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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
Read More20, Female making $4,000 a month
Coverage:
$100,000
Premium:
$176.64
Read More25, Female making $3,500 a month
Coverage:
accidental death
$100,000
tcm reimbursement
$500
medical reimbursement
$2,000
Premium:
$[object Object]
Read More24, 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]
Read More27, Male making $3,200 a month
Coverage:
accidental death
$100,000
medical reimbursement
$2,000
traditional chinese medicine
$500
Premium:
$209
Read More| Age | What suggestion covers | Premium |
|---|---|---|
| 40, Male making $23,333.333 a month | planA $100,000 planB $200,000 planC $300,000 planD $500,000 planE $750,000 planF $1,000,000 | Not provided |
| 20, Female making $4,000 a month | $100,000 | $176.64 |
| 25, Female making $3,500 a month | accidental death $100,000 tcm reimbursement $500 medical reimbursement $2,000 | $[object Object] |
| 24, Female making $8,000 a month | 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 | $[object Object] |
| 27, Male making $3,200 a month | accidental death $100,000 medical reimbursement $2,000 traditional chinese medicine $500 | $209 |
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 Class | Plan A | Plan F |
|---|---|---|
| Class 1 & 2 | 176.64 | 898.32 |
| Class 3 | 309.12 | 1,572.06 |
| Class 4 | 441.59 | 2,245.80 |
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).
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.
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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.
- 👉 PRUPersonal Accident Insurance: Your Comprehensive Guide to Worry-Free Living
- 👉 What is PRUPersonal Accident Insurance?
- 👉 Key Features of PRUPersonal Accident
- 👉 What Does It Cover?
- 👉 How Much Does It Cost?
- 👉 Real-Life Examples
- 👉 Pros and Cons
- 👉 Frequently Asked Questions
- 👉 Wrapping It Up
- 👉 Get Expert Advice
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Why people were suggested PruPersonal Accident
Michael, 40
GenderMale
Monthly Income$23,333.333
Insurance Types Suggested
- Hospital
- Critical Illness
- Disability
- Term Life
Why PruPersonal Accident was suggested:
A Personal Accident plan is recommended to provide comprehensive coverage against accidental death, injuries, and infectious diseases worldwide. Since no existing policies or medical conditions were mentioned, this plan offers essential protection for unforeseen accidents and illnesses.
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 , 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.