
Key benefits of a personal accident insurance:
Commonly used to complement existing life or health insurance, personal accident (PA) plans provides coverage for accidents. With no medical underwriting required, PA plans may allow those with pre-existing medical conditions to still receive some form of coverage.

(See "All You Need To Know About Personal Accident Plans")
PA Star Deluxe |
Personal Accident Insurance (100k) |
PA Assurance Plan 1 |
TM PA Plan A |
Protection Plus Silver Plan |
Ready Protect Accelerate |
|
Insurer |
Sompo |
FWD Insurance |
NTUC Income |
Tokio Marine |
MSIG |
Manulife |
Accidental death |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
Double indemnity for accidental death |
Yes, in event of fatal accident involving both insured adults or traffic accident |
No |
No |
Yes, for accidental death while travelling or private car and/or public transport |
No |
Yes, for accidental death in public transport or during school activities |
Medical expenses |
Up to $3,000 |
Up to $2,000 |
Up to $2,000 |
Up to $2,500 |
Up to $1,000 |
Up to $2,000 or up to $4,000 if accident occurs overseas |
Treatment by licensed chinese physicians and chiropractors cover |
Up to $1,000 per accident and up to $2,000 per insured person (Sub-limit of $150 per visit) |
Up to $500 for TCM and chiropractors. Up to $1,000 for physiotherapy |
Up to $500 for TCM and up to $2,000 for physiotherapy per policy year |
Sub-limit of up to $500 under medical expenses |
Included under medical expenses limit |
Up to $500 |
Infectious diseases cover |
Yes, for 17 specified infectious diseases |
Yes, for 22 specified infectious diseases. |
Optional add-on |
No |
No |
Yes, for 21 specified infectious diseases |
Daily hospitalisation allowance |
Receive $100 per day for up to 365 days. Doubled hospitalisation allowance for ICU for up to 50 days if hospitalised for 24 hours or more due to an accident. |
Only available for plans 500k and above |
$100 per day for up to 365 days per policy year |
Optional add-on |
$50 per day for up to $2,500 |
Optional add-on |
Weekly income benefit |
$100 per week for temporary disablement up to 104 weeks |
Only available for plans 500k and above |
$100 per week for up to 104 weeks consecutively |
Optional add-on |
$50 or 100 per week for up to 104 weeks |
Optional add-on |
Child support benefit |
1) Tuition benefit of $200 per month for 12 months
2) Family allowance of $2,000 per month for 12 months |
Guardian angel benefit of $100,000 per policy year |
$5,000 |
No |
No |
Optional add-on |
Event cancellation cover |
$100 per event (staycation and ticket cancellation) for up to 2 events per policy year |
$100 for cancellation of ticketed event as a result of haze |
No |
No |
No |
No |
Benefits for your child |
Free cover for unlimited number of children if both parents are covered under the same PAStar |
No |
40% off your child's premiums by insuring under same policy with either you or your spouse |
Free child cover for up to 4 children |
Free cover for up to 3 children if applied with spouse |
No |
Annual premiums for Class 1 occupations |
$177.62 |
$90 |
$198 |
$198 |
$123.05 |
$173 |
*Comparison done is based on plans with a $100,000 accidental death coverage. Information is accurate as of 12 February 2020 with changes subjected to the insurer's discretion.
Best for affordability: FWD Personal Accident Insurance
At $90 a year, FWD Personal Accident Insurance offers affordable coverage for personal accident. Alternatively, should you wish to receive higher coverage, FWD Personal Accident Insurance also offers up to 1 million for accidental death coverage.
Promotion: Enjoy 26% off FWD Personal Accident plans with promo code "IFAST". Valid for 13 and 14 February 2020 only.
Best for infectious diseases coverage: Sompo PA Star Deluxe, FWD Personal Accident Insurance and Manulife Ready Protect Accelerate
The policies as listed above protect against a list of specified infectious diseases. This includes dengue fever, avian influenza, Zika virus, SARS, hand foot and mouth disease and more.
NTUC Income's PA Assurance Plan 1 also offers the option to add-on for coverage against 21 specified infectious diseases.
Best for the convenience of cashless medical claims: Sompo PA Star
Connected to the MHC Clinic network, PA Star allows you to enjoy cashless treatments at over 400 GP panel clinics by simply flashing an eCard.
Best for free child cover: Sompo PA Star Deluxe, TM PA Plan A, MSIG Protection Plus Silver Plan
The plans listed above offers free child cover if you and/or your spouse applies for a personal accident insurance together with your child.
NTUC Income's PA Assurance Plan 1 also gives 40% off your child’s premiums if you insure him/her under the same policy as either you or your spouse.
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Available Products on FSMOne Insurance |
Term Life, Whole Life, Critical Illness, Annuity, Health, Endowment from Etiqa Insurance, Manulife, NTUC Income and Tokio Marine Life Insurance *Please check with our advisory team if the product you want is available on FSMOne Insurance |
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