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Personal Accident
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PA Secure: Your Complete Guide to Adventure-Ready Protection
Are you ready to embrace new adventures but worried about unexpected accidents or illnesses? You're not alone. Many Singaporeans want to enjoy life to the fullest while ensuring their family's lifestyle is protected. That's where PA Secure comes in. Let's explore how this unique plan can give you peace of mind while you create unforgettable memories .
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What is PA Secure?
PA Secure is a personal accident insurance plan designed for adventure-seekers and families . It offers comprehensive coverage against accidents and infectious diseases, with some unique features that cater to modern lifestyles. Here's what makes it stand out:
Affordable Coverage
Plans start from just $92.82 per year.
Family-Friendly
Covers unlimited dependent children under a family plan.
Lifestyle Benefits
Optional coverage for child care expenses and event cancellations.
Infectious Disease Protection
Covers 7 common infectious diseases.
Occupation-Neutral Pricing
Same premium regardless of your job.
Key Features of PA Secure
Four Core Benefits
Accidental Death
Permanent Disability
Daily Hospital Income
Medical Expenses (for accidents and infectious diseases)
Infectious Disease Coverage
Protects against 7 diseases including Dengue fever and Hand, foot and mouth disease
Up to $2,000 for medical expenses per incident
Up to $5,000 for Daily Hospital Income coverage
Optional Lifestyle Benefits
Child and Student Care Expenses: Up to $500 reimbursement per incident
Event and Staycay Expenses: Up to $500 reimbursement per policy year
Family-Friendly Plans
Individual, Couple, and Family plans available
Family plan covers unlimited dependent children at no extra cost
Why compare PA Secure 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?
PA Secure offers two main plans with different levels of coverage. Here's a simple breakdown:
Basic Benefits (Plan 1 / Plan 2)
Accidental Death: $50,000 / $100,000
Permanent Disability: $50,000 / $100,000 (per policy year)
Medical Expenses: $1,000 / $2,000 (per incident)
Daily Hospital Income: $50 / $100 (per day, up to 50 days per policy year)
Optional Benefits
Child and Student Care Expenses: $500 (per incident)
Event and Staycay Expenses: $500 (per policy year)
How Much Does It Cost?
Optional Benefits:
- Child and Student Care Expenses: $18.33 per insured person per year
- Event and Staycay Expenses: $18.33 per insured person per year
Monthly payment options are available for couple and family plans.
| Plan Type | Plan 1 | Plan 2 |
|---|---|---|
| Individual | $92.82 | $146.22 |
| Couple | $176.37 | $277.84 |
| Family | $266.18 | $420.98 |
Real-Life Examples
Sports Injury
If you sprain your ankle while jogging: Your medical bills would be covered (up to your plan limit), if you need hospital stay, you'd get daily cash benefits, and if you had to cancel a planned staycation, you could claim reimbursement (with optional benefit).
Child's Infectious Disease
If your child gets Hand, foot and mouth disease: Medical expenses would be covered, if hospitalization is required, you'd receive daily hospital income, and you could claim reimbursement for childcare fees (with optional benefit).
Family Vacation Mishap
If a family member is hospitalized just before a planned trip: You could claim reimbursement for non-refundable expenses (with optional benefit), medical expenses and daily hospital income would be covered, and the coverage applies to all insured family members.
Pros and Cons
Pros
Affordable premiums starting from $92.82 per year
Covers both accidents and infectious diseases
Family-friendly with coverage for unlimited dependent children
Unique lifestyle benefits for child care and event cancellations
Same premium regardless of occupation
Monthly payment options for couple and family plans
Cons
Infectious diseases diagnosed within 14 days of policy start are not covered
Does not cover epidemics or pandemics as announced by authorities
Optional benefits have relatively low coverage limits
No coverage for pre-existing conditions
Frequently Asked Questions
Who can apply for PA Secure?
Singapore residents aged 15 days to 65 years old.
Can I continue coverage after 65?
Coverage may continue up to 75 years old with reduced benefits and possibly higher premiums.
Are all infectious diseases covered?
Only the 7 listed diseases are covered, and there's a 14-day waiting period.
What's the difference between couple and family plans?
Couple plans cover two married adults, while family plans include children.
How do I make a claim?
Contact Income Insurance as soon as possible after the incident. They'll guide you through the process.
Wrapping It Up
PA Secure offers a unique blend of accident and infectious disease coverage , with added lifestyle benefits that cater to modern families and adventure-seekers. Its affordable premiums, family-friendly options, and occupation-neutral pricing make it an attractive choice for many Singaporeans.
The plan's strength lies in its comprehensive coverage for both accidents and specific infectious diseases, along with optional benefits that address real-life concerns like childcare expenses and trip cancellations. However, it's important to note the coverage limits and exclusions, particularly for infectious diseases.
Remember, the best insurance plan is one that fits your specific needs and lifestyle. Consider your current health, family situation, and adventure plans before making a decision.
Ready to take the next step? Don't rely on just one opinion. Get expert insights tailored to your unique situation. Sign up now to receive 5 expert opinions on personal accident insurance that suits your adventurous lifestyle. These professionals will review your needs and provide personalised recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your active lifestyle and family needs. Don't leave your protection to chance – get the expert advice you deserve today.
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