Personal Accident

Income PA Assurance: Your Complete Guide to Comprehensive Accident Protection

Are you worried about the financial impact of accidents on you and your family? You're not alone. Accidents can happen to anyone, anytime, anywhere. That's where Income PA Assurance comes in. Let's explore how this versatile plan can protect you and your loved ones, giving you peace of mind in an unpredictable world.

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What is Income PA Assurance?

Income PA Assurance is a comprehensive personal accident insurance plan designed to protect you and your family from the financial hardships that accidents can bring. It offers worldwide coverage and can be enhanced with optional infectious disease protection. Here's what makes it stand out:

  • Flexible Coverage: Choose from four plans with increasing levels of protection.

  • Affordable Premiums: Start from as low as $0.54 a day.

  • Family-Friendly: 40% discount on premiums for children if at least one parent is insured under the same policy.

  • Optional Infectious Disease Cover: Protect against 21 specified infectious diseases.

Key Features of Income PA Assurance

Accident Protection

  • Covers accidental death and permanent disability

  • Pays for medical expenses due to accidents

  • Provides daily hospital income and weekly cash benefits

Comprehensive Benefits

  • Covers physiotherapy and home modification expenses

  • Includes mobility aids and ambulance fees

  • Offers trauma counseling and child support fund

Optional Infectious Disease Cover

  • Protects against 21 infectious diseases including dengue fever, SARS, and COVID-19

  • Provides similar benefits as accident coverage for infectious diseases

Worldwide Coverage

Protection while in Singapore and up to 180 days when traveling abroad

Real premiums suggested for Income PA Assurance

26, Female making $5,265 a month

Coverage:
tcm treatment
$500
accidental death
$100,000
medical expenses
$2,000
Premium:
$219.03
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23, Female making $2,600 a month

Coverage:
tcm chiropractic
$250
ambulance mobility aids
$700
accidental death dismemberment
$50,000
accidental medical reimbursement
$1,000
Premium:
$96
Read More

23, Male making $2,500 a month

Coverage:
death benefit
$100,000
tcm treatment
$500
medical expenses
$2,000
Premium:
$219.03
Read More

26, Female making $9,166.667 a month

Coverage:
death benefit
$100,000
medical expenses
$2,000
tcm chiropractor
$500
Premium:
$219.03
Read More

24, Female making $83,333.333 a month

Coverage:
Premium:
$176.64
Read More
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What Does It Cover?

Income PA Assurance offers four plans with increasing levels of coverage. Here's a simplified breakdown of key benefits:

Basic Benefits (Plan 1 / Plan 2 / Plan 3 / Plan 4)

  • Accidental Death: $100,000 / $250,000 / $500,000 / $1,000,000

  • Permanent Disability: $150,000 / $375,000 / $750,000 / $1,500,000

  • Medical Expenses: $2,000 / $5,000 / $10,000 / $20,000 per accident

  • Daily Hospital Income: $100 / $200 / $300 / $400 per day

  • Child Support Fund: $5,000 / $15,000 / $25,000 / $35,000

Optional Infectious Disease Cover (Plan 1 / Plan 2 / Plan 3 / Plan 4)

  • Death Benefit: $100,000 / $250,000 / $300,000 / $500,000

  • Permanent Disability: $100,000 / $250,000 / $300,000 / $500,000

  • Medical Expenses: $2,000 / $5,000 / $10,000 / $20,000 per infectious disease

How Much Does It Cost?

Remember, there's a 40% discount on premiums for children if at least one parent is insured under the same policy.

Without Infectious Disease Cover (Group A / Group B)

  • Plan 1: $198 / $428

  • Plan 2: $417 / $779

  • Plan 3: $730 / $1,235

  • Plan 4: $950 / $1,900

With Infectious Disease Cover (Group A / Group B)

  • Plan 1: $217 / $492

  • Plan 2: $480 / $895

  • Plan 3: $840 / $1,420

  • Plan 4: $1,092 / $2,185

Real-Life Examples

Accidental Injury

If you fall and break your leg: Your medical bills would be covered (up to your plan limit), you'd receive daily hospital income during your stay, physiotherapy expenses would be covered, and if you need crutches or a wheelchair, the plan would help pay for them.

