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For any enquiries, feel free to visit our Customer Care section.

We wish you a pleasant day. 


Customer Service Team
(Operating hours : Monday – Friday : 8.30 am to 6 pm)

 

Where to apply for Care for Life services?

The following are the post offices with Care for Life services:

S/N

BRANCH

ADDRESS

OPERATING HOURS

1 Ang Mo Kio Central Blk 727 Ang Mo Kio Ave 6
#01-4246
Singapore 560727
Mon - Fri
Sat
Sun/P. Hol
8.30 am - 8.00 pm
8.30 am - 3.00 pm
Closed
2 Bedok Central Blk 218 Bedok North St. 1
#01-49
Singapore 460218
Mon - Fri
Wed
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 8.00 pm
8.30 am - 1.00 pm
Closed
3 Bras Basah Blk 231 Bain Street
#01-03 Bras Basah Complex Singapore 180231
Mon - Fri
Sat
Sun/P. Hol
9.30 am - 6.00 pm
9.30 am - 2.00 pm
Closed
4 Bukit Batok Central 1 Bukit Batok Central Link
#05-09 West Mall
Singapore 658713
Mon - Fri
Wed
Sat
Sun/P. Hol
9.30 am - 6.00 pm
9.30 am - 8.00 pm
9.30 am - 4.00 pm
Closed
5 Bukit Merah Central Blk 165 Bukit Merah Central
#01-3689
Singapore 150165
Mon - Fri
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 1.00 pm
Closed
6 Chinatown 101 Upper Cross Street
#B1-17A People's Park Centre
Singapore 058357
Mon - Fri
Sat
Sun/P. Hol
9.30am - 6.00pm
9.30am - 2.00pm
Closed
7 Choa Chu Kang Central Blk 309 Choa Chu Kang Ave 4
#01-03 Choa Chu Kang Centre
Singapore 680309
Mon - Fri
Wed
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 8.00 pm
8.30 am - 1.00 pm
Closed
8 Clementi Central Blk 443 Clementi Avenue 3
#01-65/67
Singapore 120443
Mon - Fri
Wed
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 8.00 pm
8.30 am - 1.00 pm
Closed
9 Clementi West Blk 727 Clementi West St. 2
#01-286
Singapore 120727
Mon - Fri
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 1.00 pm
Closed
10 Crawford Blk 15 Beach Road
#01-4685
Singapore 190015
Mon - Fri
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 1.00 pm
Closed
11 Harbourfront Centre 1 Maritime Square
#03-22 HarbourFront Centre Singapore 099253
Mon - Fri
Sat
Sun/P. Hol
9.00 am - 5.30 pm
9.00 am - 1.30 pm
Closed
12 Hougang Central 90 Hougang Avenue 10
#04-15A Hougang Mall
Singapore 538766
Mon - Fri
Sat
Sun/P. Hol
9.30 am - 6.00 pm
9.30 am - 4.00 pm
Closed
13 IMM 2 Jurong East St. 21
#02-55 IMM Building
Singapore 609601
Mon - Fri
Wed
Sat
Sun/P. Hol
9.30 am - 6.00 pm
9.30 am - 8.00 pm
9.30 am - 3.00 pm
Closed
14 Jurong Point 1 Jurong West Central 2
B1-45 Jurong Point (JP1)
Singapore 648886
Mon - Fri
Sat
Sun/P.Hol
9.30 am - 9.30 pm
11.00 am - 9.30 pm
11.00 am - 9.30 pm
15 Jurong West Blk 492 Jurong West St. 41
#01-42
Singapore 640492
Mon - Fri
Wed
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 8.00 pm
8.30 am - 1.00 pm
Closed
16 Killiney Road 1 Killiney Road
Singapore 239518
Mon - Fri
Sat
Sun/P. Hol
9.30 am - 9.00 pm
9.30 am - 4.00 pm
10.30 am - 4.00 pm
