TM365

Personal accident plan by Tokio Marine. Base premium from S$40/yr. Accidental death up to S$300,000, permanent disability up to S$300,000.

By MoneyAtlas Research · Verified 12 Jul 2026 · How we verify & rank

Last verified 12 Jul 2026 · 2 official sources · pa-2026-07-12

Last verified12 Jul 2026

Data versionpa-2026-07-12

Verified sources2 of 2

From the insurer's official product page. A headline sum is a ceiling; actual payout depends on the event, disability scale, occupation, exclusions and policy wording.

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Premiums (base cover)

Plan	Occupation	Cover	Annual premium
Plan B	Occupation Class 3	Base	S$280
Plan C	Occupation Class 3	Base	S$500
Plan D	Occupation Class 3	Base	S$740
Plan A	Child	Base	S$40
Plan B	Child	Base	S$65
Plan C	Child	Base	S$115
Plan D	Child	Base	—
Plan A	Occupation Class 1	Base	S$85
Plan B	Occupation Class 1	Base	S$130
Plan C	Occupation Class 1	Base	S$230
Plan D	Occupation Class 1	Base	S$330
Plan A	Occupation Class 2	Base	S$110
Plan B	Occupation Class 2	Base	S$180
Plan C	Occupation Class 2	Base	S$320
Plan D	Occupation Class 2	Base	S$450
Plan A	Occupation Class 3	Base	S$200

Plan facts

Occupation basisOccupation Classes 1–3

Entry age18 to below 70 at commencement

Renewal / continuationIf enrolled before 65, may renew to 85; plan restrictions apply from age 75

PricingPublished schedule

PlansPlan A · Plan B · Plan C · Plan D

Benefits

Accidental death / permanent disability50,000 | 100,000 | 200,000 | 300,000

Accident medical2,000 | 4,000 | 6,000 | 8,000

Public conveyanceDouble benefit subject to terms.

Weekly incomeAvailable up to 104 weeks subject to selected plan and disability definition.

Hospital / ICUDaily hospital and ICU cash benefits apply by plan.

RecoveryEvacuation/repatriation, trauma, mobility aid, home/vehicle modification, caregiver and compassionate fund benefits.

The balanced take

AI-drafted · human-reviewed · 14 Jul 2026

A low-entry-cost plan that reaches manual-job occupations and offers long continuation for early joiners, with more modest capital limits than premium plans.

Commonly praised

Low published entry premium
Covers manual (Class 3) occupations
Long continuation age for eligible early entrants

Common trade-offs

Published price is before GST
Capital limits lower than high-limit plans
Restrictions apply from age 75

AI-drafted from this plan's documented strengths and trade-offs, then reviewed by our team. It is an educational synthesis of published product facts — not consumer reviews, an insurer statement, or financial advice. Confirm details with the insurer or a licensed adviser.

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Tokio Marine TM365figures are indicative, for comparison and education only, from the insurer’s published 2026 material. Actual premiums, occupation loading, eligibility, exclusions and payouts depend on your circumstances and the policy contract. This page does not rank plans or recommend a product. Confirm with Tokio Marine or a licensed financial adviser before any decision.