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Grab these deals
Enjoy 10% off your PA Secure plans!
Find Out MoreGet coverage for accidents and infectious diseases[1] with PA Secure[2].
Get coverage for accidental death, permanent disability, medical expenses and receive Daily Hospital Income in the event of an accident or due to an infectious disease[1].
Get up to $2,000[4] medical expenses coverage due to infectious diseases[1].
Get childcare fees reimbursed if your insured child is hospitalised or on certified medical leave due to an injury or infectious disease.
Additional benefits you will get with PA Secure.
Safeguard your planned trips with event and staycay expenses[6] optional benefit at $18.33/year. Get reimbursement due to hospitalisation.
Enjoy more savings when you insure your loved ones. A family plan[7] provides coverage for you, your spouse, and an unlimited number of dependant children[8] at no additional premium.
Enjoy the flexibility to choose between an individual, couple[9] or family plan. You can also choose to insure your child only with an individual plan.
For a more detailed look at what you are covered for, you may view the full policy conditions link here.
Your coverage at a glance.
| Benefits | Maximum benefit (S$) per insured person | ||
|---|---|---|---|
| Plan 1 | Plan 2 | ||
| Section 1 | Accidental death | $50,000 | $100,000 |
| Section 2 | Permanent disability (per policy year) | $50,000 | $100,000 |
| Section 3 | Medical expenses for injury due to an accident or infectious disease (per incident) | $1,000 | $2,000 |
| Section 4 | Daily hospital income (per day; up to 50 days per policy year) | $50 | $100 |
| Optional Benefits | |||
| Section 5 | Child and student care expenses (per incident) | $500 | |
| Section 6 | Event and staycay expenses (per policy year) | $500 | |
How much you need to pay.
Premium rates are inclusive of 9% GST, non-guaranteed and may be reviewed from time to time.
| Yearly Premium | ||
|---|---|---|
| Main Plan | Plan 1 | Plan 2 |
| Individual | $92.82 | $146.22 |
| Couple | $176.37 | $277.84 |
| Family | $266.18 | $420.98 |
| Optional benefits: top-up amount for premiums | ||
| Child and student care expenses | $18.33 per insured person | |
| Event and staycay expenses | $18.33 per insured person | |
Premium rates are inclusive of 9% GST, non-guaranteed and may be reviewed from time to time.
| Monthly Premium | ||
|---|---|---|
| Main Plan | Plan 1 | Plan 2 |
| Individual | NA | NA |
| Couple | $15.37 | $24.20 |
| Family | $23.18 | $36.67 |
| Optional benefits: top-up amount for premiums | ||
| Child and student care expenses | $1.59 per insured person | |
| Event and staycay expenses | $1.59 per insured person | |
Your policy toolkit
Eligibility
You can sign up for PA Secure if you hold a valid Singapore identification document and are between 15 days and 65 years old.
We may continue cover for you up to 75 years old at a reduced sum assured, and we may apply new terms; depending on our decision and if you pay an extra premium.
Your queries answered.
The age limit is 65 years old based on last birthday. For children age 15 days old to 15 years old, parents/guardian must be the proposer.
You can be insured as a child under this policy if you are:
• under 18 years of age; or
• under 25 years of age, unmarried and not on full-time employment; and are primarily dependent on the policyholder for maintenance and support. For example, full-time students or national servicemen.
Yes, you can purchase this policy as long as you are a Singapore PR or hold a valid Employment Pass, Work Permit, Long Term Visit Pass or Student Pass.
You can cover yourself and/or your spouse, as well as unlimited number of your dependent children who are:
- under 18 years of age; or
- under 25 years of age, unmarried and not on full-time employment; and are primarily dependent on the policyholder for maintenance and support. For example, full-time students or national servicemen.
Yes, you can cancel this plan by notifying us via email at [email protected] or call us at 6788 1777. The cancellation will take effect from the date we receive your request.
a. If you cancel this plan within the 14 day free-look period, you may get a full refund of the premium paid if there has been no claim made under this policy.
b. If you cancel this plan after the free-look period and:
- Before start date of the policy; premium less $10.90 (after GST).
- After the start date of the policy, we will work out the premium as follows:
| Period of insurance (in days) still left to run divided by the original period of insurance of the policy | x | 85% of total premium paid |
We will not refund any premium below $38.15 (after GST) if you cancel the policy.
There will be no refund payable to you if you have made any claim since the start date of the plan till the date of your cancellation request.
Yes, you will be covered during your reservist training without any additional premium. You will be covered for any accident during your reservist training if it is undertaken as peacetime military training.
