Personal Accident

AIA Centurion PA: Embrace Your Golden Years with Greater Confidence

Age confidently with the first personal accident plan that offers multi-stage dementia coverage and services . With high entry age and coverage till 100 years old, this comprehensive plan is designed specifically for your golden years.

Did you know that 1 in 10 people above the age of 60 suffers from dementia ? Even more concerning, over 50% of Singaporeans are not covered against neurological diseases . What if your personal accident plan could protect both mind and body?

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Why AIA Centurion PA is Perfect for Your Sunset Years

While your sunset years may free you from commitments, they may also tie you down with growing worries of illnesses and accidents. With AIA Centurion PA, you can age confidently with comprehensive worldwide coverage for medical, Traditional Chinese Medicine (TCM) and chiropractic treatment costs, transport accidents, accident-related injuries, and more.

Starting your protection journey late isn't something to worry about, thanks to our high entry age of up to 80 years old, for protection all the way till age 100 . What's more, this is also the first plan in the market to offer optional coverage for multi-stage dementia , as well as preventive, diagnostic and recovery care.

Comprehensive Protection for Physical Health

Enjoy 24/7 worldwide protection with guaranteed acceptance and no health questions asked for basic coverage.

Accident Coverage

  • Accidental death and disability

  • Accidental injury and drowning

  • Natural disasters and terrorism/assault

  • Strikes, riots, and suffocation

Medical & Treatment Coverage

  • Amateur sports injuries

  • Food poisoning and insect/animal bites

  • Physiotherapy and TCM treatment

  • Medical reimbursement benefits

Long-lasting Protection

Start your coverage from age 40 to as high as 80 years old , for protection till 100 years old. Get covered with guaranteed acceptance and no health questions asked.

Why compare AIA Centurion PA with other Personal Accident options through Whatins?

Traditional Approach

  • Limited to one company's definitions
  • May not know about better coverage elsewhere
  • Single view on occupation classifications

Whatins Advantage

  • Compare accident definitions across insurers
  • See how different plans cover various activities
  • Get multiple views on occupation coverage
  • Understand different approaches to sports coverage

Revolutionary Mental Health Protection

AIA Centurion PA is the first in market to offer optional dementia benefits, extending your coverage to include multi-stage protection.

Multi-Stage Dementia Coverage

Covers Alzheimer's Disease, Severe Dementia, and Parkinson's Disease with reimbursement for day-care, home care, or nursing home expenses till age 85.

Easy Application

Get covered with only 2 health questions asked and no medical check-up required for dementia benefits.

Comprehensive Care Support

Includes preventive, diagnostic and recovery care services to ensure comprehensive support throughout your journey.

Value-Added Services Beyond Financial Protection

We're dedicated to making healthcare support accessible and affordable for you. With AIA Centurion PA, you can enjoy exclusive access to home care services and on-demand teleconsultation .

Jaga-Me Home Care Services

Access negotiated rates for home care services provided by a local mobile medical and home care provider, ensuring quality care in the comfort of your home.

WhiteCoat Telemedicine

Receive on-demand video teleconsultations with Singapore-registered doctors and have your medicine delivered to you for a flat teleconsultation fee of S$12.

AIA Vitality Benefits

Enjoy basic health screening at no charge for AIA Vitality members. Level up your AIA Vitality status to receive extensive partner benefits and rewards.

Comprehensive Benefits Overview

Important Note: Coverage amounts for most benefits will be reduced by 50% from the policy anniversary on or after your 81st birthday.

Basic BenefitsPlan 1 (S$)Plan 2 (S$)Plan 3 (S$)
Accidental Death Benefit30,00060,000100,000
Accidental Dismemberment and Burns30,00060,000100,000
Additional Accidental Dismemberment30,00060,000100,000
Fractures Benefit10,00015,00030,000
Loss of Activities of Daily Living20,00030,00060,000
Accidental Medical Reimbursement1,0002,0003,000
Extra Medical Reimbursement (Fractures)1,0002,0003,000
TCM / Chiropractic Reimbursement250500750
Ambulance Services200200200
Daily Hospital Income50100150
Post-hospitalisation Home Care8001,0001,200
Mobility Aid Reimbursement250500750
Home Modification Reimbursement5,00010,00015,000

Optional Dementia Benefits Coverage

The dementia benefit provides multi-stage coverage with early and intermediate stage paying 50% of coverage amount (one-time payout), and major stage paying 100% of coverage amount less any previous payouts.

Dementia BenefitsOption 1 (S$)Option 2 (S$)Option 3 (S$)
Early & Intermediate Stage (50% payout)30,00050,000100,000
Major Stage (100% payout)Full AmountFull AmountFull Amount
Dementia Care Reimbursement (24 months)6,00010,00020,000

Affordable Annual Premiums

Note: Premium rates are not guaranteed and will increase with age. All premiums are inclusive of 9% GST.

Age GroupPlan 1 (S$)Plan 2 (S$)Plan 3 (S$)
40 to 65310.65421.83640.92
66 to 75457.80590.78898.16
76 to 85675.80888.351,438.80
86 to 99872.001,463.872,338.05

Key Terms and Important Information

Entry Age Requirements

Last entry age for basic benefits is 80 years old . For optional Dementia Benefit, last entry age is 70 years old .

Coverage Duration

Protection continues till age 100 , with some benefit reductions after age 81.

Health Requirements

No health questions for basic benefits. Only 2 health questions for optional dementia benefits.

AIA Vitality Integration

Enjoy basic health screening at no charge for the first year. Maintain Gold or Platinum status to continue this benefit.

Is AIA Centurion PA Right for You?

AIA Centurion PA is ideal if you're looking for comprehensive accident protection with innovative dementia coverage . This plan is particularly suitable for individuals aged 40-80 who want worldwide protection that extends into their golden years.

The combination of traditional accident benefits with groundbreaking dementia coverage makes this a unique offering in the Singapore insurance market. With guaranteed acceptance and minimal health questions , it's accessible even for those who might face challenges with other insurance applications.

Consider this plan if you value the peace of mind that comes with knowing both your physical and mental health are protected, along with access to quality healthcare services and support.

Get Expert Advice on AIA Centurion PA

Choosing the right personal accident and dementia coverage is a crucial decision that impacts your golden years. Don't navigate this important choice alone. Get personalized insights from 5 different insurance experts who can evaluate your specific needs and circumstances.

Our network of qualified advisors will help you understand how AIA Centurion PA fits into your overall insurance portfolio and whether the coverage levels and optional benefits align with your protection goals. Get expert opinions tailored to your unique situation and make an informed decision about your future protection.

Get 5 Expert Opinions on AIA Centurion PA

Podcast Transcript: AIA Centurion PA

Read the complete transcript of our expert discussion about AIA Centurion PA. This detailed analysis covers key features, benefits, and important considerations for potential policyholders.

Supporting Older Adults in Singapore: Planning for the Golden Years

Okay, so let's dive in. Thinking about the future, maybe supporting parents or grandparents as they get older. It's some

Click above to view the complete podcast transcript

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