- Class I
“White collar workers” and personnel whose duties are office related, but not subject to other factors that would increase their risk e.g. attorneys, office managers, clerical & administrative employees, commercial and city salesmen who do not make deliveries
- Class II
Occupations where some degree of risk is involved e.g. supervision of manual workers, totally administrative job in an industrial environment, light manual labor (excluding those who use machinery, travelling salesmen, surveyors and merchants)
- Class III
Occupations involving regular, light to medium manual work but no substantial hazard which may increase the risk of sickness or accident e.g. industrial workers, most of whom are skilled or semi-skilled workers using light machinery, petrol station attendants, farmers who do not do manual labor, carpenters (excluding those who use power driven woodworking machinery) and taxi drivers.
- Class IV
High risk occupations involving heavy manual work, including hot works, industrial workers who use heavy machinery and unskilled laborers
For other occupations, applications will be considered based on details received.
Please refer to the policy contract for the full details of benefits, terms and exclusions that are applicable. The information provided here is a brief summary for quick and easy reference. The exact terms and conditions that apply are stated in the policy contract.