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Frequently Asked Questions

Why is it important to make an accident report?

The accident report will provide us with the necessary information should there be any claims made against you for the accident. Failure to report the accident may result in you handling and settling any claims on your own.

Who is eligible for ECICS Personal Accident Insurance?

The Insured Person must be: - a resident of Singapore who is permanently residing in Singapore; and - between 18 and 65 years old (both inclusive) at the time of application.

What is a Security Bond?

A Security Bond is a commitment to reimburse the government if either you or your FDW violates or fail to adhere to the terms and conditions of the work permit. This bond typically takes the form of a banker's or insurer's guarantee. For each FDW you employ (excluding Malaysian helpers), you are required to purchase a $5,000 security bond.

How do I get a quote?

Contact us at +65 6206 5588 (Mon - Fri excluding Public Holiday, 8:30am - 6:00pm) or write to us at customerservice​@ecics.com.sg.

How will I receive my Shell Fuel e-Voucher?​

You will receive a redemption link via the email address provided during your insurance application within 3 to 4 months from your policy activation date. The Shell Fuel e-Voucher will be credited to your Shell App upon successful redemption.​

What does the Enhanced MaidAssure Insurance cover?

Enhanced MaidAssure is a comprehensive insurance plan for your Foreign Domestic Worker (FDW) that covers the following benefits:- Accidental Death or Permanent Disablement,- Hospital & Surgical Expenses,- Replacement/Re-hiring Expenses,- Wages & Levy Reimbursement,- Repatriation Expenses,- Insurance bond guarantee.For more information, please refer to the policy wording. Alternatively, feel free to call us at +65 6206 5588, WhatsApp us at +65 8956 5588, or email us at customerservice@ecics.com.sg.

How do I determine the effective date of the policy?

Here's how you can determine the effective date based on each situation:For New FDW:The policy's effective date should be the date your FDW arrives in Singapore. This ensures that insurance coverage begins when the FDW starts her employment duties upon arrival in the country.For Transferred FDW:The policy's effective date should be the day you wish to apply for the issuance of her work permit at MOM. This ensures that insurance coverage is in place when the FDW's work permit is processed and approved for transfer to your employment.For Renewal FDW:The policy's effective date should be one day after the current work permit's expiry date. This ensures that insurance coverage seamlessly continues without any gaps when renewing the FDW's work permit for continued employment.

Why is the policy not exactly 12 or 24 months?

The coverage period for our Enhanced MaidAssure is 14 months or 26 months with the additional 2 months included as mandated by the Ministry of Manpower (MOM) in case the FDW overstays in Singapore after her work permit expires.

What are the payment methods available?

We accept payment via Visa/Master Retail Debit or Credit Card online.

What is MOM's Enhanced Medical Insurance Requirements?

To implement for MI policies, renewals or extensions with start date effective from:1 July 2023 (Stage 1)• Introduction of a co-payment element* for employers and insurers for amounts above $15,000, up to an annual claim limit of at least $60,0001 July 2025 (Stage 2)• Standardisation of allowable exclusion clauses• Introduction of age-differentiated premiums for those aged 50 and below, and those aged above 50• Requirement for insurers to reimburse hospitals directly upon the admissibility of the claimPlease visit MOM's website here for more information on the MI enhancements.

What is the time frame for me to report the accident?

Report the accident to us within 24 hours or by the next working day and our representatives will help you with the accident reporting.

How should I declare my claims?

Please declare all claims (excluding windscreen claims) made against your private car insurance during the past 3 years.

Do other insurers recognize this No Claim Discount Protector (NCDP)?

Generally, No Claim Discount Protector (NCDP) are not transferrable from one insurer to another insurer. However, we recognize other insurers’ NCDP.

What are the actions I need to take at the accident scene?

You should remember to take note on the following (if the traffic condition permits):Take photos and videos of the accident scene, surrounding areas, damaged property and the damages of the vehicles involved together with their license plate numbers.Exchange particulars with all drivers involved in the accident.Actual road name and any prominent landmarks.If possible, take down the particulars of all injured persons and note the extent of the injuries sustained.

Do you have Excess Waiver in your Private Motor Car insurance policy?

Yes, we offer complimentary excess waiver of up to $750 (depending on your current NCD%) for the first claim in a policy year when you repair your accident car at ECICS’s authorized workshops and share your in-car cctv footage with us.

Do you cover everyone who use my motorcycle?

All riders need to be named in the policy. Unnamed riders are not covered.