1. Coverage

Benefits		Deluxe Plan		Classic Plan
		Sum Insured (S$)		Sum Insured (S$)
		Individual	Group	Individual	Group
1a.	Personal Accident (whilst in an automobile or public conveyance)	400,000	Per Adult : 400,000 Per Child : 100,000	200,000	Per Adult : 200,000 Per Child : 50,000
b.	Personal Accident (whilst elsewhere)	200,000	Per Adult : 200,000 Per Child : 50,000	100,000	Per Adult : 100,000 Per Child : 25,000
SCALE OF COMPENSATION % of Sum Insured (a) Death 100% (b) Loss of two or more limbs 100% (c) Loss of all sight in both eyes 100% (d) Loss of all sight in one eye and loss of one limb 100% (e) Loss of all sight in one eye 50% (f) Loss of one limb 50% (g) Permanent total disability 100% Loss means permanent, total irrecoverable loss. Loss of use of limb(s) shall be treated as loss of limb(s).
2.	Medical Expenses	500,000 (max. for TCM 300)		250,000 (max. for TCM 300)
3.	Extension of Stay	10,000		5,000
4.	Compassionate visit	10,000		5,000
5.	Hospital confinement allowance	10,000 (200 per day)		5,000 (100 per day)
6.	Emergency Medical Evacuation Expenses	Unlimited		Unlimited
7.	Repatriation Expenses	Unlimited		Unlimited
8.	Hostage / Kidnap Benefit	10,000 (200 per day)		5,000 (100 per day)
9.	Trip Cancellation / Curtailment Expenses	10,000		5,000
10.	Overbooked Flight/Cruise	200		100
11.	Missed Connection	200		100
12.	Travel Delay (Excess: 6 hrs)	1,000 (100 for each 6 consecutive hours delay whilst overseas and in Singapore)		1,000 (100 for each 6 consecutive hours delay whilst overseas and in Singapore)
13.	Baggage Delay (Excess: 6 hrs)	1,000 (200 for each 6 consecutive hours delay whilst overseas and in Singapore)		1,000 (200 for each 6 consecutive hours delay whilst overseas and in Singapore)
14.	Loss/Theft or Damage of Baggage & Personal Effects	5,000 (Max. 500 for any one article or pair or set of articles. Max. for laptop is 1,000)		5,000 (Max. 500 for any one article or pair or set of articles. Max. for laptop is 1,000)
15.	Travel Documents	5,000		3,000
16.	Loss of Money	500		250
17.	Emergency Telephone Charges	200		100
18.	Home Contents Cover	5,000 (Max. 500 for any one article or pair or set of articles for Valuables)		3,000 (Max. 500 for any one article or pair or set of articles for Valuables)
19.	Rental Vehicle Excess	500		500
20.	Personal Liability	1,000,000		500,000
21.	Terrorism Cover (In aggregate for the above sections 1 to 20)	Individual	Group	Individual	Group
		200,000	Per Adult : 200,000 Per Child : 50,000	100,000	Per Adult : 100,000 Per Child : 25,000
The total compensation payable under this Insurance for Benefit 1(a) to (g) above shall not exceed the Sum Insured. For Insured aged 70 years to 80 years, Benefits 1 & 2 will be 25% of the limit indicated in the Classic Plan Table of Coverage. For Insured aged above 80 years, Benefits 1 & 2 will be 10% of the limit indicated in the Classic Plan Table of Coverage. Children shall include those from age 30 days to below 21 years.

2. Coverage for Insured Age 70 Years & Above

The sum insured of the following benefits will be reduced to 25% for age 70 years to 80 years, and 10% for ages above 80 years on Classic Plan.

All other benefits shown on benefits table above remain unchanged.

Please call 96Income (9646 2663), email product@income.com.sg or
Visit our branch/business centres, contact your insurance adviser