Personal Accident

TM Protect PA: Your Comprehensive Guide to Personal Accident Coverage

Are you worried about unexpected accidents and their financial impact? You're not alone. Accidents can happen to anyone, anytime, anywhere. That's where TM Protect PA comes in. Let's explore how this versatile plan can help you and your family stay protected against life's uncertainties.

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What is TM Protect PA?

TM Protect PA is a yearly renewable personal accident insurance plan offered by Tokio Marine Life Insurance Singapore. It's designed to provide financial assistance in case of accidental death, dismemberment, disability, and injury . Here's what makes it stand out:

Wide Age Coverage

Suitable for ages 1 to 70

Enhanced Protection

Covers common illnesses like Hand Foot and Mouth Disease (HFMD), dengue fever, and food poisoning

Global Coverage

24/7 protection worldwide

Weekly Income Benefit

Provides financial support during recovery

Key Features of TM Protect PA

One Plan Fits All

Covers ages 1 to 70, perfect for both adults and children. Allows children to experience childhood fully while staying protected.

Enhanced Coverage

Covers both inpatient and outpatient treatments. Includes protection against HFMD, dengue fever, and food poisoning.

Round-the-Clock Global Coverage

Protection at home, work, or while traveling overseas. Double payout for accidental death while traveling in private cars or public transport.

Flexible Medical Reimbursement

Up to S$10,000 reimbursement per accident (Plan D). Covers both Western medicine and Traditional Chinese Medicine.

Accidental Weekly Income Benefit

Provides up to S$350 per week during recovery (Plan D). Payable for up to 52 weeks.

Easy Application

No medical questions required. Start your coverage almost immediately.

Why compare TM Protect PA with other Personal Accident options through Whatins?

Traditional Approach

  • Limited to one company's definitions
  • May not know about better coverage elsewhere
  • Single view on occupation classifications

Whatins Advantage

  • Compare accident definitions across insurers
  • See how different plans cover various activities
  • Get multiple views on occupation coverage
  • Understand different approaches to sports coverage

What Does It Cover?

The plan also includes a detailed Table of Indemnity, which specifies payouts for various types of injuries or losses, such as loss of limbs, sight, hearing, or burns.

Basic BenefitsPlan APlan BPlan CPlan D
Sum AssuredS$100,000S$250,000S$500,000S$1,000,000
Accidental Death BenefitSame as Sum AssuredSame as Sum AssuredSame as Sum AssuredSame as Sum Assured
Double Indemnity Benefit2x Sum Assured2x Sum Assured2x Sum Assured2x Sum Assured
Accidental Dismemberment and Burns BenefitUp to 1.5x Sum AssuredUp to 1.5x Sum AssuredUp to 1.5x Sum AssuredUp to 1.5x Sum Assured
Medical Reimbursement (per accident)S$2,500S$4,000S$7,500S$10,000
Sub-limit for Outpatient TreatmentS$250S$400S$750S$1,000
Sub-limit for Dental TreatmentS$250S$400S$750S$1,000
Accidental Weekly Income BenefitS$140S$210S$280S$350

How Much Does It Cost?

The cost of TM Protect PA varies depending on the plan you choose and your age. While specific premium rates aren't provided in the brochure, it's important to note that:

  1. Premiums are likely to increase as you get older
  1. The plan is yearly renewable, which means the premium may change each year
  1. Renewal is not guaranteed, and Tokio Marine reserves the right to cancel the policy with 30 days' notice

Real-Life Examples

Accidental Injury

If you slip and fall, breaking your leg: Your medical bills would be covered up to your plan's limit. You'd receive weekly income benefit during your recovery period. If the accident results in permanent disability, you'd receive a lump sum payout based on the Table of Indemnity.

Travel Accident

If you're involved in a car accident while on vacation: You'd be covered for medical expenses incurred overseas. If the accident is fatal, your beneficiaries would receive double the sum assured.

Child's Illness

If your child contracts Hand Foot and Mouth Disease: Medical expenses for both inpatient and outpatient treatment would be covered. This includes Traditional Chinese Medicine treatments, subject to sub-limits.

Pros and Cons

Pros

  • Wide age coverage (1 to 70 years old)

  • Includes coverage for common illnesses like HFMD and dengue fever

  • Global coverage, 24/7

  • Flexible medical reimbursement including TCM

  • Weekly income benefit during recovery

  • No medical questions required for application

Cons

  • Yearly renewable, which means premiums may increase each year

  • Renewal is not guaranteed

  • Accidental Weekly Income benefit stops at age 65

  • Some benefits not applicable for children (e.g., Accidental Dismemberment and Burns Benefit)

Frequently Asked Questions

Can I renew the policy after age 70?

Yes, the policy is renewable up to age 75, subject to Tokio Marine's approval.

Is the weekly income benefit available for children?

No, it's not applicable for children aged 1 to 18.

What's not covered by this plan?

While specific exclusions aren't listed in the brochure, typical exclusions for personal accident plans include self-inflicted injuries, professional sports, and war.

Can I change my plan later?

You may be able to change your plan at renewal time, subject to approval.

How do I make a claim?

Contact Tokio Marine as soon as possible after the accident. They'll guide you through the claim process.

Wrapping It Up

TM Protect PA offers a comprehensive personal accident coverage suitable for individuals and families. With its wide age range, enhanced coverage for common illnesses, and global protection, it provides a safety net against many of life's unexpected events.

The plan's flexibility in medical reimbursement, including coverage for Traditional Chinese Medicine, and the weekly income benefit during recovery periods are particularly attractive features. However, it's important to consider the yearly renewable nature of the policy and the potential for premium increases.

Remember, the best insurance plan is one that fits your specific needs and circumstances. Consider your current health, lifestyle, family situation, and existing coverage before making a decision.

Ready to take the next step? Don't rely on just one opinion. Get expert insights tailored to your unique situation. Sign up now to receive 5 expert opinions on personal accident insurance. These professionals will review your needs and provide personalised recommendations, helping you make the most informed decision possible.

By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for you and your family. Don't leave your protection to chance – get the expert advice you deserve today.

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