Yes, you will be covered while you are overseas for a period of 180 days from the day of departure from Singapore only. You will not be covered from the 181th day onwards till your return to Singapore.
Yes, you are covered for bodily injury, and even death, resulting from food poisoning.
Yes, you are covered against bodily injury and death while riding a motorcycle as a rider or a pillion rider at no additional premium. This is provided that you are not engaging in or practicing for racing and hill climbing contests, reliability trials and speed or duration testing.
No, your infectious diseases cover under this policy will temporarily exclude Country A from the date of announcement by WHO till this classification is lifted. However, the remaining cover in your policy will continue.
No, you will only be covered for the infectious diseases mentioned in your policy contract.
Yes, you are covered since WHO or Singapore health authorities have yet to declare it as a pandemic situation. This is provided that the infectious disease is one of those covered in your policy contract.
This policy will cover you for the costs of diagnostic procedures and tests recommended or asked for by a medical practitioner for you to be treated provided that you are confirmed to be suffering from an infectious disease and if we are also paying you for the medical expenses for the infectious disease cover under section 3.
Any insured child that is currently enrolled in a Singapore registered childcare centre or student care centre can be covered under this optional benefit.
Yes, if your child is hospitalised for 4 days or more due to an injury or a covered infectious disease and is unable to attend child care or student care, we will pay for the fees incurred by your child during the period of hospitalisation.
For example, if the monthly childcare fees (after deducting any form of subsidies) is $600 a month, and your insured child is hospitalised for 7 days out of 20 school days due to a covered infectious disease, we will pro-rate the childcare fees and pay $210.
Yes, if your child is confined at home for more than five days under written medical advice by a medical practitioner and is unable to attend childcare or student care, we will pay for the fees incurred by your child during the period of confinement.
For example, if the monthly childcare fees (after deducting any form of subsidies) is $600 a month, and your insured child is confined at home for 7 days out of 20 school days due to a covered infectious disease, we will pro-rate the childcare fees and pay $210.
No, claims for covered event tickets must be at least $50.
If you are not the payor of the ticket, you will need to show reasonable evidence that there was prior arrangement for you to attend the event.
We will only cover the non-refundable deposit or ticket fees incurred by the insured person who is hospitalized, in this case your husband.
Understand the details
^Promotion terms and conditions apply.
[1] This plan does not cover infectious disease diagnosed within 14 days from the policy start date as well as any infectious disease which has been announced as:
(a) an epidemic by the health authority in Singapore or the Government of the Republic of Singapore; or
(b) a pandemic by the World Health Organisation (WHO),
in the affected countries, from the date of such announcement until the epidemic or pandemic ends.
[2] You can sign up for PA Secure if you hold a valid Singapore identification document and are between 15 days and 65 years old. We may continue cover for you up to 75 years old at a reduced sum assured, and we may apply new terms; depending on our decision and if you pay an extra premium.
[3] This premium rate is applicable for Plan 1 (Individual) with yearly payment arrangement inclusive of 9% GST, rounded to the nearest cent.
[4] This benefit limit is applicable under Plan 2. We will pay for the medical expenses for injury due to an accident or when you contract an infectious disease, up to the maximum benefit limit or up to a period of 12 months from the date of the accident or date of diagnosis of the infectious disease, whichever comes first.
[5] The childcare and student care expenses optional benefit covers the insured child if he/she is unable to attend childcare or student care due to him/her:
- being required to stay as an inpatient in the hospital for 4 days or more due to an injury or an infectious disease; or
- being confined at home for 5 days or more underwritten medical advice by a medical practitioner due to an infectious disease.
[6] The event and staycation expenses that we will reimburse is the non-refundable deposit or ticket fees incurred by the insured person. We will not pay for claims that are less than $50.
[7] A family plan covers you and/or your spouse and any number of your dependant children.
[8] Dependant child(ren) means the insured person’s child(ren) who are:-
- under 18 years of age; or
- under 25 years of age; unmarried and not on full-time employment; and are primarily dependant upon the insured person for maintenance and support. For example, full-time students or national servicemen.
[9] Couple plan covers 2 married adults only.
This is for general information only and does not constitute an offer, recommendation, solicitation or advice to buy or sell any product(s). You can find the usual terms, conditions and exclusions of this policy at income.com.sg/pa-secure-policy-conditions.pdf. 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 product is suitable for you, we strongly encourage you to speak to a qualified insurance advisor. Otherwise, you may end up buying a product 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. If you find that this policy is not suitable after purchasing it, you may terminate it within the free-look period and obtain a refund of premiums paid. We may recover from you any expense incurred in underwriting this policy.
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 Income or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
Information is correct as at 24 December 2025
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