Protect the home you love

Transcription

1 e-home Protect the home you love

2 e-home You ve put your heart, soul and hardearned income into your home. Home is the sanctuary where the people and things you love reside, so it s important to feel that their safety is assured. e-home from ECICS Limited protects your home and everything within it with affordable, comprehensive and customisable coverage. e-home can be personalised to suit the level of coverage you are most comfortable with, and there s no penalty for underinsurance you are always protected up to the maximum insured sum. Rest assured that your home, your belongings and your loved ones are protected with e-home Highlights and Coverage: Coverage of $100,000 for building damages and fixtures Up to $20,000 for alternative accomodations or loss of rent Up to $20,000 for professional fees to reinstate the building Coverage of contents: $25,000 Personal liability in Singapore: $500,000 Personal accident protection: $10,000 each (Policy holder & spouse) Easily Customisable Coverage: e-home can be personalised to suit your specific needs as well as to cover for different types of homes. Talk to us about your own needs, or ask your insurance representative for assistance.

3 Get in touch with an ECICS Insurance representatives and talk to us today to learn how you can protect your home. Phone Web About us: ECICS Limited is a wholly owned subsidiary of IFS Capital Limited ( IFS ) We are a licensed general insurer regulated by the Monetary Authority of Singapore ( MAS ) and we provide the full range of general insurance business lines in the Singapore market and also provides credit insurance, bonds and guarantees. Rated A- (Excellent) for financial strength and an A- for issuer credit rating by A.M. Best. Notes: 1. This pamphlet is to be used for information purposes only, and does not constitute a Contract of Insurance. For detailed coverage terms and conditions, kindly refer to the documents of the policy. 2. This policy is subject to the Premium Before Cover Warranty that requires the premium to be paid and received by ECICS Limited on or before the policy inception date. 3. This plan is protected under the Policy Owners Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the General Insurance Association (GIA) or SDIC website ( or 4. e-home is underwritten by ECICS Limited. Declaration: In submitting this Proposal Form, I declare that the following are true: 1. The insured property is built from bricks, concrete or reinforced concrete. The building is in a good state of repair. The property will be maintained properly for the duration of the policy. 2. The insured property is in no part being used for commercial reasons, be it trade, business, profession or paid guest accomodations. 3. I have not filed a prior claim for a similar home insurance policy within the past 24 months. 4. I have not had a similar home insurance policy application turned down by another insurer, nor have I had such a policy terminated or refused renewal. 5. I have not had a premium for a similar policy raised, nor have any special conditions been imposed on any such past policies. 6. I have been made aware that I can seek the advice of an authorised insurance adviser before any policy is purchased. I am thus wholly responsible for ensuring that e-home is deemed the most appropriate policy for my unique coverage needs and financial situation. 7. I declare that the holder of any credit card used to purchase this policy is aware of the purchase and authorises the use of the credit card for this purpose. 8. All the information contained in this Proposal Form is correct and true. All such information will be used to form the Contract of Insurance between ECICS Limited and myself. In submitting the Proposal, I accept all terms and conditions of the policy as set forth by the insurer. I acknowledge that I have read, understood and accept ECICS Privacy Policy statement. Personal Data Protection: In relation to the personal data collected for this insurance Policy, You agree and acknowledge that: a. We may collect, use and disclose the personal data for the purposes stated in its Privacy Policy, which include underwriting and administering the insurance Policy (including reinsurance/underwriting, claims processing, investigation, payment and other related purposes); b. We will not use, disclose or process the personal data for purposes which are not stated in the Privacy Policy or for which Your consent have not been obtained. If We wish to use, disclose or process the personal data for another purpose We will seek Your prior written consent. c. We may disclose the personal data for the purposes to a related corporation; subsidiaries, holding companies, associated companies, or affiliates of, any credit bureau; any other person to whom disclosure is permitted or required by any law; and Our third party service providers and agents (acting on our behalf). Those recipients may be located in or outside Singapore. d. If You have provided Us with personal data of any individual (other than Your own), You undertake, represent and warrant to Us that You have obtained such other individual(s) consent for, and hereby consent on behalf of such individual(s) to, the collection, processing, use and disclosure of his/her personal data by Us. 1. The consent above is independent of the Proposal Form and relevant policy applied for. 2. This includes telephony, text messages and facsimiles via my/our telephone numbers listed in this Application Form as well as other telephone numbers the Companies may have on record. The information contained in this brochure is correct as at JAN/2016. ECICS Limited (Reg No C) 7 Temasek Boulevard, #10-01 Suntec Tower One. Singapore Signature of Proposer Date Agent Code

