travelling on private car or public transport worldwide.

Permanent Total Disability

Offers up to 150% of the sum assured for total and permanent disability resulting from an accident. This benefit ensures financial support in case of severe, long-term disability.

Permanent Partial Disability

Provides coverage for various levels of permanent partial disability, with benefits ranging from 1% to 150% of the sum assured, depending on the severity and type of disability sustained.

Temporary Total Disability

Offers an Accidental Weekly Income benefit of up to S$350 per week for a maximum of 52 weeks. This benefit helps replace lost income during the recovery period.

Medical Expense Reimbursement

Covers medical expenses up to S$10,000 per accident, including both western medicine and Traditional Chinese Medicine treatments. Sub-limits apply for outpatient and dental treatments.

Additional Coverage

Includes enhanced coverage for HFMD, dengue fever, and food poisoning. The plan also offers round-the-clock global coverage, ensuring protection whether you're at home, at work, or traveling overseas.

Coverage Customization

TM Protect PA offers flexibility in customizing your coverage to suit your individual needs and budget. With various sum assured options and plan types, you can tailor the policy to provide the right level of protection for you and your family. Let's explore the customization options available:

Sum Assured Options

Choose from four different plans with varying sum assured amounts: Plan A (S$100,000), Plan B (S$250,000), Plan C (S$500,000), and Plan D (S$1,000,000). This allows you to select the coverage level that best fits your financial situation and protection needs.

Benefit Limits

Each plan offers different benefit limits for various coverages. For example, the Medical Reimbursement Benefit ranges from S$2,500 to S$10,000 per accident, depending on the chosen plan. The Accidental Weekly Income Benefit also varies from S$140 to S$350 per week based on the selected plan.

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TM Protect PA Riders and Additional Benefits

TM Protect PA offers a range of additional benefits to enhance your coverage and provide comprehensive protection against various accident-related scenarios. These benefits are designed to offer financial support in specific situations, ensuring that you and your loved ones are well-protected. Let's explore some of the key additional benefits included in the TM Protect PA plan:

Double Indemnity Benefit

Provides an additional 100% of the sum assured in case of accidental death while traveling on private car or public transport. This benefit can range from S$200,000 to S$2,000,000, depending on the chosen plan.

Burns Coverage

Offers protection against third-degree burns, with benefits ranging from 50% to 100% of the sum assured, depending on the extent and location of the burns. This coverage applies to both head and body burns.

Enhanced Illness Coverage

Provides coverage for Hand Foot and Mouth Disease (HFMD), dengue fever, and food poisoning. This unique feature ensures protection against common illnesses that can lead to hospitalization and medical expenses.

Claims and Customer Service

Filing a claim with TM Protect PA is designed to be straightforward and hassle-free. In the event of an accident or covered illness, policyholders should contact Tokio Marine Life Insurance Singapore Ltd. as soon as possible to initiate the claims process. The company provides dedicated customer support to guide you through the necessary documentation and procedures. To ensure a smooth claims experience, it's important to keep all relevant medical records, bills, and incident reports readily available. For any queries or assistance regarding your policy or claims, Tokio Marine's customer service team can be reached at their office located at 20 McCallum Street, #07-01 Tokio Marine Centre, Singapore 069046, or by phone at (65) 6592 6100.

Conclusion

TM Protect PA offers comprehensive accident coverage that can benefit a wide range of individuals. It's particularly suitable for working adults seeking financial protection against accidents and related medical expenses, parents looking to safeguard their children's well-being, and frequent travelers who need global coverage. The plan's flexibility in terms of sum assured options and additional benefits makes it adaptable to various life stages and protection needs.
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