17 MacPherson Road 70 MacPherson Road
Singapore 348475
Mon - Fri Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 1.00 pm
Closed
18 Marine Parade Blk 86 Marine Parade Central
#01-670
Singapore 440086
Mon - Fri
Wed
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 8.00 pm
8.30 am - 1.00 pm
Closed
19 Novena 55 Newton Road
#01-02 Revenue House
Singapore 307987
Mon - Fri
Sat
Sun/P. Hol
8.30 am - 5.30 pm
8.30 am - 1.00 pm
Closed
20 Orchard 2 Orchard Turn
#B2 -62 ION Orchard
Singapore 238801
Mon - Sun
P. Hol
11.00 am - 7.00 pm
Closed
21 Pasir Ris Central 1 Pasir Ris Central Street 3
#04-13 White Sands
Singapore 518457
Mon - Fri
Sat
Sun/P. Hol
9.30 am - 6.00 pm
9.30 am - 3.00 pm
Closed
22 Robinson Road 79 Robinson Road
#01-06 CPF Building
Singapore 068897
Mon - Fri
Sat
Sun/P. Hol
8.30 am - 6.00 pm
8.30 am - 1.00 pm
Closed
23 Rochor Blk 1 Rochor Road
#01-560
Singapore 180001
Mon - Fri
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 1.00 pm
Closed
24 Sengkang Central 2 Sengkang Square
#03-01
Sengkang Community Hub
Singapore 545025
Mon - Fri
Wed
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 8.00pm
8.30 am - 1.00pm
Closed
25 Serangoon Cental Blk 261 Serangoon Central Dr
#01-05/07
Singapore 550261
Mon - Fri
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 1.00 pm
Closed
26 Siglap 10 Palm Avenue
Singapore 456532
Mon - Fri Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 1.00 pm
Closed
27 Singapore Post Centre 10 Eunos Road 8
West Entrance Level 1 #01-02
Singapore Post Centre
Singapore 408600
Mon - Fri
Sat
Sun/P. Hol
8.30 am - 9.00 pm
8.30 am - 4.00 pm
10.30 am - 4.00 pm
28 Sun Plaza 30 Sembawang Drive
B1-07 Sun Plaza
Singapore 757713
Mon - Fri
Sat
Sun/P. Hol
9.30 am - 6.00 pm
9.30 am - 3.00 pm
Closed
29 Tampines Central 1 Tampines Central 5 #01-03
CPF Tampines Building
Singapore 529508
Mon - Fri
Sat
Sun/P.Hol
8.30 am - 8.00 pm
8.30 am - 4.00 pm
Closed
30 Tanjong Pagar Blk 1 Tanjong Pagar Plaza
#01-25
Singapore 082001
Mon - Fri
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 1.00 pm
Closed
31 Thomson Road 246T Upper Thomson Road
Singapore 574422
Mon - Fri
Wed
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 8.00 pm
8.30 am - 1.00 pm
Closed
32 Toa Payoh Central 520 Lorong 6 Toa Payoh
#02-55 HDB Hub (Biz Two)
Singapore 310520
Mon - Fri
Sat
Sun/P. Hol
8.30 am - 8.00 pm
8.30 am - 3.00 pm
Closed
33 Towner Blk 101 Towner Road
#01-204/206
Singapore 322101
Mon - Fri
Wed
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 8.00 pm
8.30 am - 1.00 pm
Closed
34 Woodlands Central 900 South Woodlands Drive
#03-05/06
Woodlands Civic Centre
Singapore 730900
Mon - Fri
Wed
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 8.00 pm
8.30 am - 1.00 pm
Closed
35 Yishun Central Yishun 10 Multiplex 51
Yishun Central 1
#01-09
Singapore 768794
Mon - Fri
Wed
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 8.00 pm
8.30 am - 1.00 pm
Closed

