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 Personal Accident Insurance comes in. Let's explore how this versatile plan can provide you with peace of mind and financial security.
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Sompo Personal Accident Insurance is a comprehensive plan designed to protect you financially against a wide range of accidents and unexpected events . It offers worldwide, 24-hour protection, ensuring you're covered no matter where you are or what you're doing.
Covers you against sudden, unforeseen events anywhere in the world
One of the few plans that offer complete protection against terrorism
Available for ages 16 to 70, with renewal up to age 75 if taken before age 60
You can get covered based on your health declarations, no medical check-up needed
Try the policy for 14 days and get a full refund if it's not suitable for you
Includes unique benefits like dental treatment due to accidents, food poisoning, and insect/animal bites
Special Features:
Accidental Death and Dismemberment
Medical Expenses Reimbursement
Repatriation Expenses (up to S$2,000)
Dental Treatment due to accidents
Food Poisoning
Insect / Animal Bites
Accidental Miscarriage
Traditional Chinese Medicine treatments (up to S$1,000 per accident)
Suffocation by smoke, poisonous fumes, and drowning
Murder & Assault
Hijacking, Riot, and Civil Commotion
Peacetime Reservist training
Loss of limbs without actual physical severance
Leisure and Underwater Activities
Motorcycling
This plan is available for:
Note: Some occupations may only be covered during off-duty hours, and certain high-risk jobs are not eligible for coverage.
Indoor, non-manual work in non-hazardous places. Examples: Barber, Beautician, Nurse, Software Engineer, Home-maker
Outdoor or supervisory work with occasional manual tasks. Examples: Chauffeur, Decorator, Insurance Agent, Fitness Instructor
Manual work involving tools or machinery (not particularly hazardous). Examples: Baker, Carpenter, Driver, Plumber, Veterinary Surgeon
If you slip and fall while on vacation abroad: Your medical expenses would be covered, and if you need to be brought back to Singapore, repatriation costs are covered up to S$2,000.
If you get food poisoning from a restaurant: Your medical treatment would be covered, and you could even claim for Traditional Chinese Medicine treatments.
If you injure yourself during a leisure sports activity: Your medical expenses would be covered, and if you suffer a permanent disability, you'd receive a lump sum payment.
Worldwide coverage, 24/7
Full terrorism cover
No medical examination required
Covers a wide range of accidents and situations
Includes coverage for alternative treatments like TCM
14-day free look period
Age limit of 70 for new applications (75 for renewals)
Some high-risk occupations are not eligible
Doesn't cover professional sports or hazardous activities
No, you'll be accepted based on your health declarations on the application form.
Major exclusions include war, self-destruction, non-prescribed drug use, intoxication, AIDS, professional sports, and full-time military duty.
Yes, you can get a full refund within the 14-day free look period. After that, you'll receive a pro-rated refund if no claims have been made.
Not necessarily. Sompo's plan has some unique features, like a broader definition of 'accident' that doesn't require it to be violent, visible, or external.
For temporary overseas residence, you'll need to contact Sompo for a separate quotation.
Sompo Personal Accident Insurance offers comprehensive protection against a wide range of accidents and unexpected events . With its worldwide coverage, full terrorism protection, and unique benefits like TCM treatment coverage, it provides a robust safety net for many life situations.
However, it's important to consider the age limitations and occupation restrictions when deciding if this plan is right for you. Always compare different options and consider your specific needs and circumstances before making a decision.
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