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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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:
You're protected 24/7, no matter where you are in the world.
Covers not just injuries, but also food poisoning, infectious diseases, and even animal and insect bites.
Your coverage can increase by up to 25% in the first five years if you don't make any claims.
Available as a standalone plan or as a supplementary benefit (Accident Assist) to your existing Prudential policies.
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
Accidental death and dismemberment
Medical expenses reimbursement
Traditional Chinese Medicine (TCM) treatment
Injuries during National Service, reservist duties, and adventurous activities like scuba diving
Recovery Aid: Provides additional benefits like daily hospital income and family support fund
Fracture Care PA: Offers extra coverage for fractures, burns, and dislocations
| 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 |
PRUPersonal Accident offers six plans (A to F) with increasing levels of coverage. Here's a simplified breakdown:
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
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
Fractures, Burns and Dislocations: S$25,000 / S$100,000
House Fitting Expenses: Up to S$2,500 / Up to S$10,000
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 |
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.
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.
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).
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
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
Yes, you can add it as a supplementary benefit called Accident Assist.
You can still get coverage, but you'll be in a higher occupation class with higher premiums.
The plan is renewable yearly up to age 75.
Self-inflicted injuries, war, professional sports, and pre-existing conditions are typically not covered.
Yes, you can usually adjust your coverage at renewal time.
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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Read the complete transcript of our expert discussion about PruPersonal Accident. This detailed analysis covers key features, benefits, and important considerations for potential policyholders.
All right, welcome to the deep dive. So, picture this: you've just landed that fantastic first job here in Singap
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