 

 

Payment Protector Plus for ezyCash Customer

Download PDF version

Frequently Asked Questions (FAQs)

Q1: Who is eligible to enroll?
Q2: How does the Payment Protector Plus scheme work?
Q3: What do you mean by Terminal Illness?
Q4: What do you mean by Involuntary Retrenchment?
Q5: What do you mean by the elimination period?
Q6: When does the 30-day period of involuntary umemployment start? Is it from the date I am
Q7: What kind of proof does ACE need for Involuntary Retrenchment?
Q8: What are the situations where the Involuntary Retrenchment Benefit is not claimable?
Q9: How do I enroll for the Payment Protector Plus scheme?
Q10: What do I need to pay to enroll for the Payment Protector Plus scheme?
Q11: How do I pay?
Q12: When will the Payment Protection Plus Insurance cover start?
Q13: When will the Payment Protection Plus Insurance terminate?
Q14: What if I change my mind after I have signed up for the Payment Protector Plus scheme?
Q15: Are there any excluded occupations?
Q16: Is suicide covered?
Q17: What is the claim procedure?
Q18: If I have more questions after receiving the Welcome Pack, whom should I speak with?

 

 

Q1: Who is eligible to enroll?

A1: All EzyCash customers who are at least 21 years old but below 64 years old are eligible for this plan. In addition, you must have been a full-time salaried employee (permanent and contract basis) for a minimum of six (6) months prior to the date on which you loan is disbursed. This means you must:

  1. have been employed as a full-time salaried employee with at least forty (40) working hours per week and making Central Provident Fund contributions;
  2. have been employed as a full-time salaried employee with a minimum of 12-month contract period. Additionally, you have renewed your contract at least once with the same employer;
  3. not have been self-employed, employed to carry out temporary work or employed on a commissioned basis, where commissions contribute more than fifty percent (50%) of your average monthly income; and
  4. if you have been employed for less than six (6) months in your current job, have been employed as a full-time salaried employee by your previous employer for at least twenty-four (24) months

 

Q2: How does the Payment Protector Plus scheme work?

A2: Under the Payment Protection Plus Insurance policy, underwritten by ACE, 100% of your outstanding loan will be paid to GE in the event of Accidental Death, Accidental Total & Permanent Disability or Terminal Illness to a borrower covered under the policy. The coverage is 24-hr, worldwide. Additionally, ACE will pay GE Money up to 4 months of your monthly installment in the event of Involuntary Retrenchment. The Involuntary Retrenchment benefit is claimable after the 90-day elimination period and your involuntary retrenchment lasting more than 30 days.

 

Q3: What do you mean by Terminal Illness?

A3: Terminal illness refers to any disease which in the opinion of a licensed Doctor, is likely to lead to death within 6 months from the date of diagnosis.

 

Q4: What do you mean by Involuntary Retrenchment?

A4: Involuntary Retrenchment refers to unemployment resulting from you being retrenched by your employer and thereafter being unable to find, and not being engaged in, any work for over 30 days. It shall be deemed to start on the day after the last day of employment as specified on the formal notification of retrenchment from your employer. This would exclude situations where employees voluntarily asked to be retrenched due to attractive severance packages offered by their employers or for any other reasons.

 

Q5: What do you mean by the elimination period?

A5: The Elimination Period means 90 days immediately following your policy effective date. In the event of involuntary retrenchment during this period, the Involuntary Retrenchment benefit will not be claimable.

 

Q6: When does the 30-day period of involuntary umemployment start? Is it from the date I am notified of my dismissal or the date my employment contract is officially terminated?

A6: The 30-day period starts from the date your employment contract is officially terminated.

 

Q7: What kind of proof does ACE need for Involuntary Retrenchment?

A7: You need to submit documentary evidence such as a letter from your company’s Human Resource of your involuntary retrenchment.

 

Q8: What are the situations where the Involuntary Retrenchment Benefit is not claimable?

A8: The Involuntary Retrenchment Benefit is not claimable in the following situations:

  1. the Involuntary Retrenchment was known to you whether an official written or oral notice had been given or not.
  2. your employment was terminated because of your misconduct, deficiency in the performance of his duties, resignation or voluntary redundancy.
  3. your employment was terminated at the end of a fixed-term contract, unless the fixed-term contract was for at least twelve (12) months with the same employer and:-
    1. it was renewed at least once; or
    2. you were originally employed on a permanent basis.
  4. your employment was terminated at the end of Temporary Work.
  5. you are Self-Employed.
  6. for any period you are entitled to receive payment in lieu of the termination notice.
  7. where the Involuntary Retrenchment occurs within the elimination period.

 

Q9: How do I enroll for the Payment Protector Plus scheme?

A9: Just tick and sign on the box in the Loan Application Form, and submit the Application to GE. Upon approval of your application, you will receive a Welcome Pack from GE Personal Credit Pte Ltd.

 

Q10: What do I need to pay to enroll for the Payment Protector Plus scheme?

