Are you worried about unexpected accidents disrupting your life and finances? You're not alone. Accidents can happen to anyone, anytime, anywhere. That's where Singlife Accident Guard comes in. Let's explore how this versatile plan can help you live life to the fullest with peace of mind.
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Singlife Accident Guard is a comprehensive personal accident insurance plan that offers worldwide protection . It's designed to provide financial support in case of accidents, with various coverage options to suit different needs and budgets. Here's what makes it stand out:
Choose from Lite, Standard, Prime, or Prestige plans. Add optional covers like Accident Reimbursement, Accidental Fracture, and Weekly Income.
Up to 150% of sum assured for accidental death or dismemberment. 3 times payout for accidents on commercial planes or cruise ships. 2 times payout for accidents on public transport, as a pedestrian, or in fires.
Receive daily cash payouts if hospitalized due to an accident (up to 365 days).
Includes food poisoning and 21 infectious diseases. Covers terrorist attacks and natural disasters. Protects against loss of organs, miscarriage, or insanity due to accidents.
10% premium discount when you buy for your children (up to 4 children).
Singlife Accident Guard offers four main plans with different levels of coverage. Here's a simple breakdown:
Basic Benefits (Lite / Standard / Prime / Prestige):
Medical reimbursement: Up to S$8,000 per accident. Overseas medical reimbursement: Up to S$16,000 per accident. Traditional Chinese Medicine/Osteopathy/Chiropractic: Up to S$1,000 per accident. Mobility aid reimbursement: Up to S$3,000 per accident. Home modifications: Up to S$20,000 per lifetime. Family support benefit: Up to S$100,000 (doubles for certain conditions).
Lump sum payment: S$25,000 to S$100,000 for fractures or dislocations. Physiotherapy: S$1,000 per lifetime.
Due to accident: S$200 to S$500 per week (up to 104 weeks). Due to sickness: S$200 to S$500 per week (up to 52 weeks).
The cost of Singlife Accident Guard depends on the plan type and optional add-ons you choose. While specific premium amounts aren't provided in the brochure, here are some factors that affect the cost:
If you're injured in a car crash: You'd receive a lump sum payment based on the severity of your injuries. Your medical bills would be covered (if you have the Accident Reimbursement Cover). You'd get daily cash payouts while hospitalized. If you can't work, you'd receive weekly income support (with the Weekly Income Cover).
If you break a bone while playing sports: You'd receive a lump sum payment for the fracture (with Accidental Fracture Cover II). Your medical expenses, including physiotherapy, would be covered. You could claim for TCM or chiropractic treatments.
If you're hospitalized due to severe food poisoning: You'd receive daily hospital income. Your medical bills would be covered (with Accident Reimbursement Cover). You'd get support for follow-up treatments.
Flexible plans to suit different needs and budgets
Comprehensive coverage including infectious diseases and natural disasters
Enhanced payouts for specific accident scenarios
Long-term protection up to age 99
Optional add-ons for more tailored coverage
Family discount for children's plans
Premiums may increase with age
Some benefits have lifetime limits
Weekly Income due to Sickness has a 60-day deferment period
The entire portfolio or specific plan types may be withdrawn at Singlife's discretion
Yes, you can usually adjust your coverage at renewal time.
Exclusions typically include self-inflicted injuries, war, and professional sports. Check the Product Summary for full details.
Contact Singlife as soon as possible after the accident. They'll guide you through the process.
Premiums are not guaranteed and may be adjusted based on claims experience.
Yes, but accidents or illnesses related to pre-existing conditions might not be covered.
Singlife Accident Guard offers a flexible and comprehensive approach to personal accident insurance . With its customizable plans, enhanced payouts, and wide-ranging coverage, it provides a safety net that can adapt to your changing needs throughout life.
Whether you're a young professional, a parent, or approaching retirement, this plan offers protection against the unexpected, allowing you to live life to the fullest. However, it's important to carefully consider your needs, budget, and existing coverage before making a decision.
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Read the complete transcript of our expert discussion about Singlife Accident Guard. This detailed analysis covers key features, benefits, and important considerations for potential policyholders.
So, you've landed that first job here in Singapore and there's this incredible feeling, isn't there?
Oh, absolu
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