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)
Definitions
Accident or Accidental means a sudden, unforeseen and fortuitous event that results in the Insured Person suffering Death, Disablement or Bodily Injury.
Insured Person shall mean the Insured Students of NTU.
Injury shall mean Death, Disablement or Bodily Injury which is sustained by an Insured Person during the period of Insurance and is caused by an Accident solely and independently of any other causes within 365 days from the date of such Accident.
Permanent shall mean lasting 365 days from the date of Accident and at the expiry of that period being beyond hope of improvement.
Disablement means each of, or any of, Permanent Total Disablement, Temporary Total Disablement or Temporary Partial Disablement that results solely, directly and independently of all other causes from Bodily Injury and which occurs within 365 days of the Accident in which such Bodily Injury was sustained.
Accidental Medical Reimbursement shall mean the reimbursement to the Insured Person the Usual Customary and Reasonable Medically Necessary Expenses as defined, incurred up the benefit level stated for Injury.
Medically Necessary Expenses shall mean expenses incurred within 365 days of sustaining Injury paid by the Insured Person to a legally qualified medical practitioner, physician, surgeon, nurse, hospital and/or ambulance service for medical, surgical, X-ray, Hospital or nursing treatment including the cost of medical supplies and ambulance hire but excluding the cost of dental treatment unless such treatment is necessarily incurred to restore sound and natural teeth and is caused by Injury. All treatment must be prescribed by a qualified medical practitioner in order for expenses to be reimbursed.
Usual, Customary and Reasonable Medically Necessary Expenses shall mean a charge which is made for treatment, supplies or medical services medically necessary to treat the Insured Person's condition; does not exceed the usual level of charges for similar treatment, supplies or medical services in the locality where the expense is incurred; and does not include charges that would not have been made if no insurance existed.
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.
Note:
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 Mr. Lai at yclai@ntu.edu.sg or Mrs. Christine Tan at chng@ntu.edu.sg.
Eligibility
(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 2009).
(2) The Policy shall also cover any matriculated or registered student who incurs medical expenses occasioned by or arising from an Accident that results in his or her being granted leave of absence and hence waiver of tuition fee by the University.
(3) 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.
(4) 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.
(5) Without prejudice to Items (1) and (3) above, matriculated or registered students who join the University after 1 July 2009 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.
Exclusions
The Policy shall not apply to any of the following:
(a) Routine general physical or any other examinations not directly related to admission, diagnosis, illness or Injury or treatment which is not medically necessary;
(b) Dental care or surgery, cosmetic or plastic surgery except necessitated by Injury caused by Accident;
(c) Congenital anomalies and conditions arising out of or resulting therefrom;
(d) Any mental and/or nervous disorders, sleep disorders, convalescence of rest care, alcoholism and drug-related treatment;
(e) Miscarriage (except Accidental), abortion, pregnancy;
(f) Pre-existing condition or illness;
(g) Self-destruction or any attempt thereat while sane or insane;
(h) Insurrection declared or undeclared war of any warlike operations, military or naval service in time or declared or undeclared war or while under orders for warlike operations or restoration of public order;
(i) Participation in riot, committing an assault or felony;
(j) Participation in competitive racing on wheels;
(k) Motorcycle rider or pillion rider engaging in or practicing for racing and hill climbing contests and reliability trials and speed or duration testing.
Other information
The policy for AY 2009/2010 is underwritten by American Home Assurance Company. Eligible claimants should submit their claims to Student Affairs Office the soonest possible without any undue delay.
Applications for additional (optional) cover for full-time undergraduates undergoing Industrial Attachment or Industrial Internship in the period commencing from Jul 09 are now closed. A list of the participants whose premiums have been collected has been posted at the Public Folders --- please refer to the notice posted on 15 Jul 09 at Notice Board (Students). Any student who has paid the premium but whose name is not found on this list is requested to email Mrs. Christine Tan at chng@ntu.edu.sg.
Disclaimer and contact information
The information presented on this web page and its link 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.
Contact persons:
Mr. Lai Yew Chan, Student Affairs Office
Nanyang Technological University
42 Nanyang Avenue, Student Services Centre (Level 6)
Singapore 639815
E-mail: yclai@ntu.edu.sg
Mrs. Christine Tan, Student Affairs Office
Nanyang Technological University
42 Nanyang Avenue, Student Services Centre (Level 6)
Singapore 639815
E-mail: chng@ntu.edu.sg
Updated on 15 Jul 09