Claims can be settled by payment in cash, reinstatement, replacement or repair against loss or damage. As the policy is on first-loss basis OAC will pay losses up to the Sum Insured without the application of average.
Yes. The TCM practitioners must be legally registered with and licenced by the Traditional Chinese Medicine Practitioners Board, Singapore.
If you have two home insurance plans with OAC, you would be paid claims from the policy that gives you a better compensation.
If you have one home insurance plan with OAC and one with another insurance company, both companies will share the loss in proportion to the sum insured.
If your friend/relative gets injured in your flat due to your negligence, you and your spouse are indemnified up to the limits for Worldwide Personal Liability against all sums that you and/or your spouse are legally liable to any third party.
This includes friends and family members who do not stay in the same household.
If your relative staying with you in the same household gets injured due to your negligence, you and/or your spouse are not indemnified to any third party.
This includes friends and family members who stay in the same household.