Question 1

Can I purchase Bubblegum Personal Accident if I am not a Singaporean?

Accepted Answer

Yes, you can, as long as you hold a valid Singapore identification document such as a Singapore NRIC, Employment Pass, Work Permit, Long Term Visit Pass, Student Pass, Dependent's Pass or other recognised work pass entitling the holder to remain in Singapore.

Question 2

What are the age limits?

Accepted Answer

You must be between 18 and 65 years old on the first effective date of the Policy, or up to 80 years old for renewal policies. For your children, they must be between 30 days and 18 years old and this can go up to 24 years old if they are registered as full time students at an Educational Institution.

Question 3

What are the types of Occupation Classes?

Accepted Answer

The premiums for Bubblegum Personal Accident policies are priced according to your current Occupation Class and this is categorised by Non-Manual and Manual Occupation classes.

**Non-Manual**: Occupations of admistrative indoor or outdoor nature or involving light manual work without the use of tools or machinery or anything hazardous (eg. architect, doctor, salesperson, homemaker, waiter)

**Manual**: Occupations involving manual work with the use of tools or machinery or whose work environment is in high altitude or of hazardous nature (eg. baker, driver, mechanic, plumber, veterinarian, security guard)

Do note that there are some exclusions for when an Insured Person is performing any of the following occupational activities:
a. Full time military, airforce, navy, police and civil defence personnel (other than activities that are sedentary desk-bound duties, SG National Service or reservist training);
b. Any professional sportsman, motor car/bike racer, entertainer, stuntman, jockey, wood working welding;
c. Any air/sea crew;
d. Any off-shore Occupations (ship crew, diver, oil-rigger, fisherman);
e. Any construction worker; and/or
f. Worker engaged in maintenance, cleaning, roofing or repair activities involving scaffolding or gondolas.

For more information and the full list of exclusions, please refer to the Policy Wordings.

Question 4

Can I purchase this policy for my family?

Accepted Answer

Yes, you can purchase a plicy for your legally married spouse and children. However, parents, parents-in-law and siblings are not permitted."

Question 5

Am I required to have a medical examination?

Accepted Answer

No medical examination is required.

Question 6

Are there Exclusions in the Policy?

Accepted Answer

Yes, exclusions include pre-existing conditions, certain occupational activities and childbirth/pregnancy. For more information and the full list of exclusions, please refer to the Policy Wordings.

Question 7

Can I purchase coverage for more than one child?

Accepted Answer

Yes, our plans cover up to 10 children.

Question 8

Does the policy provide coverage for senior citizens?

Accepted Answer

We cover adults aged 18 to 65 (inclusive) at the start of the policy. For renewals, coverage extends up to 80 years old.

Question 9

How do I make a claim?

Accepted Answer

You can contact the Claims Department at CustomerService@allianz.com.sg or 1800 222 1818 as soon as possible and complete a Claim form to assist the claim process. Written proof of the accident such as police report, invoices and all supporting documents must be furnished as proof of claim.

Question 10

If I have more than one Personal Accident Policy with different insurers, can I claim under all policies?

Accepted Answer

Yes, certain benefits such as death and disablement benefits are claimable under all policies. For any expenses actually incurred such as Medical and Surgical expenses, only the amount that is not recoverable from any other insurance policies will be reimbursed.

Question 11

Am I covered for an accident while overseas?

Accepted Answer

Yes, provided that you did not reside outside of Singapore for more than 90 consecutive days before the Accident. If you did reside outside of Singapore for more than 90 consecutive days, then only the Death and Permanent Disability benefits are payable

Question 12

What is the time limit for submitting my Personal Accident claim?

Accepted Answer

You’ll need to submit your claim within 30 days of the incident.

Question 13

What types of medical expenses are covered under the policy?

Accepted Answer

We cover a range of medical expenses, including:
- **Ambulance or taxi services** in Singapore, to and from the hospital.
- **Hospitalisation costs**, including room and board.
- Inpatient and surgical treatments, and outpatient care when referred by a recognised medical practitioner.

Question 14

Are accidental death and injuries sustained during sports and recreational activities covered under a personal accident policy?

Accepted Answer

Yes! We cover most amateur sports for leisure, but **not** for activities where you earn income. There are a few exceptions. we **don’t** cover high-risk activities like:
- Parachuting & hang-gliding
- Underwater diving deeper than **50 meters**
- Mountaineering that requires ropes or mechanical guides

Question 15

Are treatments by a Chiropractor, TCM Practitioner, or Physiotherapist covered under this policy?

Accepted Answer

Yes, you’ll be reimbursed up to $100 per consultation per day, with a total limit of 20% of the Sum Insured (the Sum Insured for you depends on which tier of plan you bought, and can be found in your Policy Document).

Question 16

What is covered under the Infectious Disease Hospitalisation Benefit?

Accepted Answer

If you’re hospitalised due to an infectious disease, we’ve got you covered. Some of the diseases included are:
- Chikungunya Fever
- Dengue Fever/Dengue Hemorrhagic Fever
- Food and Drink Poisoning
- Diphtheria
- Hand, Foot, and Mouth Disease (HFMD)
- Measles
- Mumps
- Pertussis
- Rubella
- Zika Virus

If you want to check on if a specific disease or illness is included, you can ask [Bubblegum Support](https://wa.me/6598313220) and we will get you an answer.

Question 17

What are the conditions for claiming under the Infectious Disease Benefit?

Accepted Answer

To claim this benefit:
- The disease must be diagnosed by a registered Medical Practitioner.
- The first diagnosis must happen at least 30 days after the first effective date of your policy.

Question 18

Is the policy automatically renewed?

Accepted Answer

Yes, your policy will automatically renew unless you send us a cancellation notice.

Question 19

What happens if I miss a premium payment?

Accepted Answer

We know that sometimes problems can occur with making payments. That’s why we offer a grace period* if a payment is unsuccessful. You can contact Bubblegum Support any time for help too.

If a premium is not paid within the grace period provided your coverage will lapse.

_*Grace period:_
- _Personal Insured: 30 days_
- _Corporate Insured: 60 days_

Question 20

What happens if I change my mind after buying?

Accepted Answer

We give every customer a 14-day free look period, which means that if you cancel within 14 days of purchasing and have not made a claim, you’ll get a full refund, even if your policy had already started!

This only applies to your first policy and not to renewals.

After this point, you can still cancel your policy at any time, and you might be eligible for a partial refund.

Question 21

What should I do if my address or contact details change?

Accepted Answer

Keep us in the loop! Let us know as soon as you can and we can update our records. You can also manage your contact details from your profile after logging in to your account.

Question 22

Will my premium increase with age?

Accepted Answer

No, the premiums for Bubblegum Personal Accident Insurance do not increase with age.

Question 23

Can I cancel the Policy? Will there be any refund of premiums?

Accepted Answer

Yes! You can cancel anytime if no claims have been made. Just email us at [support@bubblegum.co](mailto:support@bubblegum.co).
- If you cancel within 14 days of receiving the policy (the ‘free look’ period) or before the start date, you get a full refund.
- If you cancel an annual plan, you’ll receive a pro-rata refund (provided the total refundable amount is over $50). The refundable amount is calculated pro-rata based on whole or full months remaining on your annual plan. Pay-monthly plans are not eligible for any refund.