Yes, some Personal Accident (PA) plans in Singapore do cover dengue fever and other infectious diseases, but this is not a standard feature in all policies. This is what you need to know:

Coverage for Infectious Diseases:

• Is not a standard feature: PA plans traditionally focused on injuries from accidents. However, with the rise of infectious diseases like dengue fever and COVID-19, some insurers have started to include coverage for specific infectious diseases in their comprehensive plans, or as an add-on.
• Covers for specific infectious diseases: Infectious disease coverage applies to a list of infectious diseases specified by the insurer. This may include dengue fever, Hand, Foot and Mouth Disease (HFMD), and others. Check your policy wording for the exact list of infectious disease covered.
• Has different types of benefits: Benefits may include
  • Hospitalisation expenses: Reimbursement for medical expenses incurred due to hospitalisation for a covered infectious disease.
  • Daily hospital cash Benefit: A lump sum pay-out for each day of hospitalisation due to a covered infectious disease.
  • Lump Sum Benefit: A one-time payout upon diagnosis of a covered infectious disease.

Important Points to Consider:

• Policy Wording: Always refer to the policy wording or product summary of the specific PA plan you are considering. This document will clearly state whether infectious diseases are covered and the extent of coverage.
• Exclusions: Be aware of any exclusions in the policy. For example, some policies might not cover epidemics or pandemics declared by health authorities.
• Optional Add-ons: Some insurers offer optional add-ons to enhance the coverage of their PA plans, including more comprehensive coverage for infectious diseases.

In summary, while not all PA plans cover dengue fever or other infectious diseases, some do offer this coverage as part of their standard benefits or as an optional add-on. Always review the policy details to understand your scope of coverage.
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