(1) The Insured will need to indemnify Liberty Insurance Pte Ltd for all sums that Liberty Insurance Pte Ltd may incur arising out of the Letter of Guarantee.

Premiums stated above are inclusive of GST (if applicable) and subject to changes without prior notice.

In the event that Liberty Insurance is required to make payment under the Security Bond required by Ministry of Manpower, the Proposer will need only reimburse Liberty the “Excess” amount, provided that the payment is not caused by or resulting from the Proposer’s breach of the conditions under the Security Bond.

The “Excess” amount will vary as follows:

• A. S$250 if this extension of coverage is purchased when the insurance package is first arranged subject to a waiting period of 30 days from the policy inception date
• B. S$500 if this extension is purchased mid-term but within one month of the policy inception date subject to a waiting period of 30 days from the date of inclusion

Cancellation Refund Policy

Cover ceases automatically from the date of the Letter of Discharge from Ministry of Manpower, Liberty Insurance will refund the premium based on the following Short-term Refund Table. No premium refund shall be given in the event of a claim.

Short-term Refund Table:

Notes

1. Persons eligible to apply

• The Insured Person must be in the immediate employment of the Insured and holds a valid work permit.
• Age 64 years old and below

2. Major Exclusions

• Pre-existing conditions*
• Illness, disease, mental defect, infirmity or insanity
• AIDS and diseases associated with HIV
• Pregnancy, childbirth, abortion, miscarriage, and or its complications
• Suicide or self-inflicted injury
• Drug or alcohol abuse
• War and nuclear related events
• Participation in under-water activities involving artificial breathing apparatus, hunting, potholing, parachuting, sky diving, mountaineering and rock climbing necessitating the use of guides or ropes
• Flying or other aerial activity except as a fare-paying passenger
• Any kind of speed contest or racing (other than foot) and motor rallies

Pre-contract disclosure for medical insurance plans for Work Permit Holders

This product provides coverage for the following features that comply with the Ministry of Manpower’s (MOM) enhanced Medical Insurance (MI) requirements:

*These features are to be implemented on/after 1st July 2025 in accordance with MOM’s Stage 2 requirement under enhanced MI for Work Permit and S Pass Holders

This policy 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 (servicecenter@libertyinsurance.com.sg) or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).