PA Fitness Protect

Protect your active lifestyle against unforeseen accidents from only $0.58 a day¹.

2X coverage for medical expenses due to accidental tears, dislocations and fractures[2]

Focus on pursuing your fitness goals with confidence knowing you are well-covered.

Adventurous activities or extreme sports coverage[3] which most personal accident plans may exclude

We cover you for exciting activities and sports such as scuba diving, sky diving, Muay Thai and more, so you can enjoy your adventures to the fullest.

Sports equipment coverage

Protect your rented sports equipment with up to $2,000[4] coverage per policy year due to accidental damage. Add on our Sports Equipment Rider to safeguard your own sports gear too!

Additional benefits you will get with PA Fitness Protect.

Up to $750,000[5] permanent disability coverage if you become permanently disabled within 12 months due to an accident.
Up to $1,000,000 third party liability coverage per accident[6]
Reimbursement of up to $5,000 unused activity fees per policy year[7] if you are unable to attend due to sickness or injury
Extra savings with No Claim Discount of 10% off your main plan

Enhanced protection which health insurance plans may not cover

In the event of an injury, PA Fitness Protect protects you from the financial stress of having to deal with medical bills incurred for outpatient treatments. 

Your health insurance plan typically covers you for costs associated with hospital stays and undergoing surgery. However, if you do not require hospitalisation, it will not provide coverage, but PA Fitness Protect can still provide the coverage you need for your medical expenses due to an accident during the sport, exercise or adventurous activity[3].

Your coverage at a glance.

Benefits	Maximum benefit (S$) per insured person
Benefits	Basic	Superior	Prestige
Third Party Liability (per accident)	NA	$500,000	$1,000,000
Accidental death	$150,000	$300,000	$500,000
Permanent disability (per policy year)	$225,000	$450,000	$750,000
Accidental medical expenses (per policy year) Overall section limit Sub-limit for treatment by a Chinese medicine practitioner or a chiropractor	$5,000 $200	$10,000 $1,000	$15,000 $3,000
Extra medical expenses for tears, dislocations and fractures (per policy year) Overall section limit Sub-limit for physiotherapy following tears, dislocations and fractures	$5,000 $2,000	$10,000 $4,000	$15,000 $10,000

For a more detailed look at what you are covered for, you may view the full policy conditions here.

Let us walk you through PA Fitness Protect

How PA Fitness Protect safeguards your active lifestyle
David, a 35-year-old sports enthusiast, signed up for PA Fitness Protect Superior Plan to safeguard his active lifestyle. He also added on the optional Sports Equipment Rider to protect his $5,000 bicycle.

He paid a total premium of $540.

Main plan premium: $350

Sports Equipment Rider premium: $150

Total premium before GST: $500

Total premium including 9% GST: $545

While training for his overseas cycling event, he skidded over a pothole and crashed into a pedestrian. The pedestrian suffered a broken hip while David suffered a leg fracture and damage to his bicycle. Due to the injury, he is unable to attend his overseas cycling event next week.

He incurred the following costs:

Accidental medical expenses to treat his leg fracture: $7,000

Extra medical expenses to cover physiotherapy fees: $1,000

Compensation of pedestrian's medical expenses to treat the broken hip (Third Party Liability): $120,000

Forfeited cycling event ticket (Unused event fee): $200

Bicycle repair expenses: $2,000

Total claimable amount:

Under the main plan: $128,200

Under the optional Sports Equipment Rider: $1,800 (after co-payment of $200)

With PA Fitness Protect, David is able to pursue his active lifestyle with peace of mind.

This example is for illustrative purposes only and assumes that the bill is not limited or excluded by policy terms and conditions.

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Take the first step today to safeguard your active lifestyle.

Speak with your preferred Income Insurance advisor or leave your contact details for us to assign one and schedule a chat with you.

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Your policy toolkit.

Eligibility and payment frequency

Eligibility for Main Plan

You must

Be holding a valid Singapore identification document (NRIC, Employment Pass, Work Permit, Long Term Visit Pass or Student Pass)
Be living or working in Singapore, or away from Singapore for no more than 180 days at any one time, and
Be between 7 years old and 65 years old

You can make your premium payments monthly or yearly.

