TM 365: Your Comprehensive Guide to Personal Accident Protection
Are you worried about the financial impact of unexpected accidents on you and your family? You're not alone. Accidents can happen anytime, anywhere, and they can turn your life upside down in seconds. That's where TM 365 comes in. Let's explore how this personal accident insurance plan from Tokio Marine can provide you and your loved ones with peace of mind.
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What is TM 365?
TM 365 is a comprehensive personal accident insurance plan designed to protect you and your family from the financial consequences of accidents. It offers worldwide, round-the-clock coverage for accidental death and permanent disablement, along with a range of additional benefits to support you in case of accidents.
Key Features of TM 365
Worldwide Coverage
Protects you 24/7, anywhere in the world
High Payout
Up to 150% of Capital Sum Insured for Permanent Disablement
Terrorism Coverage
Protects against war and acts of terrorism
Family Protection
Offers savings for insuring multiple family members
Automatic Increase
Sum insured increases up to 25% over time
Flexible Plans
Choose from 4 plans (A, B, C, D) to suit your needs and budget
What Does It Cover?
TM 365 offers a wide range of benefits. Here's a simplified breakdown of the main coverages:
Accidental Death or Permanent Disablement
Plan A: $50,000 b>Plan B: $100,000 b>Plan C: $200,000 b>Plan D: $300,000
Double Indemnity for Accidents on Public Transport
Pays double the above amounts if the accident occurs on public transport
Medical Expenses for Accidents
Plan A: $2,000 per accident b>Plan B: $4,000 per accident b>Plan C: $6,000 per accident b>Plan D: $8,000 per accident br>(Includes coverage for Traditional Chinese Medicine and Chiropractic treatment)
Weekly Income Benefit
Pays a weekly amount if you're unable to work due to an accident Ranges fromb>$50 to $300 per week , depending on your plan
Additional Benefits
Recuperation Benefit, ICU Recuperation Benefit, Emergency Medical Evacuation, Trauma Support, Mobility Aid & Prosthesis, Home & Vehicle Modifications, Caregiver Grant, Compassionate Fund
Special Features
Coma Coverage
Pays up to 10% of Capital Sum Insured if you fall into a coma due to an accident
Burns Coverage
Covers second and third-degree burns
Extended Protection
Covers food poisoning, insect/animal bites, exposure to natural elements, motorcycling, and more
Family Protector
If you or your spouse dies in an accident, surviving insured family members get 6 months of free coverage
Free Look Period
14 days to review and return the policy for a full refund if unsatisfied
Dengue & Zika Coverage
Protects against these viral infections
How Much Does It Cost?
The annual premium depends on your occupation class and chosen plan:
Class 1 (e.g., office workers, homemakers)
Plan A: $85 b>Plan B: $130 b>Plan C: $230 b>Plan D: $330
Class 2 (e.g., sales professionals, waiters)
Plan A: $110 b>Plan B: $180 b>Plan C: $320 b>Plan D: $450
Class 3 (e.g., drivers, chefs)
Plan A: $200 b>Plan B: $280 b>Plan C: $500 b>Plan D: $740
Family Savings
10% discount for insuring 2 family members b>15% discount for insuring 3 or more family members
Optional Child Protector
Provides 50% of the benefits of the lower plan selected between you and your spouse Costs range fromb>$40 to $115 annually , depending on the plan
Why Compare TM365 with other Personal Accident Options through Whatins?
Traditional Approach
- Limited to one company's definitions
- May not know about better coverage elsewhere
- Single view on occupation classifications
Whatins Advantage
- Compare accident definitions across insurers
- See how different plans cover various activities
- Get multiple views on occupation coverage
- Understand different approaches to sports coverage
Real-Life Examples
Car Accident
If you're seriously injured in a car accident: - You'd receive ab>lump sum payment for permanent disablement (up to 150% of your sum insured) - Yourb>medical expenses would be covered (up to your plan limit) - You'd receiveb>weekly income benefits while unable to work - The plan would help pay forb>home and vehicle modifications if needed
Public Transport Accident
If you're involved in a bus or train accident: - The payout would beb>double your normal sum insured br>- All other benefits (medical expenses, weekly income, etc.) would still apply
Food Poisoning
If you get severe food poisoning: - Yourb>medical expenses would be covered - You could claim forb>TCM treatments if needed - You'd receive theb>recuperation benefit
Pros and Cons
Pros
Comprehensive coverage for a wide range of accidents
Flexible plans to suit different needs and budgets
Family-friendly with discounts for multiple members
Covers some situations that regular health insurance might not (e.g., terrorism, coma)
Automatic increase in sum insured over time
Cons
Not suitable for certain high-risk occupations
Weekly income benefit is reduced if unemployed or unable to prove income
Premiums may be higher than some basic personal accident plans
Frequently Asked Questions
Who is eligible for TM 365?
Most people aged 18-65 are eligible, but certain high-risk occupations are excluded.
Can I cover my whole family?
Yes, you can cover yourself, your spouse, and your children. You'll get discounts for multiple family members.
What's not covered?
Generally, self-inflicted injuries, professional sports, and certain high-risk activities are not covered.
How do I make a claim?
Contact Tokio Marine as soon as possible after the accident. They'll guide you through the process.
Can I change my plan later?
You can usually adjust your coverage at renewal time.
Wrapping It Up
TM 365 offers comprehensive personal accident protection for you and your family. With its flexible plans, wide-ranging benefits, and unique features like terrorism coverage and family protection, it's designed to give you peace of mind in an unpredictable world.
Whether you're worried about accidents at home, while commuting, or during travel, TM 365 has you covered. The plan's automatic increase in sum insured and family discounts make it an attractive option for long-term protection.
However, it's important to consider your specific needs, occupation, and existing coverage before making a decision. While TM 365 offers extensive accident protection, it's not a replacement for comprehensive health insurance.
Ready to take the next step? Don't rely on just one opinion. Get expert insights tailored to your unique situation. Sign up now to receive 5 expert opinions on personal accident insurance. These professionals will review your needs and provide personalised recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for you and your family. Don't leave your protection to chance – get the expert advice you deserve today.
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