Best Personal Accident Insurance in Singapore

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iFAST Insurance Team
iFAST Insurance Team25 Jul 2024 3763 Views

Personal accident insurance (PA) is designed to provide financial protection in the event of accidental injuries. PA plans covers medical and hospitalisation expenses, and provides benefits for disabilities or death resulting from accidents. Some PA plans may also cover for specified infectious diseases, offering a peace of mind knowing that you are covered should you unfortunately be diagnosed with infectious diseases such as Dengue Fever, Covid-19, and/or Hand, Foot, and Mouth Disease (HFMD).^


Find out which personal accident plan is suitable for you here:

Allianz Accident Protect Plus
FWD PA
MSIG PA Recovery Plus
Sompo PA Ease
TM Protect MosBite
Income PA Assurance
MSIG Protection Plus
Sompo PA Star
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Use “IFAST” for preferential rates
20% off PA Recovery Plus. Promotion ends 28 February 2025.
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Up to 250,000^ STAR$® (worth $250 eCapitaVoucher) on eligible PA plans. TnCs apply. Promotion ends 31 March 2025.
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PERSONAL ACCIDENT COVER:
Choice of $100,000 / $250,000 / $500,000
Choice of $200,000 / $300,000 / $500,000
Choice of $100,000 / $200,000 / $300,000
Choice of $50,000 / $100,000 / $150,000
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Choice of $100,000 / $200,000 / $300,000 / $500,000 / $1,000,000
Choice of $100,000 / $150,000 / $250,000
Choice of $100,000 / $200,000 / $500,000 / $1,000,000
MEDICAL EXPENSE BENEFIT:
Up to $7,000 per accident
Up to $10,000 per accident
Up to $3,000 per injury
Up to $3,000 per accident
Lump sum pay-out of $1,500 or $3,000 upon diagnosis of one of the specified mosquito-borne illness.
Up to $20,000 per accident
Up to $5,000
Up to $7,500 per accident
INFECTIOUS DISEASE COVER:
Yes, covers for 27 infectious diseases
Yes, covers for 24 infectious diseases
No
Yes, covers for 24 infectious diseases
Covers for Dengue fever, Zika fever, Chikungunya fever, Yellow fever, and Malaria
Optional add-on cover for 25 infectious diseases
No
Yes, covers for 17 infectious diseases
FAMILY COVERAGE BENEFITS:
Family and couple plans will enjoy a 15% premium discount on premium payable.
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Child pays a lower premium than adults.
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40% off your child’s premiums by insuring under the same policy with either you or your spouse.
Free cover for up to 3 children when you and your spouse enrol in plan at the same time.
Free for unlimited number of children if both parents are covered under the same PAStar.
KEY BENEFITS:
- Medical & Surgical Expense as a result of an Accident, including Chiropractor, Traditional Chinese Medical (TCM) Practitioner or Physiotherapist medical expenses

- Mobility Aids and Home Modification Benefit prescribed by the medical practitioner and any home modifications of your flat for coping with the permanent disablement will be covered.

- Lump Sum Payment upon diagnosis of Infectious Diseases

- Lump Sum Payment upon diagnosis of Infectious Diseases - up to 50% of the benefit limit, based on your selected plan, capped at S$150,000

- Get adventure sports coverage at no additional cost

- Home and Car Modification Expenses

- Cosmetic Procedure Expenses

- Permanent Caregiver Grant

- Petcare Allowance

- Fitness and Sports Membership Fees

- Affordable premiums from $95.92/year

- 24/7 Worldwide coverage against accidental injuries

- Coma due to accidental injury up to $15,000

- Free Extension coverage for Accidental Miscarriage, Food Poisoning, Insect/Animal Bites

- Full coverage for children from as early as 1 month old (subject to premium payable per child)

- 100% benefit payout for Dengue fever, Zika fever, Chikungunya fever, Yellow fever and Malaria diagnosed in Singapore.

- Cover out-of-pocket expenses when you are seeking treatments for mosquito-borne illnesses.

- Guaranteed acceptance, coverage for all ages, up to age 99.

- Coverage for chiropractors and TCM treatments in the event of an accident, including sports injury.

- Up to $1,200 per day if you are hospitalised in an Intensive Care Unit (ICU) for up to 30 days per accident

- Reimbursement for cost of diagnostic procedures and tests for broken bones or fractures due to an injury

- Reimbursement for post-accident home modification and physiotherapy expenses incurred due to accidents

- Family support fund – get up to $35,000 for your dependents in the event of death due to an injury caused by an accident.

- Permanent and Total Disablement Cover - payout of up to $375,000

- Hospital Cash Benefit

- Temporary Total Disablement Cover

- Up to $10,000 Bereavement Grant

- Covers for third degree burns arising from any injury

- Medical expenses coverage for accidents and 17 Specified Infectious Disease including Dengue Fever, Hand Foot Mouth Disease and ZIKA virus.

- Marriage Bonus Allowance of S$100.

- Cancellation of Staycation or Covered Event Due to Hospitalisation.

- Baby Bonus Allowance of S$100.

- Full Terrorism Coverage.

- Weekly Income Benefit up to S$500.

- Free Extension Coverage for Food Poisoning, Accidental Miscarriage, Insect / Animal Bites.

Interested in personal accident insurance or need some advice?




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Information obtained from:

https://www.allianz.sg/individual-solutions/allianz-accident-protect-plus.html

https://www.fwd.com.sg/personal-accident-insurance/

https://www.msig.com.sg/personal-insurance/pa-recoveryplus

https://www.msig.com.sg/personal-insurance/protectionplus

https://www.sompo.com.sg/products/pa-ease

https://www.tokiomarine.com/sg/en/life/online/TM-protect-mosbite.html?rfq=01010102&utm_source=qr&utm_medium=partner&utm_campaign=tmmosbite001&utm_id=%20tmmosbite001

https://www.income.com.sg/personal-accident-insurance/pa-assurance

https://www.sompo.com.sg/products/pa-star


Information retrieved on 22 July 2024.



Disclaimers:

^List of infectious disease covered will differ between insurers and plans. For avoidance of doubt, please refer to your policy wording to check on the infectious diseases covered by your policy.

This article is not a contract of insurance. Insurance products are underwritten by the respective insurance partners and distributed by iFAST.

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