Are you worried about unexpected accidents and their financial impact? You're not alone. Accidents can happen anytime, anywhere, and to anyone . That's where Sompo PAStar comes in. Let's explore how this versatile personal accident insurance plan can provide you with peace of mind and financial security.
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Sompo PAStar is a comprehensive personal accident insurance plan designed to protect you and your family against a wide range of accidents and unexpected events. It offers flexible coverage options and unique benefits that set it apart from other personal accident plans. Here's what makes it special:
Accidental death and permanent disablement
Medical expenses reimbursement
Daily hospitalization allowance
Weekly income benefit for temporary disability
Double hospital allowance for ICU stays (up to 50 days per accident)
Coverage for 17 infectious diseases, including dengue fever and HFMD
$100 marriage bonus and $100 per newborn child
Coverage for Chinese physician and chiropractor treatments
Full terrorism cover (up to $1,000,000)
Coverage for food poisoning and accidental miscarriage
No claim bonus (up to 25% increase in sum insured)
Staycation and ticket cancellation coverage
ID Booster for additional hospitalization allowance due to infectious diseases
Education fund for children in case of parent's accidental death
Parent's cover for accidental death or permanent disability
| Age | What suggestion covers | Premium |
|---|---|---|
| 22, Female making $2,300 a month | tcm or chiropractic treatment $500 ambulance fee and mobility aids $1,200 accidental medical reimbursement $2,000 accidental death and dismemberment $100,000 | $173 |
| 26, Female making $3,800 a month | family support fund $30,000 mobility aid benefit $1,000 get well transport benefit $50 daily accidental icu income $50 travel and medical assistance daily accidental hospital income $50 emergency medical evacuation and repatriation Unlimited | Not provided |
The plan also covers various other benefits like family allowance, re-employment benefit, and emergency medical evacuation.
| Benefit | Deluxe | Elite | Elite Plus | Elite Max |
|---|---|---|---|---|
| Accidental Death and Permanent Disablement | $100,000 | $200,000 | $500,000 | $1,000,000 |
| Medical Expenses (per Accident) | $3,000 | $4,000 | $7,000 | $7,500 |
| Daily Hospitalization Allowance (per day, up to 365 days) | $100 | $150 | $300 | $400 |
| Weekly Income Benefit (for temporary disability, up to 104 weeks) | $100 | $200 | $400 | $500 |
The annual premium depends on your occupation class and the plan you choose. Here's a general guide:
Class 1 (Indoor, non-manual work):
Class 2 (Outdoor, occasional manual work):
Class 3 (Manual work with tools/machinery):
These prices are inclusive of GST. Optional covers have additional premiums.
If you slip and fall at home, breaking your arm:
If you're diagnosed with dengue fever:
If you're in a serious accident:
Comprehensive coverage for various accidents and situations
Unique benefits like marriage and baby bonuses
Coverage for alternative treatments (TCM, chiropractic)
Free extensions for food poisoning, terrorism, etc.
Flexible plans to suit different needs and budgets
Family-friendly with free coverage for children
Higher occupation classes have limited plan options
Some benefits are only available in higher-tier plans
Premiums may increase with age or claims history
Pre-existing conditions are not covered
Yes, you can cover your spouse and children. Children get free coverage if both parents are insured.
The policy documents don't specify an age limit, but there may be restrictions. Check with Sompo for details.
Some adventure activities may be covered, but professional or extreme sports are likely excluded. Check the policy for details.
Contact Sompo as soon as possible after the accident. They'll guide you through the process.
Your accidental death/permanent disablement sum insured increases by 5% each year (up to 25%) if you don't make a claim.
Sompo PAStar offers a comprehensive personal accident insurance solution with unique benefits tailored to various life stages and needs. From its wide-ranging accident coverage to special bonuses for life events, it provides a safety net that goes beyond typical personal accident plans.
The flexibility in plan selection, coupled with family-friendly features like free child coverage, makes it an attractive option for individuals and families alike. However, it's important to consider your occupation class, as this affects your plan options and premiums.
Remember, the best insurance is the one that fits your specific lifestyle and needs. Consider your current health, job risks, family situation, and existing coverage before making a decision.
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