Personal Accident

AIA Solitaire Personal Accident: Comprehensive Protection for Life's Unexpected Moments

Accidents can happen anytime, anywhere, and when they do, the financial impact can be overwhelming. AIA Solitaire Personal Accident is a comprehensive personal accident plan designed to provide 24/7 worldwide coverage for adults aged 16 to 65. Whether you're at home, at work, or traveling abroad, this plan ensures you're protected against the unexpected costs of accidental injuries, disability, and death.

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What is AIA Solitaire Personal Accident?

AIA Solitaire Personal Accident is a specialized insurance plan that provides financial assistance with costs associated with accidental injuries, disability, and death . The plan offers coverage for adults aged 16 to 65 at the point of application and can be renewed yearly until age 74.

What makes this plan unique is its comprehensive approach to accident protection . You can choose from basic benefits or enhance your coverage with optional benefit groups for more comprehensive protection tailored to your lifestyle needs.

Coverage Plans and Benefits

Plan 1 - Essential Protection

Accidental Death: S$100,000 b>Dismemberment & Burns: S$100,000 b>Permanent Total Disablement: S$150,000 b>Medical Reimbursement: S$2,000

Plan 2 - Enhanced Coverage

Accidental Death: S$250,000 b>Dismemberment & Burns: S$250,000 b>Permanent Total Disablement: S$375,000 b>Medical Reimbursement: S$3,000

Plan 3 - Comprehensive Protection

Accidental Death: S$500,000 b>Dismemberment & Burns: S$500,000 b>Permanent Total Disablement: S$750,000 b>Medical Reimbursement: S$4,000

Plan 4 - Maximum Coverage

Accidental Death: S$750,000 b>Dismemberment & Burns: S$750,000 b>Permanent Total Disablement: S$1,125,000 b>Medical Reimbursement: S$5,000

Why compare AIA Pink of Health 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

Basic Benefits Included

Accidental Death Benefit

Provides 100% payout if death occurs within 365 days from the date of accident. This ensures your family receives immediate financial support during a difficult time.

Accidental Dismemberment and Burns

Covers various levels of dismemberment and burns with payouts ranging from 1% to 150% of insured amount, depending on severity. Includes coverage for loss of sight, limbs, speech, and hearing.

Permanent Total Disablement

Provides enhanced coverage (up to 150% of basic death benefit) if you become permanently and totally disabled, unable to work or perform daily activities.

Double Indemnity on Public Transport

Additional 100% payout if accidental death occurs while traveling as a fare-paying passenger on public conveyance, doubling your family's protection.

Medical Reimbursement

Covers reasonable medical expenses including treatment, hospitalization, nursing care, and physiotherapy within 365 days of the accident.

Traditional Chinese Medicine Coverage

Reimburses expenses for Traditional Chinese Medicine and chiropractic treatments, providing alternative healing options for your recovery.

Optional: Lifestyle Maintenance Benefits

Enhance your protection with additional benefits designed to help maintain your quality of life after an accident:

Weekly Income Benefit

Provides weekly income replacement during temporary total or partial disability. Covers up to 52 weeks, ensuring continuous financial support during recovery.

Mobility Aids Reimbursement

Covers costs of mobility aids like wheelchairs, walking frames, and motorized scooters recommended by medical practitioners.

Home Modification Benefit

Reimburses expenses for home modifications such as installing grab bars, widening doorways, and adding ramps to accommodate disabilities.

Family Support Fund

Provides additional financial support to your family if you suffer accidental death or permanent total disablement.

Optional: Accidental Hospitalisation Benefits

Additional hospital-related benefits for comprehensive accident coverage:

Daily Hospital Income

Daily cash benefit for each day of hospitalization due to accidents, up to 365 days per accident.

ICU Benefit

Additional daily benefit for intensive care unit stays, up to 30 days per accident, on top of regular hospital income.

Ambulance Services

Covers ambulance transportation costs to local hospitals, including attendant fees.

