Personal Accident
Overview
PA Assurance is Income Insurance’s flagship personal‑accident plan. It pays lump‑sum benefits for accidental death or disability, reimburses medical expenses, and even gives daily cash while you recover in hospital. You can boost the policy further with an optional rider that covers 25 common infectious diseases such as dengue, HFMD and shingles.
Plans & Core Benefits at a Glance
| Benefit (maximum per person) | Basic | Classic | Superior | Premium | Prestige |
|---|---|---|---|---|---|
| Accidental death | S$100 k | S$200 k | S$300 k | S$500 k | S$1 m |
| Permanent disability (per policy yr) | 150 k | 300 k | 450 k | 750 k | 1.5 m |
| Medical expenses (per accident) | 2 k | 3 k | 5 k | 10 k | 20 k |
| Daily hospital cash (up to 365 days/yr) | S$100 | 150 | 200 | 300 | 400 |
ICU days pay up to S$1,200 per day under higher tiers.
More Reasons People Choose PA Assurance
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Double payout on public transport accidents – death benefit is doubled if the accident occurs on MRT, bus, taxi or plane.
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Alternative‑care reimbursement – covers TCM and chiropractic treatment for accident injuries.
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Home‑modification & mobility aids – lump sums for ramps, grab bars, crutches or wheelchairs after a serious injury.
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Family Support Fund – up to S$35,000 to help dependants if you pass away in an accident.
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Infectious‑Disease Rider (optional) – mirrors the main benefits for 25 diseases, including hospital cash and evacuation, plus death & disability up to S$500 k.
Eligibility & Entry Rules
| Criterion | Requirement |
|---|---|
| Age at entry | 15 days – 65 years (renewable to 75 on reduced sums) |
| Residency | Singapore Citizen, PR or valid pass‑holder, living/working here ≤ 180 days abroad at any time |
| Occupation classes | Group A (office/light manual) or Group B (skilled/manual, uniformed services) – premiums differ |
| Family discount | 40 % off each child when insured with a parent on the same policy |
Frequently Asked Questions
Can I claim medical expenses and hospital cash for the same accident?
Yes – medical bills are reimbursed up to your plan limit, and hospital cash is paid per inpatient day, even for the same event.
Does the policy cover sports injuries?
Recreational sports are covered (with safety gear and licensed supervision where applicable). Professional sports and high‑risk pursuits listed in the exclusions are not.
Is there a waiting period?
No waiting period for accident claims. The infectious‑disease rider has a 14‑day waiting period from policy start.
Are overseas accidents covered?
Yes, worldwide 24/7, as long as you have not been outside Singapore for more than 180 consecutive days.
Can I upgrade my plan later?
You may request a higher tier at renewal, subject to Income’s underwriting approval and revised premium.
How to Claim
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Seek treatment and keep all original bills.
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Notify Income within 30 days via online portal or phone.
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Submit documents (medical report, receipts, police report if applicable).
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Payout is targeted within 20 working days once all papers are in.
Policy Changes, Cancellation & Refunds
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Free‑look – 14 days to review; full premium refund if you cancel and no claim was made.
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After free‑look – pro‑rated refund of 85 % of unused premium (minimum S$38.15) if no claim was made.
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Insurer’s right to amend premiums – premiums are non‑guaranteed; 30 days’ notice will be given before any change.