A10: This is dependent on your monthly loan repayment. An administrative fee of 1.85% of your monthly loan repayment is payable to GE. For example, if the personal loan monthly loan repayment is $200, the monthly fee would be $3.70.

 

Q11: How do I pay?

A11: By signing on the Payment Protector Plus section in the Application Form and upon approval of your Personal Loan application, you will be authorizing GE Money to debit your account in the amount of the administrative fee. This monthly fee will be included in the monthly loan instalment calculation.

 

Q12: When will the Payment Protection Plus Insurance cover start?

A12: The cover commences on the date that your loan is disbursed to you.

 

Q13: When will the Payment Protection Plus Insurance terminate?

A13: The cover will terminate once the loan has been fully redeemed either at the end of the full loan term or in the event of an early redemption. This cover will also terminate upon the fulfillment of a 100% claim according to the Table of Benefits.

 

Q14: What if I change my mind after I have signed up for the Payment Protector Plus scheme?

A14: You will be have a 30-day grace period from the date of receipt of the Welcome Pack during which you can choose to withdraw from the Payment Protector Plus scheme. If you wish to withdraw, you must notify ACE Insurance Ltd within the 30 days by sending a written notice by fax or mail. Alternatively, contact ACE Customer Officer at the ACE hotline - 6299 0988, Mondays to Fridays, 9am to 5pm.

 

Q15: Are there any excluded occupations?

A15: No, there aren’t any excluded occupations.

 

Q16: Is suicide covered?

A16: No, suicide, attempted suicide or self-inflicted injury is excluded from the coverage.

 

Q17: What is the claim procedure?

A17: Immediately upon the occurrence of an event for which you are covered, you (or your next of kin) should call the Ace hotline at 6299 0988, , Mondays to Fridays, 9am to 5pm to request for a claim form. This claim form must be submitted to ACE as soon as possible and in any event, within sixty (60) days after the date of the occurrence.

 

Q18: If I have more questions after receiving the Welcome Pack, whom should I speak with?

A18 : If you have questions regarding the way the insurance cover operates, you can speak with an ACE Customer Officer at the ACE hotline - 6299 0988, Mondays to Fridays, 9am to 5pm.

 

Ace Insurance Logo
Regn No. 199702449H
600 North Bridge Road
#08-01 Parkview Square
Singapore 188778

Where to find ezyShield?

The following are the post offices with ezyShield:

