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Personal Accident

Introduction

In today's fast-paced world, accidents can happen unexpectedly, leaving us vulnerable to financial and physical setbacks. That's where PA Guard comes in – a comprehensive personal accident insurance plan designed to protect you and your loved ones from the unforeseen. Offering flexible coverage options to suit your lifestyle, PA Guard provides peace of mind by safeguarding you against accidental injuries, disabilities, and even death. With its range of benefits and customizable features, PA Guard ensures that you can pursue life's adventures with confidence, knowing that you're protected when it matters most.

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Coverage and Benefits

PA Guard offers a wide range of coverage options to ensure comprehensive protection against accidents. From accidental death benefits to medical expense reimbursements, this plan is designed to provide financial support when you need it most. Let's explore the key benefits that make PA Guard an excellent choice for personal accident insurance.

Accidental Death Protection

Provides financial security for your loved ones. Benefit ranges from $100,000 to $750,000, depending on the chosen plan. Double indemnity of up to $750,000 for accidental death on public transport.

Permanent Disability Coverage

Offers support for long-term disabilities. Benefit ranges from $150,000 to $1,125,000 per accident, based on the selected plan. Includes optional re-employment benefit of $5,000 for permanent disabilities.

Temporary Disability Support

Provides weekly cash benefits during recovery. Optional benefit of up to $400 per week for temporary total disability, for up to 52 weeks. Includes 25% of the cash benefit for temporary partial disability.

Medical Expense Coverage

Reimburses accident-related medical costs. Covers up to $6,000 per accident for medical expenses. Includes treatment by Chinese medicine practitioners or chiropractors up to $1,250 per accident.

Additional Protection

Comprehensive coverage for various needs. Includes ambulance fees ($200 per accident), mobility aids (up to $3,000), and home modifications (up to $25,000 per lifetime). Optional family support fund of up to $200,000 available.

Coverage Customization

PA Guard understands that everyone's insurance needs are unique. That's why the plan offers various customization options to tailor your coverage according to your specific requirements and budget. Let's explore the flexibility PA Guard provides in terms of sum assured options and optional benefits.

Flexible Plan Options

Choose from four plan levels. Sum assured for accidental death ranges from $100,000 (Plan 1) to $750,000 (Plan 4). Permanent disability coverage ranges from $150,000 to $1,125,000 per accident.

Optional Benefits

Customize your coverage with add-ons. Choose from lifestyle maintenance benefits or hospitalisation benefits. Premiums vary based on occupation group (A or B) and selected options.

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Riders and Additional Benefits

PA Guard offers a range of optional riders and additional benefits to enhance your coverage and provide comprehensive protection tailored to your needs. These add-ons allow you to customize your policy and ensure you have the right level of protection for your lifestyle and circumstances.

Lifestyle Maintenance Benefits

Support for maintaining your standard of living. Includes weekly cash benefits, family support fund, re-employment benefit, and home modification coverage. Helps you adapt to life changes after an accident.

Hospitalisation Benefits

Enhanced coverage for hospital stays. Includes daily hospital income up to $350 per day for 365 days. Triple cover for ICU stays, up to $1,050 per day for 30 days per accident.

Emergency Medical Services

Coverage for urgent medical needs. Includes emergency medical evacuation and repatriation up to $100,000 per policy year. Ambulance fee coverage of $200 per accident.

Broken Bones Protection

Specific coverage for fractures. Benefit of up to $25,000 per lifetime for broken bones or fractures. Covers various types of fractures as specified in the policy contract.

Claims and Customer Service

Filing a claim with PA Guard is designed to be straightforward and hassle-free. In the event of an accident, policyholders can initiate the claims process by contacting Income's customer service hotline at 6788 1111. The dedicated team is available to guide you through the necessary steps and documentation required for your claim. For additional support or inquiries, you can visit Income's website at income.com.sg/enquiry or use their instant chat feature at income.com.sg/advisor-connect. Income's commitment to excellent customer service ensures that you receive prompt assistance when you need it most, allowing you to focus on your recovery.

Conclusion

PA Guard is an excellent choice for individuals seeking comprehensive personal accident coverage with flexible options. It's particularly well-suited for working professionals who want protection against accidental injuries and disabilities, families looking for financial security in case of unforeseen events, and active individuals who engage in sports or outdoor activities. The plan's customizable nature allows it to cater to a wide range of needs and lifestyles, ensuring that you can find the right level of protection for your unique circumstances.

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