Are you worried about unexpected accidents disrupting your life and finances? You're not alone. Accidents can happen to anyone, anytime. That's where PA Guard comes in. Let's explore how this flexible personal accident plan can help you pursue life's adventures with peace of mind.
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PA Guard is a comprehensive personal accident insurance plan offered by Income Insurance Limited. It's designed to provide flexible coverage that suits your lifestyle and needs . Here's what makes it stand out:
Choose from different plans and optional benefits.
Get extra protection for accidents on public transport.
Optional benefits to help maintain your standard of living after an accident.
Optional benefits to cover hospital expenses due to accidents.
Enjoy up to 25% bonus on your sum insured for claim-free years.
Up to $750,000 for accidental death br>Up to $1,125,000 for permanent disability
Up to $750,000 extra payout for accidents on public transport
Up to $6,000 for medical expenses per accidentbr>Includes coverage for Traditional Chinese Medicine and chiropractic treatment
Weekly cash benefit up to $400 for temporary disabilitybr>Family support fund up to $200,000br>Re-employment benefit of $5,000br>Home modification coverage up to $25,000
Daily hospital income up to $350 per daybr>Triple cover for ICU stay up to $1,050 per daybr>Emergency medical evacuation coverage up to $100,000br>Broken bones or fractures coverage up to $25,000
Optional benefits can be added to enhance your coverage for lifestyle maintenance and hospitalisation expenses.
| Basic Benefits | Plan 1 | Plan 2 | Plan 3 | Plan 4 |
|---|---|---|---|---|
| Accidental Death | $100,000 | $250,000 | $500,000 | $750,000 |
| Permanent Disability | $150,000 | $375,000 | $750,000 | $1,125,000 |
| Double Indemnity on Public Transport | $100,000 | $250,000 | $500,000 | $750,000 |
| Medical Expenses | $2,000 | $4,000 | $5,000 | $6,000 |
| TCM/Chiropractic Treatment | $500 | $750 | $1,000 | $1,250 |
Adding optional benefits will increase the premium. For example, including both lifestyle and hospitalisation benefits:
Monthly payment options are also available.
| Occupation Group | Plan 1 | Plan 2 | Plan 3 | Plan 4 |
|---|---|---|---|---|
| Group A (Low-risk occupations) | $155.86 | $274.33 | $473.90 | $644.11 |
| Group B (Higher-risk occupations) | $288.90 | $516.47 | $838.08 | $1,197.27 |
If you slip and fall at home:br>- Your medical bills would be covered (up to your plan limit)br>- If you need hospital stay, you'd get daily cash benefitsbr>- If you suffer temporary disability, you could receive weekly cash benefits
If you're injured in a bus accident: - You'd be eligible forb>double the accidental death benefit br>- Your medical expenses and hospital stay would be coveredbr>- If you need home modifications due to disability, the plan would help pay for them
If you break a bone while playing sports:br>- You'd receive a payout based on the severity of the fracturebr>- Your medical bills, including TCM treatments, would be coveredbr>- If you need mobility aids, the plan would help pay for them
Flexible plans to suit different needs and budgets
Double indemnity for public transport accidents
Optional benefits for lifestyle maintenance and hospitalisation
Covers a wide range of accidents and situations
Renewal bonus of up to 25% for claim-free years
Premiums are higher for higher-risk occupations
Some benefits have limits per accident or lifetime
Coverage reduces after age 65
Not all occupations may be eligible for coverage
Singapore residents aged 15 days to 65 years old.
Yes, up to 75 years old, but with reduced sum insured and possible new terms.
Self-inflicted injuries, pre-existing conditions, and certain high-risk activities.
You get a 5% bonus each claim-free year, up to 25% maximum.
Yes, you can usually adjust your coverage at renewal time.
PA Guard offers a flexible and comprehensive solution for personal accident protection. With its range of plans and optional benefits, it can be tailored to suit various lifestyles and needs. The double indemnity for public transport accidents and the renewal bonus are particularly attractive features.
However, it's important to consider your occupation, lifestyle, and existing coverage when choosing a plan. The higher premiums for riskier occupations and the coverage reduction after age 65 are factors to keep in mind.
Remember, the best insurance is the one that fits your specific needs and situation. Consider your current lifestyle, work, and existing coverage before making a decision.
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