Personal Accident

Prestige PACare: Your Ultimate Guide to Premium Personal Accident Coverage

Are you worried about maintaining your quality of life if an unexpected accident occurs? You're not alone. Many Singaporeans are concerned about the financial impact of accidents on their families. That's where Prestige PACare comes in. Let's explore how this premium personal accident plan can provide you with exceptional protection and peace of mind .

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What is Prestige PACare?

Prestige PACare is a high-end personal accident insurance plan offered by Great Eastern Life . It's designed to provide comprehensive coverage that allows you and your loved ones to maintain your quality of life in the event of an accident. Here's what makes it stand out:

  • High Coverage: Up to S$3.5 million for permanent disablement or accidental death

  • Worldwide Protection: 24/7 coverage, including acts of terrorism

  • Flexible Options: Customizable coverage to suit your lifestyle and needs

  • Guaranteed Renewability: Annual renewal up to age 75

  • Renewal Discount: 5% discount on premiums from the 2nd policy year onwards

Key Features of Prestige PACare

Exceptional Coverage

Up to S$3.5 million coverage for accidental death or permanent disablement. Customizable to your standard of living.

Extensive Medical Expense Reimbursement (Optional)

Up to S$20,000 per accident. Includes coverage for mobility aids (up to S$1,000) and Traditional Chinese Medicine (TCM) and chiropractic treatments (up to S$500).

24-Hour Emergency Assistance (Optional)

Worldwide support through a 24-hour Alarm Centre. Assistance with emergency medical, legal referral, and administrative needs.

Terrorism Coverage

Protection against acts of terrorism up to S$2 million.

Guaranteed Renewability and Discount

Renew annually until age 75. 5% renewal discount from the 2nd policy year , regardless of claims.

Why compare GREAT Prestige PACare 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

What Does It Cover?

Prestige PACare offers a base plan with optional supplements. Here's a breakdown:

Base Plan

Accidental Death & Permanent Disablement : Sum assured: S$10,000 per unit of coverage. Total coverage can be between S$1 million and S$3.5 million.

Optional Supplements

  • Medical Expense Reimbursement: Up to S$20,000 per accident. Includes up to S$500 for TCM or chiropractic treatments and up to S$1,000 for mobility aids.

  • Emergency Assistance Service: Covers emergency medical evacuation and repatriation, repatriation of mortal remains, compassionate visit, return of minor children, non-medical escort, and additional accommodation expenses.

How Much Does It Cost?

Remember, these are annual premium rates for the first year. You'll get a 5% discount from the second year onwards .

Base Plan

  • Occupation Class 1: S$10.85

  • Occupation Class 2: S$14.63

  • Occupation Class 3: S$19.63

Optional Medical Expense Reimbursement

  • Occupation Class 1: S$252.88

  • Occupation Class 2: S$298.66

  • Occupation Class 3: S$396.76

Real-Life Examples

Serious Accident While Traveling

If you're involved in a severe accident overseas: You could receive up to S$3.5 million for permanent disablement . Your medical expenses would be covered up to S$20,000. The 24-hour emergency assistance would help with medical evacuation if needed.

Sports Injury

If you're injured while playing sports: Your medical bills would be covered up to S$20,000. You could claim for TCM or chiropractic treatments to aid recovery. If you need crutches or a wheelchair, the plan would help pay for them.

Workplace Accident

If you're injured at work: You'd receive a payout based on the severity of your injury. Your medical expenses would be covered. If you suffer permanent disablement, you could receive up to S$3.5 million .

Pros and Cons

Pros

  • Very high coverage amount (up to S$3.5 million)

  • Worldwide protection, including terrorism coverage

  • Flexible options to customize your plan

  • Covers alternative treatments like TCM

  • Guaranteed renewability until age 75

  • 5% renewal discount from the second year

Cons

  • Higher premiums compared to basic personal accident plans

  • Benefits reduced by 50% for high-risk activities

  • Limited to three occupation classes (mainly non-manual and light manual work)

  • May be more coverage than some individuals need

Frequently Asked Questions

Who is eligible for Prestige PACare?

It's designed for individuals in occupational classes 1, 2, and 3 (mainly professional, administrative, and light manual work).

Can I get coverage if I'm over 75?

The plan is renewable annually up to age 75.

Is the terrorism coverage included in the base plan?

Yes, it's included up to S$2 million.

What if I change jobs to a different occupational class?

You should inform Great Eastern Life as it may affect your coverage and premiums.

Are extreme sports covered?

High-risk activities are covered, but benefits are reduced by 50%.

Wrapping It Up

Prestige PACare offers exceptional personal accident coverage for those seeking high-level protection . With its substantial coverage amount, worldwide protection, and flexible options, it's designed to maintain your quality of life even in the face of serious accidents.

While it comes with higher premiums than basic plans, the comprehensive coverage and additional benefits like terrorism protection and alternative treatment coverage make it a strong choice for professionals and individuals with high-value lifestyles.

Remember, the best insurance is the one that fits your specific needs and situation. Consider your lifestyle, occupation, and existing coverage before making a decision.

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