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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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
Up to S$3.5 million coverage for accidental death or permanent disablement. Customizable to your standard of living.
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).
Worldwide support through a 24-hour Alarm Centre. Assistance with emergency medical, legal referral, and administrative needs.
Protection against acts of terrorism up to S$2 million.
Renew annually until age 75. 5% renewal discount from the 2nd policy year , regardless of claims.
Prestige PACare offers a base plan with optional supplements. Here's a breakdown:
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.
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.
Remember, these are annual premium rates for the first year. You'll get a 5% discount from the second year onwards .
Occupation Class 1: S$10.85
Occupation Class 2: S$14.63
Occupation Class 3: S$19.63
Occupation Class 1: S$252.88
Occupation Class 2: S$298.66
Occupation Class 3: S$396.76
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.
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.
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 .
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
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
It's designed for individuals in occupational classes 1, 2, and 3 (mainly professional, administrative, and light manual work).
The plan is renewable annually up to age 75.
Yes, it's included up to S$2 million.
You should inform Great Eastern Life as it may affect your coverage and premiums.
High-risk activities are covered, but benefits are reduced by 50%.
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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