S/N

BRANCH

ADDRESS

OPERATING HOURS

1 Ang Mo Kio Central Blk 727 Ang Mo Kio Ave 6
#01-4246
Singapore 560727
Mon - Fri
Sat
Sun/P. Hol
8.30 am -8.00 pm
8.30 am - 3.00 pm
Closed
2 Bedok Central Blk 218 Bedok North St. 1
#01-49
Singapore 460218
Mon - Fri
Wed
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 8.00 pm
8.30 am - 1.00 pm
Closed
3 Bras Basah Blk 231 Bain Street #01-03
Bras Basah Complex
Singapore 180231
Mon - Fri
Sat
Sun/P. Hol
9.30 am - 6.00 pm
9.30 am - 2.00 pm
Closed
4 Bukit Batok Central 1 Bukit Batok Central Link
#05-09 West Mall
Singapore 658713
Mon - Fri
Wed
Sat
Sun/P. Hol
9.30 am - 6.00 pm
9.30 am - 8.00 pm
9.30 am - 4.00 pm
Closed
5 Bukit Merah Central Blk 165 Bukit Merah Central
#01-3689
Singapore 150165
Mon - Fri
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 1.00 pm
Closed
6 Change Alley 16 Collyer Quay
#02-02
Singapore 049318
Mon - Fri
Sat
Sun/P. Hol
8.30 am - 6.00 pm
8.30 am - 1.00 pm
Closed
7 Choa Chu Kang Central Blk 309 Choa Chu Kang Ave 4
#01-03
Choa Chu Kang Centre
Singapore 680309
Mon - Fri
Wed
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 8.00 pm
8.30 am - 1.00 pm
Closed
8 Clementi Central Blk 443 Clementi Avenue 3
#01-65/67
Singapore 120443
Mon - Fri
Wed
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 8.00 pm
8.30 am - 1.00 pm
Closed
9 GE Money House 182 Clemenceau Road
GE Money House
Singapore 239923
Mon - Fri
Sat
Sun/P. Hol
8.30 am - 8.00 pm
8.30 am - 3.30 pm
Closed
10 Hougang Central 90 Hougang Avenue 10
#04-15A Hougang Mall
Singapore 538766
Mon - Fri
Sat
Sun/P. Hol
9.30 am - 6.00 pm
9.30 am - 4.00 pm
Closed
11 IMM 2 Jurong East St. 21
#02-55 IMM Building
Singapore 609601
Mon - Fri
Wed
Sat
Sun/P. Hol
9.30 am - 6.00 pm
9.30 am - 8.00 pm
9.30 am - 3.00 pm
Closed
12 Jurong Point 1 Jurong West Central 2
B1-45 Jurong Point (JP1)
Singapore 648886
Mon - Fri
Sat
Sun/P.Hol
9.30 am - 9.30 pm
11.00 am -9.30 pm
11.00 am -9.30 pm
13 Jurong West Blk 492 Jurong West St. 41
#01-42
Singapore 640492
Mon - Fri
Wed
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 8.00 pm
8.30 am - 1.00 pm
Closed
14 Killiney Road 1 Killiney Road
Singapore 239518
Mon - Fri
Sat
Sun/P. Hol
9.30 am - 9.00 pm
9.30 am - 4.00 pm
10.30 am - 4.00 pm
15 MacPherson Road 70 MacPherson Road
Singapore 348475
Mon - Fri
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 1.00 pm
Closed
16 Marine Parade Blk 86 Marine Parade Central
#01-670
Singapore 440086
Mon - Fri
Wed
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 8.00 pm
8.30 am - 1.00 pm
Closed
17 Pasir Ris Central 1 Pasir Ris Central Street 3
#04-13 White Sands
Singapore 518457
Mon - Fri
Sat
Sun/P. Hol
9.30 am - 6.00 pm
9.30 am - 3.00 pm
Closed
18 Rochor Blk 1 Rochor Road
#01-560
Singapore 180001
Mon - Fri
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 1.00 pm
Closed
19 Sengkang Central 2 Sengkang Square
#03-01
Sengkang Community Hub
Singapore 545025
Mon - Fri
Wed
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 8.00pm
8.30 am - 1.00pm
Closed
20 Singapore Post Centre 10 Eunos Road 8
West Entrance Level 1
#01-02 Singapore Post Centre
Singapore 408600
Mon - Fri
Sat
Sun/P. Hol
8.30 am - 9.00 pm
8.30 am - 4.00 pm
10.30 am - 4.00 pm
21 Tampines Central 1 Tampines Central 5 #01-03
CPF Tampines Building
Singapore 529508
Mon - Fri
Sat
Sun/P.Hol
8.30 am - 8.00 pm
8.30 am - 4.00 pm
Closed
22 Tanjong Pagar Blk 1 Tanjong Pagar Plaza
#01-25
Singapore 082001
Mon - Fri
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 1.00 pm
Closed
23 Toa Payoh Central 520 Lorong 6 Toa Payoh
#02-55 HDB Hub (Biz Two)
Singapore 310520
Mon - Fri
Sat
Sun/P. Hol
8.30 am - 8.00 pm
8.30 am - 3.00 pm
Closed
24 Woodlands Central 900 South Woodlands Drive
#03-05/06
Woodlands Civic Centre
Singapore 730900
Mon - Fri
Wed
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 8.00 pm
8.30 am - 1.00 pm
Closed
25 Yishun Central Yishun 10 Multiplex 51
Yishun Central 1,
#01-09
Singapore 768794
Mon - Fri
Wed
Sat
Sun/P. Hol
8.30 am - 5.00 pm
8.30 am - 8.00 pm
8.30 am - 1.00 pm
Closed

 

 

Payment Protector Basic Terms & Conditions (T&Cs)

Download PDF version

Payment Protector Schedule

Version No. 03/2005

 

1. Payment Protector

1.1 Payment Protection. We have obtained a group insurance policy (“Policy”) from Ace Insurance Limited (“Ace”) which would offer cover for the outstanding amount of your Personal Loan upon the occurrence of certain events if we agree to grant you a Personal Loan and we accept your application for Payment Protector. In the event of any inconsistency between this Schedule and the Policy, the terms of the Policy shall prevail. This Schedule does not create a contract of insurance between you and Ace.

