Personal Accident Insurance

Personal Accident Insurance

Round-the-clock coverage against personal accidents, anywhere in the world.

What it covers

Accidental death

We pay up to $200,000 [1] for worldwide coverage against accidental death.

Permanent disability

We pay up to $200,000 [1] for worldwide coverage against permanent disability due to injury caused by an accident.

Medical expenses for injury due to an accident

We pay up to $3,000 [1] to cover medical expenses for an injury due to an accident, anywhere in the world.

Full coverage information

Features

We also cover you for:

  • Acts of terrorism
  • Riot, strike, civil commotion, hijack, murder, assault
  • Disappearance
  • Exposure to natural elements
  • Food poisoning
  • Suffocation by smoke, poisonous fumes, gas or drowning
  • Miscarriage due to an accident

Enhance your coverage

For just an additional nominal premium, you can:

  • Increase your basic sum insured, or;
  • Opt for benefits which are not available under basic plan.

Increase your basic sum insured

You can increase your basic sum insured for accidental death and permanent disability. Only available under Plan 3.

You can increase your basic sum insured for coverage of medical expenses for injury due to an accident [2].

Opt for benefits which are not available under basic plan

You can opt for a weekly cash benefit, and choose to increase the sum insured by increments of $100 a week [3].

You can opt for extra accidental death benefit for public transport and choose to increase the sum insured by increments of
$50,000 [4].

You can opt for extra daily hospital income benefit and choose to increase the sum insured by increments of $50 per day [5].

You can opt for emergency medical evacuation and sending you home benefits, and choose to increase the sum insured by increments of $50,000 [6].

Before you apply

You must:

  • Be holding a valid Singapore identification document (NRIC, student pass, work pass)
  • Be living or working in Singapore, or away from Singapore for no more than 180 days at any one time
  • Be between 15 days old and 65 years old

You can make your premium payments yearly.

You can choose from three different plan types. There are also options to increase the sum insured based on your needs.

You may refer to the premium rates based on your occupation class.

Types of occupations covered

Occupation class Yearly premium
Plan 1 Plan 2 Plan 3
Class 1 $35.31 $71.69 $138.03
Class 2 $46.01 $92.02 $173.34
Class 3 $66.34 $127.33 $245.03
Class 4 $107.00 NA NA
Referred class Contact us for a quote.

Additional yearly premiums for optional coverage

Premium rates are inclusive of 7% GST, non-guaranteed and may be reviewed from time to time.

Important Notes

Footnotes

 
  1. The benefit limit is applicable under Plan 3.
  2. You can choose to insure up to 10% of the sum insured under accidental death or $10,000, whichever is lower.
  3. For weekly cash benefit, you can choose to insure up to:
    - 0.7% of the sum insured for accidental death, or;
    - 20% of your monthly earnings, or;
    - $1,000 a week,
    whichever is lower.
  4. Your sum insured must be equal to the accidental death benefit.
  5. You can choose to insure up to 0.1% of the sum insured for accidental death or $300 a day, whichever is lower.
  6. You can choose to insure up to the sum insured under accidental death.

Important notes

 

This page is for general information only. You can find the usual terms and conditions of this plan in the policy conditions.

All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact NTUC Income or visit the websites of the General Insurance Association of Singapore (www.gia.org.sg), the Life Insurance Association, Singapore (www.lia.org.sg) or Singapore Deposit Insurance Corporation (www.sdic.org.sg).
 

Information is correct as of 09 April 2015

Frequently asked questions

How to apply

For enquiries about Personal Accident Insurance, please call our hotline:
6788 1111

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