PA Secure

Get coverage for accidents and infectious diseases¹
with PA Secure².

4 key personal accident benefits from $0.25/day[3]

Get coverage for accidental death, permanent disability, medical expenses and receive Daily Hospital Income in the event of an accident or due to an infectious disease[1].

Coverage for 7 infectious diseases[1] such as Dengue Fever, Chicken Pox, HFMD and more

Get up to $2,000[4] medical expenses coverage due to infectious diseases [1].

Optional child and student care expenses[5] benefit at $18.33 per year

Get childcare fees reimbursed if your insured child is hospitalised or on certified medical leave due to an injury or infectious disease.

Additional benefits you will get with PA Secure.

Safeguard your planned trips with Event and staycay expenses[6] optional benefit at $18.33/year. Get reimbursement due to hospitalisation.
Enjoy more savings when you insure your loved ones. A family plan[7] provides coverage for you, your spouse, and an unlimited number of dependant children[8] at no additional premium.
Enjoy the flexibility to choose between an individual, couple[9] or family plan. You can also choose to insure your child only with an individual plan.

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

Your coverage at a glance.

Benefits		Maximum benefit (S$) per insured person
Benefits		Plan 1	Plan 2
Section 1	Accidental death	$50,000	$100,000
Section 2	Permanent disability (per policy year)	$50,000	$100,000
Section 3	Medical expenses for injury due to an accident or infectious disease (per incident)	$1,000	$2,000
Section 4	Daily hospital income (per day; up to 50 days per policy year)	$50	$100
Optional Benefits
Section 5	Child and student care expenses (per incident)	$500
Section 6	Event and staycay expenses (per policy year)	$500

How much you need to pay.

Yearly premium rates for you and your family.

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

Yearly Premium
Main Plan	Plan 1	Plan 2
Individual	$92.82	$146.22
Couple	$176.37	$277.84
Family	$266.18	$420.98
Optional benefits: top-up amount for premiums
Child and Student Care Expenses	$18.33 per insured person
Event and Staycay Expenses	$18.33 per insured person

Monthly Premium rates for you and your family.

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

Monthly Premium
Main Plan	Plan 1	Plan 2
Individual	NA	NA
Couple	$15.37	$24.20
Family	$23.18	$36.67
Optional benefits: top-up amount for premiums
Child and Student Care Expenses	$1.59 per insured person
Event and Staycay Expenses	$1.59 per insured person

Your policy toolkit.

Eligibility

You can sign up for PA Secure if you hold a valid Singapore identification document and are between 15 days and 65 years old.

We may continue cover for you up to 75 years old at a reduced sum assured, and we may apply new terms; depending on our decision and if you pay an extra premium.

Brochures

PA Secure 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 last birthday. 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 Singapore 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, Work Permit, Long Term Visit Pass or Student Pass.

Who can be covered under a Family?

You can cover yourself and/or your spouse, as well as unlimited number of your dependent 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.

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.

For cancellation after the 14-day free look period, we will work out and refund the premium as follows if no claim has been made under this policy.

(Period of Insurance (in days) still left to run)/(Original period of insurance of the policy) x 85% of the premium paid

We will not refund any premium below $37.80 @ 8% GST from 2023, $38.15 @ 9% from 2024.

Print all queries

Important notes

Footnotes

^Promotion terms and conditions apply.

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),
in the affected countries, from the date of such announcement until the epidemic or pandemic ends.
You can sign up for PA Secure if you hold a valid Singapore identification document and are between 15 days and 65 years old. We may continue cover for you up to 75 years old at a reduced sum assured, and we may apply new terms; depending on our decision and if you pay an extra premium.
This premium rate is applicable for Plan 1 (Individual) with yearly payment arrangement inclusive of 9% GST, rounded to the nearest cent.
This benefit limit is applicable under Plan 2. We will pay for the medical expenses for injury due to an accident or when you contract an infectious disease, up to the maximum benefit limit or up to a period of 12 months from the date of the accident or date of diagnosis of the infectious disease, whichever comes first.
The childcare and student care expenses optional benefit covers the insured child if he/she is unable to attend childcare or student care due to him/her:
- being required to stay as an inpatient in the hospital for 4 days or more due to an injury or an infectious disease; or
- being confined at home for 5 days or more underwritten medical advice by a medical practitioner due to an infectious disease.
The event and staycation expenses that we will reimburse is the non-refundable deposit or ticket fees incurred by the insured person. We will not pay for claims that are less than $50.
A family plan covers you and/or your spouse and any number of your dependant children.
Dependant 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 dependant upon the insured person for maintenance and support. For example, full-time students or national servicemen.
Couple plan covers 2 married adults only.

Important Notes

This is for general information only. You can find the usual terms and conditions of this plan at income.com.sg/pa-secure-policy-conditions.pdf.

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 advisor. 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 1 March 2025.