1.2 Discharge from Liability. In the event that we receive payment from Ace under the Policy, you shall be discharged from your liabilities under the Personal Loan to the extent of the cover as stipulated below.

 

2. Cover

2.1 Cover. 100% of the outstanding amount of your Personal Loan, as calculated using the formula in Clause 6.2 of the Terms and Conditions of Personal Loan as at the date of occurrence, shall be covered in the event of:

2.1.1 Accidental Death. You sustain Bodily Injury which results in your death within one hundred and eighty (180) consecutive days from the date of the Accident;

2.1.2 Total and Permanent Disablement. You sustain Bodily Injury which results in Permanent Disablement of the following nature:

(i) Loss of or Loss of Use of both arms or both legs; or
(ii) Loss of or Loss of Use of both hands or both feet; or
(iii) Loss of entire sight of both eyes; or
(iv) Total and Permanent Loss of speech and hearing; or
(v) Total and Permanent Loss of hearing.

2.1.3 Terminal Illness. In the first instance, and not any subsequent instance, that you are diagnosed and confirmed by a Doctor to be suffering from Terminal Illness, provided that you must be alive at least thirty (30) days after the date of the confirmed diagnosis.

2.2 The benefits as described in clause 2.1 above are mutually exclusive and shall not in any event exceed 100% of the outstanding amount of your Personal Loan.

 

3. Exclusions

3.1 Exclusions. You shall not be entitled to the coverage under Payment Protector, if your Bodily Injury is directly or indirectly consequent upon or contributed to by the following:

3.1.1 suicide, or attempted suicide, suicide pacts or agreements, while sane or insane, or self-inflicted injury;

3.1.2 war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or any military usurpation of
power;

3.1.3 your illegal acts;

3.1.4 you were driving, manoeuvring or controlling any kind of vehicle or craft (whether in the air, on land or on water) while the alcohol content of your blood exceeds the level permitted by the law of the country where the Accident occurs;

3.1.5 your engaging in aviation other than as a fare-paying passenger (i) in a fixed-wing aircraft provided and operated by a regularly scheduled airline or air charter company which is duly licensed for the regular transportation of fare-paying passengers; or (ii) in a helicopter provided and operated by an
airline which is duly licensed for the regular transportation of fare-paying passengers, provided such helicopter is operated only between established
commercial airports and/or licensed commercial heliports;

3.1.6 your engaging in professional sport meaning sport where your livelihood is substantially dependent on income received as a result of playing the sport;

3.1.7 you were under the influence of intoxicating liquor, including having blood alcohol content over the prescribed legal limit whilst driving, or being under the influence of any other drug unless it was prescribed by a Doctor and taken in accordance with the Doctor’s advice;

3.1.8 your pregnancy, childbirth, or miscarriage;

3.1.9 your illness, disease, bacterial or viral infection, even if contracted by accident, other than bacterial infection that is the direct result of an accidental cut or wound or accidental food poisoning;

3.1.10 nuclear reaction, radiation, radioactive contamination or nuclear, chemical, biological terrorism; and

3.1.11 any Pre-Existing Medical Condition.

 

4. Claims

4.1 Claims. Immediately upon the occurrence of an event for which you are covered, you (or your next of kin) should contact our customer service to request for a claim form. This claim form must be submitted to Ace as soon as possible and in any event, within sixty (60) days after the date of the occurrence.

4.2 Proof. You are required to supply any documents or evidence as may reasonably be required by Ace, to verify a claim at your expense.

4.3 Medical Examination. Ace shall be entitled to, at Ace’s expense, carry out a medical examination to verify a claim. In the case of conflict between medical opinions, the opinion of Ace’s appointed Doctor shall prevail. Ace shall, in the event of your death, be entitled to have post-mortem examination performed at Ace’s expense where it is not prohibited by law.

