| 1: | What is Hospital Accident Care? |
| | | Ans: Hospital Accident Care plan is a hospital income plan that pays you daily cash benefit of S$350 if you are hospitalized due to an accident for up to 730 days. This benefit doubles to S$700 if you are admitted to Intensive Care Unit (ICU), up to a maximum of 730 days. |
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| 2: | Who can apply Hospital Accident Care? |
| | | Ans: This plan is eligible to all OCBC customers who have a deposit/Credit Card/EasiCredit account. You can also apply Hospital Accident Care for your spouse and child(ren). |
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| 3: | Are there any age criteria in applying Hospital Accident Care? |
| | | Ans: The insured adult must be aged from 21 to 59 years old and the insured child must be aged from 1 to 17 years old to apply. For the insured adult, this plan is automatically renewed up to age 65 years old. |
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| 4: | Does an insured child enjoy the same benefit limit as an insured adult? |
| | | Ans: An insured child is covered at a lower limit, i.e. an insured child receives a daily cash benefit of S$200 if he/she is hospitalized due to an accident for up to 730 days or S$400 if admitted to Intensive Care Unit (ICU) for up to 730 days. |
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| 5: | Can I apply Hospital Accident Care for a third party? |
| | | Ans: You can only apply Hospital Accident Care for your spouse and children. Your relatives and friends can apply Hospital Accident Care on their own if they are OCBC account holders. |
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| 6: | Are there any eligibility criteria on occupation? |
| | | Ans: Yes, the excluded occupations are: police force personnel, fire service personnel, civil defense personnel, CISCO personnel, military personnel, chauffeurs, tax/dispatch/heavy vehicle/delivery drivers, security officers/guards, diver, cabin crew or pilot and those involved in underground work or offshore work or operation. |
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| 7: | I already have a Hospital Accident Care policy with OAC, can I still apply? |
| | | Ans: No, because you can only be covered under one Hospital Accident Care policy with OAC. |
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| 8: | I already have a Hospital Accident Care policy with OAC. But I want to apply for my spouse and/or children. What should I do? |
| | | Ans: To add coverage for your spouse and/or children, please contact OAC Customer Service at 6248 2662 (Mon - Fri, 9am - 5pm) for assistance. |
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| 9: | I already have a hospital income plan with other insurer. Can I still apply Hospital Accident Care? |
| | | Ans: Yes, you can as this plan pays on top of your existing plan with the other insurer. |
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| 10: | Who can I contact at Overseas Assurance Corporation Ltd for more information? |
| | | Ans: You can contact our Customer Service Officers at Overseas Assurance Corporation Ltd at 6248 2662 from Monday to Friday, 9am to 5pm. Alternatively, you can email to csbancassurance@oac.com.sg. |
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| 11: | How do I apply for Hospital Accident Care? |
| | | Ans: You need to have an existing account (Deposit/ Credit Card/EasiCredit) to Hospital Accident Care online. You need to:
• Fill up your particulars, your spouse's and children’s details (if enrolling) on the online application form.
• Enter your promotional code, if you have any, to enjoy additional discount off your premium.
• Select the account for the premium amount to be debited from. Please ensure that the account selected has sufficient balance for premium debiting.
• Click on the "preview" button to proceed.
• Once you have confirmed that all information provided is correct, click on "submit" to activate.
• Upon successful submission, your application for Hospital Accident Care is completed.
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| 12: | After I submit the application, when can I receive the policy contract? |
| | | Ans: You will receive the policy contract and documents 5 working days after the submission date. |
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| 13: | How do I make a claim? |
| | | Ans: To make a claim, you can contact our Customer Service Officers at Overseas Assurance Corporation Ltd at 6248 2628 from Monday to Friday, 9am to 5pm. |
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| 14: | Do I have to renew the policy every month? |
| | | Ans: This is an automatic renewal policy on a monthly basis. As long as the monthly premium can be debited from the designated OCBC account by the premium due date, the policy will be renewed. Hence, you are advised to ensure that the nominated OCBC account has sufficient balance for debiting by the premium due date. |
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