Protecting Your Future with TM365 Personal Accident Insurance
In life's unpredictable journey, accidents can happen when we least expect them. The financial and emotional toll of such incidents can be overwhelming. That's where TM365, a comprehensive personal accident insurance product from Tokio Marine Insurance Singapore Ltd., comes in. With its wide-ranging coverage and flexible plans, TM365 offers peace of mind by providing financial protection against accidents. Whether you're an individual or part of a family, TM365 ensures that you're covered 24/7, worldwide, so you can face life's uncertainties with confidence.
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Coverage and Benefits
TM365 offers a robust set of benefits designed to provide comprehensive protection in case of accidents. From accidental death coverage to medical expense reimbursement, this policy ensures that you and your loved ones are financially secure in challenging times. Let's explore the key benefits that make TM365 stand out:
Accidental Death Protection
TM365 provides substantial coverage in the unfortunate event of accidental death. The benefit ranges from $50,000 to $300,000, depending on the plan chosen. Additionally, the policy offers double indemnity for accidents on public conveyance, potentially doubling the payout to up to $600,000.
Permanent Disability Coverage
In case of permanent total or partial disability due to an accident, TM365 offers up to 150% of the Capital Sum Insured. This enhanced coverage ensures that you're well-supported during challenging times, with payouts of up to $450,000 for the highest plan.
Temporary Disability Benefits
TM365 provides weekly income benefits for temporary total or partial disability. The weekly payout ranges from $50 to $300 for total disability and $25 to $150 for partial disability, depending on the chosen plan. This benefit helps maintain financial stability during recovery periods.
Medical Expense Coverage
The policy covers medical expenses incurred due to accidents, with limits ranging from $2,000 to $8,000 per accident. This includes a sub-limit for treatment by Chinese physicians and chiropractors, ensuring comprehensive care options.
Additional Support
TM365 goes beyond basic coverage by offering benefits such as recuperation allowance, ICU recuperation benefit, emergency medical evacuation, and repatriation of mortal remains. It also provides support for trauma counseling, mobility aids, and home and vehicle modifications, with coverage limits varying by plan.
Coverage Customization
TM365 offers flexibility to tailor your coverage according to your needs and budget. With multiple plan options and occupation-based classifications, you can choose the level of protection that best suits your lifestyle and financial goals. Here's how you can customize your coverage:
Plan Options
TM365 offers four plan options: A, B, C, and D. These plans provide increasing levels of coverage, with Plan A starting at $50,000 for accidental death and Plan D offering up to $300,000. This allows you to select a sum assured that aligns with your protection needs and budget.
Occupation Classes
The policy categorizes occupations into three classes, with premiums adjusted accordingly. Class 1 includes low-risk professions like administrative roles, Class 2 covers moderate-risk jobs like outdoor sales, and Class 3 is for higher-risk occupations such as chefs or drivers. This classification ensures fair pricing based on occupational risk.
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Riders and Additional Benefits
TM365 offers a range of additional benefits and riders to enhance your protection. These features provide extra layers of security and support, ensuring comprehensive coverage for various scenarios. Let's explore some of the key additional benefits:
Child Protector
This optional cover extends protection to your children at 50% of the benefits under the lower plan selected between you and your spouse. The highest plan available for children is Plan C, ensuring that your entire family is protected.
Family Protector
If you or your spouse passes away due to an accident, the surviving insured family members receive an additional 6 months of free coverage. This benefit provides crucial support during challenging times.
Automatic Increase
TM365 offers an automatic increase in sum insured of up to 25% for both the capital sum insured and medical expenses. This feature helps your coverage keep pace with inflation and increasing costs.
Family Savings
Enjoy a 10% savings when you protect two family members and a 15% savings for three or more family members. This encourages comprehensive family protection at a more affordable rate.
Claims and Customer Service
Tokio Marine Insurance Singapore Ltd. is committed to providing excellent customer service and a smooth claims process. In the event of an accident, policyholders can contact the 24-hour emergency assistance hotline at +65 6225 8647 (+65 6CAL TMIS) for immediate support. For claims, you can visit the Tokio Marine website or contact their customer service team directly. The company prides itself on efficient claims processing and responsive customer support to ensure you receive the assistance you need when you need it most. Remember to keep all relevant documentation and medical reports to facilitate a quick and hassle-free claims process.
Is TM365 Right for You?
TM365 is an excellent choice for individuals and families seeking comprehensive personal accident coverage. It's particularly well-suited for working professionals who want to protect their income in case of disability, parents looking to secure their family's financial future, and active individuals who want peace of mind during their daily activities and travels. The policy's flexibility and wide range of benefits make it adaptable to various lifestyles and protection needs.
who can provide you with personalized perspectives on TM365 and other insurance options. By hearing from multiple advisors, you'll gain valuable insights to make an informed decision about your coverage. Plus, don't miss out on our 'Premiums On Us' campaign - meet with advisors to earn entries for our quarterly draw, where winners get their insurance premiums paid by Whatins. It's time to take control of your financial protection with expert guidance and potential rewards!
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