4.4 Failure to Notify. Failure to notify or provide proof of claim to Ace within sixty (60) days shall not invalidate a claim if it can be shown, to Ace’s satisfaction, that it was not reasonably possible to give such proof of claim within the prescribed time limit for an otherwise legitimate claim.

4.5 Fraud. Ace is entitled to refuse a claim either in whole or in part , if fraud is involved in the making of such claim.

 

5. Termination

5.1 Notice. You shall be entitled to terminate Payment Protector at any time by giving us 30 days’ notice in writing. We shall be entitled to terminate Payment Protector with immediate effect at any time.

5.2 Automatic Termination. Payment Protector shall be automatically terminated upon:

5.2.1 our receiving payment from Ace in respect of your claim;

5.2.2 your reaching sixty-four (64) years of age;

5.2.3 your having completed payment of all amounts due under the Personal Loan; or

5.2.4 your failing to settle any amounts due under Personal Loan for more than ninety (90) days.

 

6. Definitions

6.1 “Accident” or “Accidental” means a sudden, unforeseen and fortuitous event occurring while cover under Payment Protector is in force;

6.2 “Accidental Death” means death occurring while cover under Payment Protector is in force resulting solely, directly and independently of all other causes from an Accident caused by external, violent and visible means;

6.3 “Biological agent” means any pathogenic (disease producing) micro-organism(s) and/or biologically produced toxin(s) (including genetically modified organisms and chemically synthesized toxins) which cause illness and/or death in humans, animals or plants.

6.4 “Bodily Injury” means injury resulting from an accident and which is not an illness and which:

6.4.1 is caused by violent external and visible means; and

6.4.2 occurs while cover under Payment Protector is in force; and

6.4.3 results within one hundred and eighty (180) days of the Accident; and

6.4.4 results solely and independently of any causes other than:

(i) the Accident; and/or
(ii) sickness directly resulting from medical or surgical treatment rendered necessary by the Accident; and

6.4.5 may include a bodily injury caused by you being directly and unavoidably exposed to the elements as a result of an Accident .

6.5 “Chemical agent” means any compound which, when suitably disseminated, produces incapacitating, damaging or lethal effects on people, animals, plants or
material property.

6.6 “Doctor” means a legally licensed doctor or surgeon duly registered and practising within the scope of his licence pursuant to the laws of the country in which such practice is maintained, and shall not include us, you or any of your relatives unless otherwise approved by Ace.

6.7 “Loss of limb” means loss by complete physical severance of a hand at or above the wrist or of a foot at or above the ankle.

6.8 “Loss of sight” means total and irrecoverable loss of all sight in any eye rendering you absolutely blind in that eye and beyond remedy by surgical or other
treatment.

6.9 “Loss of speech and hearing” means total and irrecoverable loss of speech and hearing which is beyond remedy by surgical or other treatment.

6.10 “Loss of Use” means loss in terms of physical incapacity or disability in all aspects of daily living and not only in terms of your professional or occupational
incapacity or disability.

6.11 “Nuclear, Chemical, Biological Terrorism” means the use of any nuclear weapon device or the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous Chemical agent and/or Biological agent during the period when cover under Payment Protector is in force by any person(s) or group(s), whether acting alone or on behalf or in connection with any organisation(s) or government(s), committed for political, religious or ideological purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear.

6.12 “Paraplegia” means the Loss of use of both legs and the Permanent Loss of Use of part of or whole of the lower half of the body.

6.13 “Permanent” means having lasted twelve (12) consecutive months and at the expiry of that period, being beyond hope of improvement.

6.14 “Pre-existing Medical Condition” means:

6.14.1 any condition for which a Doctor was consulted or for which treatment or medication was prescribed prior to the date of the Confirmation; or

6.14.2 a condition, the manifestation or symptoms of which a reasonable person in the circumstances would be expected to be aware of at the date of the
Confirmation.

6.15 “Quadriplegia” means the Loss of Use of both arms and both legs.

6.16 “Total and Permanent Disablement” means if you suffer a Permanent Loss of Use, Quadriplegia or Paraplegia as a result of an Accidental Injury and a Doctor certifies this.

6.17 “Terminal Illness” means you must be suffering from a disease which in the opinion of a Doctor and supported by Ace’s Doctor, is likely to lead to death within six (6) months from the date of diagnosis.

 

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