Here’s what you get with PA Guard.

For a more detailed look at what you are covered for, you may view the full coverage table here.

How much you need to pay.

Premium rates are based on your occupation class.
Group A Professions or occupations of professional, administrative, managerial or clerical nature or occupations of outdoor nature or involving light manual work without the use of tools or machinery.
Examples: Admin executive, auditor, lawyers, salespersons, managers, homemakers, domestic helpers, students, doctors, teachers, insurance agents, waiters, retailers etc.
Group B Professions or occupations involving manual work with the use of tools or machinery or uniform professions involving security or defence work or whose work environment is in high altitude or of hazardous nature.
Examples: Hawkers, cooks, drivers, painters, fitness/gym trainers, despatch, construction workers, commercial airline crews, national servicemen, policemen, prison wardens, steermen, security guards, carpenters, technicians, mechanics, veterinary surgeons, paramedics, life guards etc.
Plan 1 Plan 2 Plan 3 Plan 4
Monthly premium Yearly premium Monthly premium Yearly premium Monthly premium Yearly premium Monthly premium Yearly premium
Main benefits $13.30 $153.00 $23.50 $269.30 $40.50 $465.20 $55.30 $632.30
Optional benefits: top-up amount for premiums
Optional lifestyle maintenance benefit $5.30 $61.00 $9.00 $102.90 $15.00 $172.30 $17.70 $206.80
Optional hospitalisation benefit $3.20 $36.40 $5.80 $67.60 $9.00 $103.00 $11.40 $129.30
Premium rates are inclusive of 7% GST, non-guaranteed and may be reviewed from time to time.  
Plan 1 Plan 2 Plan 3 Plan 4
Monthly premium Yearly premium Monthly premium Yearly premium Monthly premium Yearly premium Monthly premium Yearly premium
Main benefits $24.70 $283.60 $44.20 $507.00 $71.70 $822.70 $102.30 $1,170.30
Optional benefits: top-up amount for premiums
Optional lifestyle maintenance benefit $9.90 $113.40 $16.10 $185.20 $26.50 $304.50 $33.00 $378.60
Optional hospitalisation benefit $5.90 $67.40 $10.50 $121.00 $15.80 $182.40 $20.90 $239.50
Premium rates are inclusive of 7% GST, non-guaranteed and may be reviewed from time to time.  
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Your policy toolkit.

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, and
  • Be between 15 days old and 65 years old.

Your queries answered.

The age limit is 65 years old based on age at the start of the policy. 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, dependent’s pass, work permit or student pass.

Yes, you can submit to us your application together with the details of your previous accident. You should include when the accident happened, the cause of the accident and the medical treatment that you received. We will assess your condition and contact you on our decision.

No, we issue this policy for a coverage term of 1 year only.

We offer both annual and monthly payment frequencies.

No, you must be living or working in Singapore, or away from Singapore for no more than 180 days at any one time.

Yes, you can cancel this plan by notifying us via email at pline@income.com.sg or telephone at 6788 6616. The cancellation will take effect from the date we receive your request.

For cancellation after the 14 day free-look period, we will proceed with your refund based on the calculation as follows:
 

Period of insurance (in days) still left to run original period of insurance of the policyX85% of total premium paid


We will not refund any premium below $37.45 (inclusive of 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.

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