Personal Accident

PRUPersonal Accident Insurance: Your Comprehensive Guide to Worry-Free Living

Are you concerned about the financial impact of unexpected accidents on your family? You're not alone. Accidents can happen anytime, anywhere, and to anyone. That's where PRUPersonal Accident insurance comes in. Let's explore how this versatile plan can provide you and your loved ones with peace of mind.

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What is PRUPersonal Accident Insurance?

PRUPersonal Accident is a comprehensive insurance plan designed to provide financial support in case of accidents. It complements your existing health or hospitalization insurance, offering an extra layer of protection for you and your family. Here's what makes it special:

Worldwide Coverage

You're protected 24/7, no matter where you are in the world.

Broad Definition of Accidents

Covers not just injuries, but also food poisoning, infectious diseases, and even animal and insect bites.

Bonus Coverage

Your coverage can increase by up to 25% in the first five years if you don't make any claims.

Flexible

Available as a standalone plan or as a supplementary benefit (Accident Assist) to your existing Prudential policies.

Key Features of PRUPersonal Accident

Multiple Payout Scenarios

  • Regular payout for most accidents

  • Double payout for private transport accidents, pedestrian accidents, building fires, and school-time accidents

  • Triple payout for public transport accidents

Comprehensive Coverage

  • Accidental death and dismemberment

  • Medical expenses reimbursement

  • Traditional Chinese Medicine (TCM) treatment

  • Injuries during National Service, reservist duties, and adventurous activities like scuba diving

Optional Add-ons

  • Recovery Aid: Provides additional benefits like daily hospital income and family support fund

  • Fracture Care PA: Offers extra coverage for fractures, burns, and dislocations

Real premiums suggested for PruPersonal Accident

40, Male making $23,333.333 a month

Coverage:
planA
$100,000
planB
$200,000
planC
$300,000
planD
$500,000
planE
$750,000
planF
$1,000,000
Premium:
Not provided
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20, Female making $4,000 a month

Coverage:
$100,000
Premium:
$176.64
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25, Female making $3,500 a month

Coverage:
accidental death
$100,000
tcm reimbursement
$500
medical reimbursement
$2,000
Premium:
$[object Object]
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24, Female making $8,000 a month

Coverage:
plan a:
tcm
$500
accidental death
$100,000
medical reimbursement
$2,000
plan b:
tcm
$500
accidental death
$200,000
medical reimbursement
$2,500
plan c:
tcm
$1,000
accidental death
$300,000
medical reimbursement
$3,000
plan d:
tcm
$1,000
accidental death
$500,000
medical reimbursement
$4,000
plan e:
tcm
$1,250
accidental death
$750,000
medical reimbursement
$5,000
plan f:
tcm
$1,500
accidental death
$1,000,000
medical reimbursement
$6,000
Premium:
$[object Object]
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27, Male making $3,200 a month

Coverage:
accidental death
$100,000
medical reimbursement
$2,000
traditional chinese medicine
$500
Premium:
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What Does It Cover?

PRUPersonal Accident offers six plans (A to F) with increasing levels of coverage. Here's a simplified breakdown:

Basic Benefits (Plan A / Plan F)

  • Accidental Death and Dismemberment: S$100,000 / S$1,000,000

  • Triple Accidental Death and Dismemberment: S$300,000 / S$3,000,000

  • Medical Reimbursement: Up to S$2,000 / Up to S$6,000 per accident

  • TCM Benefit: Up to S$500 / Up to S$1,500 per accident

Optional Recovery Aid Benefits (Plan A / Plan F)

  • Daily Hospital Income: S$50 / S$450 per day (max 365 days)

  • Mobility Aid Benefit: Up to S$1,000 / Up to S$2,500 per accident

  • Family Support Fund: S$30,000 / S$200,000

Optional Fracture Care PA (Plan 1 / Plan 4)

  • Fractures, Burns and Dislocations: S$25,000 / S$100,000

  • House Fitting Expenses: Up to S$2,500 / Up to S$10,000

How Much Does It Cost?

Remember, these are the base premiums. Adding optional benefits will increase the cost.

Occupation ClassPlan APlan F
Class 1 & 2176.64898.32
Class 3309.121,572.06
Class 4441.592,245.80

Real-Life Examples

Car Accident

If you're injured in a car accident as a passenger: You'd receive a double payout for accidental death or dismemberment , your medical bills would be covered up to your plan limit, and you could claim for TCM treatments if needed.

Sports Injury

If you break a bone while playing sports: Your medical expenses would be covered, if you add Fracture Care PA, you'd receive an additional payout for the fracture, and you could claim for mobility aids if needed.

Food Poisoning Overseas

If you get food poisoning while on vacation: Your medical treatment would be covered, you'd be protected by the worldwide coverage, and if hospitalization is required, you'd receive daily hospital income (with Recovery Aid).

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Pros and Cons

Pros

  • Worldwide coverage, 24/7

  • Covers a wide range of accidents and situations

  • Bonus coverage increase if no claims are made

  • Flexible plans to suit different needs and budgets

  • Can complement existing health insurance

Cons

  • Premiums are not guaranteed and may increase

  • Some high-risk activities may have reduced payouts

  • No savings or investment component

  • Renewal is not guaranteed after age 75

Frequently Asked Questions

Can I add this to my existing Prudential plan?

Yes, you can add it as a supplementary benefit called Accident Assist.

What if I have a high-risk job?

You can still get coverage, but you'll be in a higher occupation class with higher premiums.

Is there an age limit?

The plan is renewable yearly up to age 75.

What's not covered?

Self-inflicted injuries, war, professional sports, and pre-existing conditions are typically not covered.

Can I change my plan later?

Yes, you can usually adjust your coverage at renewal time.

Wrapping It Up

PRUPersonal Accident offers a comprehensive solution for those seeking protection against the financial impact of accidents. With its flexible plans, worldwide coverage, and optional add-ons, it can be tailored to suit various needs and budgets.

Whether you're a young professional, a parent, or approaching retirement, this plan can provide an extra layer of security for you and your loved ones. It's particularly valuable for those with active lifestyles or those who travel frequently.

However, it's important to consider the non-guaranteed premiums and the lack of a savings component. This plan should be viewed as a complement to, not a replacement for, comprehensive health and life insurance.

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

Get Expert Advice

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By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your needs. Don't leave your protection to chance – get the expert advice you deserve today.

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Why people were suggested PruPersonal Accident

sam
sam, 20
GenderFemale
Monthly Income$4,000
Insurance Types Suggested
  • Hospital
  • Personal Accident
  • Critical Illness
  • Disability
  • Term Life
  • Whole Life
  • Investment Linked Plan
  • Endowment
Why PruPersonal Accident Plan A was suggested:
The PruPersonal Accident Plan A provides comprehensive 24/7 worldwide coverage against accidental death, accidents, and up to 21 infectious diseases. This plan offers essential protection for unforeseen accidents and illnesses, which is valuable given the lack of information about existing policies or medical conditions.
Mahi
Mahi , 25
GenderFemale
Monthly Income$3,500
Insurance Types Suggested
  • Hospital
  • Personal Accident
  • Critical Illness
  • Investment Linked Plan
Why PruPersonal Accident (A) was suggested:
The PruPersonal Accident (A) plan is recommended as it provides coverage for minor injuries and accidents that may not require hospitalization, such as cuts, bruises, sprains, and muscle aches. This plan offers worldwide coverage and additional benefits like triple payout for accidents on public transport and coverage for infectious diseases and food poisoning.