Personal Accident

AIA Prime Assured: Live Your Prime Life Worry-Free

Accidents can happen anytime, anywhere. Should you suffer a serious injury, the financial consequences for you and your family can be devastating. AIA Prime Assured offers worldwide accident protection so you can focus on recovery without worrying about hospital or medical treatment costs.

This comprehensive personal accident plan provides round-the-clock protection anywhere in the world . The plan also caters to aging needs by covering Alzheimer's and Parkinson's Disease, broken bones, and the inability to perform activities of daily living due to an accident.

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Comprehensive Coverage Benefits

AIA Prime Assured offers 11 different types of benefits across three plan options, ensuring you have adequate protection for various accident-related scenarios. From compassionate death benefits to specialized coverage for age-related conditions, this plan provides comprehensive financial support when you need it most.

Plan Options and Benefits

BenefitsPlan 1 (S$)Plan 2 (S$)Plan 3 (S$)
Compassionate Accidental Death Benefit5,0005,0005,000
Broken Bones and Burns Benefit10,00015,00030,000
Permanent Disability Benefit20,00030,00050,000
Double Permanent Disability on Public Conveyance40,00060,000100,000
Loss of Activities of Daily Living Benefit20,00030,00060,000
Accident Medical Reimbursement (per accident)5001,0001,500
Daily Accident Hospital Income50 per day100 per day150 per day
Post-hospitalisation Home Care (per accident)8001,0001,200
Mobility Aid Benefit (per accident)250500750
Ambulance Service Benefit (per accident)200200200
Alzheimer's or Parkinson's Disease Benefit1,0002,0003,000

Why compare AIA Prime Life 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

Affordable Premium Options

Choose from flexible payment frequencies that suit your budget and cash flow preferences. All premiums include 8% GST for transparency in pricing.

Payment FrequencyPlan 1 (S$)Plan 2 (S$)Plan 3 (S$)
Annual Payment199.49300.61452.08
Semi-Annual Payment103.73156.31235.06
Monthly Payment17.3626.1539.32

Key Coverage Features

Worldwide Protection

24/7 coverage anywhere in the world ensures you're protected whether you're at home, traveling for business, or enjoying a vacation abroad.

Age-Related Coverage

Unique coverage for Alzheimer's and Parkinson's Disease , addressing the growing concerns of aging populations and providing financial support for these conditions.

Comprehensive Injury Coverage

Detailed broken bones and burns schedule covering everything from minor fractures to severe burns, with payouts based on injury severity.

Daily Living Support

Activities of Daily Living benefit provides financial assistance when accidents prevent you from performing basic daily tasks independently.

Enhanced Public Transport Protection

Double coverage for permanent disability occurring while using public transportation, recognizing the increased risks of commuting.

Medical and Recovery Support

Comprehensive coverage including medical reimbursement, hospital income, home care, and mobility aids to support your complete recovery journey.

Broken Bones and Burns Coverage Details

The plan provides detailed coverage for various types of fractures and burns , with payouts calculated as a percentage of your coverage amount based on the severity and location of the injury. This ensures fair compensation that reflects the impact of different injuries on your life and recovery.

Major Fractures (Up to 60%)

Hip, pelvis, and thigh fractures receive the highest payouts, with compound and multiple fractures receiving up to 60% of coverage due to their severity and longer recovery times.

Moderate Fractures (6-30%)

Lower leg, skull, arm, and ankle fractures are covered with payouts ranging from 6% to 30% based on complexity , including special provisions for surgical interventions.

Burn Injuries (4.8-24%)

Third-degree burns are covered based on body surface area affected , from 4.8% for burns covering 4.5% of body surface up to 24% for extensive burns covering 27% or more.

Dislocations and Internal Injuries

Surgical dislocations and internal injuries requiring surgery receive coverage from 2.4% to 48% depending on the affected body part and severity.

Permanent Disability Benefits

The permanent disability schedule provides comprehensive coverage for life-altering injuries , with benefits ranging from 5% to 150% of your coverage amount. The plan recognizes that some disabilities have a more significant impact on your life and earning capacity.

Total Disability (150%)

Loss of both eyes, two limbs, or speech and hearing receives the maximum 150% payout, recognizing the profound impact on quality of life and earning capacity.

Significant Disability (100%)

Loss of one eye or one limb receives 100% of coverage amount, providing substantial financial support for major life adjustments and adaptations.

Partial Disability (5-40%)

Hearing loss, speech loss, and loss of digits receive proportional benefits from 5% to 40% based on the functional impact of the disability.

Important Coverage Considerations

Coverage amounts are reduced by 50% from age 81 onwards, reflecting the increased risk profile of older policyholders. Most benefits are payable only as a result of injuries due to accidents, with the Alzheimer's or Parkinson's Disease benefit being the exception.

The plan includes annual and per-accident limits to ensure sustainable coverage while providing adequate protection for most scenarios. Get expert advice from 5 different insurance advisors to understand how this plan fits into your overall protection strategy.

Real-Life Protection Scenarios

Overseas Travel Accident

While traveling abroad, you suffer a compound hip fracture in a skiing accident. Plan 3 would provide S$18,000 (60% of S$30,000) for the fracture, plus medical reimbursement up to S$1,500, daily hospital income of S$150, and ambulance coverage.

Workplace Injury

A workplace accident results in the loss of your thumb. You'd receive S$7,500 under Plan 3 (15% of S$50,000) for permanent disability, helping you adapt to this life-changing injury.

Public Transport Accident

A bus accident causes permanent total disability. Plan 3 provides S$100,000 for the disability, doubled to S$200,000 because it occurred on public transportation, recognizing the additional trauma and impact.

Why Choose AIA Prime Assured?

Comprehensive Global Coverage

Worldwide protection 24/7 means you're covered whether at home or abroad, providing peace of mind for frequent travelers and active lifestyles.

Age-Inclusive Benefits

Unique coverage for Alzheimer's and Parkinson's Disease addresses modern health concerns that traditional accident plans often overlook.

Flexible Premium Options

Choose annual, semi-annual, or monthly payments to match your cash flow preferences and budgeting needs.

Detailed Benefit Structure

Transparent payout schedules ensure you know exactly what coverage you have for different types of injuries and disabilities.

Trusted Insurance Provider

Backed by AIA's century of experience and strong financial position , with US$302 billion in total assets and presence across 18 markets.

Get Expert Guidance

Choosing the right accident protection plan requires careful consideration of your lifestyle, risk factors, and financial needs. Don't make this important decision alone.

Get personalized advice from 5 qualified insurance advisors who can help you understand how AIA Prime Assured fits into your overall protection strategy. These experts will review your specific situation and provide tailored recommendations to ensure you have the right coverage for your needs.

Get 5 Expert Opinions on Accident Insurance

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