Give yourself extra coverage - AIA Singapore

PROTECTION
AIA PERSONAL ACCIDENT FOR MILITARY
Give yourself
extra coverage
AIA.com.SG

AIA Personal Accident for Military
AIA Personal Accident
for Military (PAM)
Comprehensive protection for military personnel
Serving the nation is an honour every eligible person aspires to do. The training is tough
and the discipline demanding in such an environment despite every care and precaution,
accidents can happen.
AIA is proud to launch this comprehensive Personal Accident Protection Plan for military
personnel.
Who is covered?
Anyone in the military force can apply for this plan. The premium payable will be according
to your vocation and coverage can be extended to administrative staff and all the way to
commandos and fighter pilots.
When are you covered*?
The plan covers you 24 hours a day, 365 days a year, against almost every kind of accident,
whether during sporting activities or vacation, military training or exercises, travelling in
buses, MRT or military trucks and transport planes. There is no geographical limit and
coverage is therefore extended to overseas military training.
It provides you with worldwide protection, 24 hours a day.
What losses are not covered*?
Losses not covered are those resulting from war; violation of the law; intentional self-injury
or suicide; child birth or pregnancy; sickness or disease and professional sports. For full
list of exclusions, please refer to policy contract.
Special Policy Features
• You are covered 24 hours a day, 365 days a year
• Worldwide coverage and claim service
• Comprehensive coverage which includes warlike operations, military training and exercise
• Cover for loss as a result of an accident when travelling as a passenger on a commercial
airline as well as on a recognized government military air transport
• Option to select the appropriate sum assured ranging from S$30,000 to S$200,000
• 5% renewal bonus of the Principal Sum for a maximum of 5 years
* There are certain conditions whereby the benefits under this plan will not be payable.
These are stated as exclusions in the contract. You are advised to read the policy
contract for the full lists of exclusions.

AIA Personal Accident for Military
The PAM Plan – Benefits
Loss of Life, Dismemberment and Loss of Sight Indemnity
Event
% of Principal Sum
When as a result of an accident, the Assured suffers from any losses shown below within
180 days, benefits shall be paid as follows:
Event
% of Principal Sum
Loss of life 100
Permanent total loss of sight of both eyes 100
Permanent total loss of sight of one eye 50
Loss of or the permanent total loss of use of two limbs 100
Loss of or the permanent total loss of the use of one limb 50
Loss of speech and hearing 100
Permanent and incurable insanity 100
Permanent total loss of hearing
• both ears 30
• one ear 10
Loss of speech 40
Permanent total loss of the lens of one eye 25
Loss of four fingers and thumb of:
• right hand 40
• left hand 30
Loss of four fingers of:
• right hand 30
• left hand 20
Loss of one thumb of:
• both right digits 20
• one right digit 12
• both left digits 15
• one left digit 8
Loss of fingers:
• three right digits 8
• two right digits 5
• one right digit 3
• both left digits 5
• two left digits 4
• one left digit 2
Loss of toes:
• all-one foot 12
• great digits 5
• great digit 3
Fractured leg or patella with established non-union 5
Shortening of leg by at least 5cm 4
Permanent Total Disability
Percentage of Principal Sum payable for Permanent Disability not set forth in the above
schedule shall in its absolute discretion be determined by the Company.
If the Assured is left-handed, the percentage of the various disabilities of right hand and
left hand will be transposed.
Medical Reimbursement (Accident)
If by reason of injury arising while the Assured is not performing any military duty
whatsoever, the company will pay the actual medical expenses incurred within 52 weeks
from date of the accident, up to a maximum limit equal to 1% of the principal sum or
S$1,500 whichever is lower.
Permanent Total Disability
When as the result of injury and commencing within 180 days from the date of the accident,
the Assured is totally and permanently disabled and prevented from engaging in any
occupation or gainful employment for wage, profit, compensation or from giving attention
to any business, whatsoever, the company will pay, provided such disability has continued
for a period of twelve consecutive months and is total, continuous and permanent at the
end of this period, the principal sum is less any other amount paid or payable under this
policy as the result of the same accident, in equal monthly instalments payable at the end
of each month during such total and permanent disability, at the rate of 1% per month for
not more than 100 months.
4 Occupational Classes
PAM 1
PAM 2
PAM 3
PAM 5
1% for 100 months
Administrative duty and / or supervisory duty in a non-combat capacity
Includes mainly personnel in the technical and combat vocations
Personnel dealing with ammunition, heavy equipment and armourment
Aircrew, Naval divers and Commando NCOs

AIA Personal Accident for Military
Premium Rates Table
Occupational Class
Premium rates are inclusive of 7% GST.
Premium Rate Per Thousand Dollars of
Principal Sum (S$)
(A) PAM 1 2.68
(B) PAM 2 4.28
(C) PAM 3 5.35
(D) PAM 5 (Aircrew, Naval Diver &
Commando NCO)
8.03
Benefits Table
RANK
Principal Sum Allowed (S$)
Other ranks & Officer (Lieutenant & below) 30,000 – 100,000
Officer (Captain & above) 30,000 – 200,000
Minimum monthly premium allowed for GIRO: S$10.00
1. Maximum coverage age: 60 years old
2. Premium rates are subject to review by AIA and may be adjusted based on future
experience
Important Notes:
• This insurance plan is underwritten by American International Assurance Company,
Limited (AIA) and all applications are subject to AIA’s acceptance.
• It is discouraged to switch between an existing accident and / or health insurance
policy without considering whether the switch is detrimental, as there may be potential
disadvantages with switching. A penalty may be imposed for early policy termination
and the new policy may cost more or have less benefits at the same cost.
• This brochure is not a contract of insurance. The precise terms and conditions of this
plan are specified in the Policy Contract.
• The information in this brochure is correct as at September 2008.

1 Robinson Road, AIA Tower, Singapore 048542 Monday - Friday: 8.45am - 5.30pm AIA Customer Care Hotline: 1800 248 8000 aia.com.sg
08/2009