PA Guard

Here’s what you get with PA Guard.

Protection against accidental death and permanent disability due to accidents with four plans to choose from.
Provides additional coverage amount for accidental death on public transport up to $750,000[1]
Optional coverage for lifestyle maintenance benefit with weekly cash payouts up to $400[2] in the event of temporary total disability due to an injury
Optional hospitalisation benefits for extra protection in the event of injury due to an accident.
A 5% renewal bonus[3] each year on the sum insured for accidental death, permanent disability (per accident) and accidental death on public transport.

How much you need to pay.

Types of occupations covered

Premium rates are based on your occupation class.

Group A

Professions or occupations of professional, administrative, managerial or clerical nature or occupations of outdoor nature or involving light manual work without the use of tools or machinery.
Examples: Admin executive, auditor, lawyers, salespersons, managers, homemakers, domestic helpers, students, doctors, teachers, insurance agents, waiters, retailers etc.

Group B

Professions or occupations involving manual work with the use of tools or machinery or uniform professions involving security or defence work or whose work environment is in high altitude or of hazardous nature.
Examples: Hawkers, cooks, drivers, painters, fitness/gym trainers, despatch, construction workers, commercial airline crews, national servicemen, policemen, prison wardens, steermen, security guards, carpenters, technicians, mechanics, veterinary surgeons, paramedics, life guards etc.

Premium rates for occupations under Group A

	Plan 1		Plan 2		Plan 3		Plan 4
	Monthly premium	Yearly premium	Monthly premium	Yearly premium	Monthly premium	Yearly premium	Monthly premium	Yearly premium
Main benefits	$13.55	$155.86	$23.94	$274.33	$41.26	$473.90	$56.33	$644.11
With optional lifestyle benefits	$18.94	$218.00	$33.10	$379.16	$56.54	$649.41	$74.36	$854.79
With optional hospitalisation benefits	$16.81	$192.94	$29.84	$343.20	$50.42	$578.82	$67.95	$775.84
With both optional lifestyle and hospitalisation benefits	$22.20	$255.08	$39.01	$448.02	$65.71	$754.33	$85.98	$986.52

Premium rates are inclusive of 9% GST, non-guaranteed and may be reviewed from time to time.

Premium rates for occupations under Group B

	Plan 1		Plan 2		Plan 3		Plan 4
	Monthly premium	Yearly premium	Monthly premium	Yearly premium	Monthly premium	Yearly premium	Monthly premium	Yearly premium
Main benefits	$25.16	$288.90	$45.03	$516.47	$73.04	$838.08	$104.21	$1,197.27
With optional lifestyle benefits	$35.25	$404.42	$61.43	$705.14	$100.04	$1,148.27	$137.83	$1,582.94
With optional hospitalisation benefits	$31.17	$357.56	$55.72	$639.74	$89.14	$1,023.89	$125.50	$1,441.24
With both optional lifestyle and hospitalisation benefits	$41.27	$473.08	$72.13	$828.41	$116.14	$1,334.08	$159.12	$1,826.92

Premium rates are inclusive of 9% GST, non-guaranteed and may be reviewed from time to time.

Your policy toolkit.

Eligibility

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, and
Be between 15 days old and 65 years old.

Brochures

PA Guard Brochure

Policy conditions

Policy Conditions

Ways to pay for PA Guard.

Find out how you can make payment for your policy by choosing from the preferred methods below. For other accepted payment modes, you may get in touch with us through your preferred mode of contact at www.income.com.sg/contact-us.

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Important notes

Footnotes

This benefit limit is applicable under Plan 4. We pay this benefit if you die within 12 months from the date of the accident and your death resulted solely from this accident of the public transport while you are on board as a fare-paying passenger. If compensation has already been made to you under section 2 under this policy for the same accident, the compensation made under this benefit will be reduced by that amount.
This benefit limit is applicable under Plan 4. With optional lifestyle maintenance benefit taken up.
If you suffer temporary total disability due to an injury, we will pay you the cash benefit as shown in the table of cover for each full week of temporary total disability as confirmed by a medical practitioner in writing, up to 52 weeks in a row. We pay this benefit if the temporary total disability is diagnosed within 90 days from the date of accident.
If you suffer temporary partial disability due to an injury, or if you suffer temporary partial disability immediately following temporary total disability, we will pay you 25% of the cash benefit as shown in the table of cover for each full week of temporary partial disability as confirmed by a medical practitioner in writing, up to 52 weeks in a row. We pay this benefit if temporary partial disability is diagnosed within 90 days from the date of accident, unless you suffer the temporary partial disability immediately following temporary total disability.
If the temporary total disability or temporary partial disability lasts for less than 7 days in a row, we will pay a pro-rated amount of the benefit.
This is up to a maximum of 25% for 5 consecutive claim-free years. If there is a claim made under section 1, 2 or 3 under this policy, we will apply the renewal bonus for the claim and after which no renewal bonus will be given under the policy for any subsequent claims made under section 1, 2 or 3 or renewals.

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 GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Information is correct as at 15 November 2024.