Broken Bones Benefit

Specific coverage for fractures and dislocations with payouts based on severity and location of injury.

Emergency Medical Evacuation

Covers emergency medical evacuation and repatriation services when traveling outside Singapore.

Premium Costs

AIA Solitaire Personal Accident offers affordable protection with flexible payment options . Premiums vary based on your occupation class, age, and selected plan:

Ages 16-65 (Occupational Classes 1 & 2)

Plan 1: From S$15.34/month b>Plan 2: From S$25.21/month b>Plan 3: From S$40.83/month b>Plan 4: From S$58.44/month

Ages 16-65 (Occupational Classes 3 & 4)

Plan 1: From S$26.84/month b>Plan 2: From S$44.31/month b>Plan 3: From S$71.78/month b>Plan 4: From S$102.80/month

Payment Flexibility

Choose from monthly, semi-annual, or annual payment options to suit your budget. All premiums include 7% GST.

Special Coverage Extensions

AIA Solitaire goes beyond basic accident coverage with these special extensions:

Terrorism & Civil Unrest

Coverage for injuries from terrorism, riots, strikes, and civil commotion, provided you didn't participate or provoke such acts.

Natural Disasters

Protection against exposure to floods, earthquakes, tsunamis, volcanic eruptions, and other natural disasters.

Criminal Acts

Coverage for injuries from hijacking, murder, assault, and other criminal acts where you're an innocent victim.

Sports & Recreation

Covers amateur sports activities and recreational pursuits, including motor-cycling (with proper safety gear and licensing).

Travel Protection

Coverage extends to private flights for business travel and includes protection against food poisoning and insect/animal attacks.

Key Policy Features

Renewal Bonus

Enjoy a 5% annual bonus on major benefits for up to 5 years, provided no dismemberment claims are made.

Worldwide Coverage

24/7 protection anywhere in the world , ensuring you're covered whether at home or abroad.

Flexible Renewal

Annual renewable coverage until age 74, with the option to adjust your plan as your needs change.

Free Look Period

14-day free look period to review your policy and cancel if not satisfied, with full premium refund.

Real-Life Protection Scenarios

Workplace Accident

A construction worker suffers a severe hand injury requiring surgery and 3 months off work. The plan covers medical expenses, provides weekly income replacement, and pays for any required mobility aids.

Traffic Accident

A motorcyclist is involved in a serious accident resulting in leg fractures. Coverage includes ambulance costs, hospital income, broken bones benefit, and home modifications if needed.

Travel Emergency

While traveling overseas, you suffer a serious accident requiring emergency evacuation back to Singapore. The plan covers evacuation costs and continued medical treatment.

Important Considerations

While AIA Solitaire Personal Accident provides comprehensive coverage, it's important to understand what's not covered:

  • Pre-existing medical conditions

  • Self-inflicted injuries or suicide attempts

  • Injuries from war, military operations, or illegal activities

  • Professional sports participation

  • Treatment for diseases or illnesses (except specifically covered items)

  • Cosmetic surgery unless necessitated by injury

  • Alcohol or drug-related incidents

Why Choose AIA Solitaire Personal Accident?

Comprehensive Protection

Covers a wide range of accident scenarios with multiple benefit options to suit different needs and budgets.

Flexible Coverage

Choose your base plan and add optional benefits to create a customized protection package.

Affordable Premiums

Competitive pricing with multiple payment options to fit your budget.

Trusted Insurer

Backed by AIA Singapore's strong financial stability and excellent claims service record.

Get Expert Advice

Ready to protect yourself and your family from life's unexpected accidents? Don't make this important decision alone. Personal accident insurance is a crucial part of your financial protection strategy, and choosing the right coverage requires careful consideration of your lifestyle, occupation, and family needs.

Get personalized advice from multiple insurance experts who can help you compare AIA Solitaire Personal Accident with other options in the market. Our network of qualified advisors will review your specific situation and provide tailored recommendations to ensure you get the best protection for your circumstances.

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