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Student Accident Proctection Scheme - FAQ
  1. How do I make a claim under the policy?


  2. What does the policy cover?


  3. How much can I claim?


  4. What are the documents required?


  5. I am hospitalised for less than 20hours, can I claim In-Patient Benefits?


  6. How to fill up the claim form, I do not have the Claim No, Policy No and Expiry Date


  7. I seek treatment from Chinese Sinseh and went for X-ray...


  8. I went to the playground to play and got injured while going home...


  9. I was stung by a bee during PE...


  10. I was fainted during CCA and got injured...





  1. How do I make a claim under the policy?
    In the event of a claim, you may either

    [ Back to Top ]

  2. What does the policy cover?
    The policy reimburse the medical expenses incurred as a result of an accident happening in school and during school organised activities/CCAs(anywhere).
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  4. How much can I claim?
    • for OUTPATIENT treatment(private clinic, A&E, daysurgery and hospitalisation for less than 20hours, the amount claimable is as specified under [Section 1.1] of the schedule of payment.


    • accidental DENTAL treatment, the amount claimable is as specified under [section 1.2] of the schedule of payment.


    • for Chinese Sinseh/Traditional Chinese Medicine(TCM) treatment, the amount claimable is as specified under [Section 1.3] of the schedule of payment subject to S$30 PER VISIT.


    • for HOSPITALISATION due to accident and warded for more than 24hours, you could seek reimbursement under [Section 2.1 to 2.4] of the schedule of payment.
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  6. What are the documents required?
    • duly completed and signed Claim form


    • Original receipt for treatment at CLINIC with doctor's Diagnosis and/or


    • Original 'official receipt' for Chinese Sinseh treatment and/or


    • Original TAX INVOICE for treatment at Hospital(payment acknowledgement or statement is NOT acceptable) and copy of In-Patient Discharge Summary.


    • copy of settlement letter, computation table and 'Certified True copy' of all the bills, if you are claiming the same bills from other insurers.


    • copy of Police report is required for motor related accident


    • Doctor's memo/prescription is required for purchase of treatment related materials/equipments OR items indicated as "Retail items/Purchase without Prescription" on the receipt.
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  8. I am hospitalised for less than 20hours, can I claim In-Patient Benefits?
    If you were hospitalised for less than 20hours, you could only seek reimbursement under [section 1.1] of the schedule of payment.
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  10. How to fill up the claim form, I do not have the Claim No, Policy No and Expiry Date
    • Claim Number - leave blank


    • Name of Institution/School - Name of School you are studying


    • Policy Number - leave blank


    • Expiry Date - leave blank


    • Name of Insured Person - name of student who is making the claim


    • Address - home/correspondence address


    • Contact Numbers, Email - telephone/mobile & email address so tha we could contact ypu or write to you


    • Date/Time of Accident - date and time when the accident happen


    • Place of Accident - where did the accident take place


    • Brief description of accident - during WHAT activity, HOW did the accident happened and HOW you got injured


    • Nature of injury - WHICH part of body and TYPE of injury (cut, bruises, sprained, fractured etc...)


    • Name of clinic/hospital - where you went for treatment


    • If you are claiming the same bill from other insurer - provide the name of insurer and policy no, copy of settlement letter, computation table and 'Certified True copy' bills by the insurer


    • Medical/Hospital/Surgical expenses insurer - you may leave blank, will workout for you upon receipt of the bills


    • Claim cheque to be made in favour of - we reimburse via cheque, please provide cheque payee {name indicated must have a bank account}
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  12. I seek treatment from Chinese Sinseh and went for X-ray...
    You can claim under 1.1 for the X-Ray and 1.3 for the Chinese Sinseh treatment.
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  14. I went to the playground to play and got injured while going home...
    The policy covers while you are on a direct journey from home to school and returning home from school.
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  16. I was stung by a bee during PE....
    Yes, you can claim as the policy is extended to covers Bee/Wasp/hornet stung and Animal bite.
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  18. I was fainted during CCA and got injured...
    Yes, if you faint during CCA and got injured, you could claim under the policy. If there was no injury but was send to the hospital for various test then it is not claimable.
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