TM PA (Personal Accident)
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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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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:
Suitable for ages 1 to 70
Covers common illnesses like Hand Foot and Mouth Disease (HFMD), dengue fever, and food poisoning
24/7 protection worldwide
Provides financial support during recovery
Covers ages 1 to 70, perfect for both adults and children. Allows children to experience childhood fully while staying protected.
Covers both inpatient and outpatient treatments. Includes protection against HFMD, dengue fever, and food poisoning.
Protection at home, work, or while traveling overseas. Double payout for accidental death while traveling in private cars or public transport.
Up to S$10,000 reimbursement per accident (Plan D). Covers both Western medicine and Traditional Chinese Medicine.
Provides up to S$350 per week during recovery (Plan D). Payable for up to 52 weeks.
No medical questions required. Start your coverage almost immediately.
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 Benefits | Plan A | Plan B | Plan C | Plan D |
---|---|---|---|---|
Sum Assured | S$100,000 | S$250,000 | S$500,000 | S$1,000,000 |
Accidental Death Benefit | Same as Sum Assured | Same as Sum Assured | Same as Sum Assured | Same as Sum Assured |
Double Indemnity Benefit | 2x Sum Assured | 2x Sum Assured | 2x Sum Assured | 2x Sum Assured |
Accidental Dismemberment and Burns Benefit | Up to 1.5x Sum Assured | Up to 1.5x Sum Assured | Up to 1.5x Sum Assured | Up to 1.5x Sum Assured |
Medical Reimbursement (per accident) | S$2,500 | S$4,000 | S$7,500 | S$10,000 |
Sub-limit for Outpatient Treatment | S$250 | S$400 | S$750 | S$1,000 |
Sub-limit for Dental Treatment | S$250 | S$400 | S$750 | S$1,000 |
Accidental Weekly Income Benefit | S$140 | S$210 | S$280 | S$350 |
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:
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.
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.
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.
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
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)
Yes, the policy is renewable up to age 75, subject to Tokio Marine's approval.
No, it's not applicable for children aged 1 to 18.
While specific exclusions aren't listed in the brochure, typical exclusions for personal accident plans include self-inflicted injuries, professional sports, and war.
You may be able to change your plan at renewal time, subject to approval.
Contact Tokio Marine as soon as possible after the accident. They'll guide you through the claim process.
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.
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