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

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. For children age 15 days old to 15 years old, parents/guardian must be the proposer.
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.

If I met with an accident previously, can I still apply for this policy?

Yes, you can submit to us your application together with the details of your previous accident. You should include when the accident happened, the cause of the accident and the medical treatment that you received. We will assess your condition and contact you on our decision.

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

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

What payment frequencies can I choose from?

We offer both annual and monthly payment frequencies.

Can I take up this policy I am based overseas?

No, you must be living or working in Singapore, or away from Singapore for no more than 180 days at any one time.

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 telephone at 6788 1777. The cancellation will take effect from the date we receive your request.

For cancellation after the 14 day free-look period, we will proceed with your refund based on the calculation as follows:

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

85% of total premium paid

We will not refund any premium below $37.80 @ 8% GST in 2023, $38.15 @ 9% 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 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 8 April 2025.