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personal accident insurance
out of 19 plans
from 4 insurers

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Personal Accident Insurance useful tips
Different from life insurance.
Supplements your life insurance does not replace it. Choose an amount suitable to your income level
Apply with your family.
Some insurers give a discount when you apply together with your spouse and even offer free coverage for children.
Occupation's risk exposure.
Personal accident products are designed based on your occupation's risk exposure.
Your Best Protection Against Accidents
Flexibility
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You can customise your own plan with flexible limits, affordable premiums and 24-hour worldwide protection. Accidents can happen anytime anywhere no matter how careful you are.
Many events included
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Compare policies and find out what exactly is included. There are a lot of differences between policies. Include food poisoning and infectious diseases.
Selection
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Spend a few minutes and compare carefully and know what you are buying. The differences between policies maybe seem small but the impact can be big.
Buy in time
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Make sure you buy before you turn 60, after that age many insurers do not accept new policies but will renew existing ones.
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Frequently Asked Questions
In general you can apply for this Policy if you are between the age of 18 to 65 years old. You must be a Singapore Citizen, Singapore Permanent resident or a foreigner holding a valid pass issued by Singapore government and is residing in Singapore. You can purchase and make payment online. Once we confirm with you that we have collected your premium through our online payment gateway, you will be insured. This should take a minute or two, and you will then be insured. You will be accepted based on your health declaration on the Application Form.
An Accident is an event which is sudden, unexpected or unforeseen and it leads to an outcome which the Insured person did not intend or anticipate. It does not include the progressive cumulative result of a series of small incidents. The Policy premium generally not affected by age and does not increase as you get older. Premiums are usually based on occupation. Each occupation type involves specific work activities which would expose the individual to different risk hazards and this has a direct effect on the premium chargeable.

A Personal Accident (PA) Insurance is designed to provide financial protection and financial burden relief to you (the insured) against the risk of accidental death or bodily injury happening to you. Upon accidental death of the insured, this policy will pay a sum of money to his beneficiary (usually the dependent). Another important function is to help mitigate loss of potential future income and to fund additional expenses incurred due to any disability condition and therefore unable to conduct his usual occupation or work.

PA Insurance is generally a Benefit Policy, which means it is a contract to pay a sum of money in the event of a certain contingency, irrespective of whether or not the insured sustains a financial loss. Hence, there is no need to prove the quantum of loss, unlike a contract of indemnity.

This type of insurance is of particular benefit to individuals who are self-employed and individuals with needs for financial protection against accident death, permanent total or partial disability, as well as for funds to meet with potentially huge medical bills especially for treatment in event of serious or protracted accidental bodily injuries.
Both policies offer coverage for accidental related risks in different ways. Travel Insurance covers you against mishaps, expenses and liabilities during your trip out of Singapore. Personal Accident Insurance covers you against the risk of accidental death, bodily injury or medical expenses within Singapore. In general you are covered while you are overseas for a period of 180 days from the day of departure from Singapore only. In this respect PA Insurance policy has limited worldwide geographical coverage.
Check the “FAQ” Tab in the page menu for more Personal Accident related FAQ’s or give us a call on our help line!