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“Tokio Marine Insurance Group” means “Tokio Marine Life Insurance Singapore Ltd.” and “Tokio Marine Insurance Singapore Ltd.

It is agreed that all intellectual property rights in the pages and in the screens displaying the pages, and in the information and materials and in their arrangement, are owned by us unless otherwise indicated.


By using and/or accessing this website and the services available therein ("Services"), you expressly acknowledge your assent to the following terms and conditions of usage without any limitation or qualification whatsoever. Accordingly, you are urged to read and understand these terms and conditions carefully prior to using this website and the Services. As these terms and conditions may be amended or revised at any time and as deemed solely by Tokio Marine Insurance Group without any prior notice to you, you hereby agree that you shall be bound by any such amendments, revisions or up-dates when you continue to use and/or access this website and the Services after these terms and conditions have been amended or revised, and you are therefore advised to periodically visit this page to review the applicable terms and conditions to which you are bound to. If you do not agree to be bound by these terms and conditions, please do not access and/or use this website.


Our Data Protection Policy describes our collection, use, disclosure, processing and protection of non-public personal information and personal data ("customer information") and will help you understand how we treat the customer information that we obtain from you or other sources in the course of providing you with products and services. We strongly advise you to read and understand our Data Protection Policy.


Links from this website to other websites are meant for your own information and convenience only. Such websites may be linked to other websites which are owned and maintained by third parties and as such are not under the control of Tokio Marine Insurance Group. Therefore, Tokio Marine Insurance Group does not assume any responsibility or liability with respect to any of those websites (or any website linking into this Site) in any way whatsoever (including its content and operation). Your access and use of the third party websites are entirely at your own risk. Without the express written consent of Tokio Marine Insurance Group, no person, company and no website may make a link to this Site, whether to its homepage or to any internal page.


Whilst every reasonable effort is made to include accurate and up to date information on this website and Services, errors or omissions may sometimes occur. As a result, Tokio Marine Insurance Group makes no warranties or representations as to the accuracy, completeness or fitness for a particular purpose of this website and Services and under no circumstances, including, but not limited to, negligence or wilful default, shall Tokio Marine Insurance Group, its directors, employees, agents, authorised representatives or any party involved in creating, producing, or delivering the website or Services be liable to you for any direct, incidental, consequential or indirect loss, damage, expense and costs whatsoever or howsoever arising and suffered by you or any of your personnel as a result of your reliance or use thereof, or the inability to use by any party the materials on this website or Services or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, malicious code, corruption, or line or system failure, even if any entity of Tokio Marine Insurance Group or its directors, employees, agents, authorised representatives have been advised of the possibility of such damages, losses, expenses or costs. You acknowledge and agree that you will make your own enquiries to determine whether the information you obtain through the website or Services is current, complete and accurate before using it. Tokio Marine Insurance Group is not responsible for any loss you suffer or incur as a result of your failure to comply with this paragraph.

Tokio Marine Insurance Group also assumes no responsibility, and shall not be liable for, any damages, costs to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or Services or your downloading of any materials, data, text, images, video, or audio from this website or Services. You have sole responsibility for adequate security, protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses, Trojan Horses or other destructive properties.


You agree to indemnify and hold each entity of the Tokio Marine Insurance Group and its directors, employees, agents, authorised representatives harmless from any claim or demand, including solicitors' fees, on a solicitor-client basis, made by any third party due to or arising out of your use of the website or the Services and/or, your violation of these terms and conditions, or the infringement by you of any intellectual property or other rights of any person or entity.


Tokio Marine Insurance Group will use reasonable endeavours to generally make the website and Services available during our normal business hours. However, the availability of the website and Services depends on various third-party suppliers, and accordingly, Tokio Marine Insurance Group does not warrant or guarantee:

You acknowledge that the website and/or Services may not be available for use from time to time, and that you may be disconnected from your use of the website and/or Services at any time for any reason, including if:

Tokio Marine Insurance Group makes no guarantee as to the reliability or other performance of the website and Services. The performance of the website and Services depends on various factors, including the functions, capacity and configuration of your device, the speed of your internet connection, and the number of users accessing the systems which support the website and Services. You are responsible for providing and maintaining, at your own risk, option and expense, any hardware, software and communication lines required to access and use this website and Services, and Tokio Marine Insurance Group reserves the right to change the access configuration of this website and Services at any time without prior notice.


You acknowledge that the contents, including but not limited to text, software, music, sound, photographs, video, graphics, trademarks, logos and/or other material contained in either electronic facility-distributed or commercially produced information presented herein to you in connection with the Services (the ”Content”) by Tokio Marine Insurance Group is protected by applicable copyright, trademarks, service marks, patents or other proprietary and intellectual property rights and laws; therefore, you are only permitted to use this Content to the extent as expressly authorised by the website and the Service. You may not copy, reproduce, distribute, or create derivative works from the Content without expressly being authorised in writing to do so by Tokio Marine Insurance Group.


You agree to comply with all applicable laws, statutes, ordinances, and regulations that apply to your use of the Content and/or Services.
You further agree not to use the Content and/or Services for any of the following purposes:


Records of the transactions maintained by Tokio Marine Insurance Group shall be accepted as conclusive and binding for all purposes. Your use of your account and/or password to access or use this website and/or online facilities including access to your policy records and Tokio Marine Insurance Group’s online services will be deemed to be your electronic signature and will be legally binding. To the extent permitted by law, you accept that our electronic records will be admissible as original documents in any court of law and agree that you will not challenge or dispute the accuracy or authenticity of such records.


These terms and conditions of use shall be governed by and construed in accordance with the laws of Singapore. You and Tokio Marine Insurance Group irrevocably and unconditionally agree to submit to the exclusive jurisdiction of the courts of Singapore. If any provision of these terms and conditions shall be unlawful, void or for any reason unenforceable then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.


Tokio Marine Insurance Group shall not be liable to you or any users for any breach of these terms and conditions of use, any failure or inability to access our website and/or Services or any failure to provide or delay in providing our Services through our website resulting from any event or circumstance beyond our reasonable control including, without limitation, Acts of God, strikes, lock outs and other industrial disputes, breakdown of systems or network access, fire explosion, outbreaks of disease, epidemics, pandemics, or accident or natural disasters.


A person who has not agreed to be bound by the Terms of Use shall have no right under the Contracts (Rights of Third Parties) Act (Cap. 53B) to enforce any of the terms herein.


The invalidity, unlawfulness or unenforceability of any provision in these Terms of Use in any respect under applicable law shall not affect the validity, legality or enforceability of the remaining provisions hereof.