PA Assurance

PA Assurance

Protect you and your family’s well-being with comprehensive coverage against accident-incurred injuries.

What it covers

Permanent disability

We pay up to $1,500,000 [1] for permanent disability due to an injury caused by an accident.

Medical expenses for injury due to an accident

We pay up to $20,000 [2] to cover medical expenses for an injury due to an accident.

Physiotherapy and home modification

We provide coverage for recovery care such as physiotherapy and home modification expenses arising from an accident.

Child Support Fund
We provide a lump sum payment of up to $35,000 [3] in the event of death due to an injury caused by an accident to help support your dependent children’s future educational needs.
Optional infectious disease cover
We provide you with the flexibility to enhance your coverage against 21 infectious diseases [4].

Full coverage information

Features

Children will receive a 40% [5] discount on premiums if at least one parent is insured under the same policy.
We also cover you for:
  • Acts of terrorism
  • Riot, strike, civil commotion, hijack, murder, assault
  • Disappearance
  • Exposure to natural elements
  • Food poisoning
  • Suffocation by smoke, poisonous fumes, gas or drowning
  • Miscarriage due to an accident or infectious disease (only applicable if you have opted for infectious disease cover)
  • Motorcycling riding (except riding on a motor race track)

Enjoy a wide range of exclusive treats which are specially curated for you. 

Find out more

Before you apply

You must:

  • Be holding a valid Singapore identification document (NRIC, student pass, work pass)
  • Be living or working in Singapore, or away from Singapore for no more than 180 days at any one time
  • Be between 15 days old and 65 years old

You can choose from four different plan types that best suits you and your family’s needs.

You can make your premium payments yearly.

You may refer to the premium rates based on your occupation class.

Types of occupations covered

Premium rates without infectious disease cover

  Yearly premium
Plan 1 Plan 2 Plan 3 Plan 4
Group A $198 $417 $730 $950
Group B $428 $779 $1,235 $1,900

Premium rates are inclusive of 7% GST, non-guaranteed and may be reviewed from time to time.

Premium rates with infectious disease cover

  Yearly premium
Plan 1 Plan 2 Plan 3 Plan 4
Group A $217 $480 $840 $1,092
Group B $492 $895 $1,420 $2,185

Premium rates are inclusive of 7% GST, non-guaranteed and may be reviewed from time to time.

If you are interested in plans 3 and 4, you can choose to contact your insurance adviser or call our hotline number to find out more.

Important Notes

Footnotes

 
  1. This benefit limit is applicable under Plan 4. It is subject to the scale of compensation as shown in the Policy Contract. We pay this benefit if you become permanently disabled within 12 months from the date of accident.

  2. This benefit limit is applicable under Plan 4. We pay for the medical expenses for injury due to an accident up to the maximum benefit limit or up to a period of 12 months from the date of the accident, whichever comes first.

  3. This child support fund benefit limit is applicable under Plan 4. We pay this benefit if you suffer an injury and due only to this injury you die within 12 months from the date of the accident.
    Dependent child(ren) means the insured person’s child(ren) who are:-
    - under 18 years of age; or
    - under 25 years of age; unmarried and not on full-time employment; and are primarily dependent upon the insured person for maintenance and support. For example, full-time students or national servicemen.

  4.  This plan does not cover infectious disease diagnosed within 14 days from the policy start date as well as any infectious disease which has been announced as:
    (a) an epidemic by the health authority in Singapore or the Government of the Republic of Singapore; or
    (b) a pandemic by the World Health Organisation (WHO), from the date of such announcement until the epidemic or pandemic ends.

  5. Plans 1 and 2 cover only children who are:
    - under 18 years of age; or
    - under 25 years of age, unmarried and not on full-time employment, and are primarily dependent on the policyholder for maintenance and support. For example, full-time students or national servicemen.

Exclusions

 

There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.

Important notes

 

This page is for general information only. You can find the usual terms and conditions of this plan in the policy conditions.

All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want. If you find that this plan is not suitable after purchasing it, you may terminate it within the free-look period, and obtain a refund of premiums paid. We may recover from you any expense incurred in underwriting this plan.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income or visit the websites of the General Insurance Association of Singapore (www.gia.org.sg), the Life Insurance Association, Singapore (www.lia.org.sg) or Singapore Deposit Insurance Corporation (www.sdic.org.sg).

 

Information is correct as of 16 September 2017

Frequently asked questions

How to apply

For enquiries about Personal Accident Insurance, please call our hotline:
6788 1111

Speak to your Income adviser, or use our online matching tool to find an adviser who’s right for you.

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