AIA Centurion PA
We analysed AIA Centurion PA so you don't have to. One fascinating find: Multi-stage dementia coverage, a first in the market! View our full review to see if it fits your needs.
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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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.
Benefits | Plan 1 (S$) | Plan 2 (S$) | Plan 3 (S$) |
---|---|---|---|
Compassionate Accidental Death Benefit | 5,000 | 5,000 | 5,000 |
Broken Bones and Burns Benefit | 10,000 | 15,000 | 30,000 |
Permanent Disability Benefit | 20,000 | 30,000 | 50,000 |
Double Permanent Disability on Public Conveyance | 40,000 | 60,000 | 100,000 |
Loss of Activities of Daily Living Benefit | 20,000 | 30,000 | 60,000 |
Accident Medical Reimbursement (per accident) | 500 | 1,000 | 1,500 |
Daily Accident Hospital Income | 50 per day | 100 per day | 150 per day |
Post-hospitalisation Home Care (per accident) | 800 | 1,000 | 1,200 |
Mobility Aid Benefit (per accident) | 250 | 500 | 750 |
Ambulance Service Benefit (per accident) | 200 | 200 | 200 |
Alzheimer's or Parkinson's Disease Benefit | 1,000 | 2,000 | 3,000 |
Choose from flexible payment frequencies that suit your budget and cash flow preferences. All premiums include 8% GST for transparency in pricing.
Payment Frequency | Plan 1 (S$) | Plan 2 (S$) | Plan 3 (S$) |
---|---|---|---|
Annual Payment | 199.49 | 300.61 | 452.08 |
Semi-Annual Payment | 103.73 | 156.31 | 235.06 |
Monthly Payment | 17.36 | 26.15 | 39.32 |
24/7 coverage anywhere in the world ensures you're protected whether you're at home, traveling for business, or enjoying a vacation abroad.
Unique coverage for Alzheimer's and Parkinson's Disease , addressing the growing concerns of aging populations and providing financial support for these conditions.
Detailed broken bones and burns schedule covering everything from minor fractures to severe burns, with payouts based on injury severity.
Activities of Daily Living benefit provides financial assistance when accidents prevent you from performing basic daily tasks independently.
Double coverage for permanent disability occurring while using public transportation, recognizing the increased risks of commuting.
Comprehensive coverage including medical reimbursement, hospital income, home care, and mobility aids to support your complete recovery journey.
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.
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.
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.
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.
Surgical dislocations and internal injuries requiring surgery receive coverage from 2.4% to 48% depending on the affected body part and severity.
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.
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.
Loss of one eye or one limb receives 100% of coverage amount, providing substantial financial support for major life adjustments and adaptations.
Hearing loss, speech loss, and loss of digits receive proportional benefits from 5% to 40% based on the functional impact of the disability.
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.
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.
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.
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.
Worldwide protection 24/7 means you're covered whether at home or abroad, providing peace of mind for frequent travelers and active lifestyles.
Unique coverage for Alzheimer's and Parkinson's Disease addresses modern health concerns that traditional accident plans often overlook.
Choose annual, semi-annual, or monthly payments to match your cash flow preferences and budgeting needs.
Transparent payout schedules ensure you know exactly what coverage you have for different types of injuries and disabilities.
Backed by AIA's century of experience and strong financial position , with US$302 billion in total assets and presence across 18 markets.
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.
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