What is TM 365 insurance?

This plan lifts financial burden off your shoulders when the unexpected happens. It shields you, your spouse and children with the following benefits:

  • Worldwide round-the-clock coverage
    For accidental death or permanent disablement
  • Up to 150% of capital sum insured*
    This is payable in the event of permanent disablement
  • Pays up to 10% of capital sum insured*
    This applies when you are in a accident-related coma.
  • Injuries caused by fire
    Offers coverage for second and third degree burns.
  • Extra protection
    This includes coverage for food poisoning, insect/animal bites, exposure to natural elements, motorcycling and more.
  • Emergency medical assistance
    Simply call our 24-hour hotline at +65 6225 8647 (+65 6CAL TMIS).
  • Automatic increase in sum insured
    Receive up to 25% for capital sum insured* as well as medical expenses.
  • Enjoy 10% savings
    This applies when you protect 2 Family Members. You’ll gain 15% savings if you insure 3 or more family members.
  • Accidental death
    If you or your spouse passes away due to an accident, Family Protector will protect your surviving family members who are insured for another 6 months free.
  • Free Look Period
    From the day you receive the policy, enjoy a trial period to review the policy. If you are not satisfied, you can return policy within 14 days for a full refund.
 
Note:
* Capital Sum Insured means the sum insured for Accidental Death.

Options

Choose among our four offerings:

  • Plan A
    • Sum Insured for accidental death or permanent disablement: $50,000
    • Medical expenses for accidents: $2,000
  • Plan B
    • Sum Insured for accidental death or permanent disablement: $100,000
    • Medical expenses for accidents: $4,000
  • Plan C
    • Sum Insured for accidental death or permanent disablement: $200,000
    • Medical expenses for accidents: $6,000
  • Plan D
    • Sum Insured for accidental death or permanent disablement: $300,000
    • Medical expenses for accidents: $8,000

Key coverage

Here is an overview of your coverage

Standard Cover

Standard Cover

  • Accidental death or permanent disablement
    Pays you a lump sum benefit in the event of death or permanent disablement.
  • Double indemnity for accident on public conveyance
    Pays you double the Capital Sum Insured* benefits when death occurs when you travel as a passenger on a public transport. Excludes claims resulting from to acts of Terrorism.
  • Medical expenses for accidents (per accident)
    • Reimburses you for inpatient and outpatient medical expenses incurred due to an accident
    • This includes expenses incurred for treatment by a Chinese Physician and Chiropractor.
  • Weekly income benefit^ (per accident)
    • Temporary Total Disablement (TTD)
    • Temporary Partial Disablement (TPD)
    • Provides a weekly benefit of up to 104 weeks if you suffer from TTD or TPD
  • Recuperation benefits (per accident)
    Pays you a daily recuperation benefit of up to 365 days if you are hospitalised.
  • ICU recuperation benefit (per accident)
    Provides you a daily recuperation benefit of up to 30 days if you are warded in an ICU.
  • Emergency medical evacuation & repatriation of mortal remains (per policy period)
    • Covers the expenses incurred for emergency medical evacuation.
    • You are also covered for repatriation of mortal remains
    • Benefits falling under this benefit will be serviced by our 24-hour hotline while you are overseas.
  • Trauma support(per policy period)
    Indemnifies you for expenses incurred for counselling if you are diagnosed for post-traumatic stress disorder as a result of permanent disablement*.
  • Mobility aid & prosthesis (per policy period)
    Reimburses you for the purchase or rental of mobility aid equipments such as wheelchairs, crutches, hearing aids, artificial limb, etc.
  • Home & vehicle modifications (per policy period)
    Covers you for expenses incurred in modifying your residence or vehicle if you suffer from permanent disablement.
  • Caregiver grant (per policy period)
    Pays you a lump sum benefit to hire a caregiver if you suffer from permanent disablement#.
  • Compassionate fund
    Provides your family a lump sum benefit in the event of your death.
  • Optional Cover:
    Child Protector
    You can protect your dependent child against all the above covers except weekly income benefits.
Note:
* Capital Sum Insured means the sum insured for Accidental Death.
^ Only 50% of the benefits will be payable when you are unemployed or unable to provide proof of income.
# Benefits are payable upon Permanent Disablement where at least 100% of the Capital Sum Insured is payable.

Important notes
Here is an overview over key points to take note

  • All amounts shown are in Singapore Dollars
  • Benefits under this insurance will be payable only upon death, permanent disablement or injury due to an accident.
  • All those who are insured must be a Singapore citizen, Singapore Permanent Resident or foreigner who is holding a valid employment pass, work permit, dependent pass, student pass or social visit pass and residing in Singapore.
  • You or your spouse must be at least 18 years old and below the age of 70 at the commencement of this insurance. If enrolled under this insurance before 65 years old and there is no lapse in cover, this insurance is renewable until the age of 85. However, once you or your spouse is 75 years old and above, only  Plan A, B or C can be selected.
  • Your dependent child(ren) must be at least 1 month old at the commencement of this insurance and you can continue to cover them under this insurance until they are 21 or 25 (if the child is studying full-time in a tertiary institution).
  • If you or your spouse is a homemaker, full-time student, retiree or unemployed, only Plan A, B or C can be selected
  • If you, your spouse or your dependent child(ren) has/have more than one policy with us covering against Terrorism, the maximum amount payable for Acts of Terrorism for all the policies shall not exceed $500,000 per person.
  • When more than one person is insured under the policy, the total maximum amount payable under the policy is further subjected to a conveyance/event limit.
  • This insurance generally does not cover:
    • Pre-existing condition or disability
    • Suicide or attempted suicide while sane or insane, self-inflicted injury, pregnancy (except for miscarriage due to an accident) and childbirth.
    • There are other conditions where the benefits under this insurance will not be payable. Please refer to the policy wordings for details
  • Premium rates are non-guaranteed and may be reviewed from time to time
  • You or we may cancel the policy by giving each other prior notice in writing. Please refer to the policy wordings for the cancellation conditions and applicable charges.
  • If you or your spouse wish(es) to nominate a beneficiary, please contact your intermediary for the relevant forms.

How much is my premium?

Your premium may vary, depending on:

  • The type of plan selected
  • Your nature of work
  • Our underwriting requirements

Download our application form under the Product Literature. 

Get it now

What we don’t cover

  • Suicide (whether sane or insane) or attempted suicide while sane or insane
  • Self-inflicted injury, pregnancy and childbirth. An exception would be made for miscarriage due to an accident.
  • Pre-existing condition or disability
Note:
There are other conditions where the benefits under this insurance will not be payable. Please refer to the policy wordings for details.
Important information

This insurance is underwritten by Tokio Marine Insurance Singapore Ltd. All benefits and features mentioned here are subject to the terms and conditions of the policy. Please refer to the policy contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only.