Eligibility for Sports Equipment Rider

Your sports equipment must fulfil the below requirements:

The age of the sports equipment is less than 4 years old from the date of purchase at the point of application for this policy
Your sports equipment is purchased from an authorized retailer or distributor and not a marketplace platform or portal.

Brochures

PA Fitness Protect Brochure

Policy conditions

Your queries answered.

What is the age limit if I wish to apply for this policy?

The age limit is 65 years old based on age at the start of the policy. You can be insured as a child under this policy if you 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.

If I am a foreigner or Singaporean Permanent Resident (PR), can I purchase this policy?

Yes, you can purchase this policy as long as you are a Singapore PR or hold a valid employment pass, dependent’s pass, work permit or student pass.

What payment frequencies can I choose from?

We offer both annual and monthly payment frequencies.

Can I take up this policy for a longer coverage term?

No, we issue this policy for a coverage term of 1 year only.

If I change my mind after taking up this insurance, can I cancel it?

Yes, you can cancel this plan by notifying us via email at pline@income.com.sg or call us at 6788 1777. The cancellation will take effect from the date we receive your request.

a. If you cancel this plan within the 14 day free-look period, you may get a full refund of the premium paid if there has been no claim made under this policy.

b. If you cancel this plan after the free-look period and:
- Before start date of the policy; premium less $10.90 (after GST).
- After the start date of the policy, we will work out the premium as follows:

Period of insurance (in days) still left to run divided by the original period of insurance of the policy

85% of total premium paid

We will not refund any premium below $38.15 (after GST) from 2024 if you cancel the policy.

There will be no refund payable to you if you have made any claim since the start date of the plan till the date of your cancellation request.

Print all queries

Important notes

Footnotes

This premium rate is applicable under Basic Plan coverage, yearly payment arrangement inclusive of 9% GST, rounded to the nearest cent.
PA Fitness Protect covers medical expenses due to accidents during the sport, exercise or adventurous activity.
Adventurous activity means any recreational activity which:
-the insured person has undertaken while complying with all safety procedures, such as wearing safety equipment and following rules and regulations, whether specifically advised or generally expected of a reasonable person, and
-where guidance and supervision of licensed guides or instructors are available, the recreational activity must be carried out under the guidance and supervision of licensed guides or instructors of the tour operator or activity provider, and
-is not excluded under the general exclusions listed in part 2 of the general conditions of the policy.

Adventurous activity includes but is not limited to hiking, mountain climbing, scuba-diving, bungee jumping, parasailing, paragliding, parachuting, hang-gliding, skydiving, abseiling, skiing, snowboarding, canoeing, kayaking, white water rafting, dragon boating, paddleboarding, marathon, ultramarathon, biathlon, triathlon, surfing, and snorkeling.
We will pay for the damage to the rental equipment that the insured person is required to compensate based on a receipt from the licensed activity provider for accidentally damaging the rented equipment during the activity. This benefit limit is applicable under Prestige Plan coverage.
This benefit limit is applicable under Prestige Plan coverage. It is subject to the scale of compensation as shown in the Policy Contract. We will pay this benefit if you are involved in an accident which causes an injury and due only to this accident, you become permanently disabled within 12 months from the date of the accident.
This benefit limit is applicable under Prestige Plan coverage.
This benefit limit is applicable under Prestige Plan coverage. We will reimburse the unused non-refundable activity fee incurred if the insured person suffers an injury or sickness and is given hospitalisation leave or is required to stay as an inpatient in the hospital during the period of the activity for which he/she has paid an activity fee. We will not pay if the claim for activity fees is less than $50. Please refer to the policy conditions for more details.

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. The precise terms, conditions and exclusions of PA Fitness Protect are specified in the policy contract which may be found at policy conditions.

All of Income’s products are developed to benefit our customers but not all our products may be suitable for your specific needs. If you are unsure if a product is suitable for you, we strongly encourage you to speak to a qualified Income insurance advisor. Otherwise, you may end up purchasing a product that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or obtain the insurance protection you seek. 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.

Information is correct as at 9 July 2024.