Group Personal Accident Insurance (GPAI)

‚ÄčThe Group Personal Accident Insurance Scheme (GPAI) is compulsory for all full-time and part-time undergraduates. Full-time graduate students who do not want to be covered can opt out before the start of each new academic year. Students who do not opt out will be billed. Please email One Stop @ SAC at for more information on the opt out process. GPAI is compulsory for students of Lee Kong Chian School of Medicine. 


Main Benefits
1A. Accidental Death - 100% of Capital Sum Insured of S$10,000 per Insured Person

1B. Accidental Permanent Disablement - up to 150% of Capital Sum Insured of S$10,000 per Insured Person

2. Accidental Medical Reimbursement (AMR) - S$3,000 per Accident involving hospitalisation / surgery; for claims without hospitalisation / surgery, AMR will be sub-limited to S$1,000 (per Accident); Please note that TCM and physiotherapy treatment will be capped at S$750


Accident or Accidental means a sudden, unforeseen and unexpected event happening by chance that results in the Insured Person suffering Death, Disablement or Bodily Injury. Insured Person shall mean the Insured Students of NTU.


Permanent as used in respect to disablement means disability that lasts more than three hundred and sixty-five (365) days following which there is no hope of improvement.


Permanent Total Disablement means disablement which:


i)         Continues for a period of three hundred and sixty-five (365) days, and



ii)        Is confirmed as total, continuous and Permanent by a Physician after three hundred and sixty-five (365) days, and



iii)       Entirely prevents an Insured Person from engaging in or giving attention to gainful occupation of any and every kind for the remainder of his or her life.



Accidental Medical Expenses shall mean that whilst the Policy is in force, the Insured Person sustains an Accidental Bodily Injury and necessarily incurs Accidental Medical Expenses within three hundred and sixty-five (365) consecutive days from date of Accident, the Company will reimburse the Accidental Medical Expenses up to the Benefit Amount as stated in the Policy Schedule. Accidental Medical Expenses means reasonable and customary charges for medical services for the care and treatment of Accidental Bodily Injury sustained in an Accident.

Reasonable and Customary Charges means the lesser of

a) the usual charge made by Physicians or other health care providers for a given service or supply; or

b) the charge the Company reasonably determine to be the prevailing charge made by Physician or other health care providers for a given service or supply.


Geographical Limit

Geographical limit: 24-hour world-wide coverage, except for part-time undergraduates, whose cover shall be limited to Accident in consequence of the following:

a. In the premises or on the grounds of the University while attending lessons or workshops, or
b. Whilst travelling between the undergraduate's residence / employer's (if working) premises and the University to attend lessons or training conducted in the University.

1. Subject to terms and conditions of the Insurance Policy.
2. Any eligible student who wishes to have a copy of the schedule of compensation for permanent injuries may email One Stop @ SAC at



(1) Without prejudice to Item (3) below, the Policy shall cover all matriculated or registered students who are required to pay the tuition fees due to the University or the host university of an exchange or attachment program for the period of coverage (for administrative purposes, the period of coverage for Semester One shall be deemed to commence from 1 July of each new Academic Year).

(2) The Policy shall not cover any matriculated or registered student who has not paid the premium collected by the University. Nevertheless, without prejudice to Item (1) above, the Policy shall cover any matriculated or registered student awaiting the collection of his or her premium by the University in the period of coverage, subject to the subsequent successful collection of the premium.

(3) Coverage for each student being covered shall terminate upon his / her ceasing to be a student of the University. Coverage for students being covered who are in their final year of study at the University shall lapse when they cease to be students of the University and, without prejudice to Items (1) and (3) above, shall be renewed automatically upon their status as students of the University being reinstated for specific purposes in the period of coverage.

(4) Without prejudice to Items (1) and (3) above, matriculated or registered students who join the University after 1 July of each new Academic Year shall be covered from the date he or she officially joins the University.