Infectious Disease

If you contract dengue fever (with optional infectious disease cover): Your medical expenses would be covered, you'd receive daily hospital income if admitted, and treatment by a Chinese medicine practitioner would be covered.

Permanent Disability

If an accident leaves you permanently disabled: You'd receive a lump sum payment based on the severity of disability, home modification expenses would be covered, and you'd be eligible for trauma counseling.

Pros and Cons

Pros

  • Comprehensive coverage for accidents and optional infectious disease protection

  • Flexible plans to suit different needs and budgets

  • Family-friendly with discounts for children

  • Worldwide coverage

  • Covers a wide range of expenses including TCM and chiropractic treatment

Cons

  • Infectious diseases diagnosed within 14 days of policy start are not covered

  • Does not cover epidemics or pandemics until they are declared over

  • Coverage reduces after age 65

Frequently Asked Questions

Who can apply for this plan?

Anyone with a valid Singapore identification document, aged 15 days to 65 years old.

Can I get coverage if I'm over 65?

Coverage may be extended up to 75 years old, subject to new terms.

Are pre-existing conditions covered?

Generally, pre-existing conditions are not covered.

How long am I covered when traveling abroad?

You're covered for up to 180 consecutive days when outside Singapore.

What's not covered under the infectious disease benefit?

Diseases diagnosed within 14 days of policy start, and ongoing epidemics or pandemics.

Wrapping It Up

Income PA Assurance offers a comprehensive solution for protecting you and your family against the financial impact of accidents and, optionally, infectious diseases. With its flexible plans, family-friendly discounts, and wide-ranging benefits, it provides a safety net that can give you peace of mind in today's unpredictable world.

Whether you're a young professional, a parent with growing children, or approaching retirement, this plan can be tailored to suit your needs and budget. The optional infectious disease cover is particularly relevant in today's health landscape.

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

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Why people were suggested Income PA Assurance

Anne
Anne, 26
GenderFemale
Monthly Income$5,265
Insurance Types Suggested
  • Personal Accident
  • Critical Illness
  • Disability
  • Whole Life
Why PA Assurance Plan 1 with Infectious Disease Cover was suggested:
The PA Assurance Plan 1 with Infectious Disease Cover is recommended as a basic personal accident coverage to protect against unexpected medical expenses and accidental death. As the prospect does not actively participate in sports activities, the lowest tier Plan 1 should provide adequate coverage with $2,000 for medical expenses, $100,000 for accidental death, and $500 for TCM treatment per accident.
Haziqah
Haziqah , 23
GenderFemale
Monthly Income$2,600
Insurance Types Suggested
  • Personal Accident
  • Whole Life
  • Investment Linked Plan
  • Endowment
Why Personal Accident Plan A was suggested:
A Personal Accident Plan is recommended to provide coverage for accidental death, dismemberment, and medical expenses related to accidents. This plan offers additional protection beyond the core life and health insurance plans, catering to potential accidents or infectious diseases that may affect the prospect or their dependents.
Bryan
Bryan, 23
GenderMale
Monthly Income$2,500
Insurance Types Suggested
  • Hospital
  • Personal Accident
  • Critical Illness
  • Endowment
Why PA Assurance Plan 1 with Infectious Disease Cover was suggested:
The PA Assurance Plan 1 with Infectious Disease Cover is recommended to provide personal accident coverage, which safeguards against unexpected accidents by reimbursing medical expenses and offering coverage for accidental death. As the prospect does not actively participate in sports activities, Plan 1 offers adequate coverage with $2,000 for medical expenses, $100,000 death benefit, and $500 per accident for TCM treatment. It also extends coverage to infectious diseases like dengue fever and food poisoning.
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