4 Proposal Form for e-home Pursuant to section 25(5) of the Insurance Act Cap 142 or any subsequent amendment thereof, you must tell us (ECICS Ltd) in this Proposal Form fully and faithfully all facts which you know, or ought to know. Otherwise, you may receive nothing from the Policy. PART 1 PREMIUM FOR e-home Building (First loss basis) Contents (First loss basis) Annual Limit S$100,000 S$25,000 TOTAL A Annual Premium (w/gst) S$107 S$107 EXTENDED BENEFITS Annual Limit Personal Liability (In Singapore) S$500,000 Personal Accident (Policyholder and spouse) S$10,000 each & S$1,000 Medical Expenses each Compassionate allowance (Any one of these benefits) 1. Home quarantine order $ SARS/Bird Flu (H5N1) $ Dengue fever/hfmd $100 PART 2 ADDITIONAL COVERAGE (OPTIONAL) Top-up Coverage Annual Limit Rate Annual Premium (w/gst) Building (First loss basis, including renovations, fixtures & fittings) S$ % S$ Contents (First loss basis) S$ % S$ Total coverage (part 1 + part 2) available up to a maximum of $1,000,000 TOTAL B TOTAL PREMIUM (A + B) PROPOSER S PARTICULARS (Please indicate and fill in accordingly) Mr Mrs Miss Mdm Dr Name Occupation Marital status Single Married Gender M F NRIC No. Nationality Date of birth / / Address dd mm yy DETAILS OF PROPERTY TO BE INSURED Risk location (If differ from address) Postal code Type HDB Private (Apartments/Condominium/EC) Commences on / / for a year dd mm yy Please indicate if property to be insured is Owner occupied Tenant occupied Rented out as landlord Contact No. (Hp) (O) Postal code (H) PAYMENT (Please indicate and fill in accordingly) By Cash By Cheque No. Cheque made payable to ECICS Limited By Credit Card Visa Mastercard Name on card Expires / mm yy NRIC No. Signature

5 Coverage summary BASIC COVERAGE ANNUAL LIMIT BUILDING (FIRST LOSS BASIS) S$100,000 Including renovations, fixtures & fittings 1. Alternative accomodation/loss of rent 10% of building sum insured or $20,000, whichever is lower 2. Professional fees 10% of building sum insured or $20,000, whichever is lower CONTENTS (FIRST LOSS BASIS) S$25, Personal belongings 10% of content sum insured or $5,000, whichever is lower 2. Cash 10% of content sum insured or $2,500, whichever is lower 3. Burglary $25, Replacement of locks & keys $ Removal of debris $ Deterioration of frozen food $200 EXTENDED BENEFITS Personal Liability (In Singapore) S$500,000 Personal Accident S$10,000 each Policyholder and spouse 1. Medical expenses $1,000 each Compassionate allowance (Any one of these benefits) 1. Home quarantine order $ SARS/Bird Flu (H5N1) $ Dengue fever/hfmd $100 Premium for 1 year (w/gst) S$107 Note: 1. You may increase the Sum Insured for Building and Contents subject to an additional premium. 2. Total coverage is subjected to maximum sum insured of $1,000, Product suitable for all HDB, Executive Condominiums (EC), Service Apartments and Private Condominiums.