Note: For administrative purposes, we regard final-year students who have passed all the examinations to cease being matriculated students of the University on the day after the release of their final-year examination results and for post-graduate students, on the day they receive their conferment letter.


The Insurance Company shall not be liable to pay for any claim directly or indirectly consequent upon the following causes:

a) Civil War or Foreign War;

b)Insured person engaging in naval, military or airforce service or operations (except peacetime reservist training or operationally ready national service under Section 14 of the Enlistment Act, Cap.93 of the Republic of Singapore); 

c)Self-inflicted injury, suicide or any attempts thereat, suicide pacts or agreement while sane or insane;

d) Insured person engaging in racing on wheels;

e) Injury directly or indirectly resulting from sickness, disease, or pregnancy including any complications, related conditions or treatment thereof;

f) Injury occurring during or as a direct or indirect result of any surgery except when such surgery was necessary to treat or restore function after an Accidental injury covered by this Policy.


Additional Exclusion

Under the Group Personal Accident Insurance Scheme, students who are required to be onboard a vessel are not covered except for Maritime Studies students or students in any other related disciplines who are required by the company of their official attachment program to be onboard a vessel sailing in open sea for a day visit, and Policy benefits for such are based on the General Cover above.  

Although the above additional exclusion does not refer to leisure cruise trips, students going on such trips are encouraged to purchase Travel Insurance on their own (please refer to the section below titled "Note on Travel Insurance").

Claim Submission
With effect from 1 August 2017, NTU/NIE students who wish to submit a 1st claim to be assessed by the insurance company for reimbursement may bring the completed GPAI claim form and the original receipts to One Stop @ SAC/NIE Student Services Centre respectively.
NTU students can drop the respective documents into the claim drop box that is placed inside One Stop @ SAC. Your claims will be collected every Monday at 9am or the next working day if it falls on a public holiday.
For follow-up claims, quote the claim reference number (51700xxxxx) when you submit the original receipts.
If you have submitted the 1st claim before 1 August 2017 and wish to submit a follow-up claim, please complete this claim form and drop them (together with your original receipt/s attached) into the claim drop box.
Please ensure your NTU email address and contact number are correctly indicated. Claims are processed within 21 working days upon receipt of full documentation. You will be notified via email on the outcome of your claim status. You will be notified/contacted via email within 12 working days from collection date if additional documents are required.
For NIE students, you may bring the completed GPAI claim form and the original receipts to NIE Student Services Centre.  For more details, please refer to
You can contact the insurance broker via email or phone +65 6411 9566 for further enquiries concerning your claim status.


Other information

The policy is underwritten by Chubb Insurance Company. The annual premium for the General Cover shown above is S$11.25 (including GST) per student. Eligible students who wish to seek a claim for Accidental Injuries must submit their claims within 30 days after the occurrence of the Accident.

Note on Travel Insurance: Group Personal Accident (GPA) insurance is NOT the same as Travel Insurance (TI). You should seriously consider purchasing TI on your own if you are travelling overseas and may want to be covered for items such as loss of baggage, trip cancellation, evacuation expenses and repatriation expenses.For more information on travel insurance and declaration, please refer to this link

Disclaimer and contact information
The information presented on this web page and any attachment contained herein is published in good faith. While every reasonable effort is made by the university to ensure that this information is accurate, the university disclaims any liability for any injury, loss, or damage whatsoever that may arise whether directly or indirectly as a result of any inaccuracy, error or omission.


For NTU students

One Stop @ SAC
Student and Academic Services Department

Nanyang Technological University
50 Nanyang Avenue
NS3-01-03, Academic Complex North

Singapore 639798

Phone: +65 6790 6823 / +65 6592 3626


Insurance Broker (Jardine Lloyd Thompson Pte Ltd)

Phone: +65 6411 9566


For NIE students 

Student Services Centre
Blk 3B Student Hub Level 1,

1 Nanyang Walk
Singapore 637616

Mr Lee Boon Hock, Email:
Mr Edwin Tan, Email:

Share Article