Personal Accident Insurance is generally a benefits policy, which pay a sum of money in the event of an accident, injury, disability or death. The policy provides financial support and is designed to complement your existing medical insurance.

If you suffer a serious bodily injury such as loss of sight and hearing, loss of use of limbs or even 3rd degree burns, you will receive a lump sum payout to help cope with the impact. Should you pass away unexpectedly, your family will receive a lump sum payout to help them through the times ahead.

Examples of accidents that are claimable:

- sprained ankle/shoulders
- slips and falls
- fractured bones
- food poisoning
- accidental cuts
- third degree burns
- accident in own car or public transport

Yes! You can buy for your family, parents and children. Kids cover are usually included for free from most insurers, but the coverage for kids will be less, around 20-25% cover of an adult.

Medical expenses: Inpatient and outpatient care in Singapore.

Daily hospital income: Receive cash daily if you are admitted into a hospital, or more if you are quarantined or admitted in ICU.

Accidental death: Covers for death caused by accidents or diseases.

Weekly income for temporary disability: Provides income benefit if you are unable to attend work due to temporary disablement.

Mobility assistance: Covers for the purchase or rental of wheelchair, crutch or hearing aids as prescribed by a Registered Medical Practitioner.

Infectious diseases: Covers expenses incurred in the event of contracting diseases due to insect bites, SARS, Dengue, HFMD, H1N1 etc.

No-claim bonus: A percentage discount ranging from 5-25% off your subsequent policy renewal if you have not made any claims in the preceding year.

Parents/Children cover: Extend the policy benefits to cover parents and/or children.

Funeral grant: Pays a lump sum in the event of accidental death.

In most cases, you will be covered for any short term travel out of Singapore up to 6 consecutive months during the period of insurance. The insurance cover may lapses and all the benefits under the policy will cease if you remain outside of Singapore for more than 6 months without notifying the insurer of your travel intent.

Most insurers accept applications from Occupation Class 1, 2 and 3 only.

Occupation Class 1:

Engaged in only indoor desk-bound administrative, clerical, executive, managerial or professional duties on land of a non-manual nature. E.g. Accountant, Actuary, Clerk, Dentist, Doctor, Housewife, Retiree, Salesperson etc.

Occupation Class 2:

You are engaged in duties on land involving light manual work without any use or control of machinery and with no exposure to any special hazards. E.g. Hairstylist, Fitness gym instructor, store man etc.

Occupation Class 3:

You are engaged in manual work not of particularly hazardous nature but involving the use of tools or machinery. Eg. Baker, Chef, Contractor, Courier, Driver, Hawker, Plumber, Motor Repairer, Veterinary Surgeon etc.

Occupation Class 4:

You are engaged in duties involving heavy manual work or any manual work with use or control of machinery or with exposure to special hazards. Eg. Industrial workers using heavy machinery, oil and gas rig workers, divers, workers handling hazardous chemical / electricity, crane operators etc.

You must notify the insurer as soon as possible after any event giving rise or likely to give rise to a claim and complete a claim form. Proof of the accident such as doctor’s report, police report, original medical receipts, invoices, and supporting documents must be provided.

You may also call us to assist you in your claims submission and we will be very happy to help.

Because of the highly competitive personal accident insurance industry, insurance companies may have promotional rates or new features the next time you renew your insurance. Therefore, your current insurer might not be able to give you the best premium anymore. We can help you to save money or get better terms on your personal accident insurance through comparing quotes at no cost. 

Serving the interest of our clients is always our 1st priority. Personalized support and relationships matter to us. We cut all the noises and give you the best we can find. Let us know if there is anything else we can help, we will be very happy to assist in every way we can.