.webp?language=en){kind=small}
Personal accident insurance for seniors from only $0.70¹ a day.
With entry age from 50 to 75 and no medical check-up is required.
Get covered for Shingles, MPox, Dengue fever, Hand, foot and mouth disease (HFMD) and more.
Up to $12,000[4] hospitalisation expenses coverage due to an accident or covered infectious disease and up to $150[5] per day during your hospital stay so you can focus on recovering instead of worrying about hefty medical bills.
Additional personal accident benefits for seniors.
Outpatient expenses coverage of up to $2,500[4] due to an accident or covered infectious disease.
Extra medical expenses coverage of up to $5,000[4] for burns, broken bones and fractures.
Up to $300[6] per week of stay in community hospital when you are directly discharged or transferred from a hospital for recuperation due to an accident or covered infectious disease.
Payout of up to $100,000[7] for accidental permanent disability and if death occurs due to an accident or covered infectious disease, an amount of up to $30,000[4] will be paid to aid the final expenses.
Coverage for recovery care in the event of an accident or covered infectious disease such as home-care services and rehabilitation. If you suffer a serious permanent disability[8], receive coverage for home modification expenses, home cleaning services, and caregiver training expenses[9].
Your coverage at a glance.
| Key benefits[10] | Coverage amount under Platinum Plan (Maximum benefits) |
| Permanent disability (in each policy year) | $100,000 |
| Hospitalisation expenses due to accident (for each accident) | $12,000 |
| Outpatient expenses due to accident (in each policy year) | $2,500 |
| Extra medical expenses for burns, broken bones and fractures (for each policy year) | $5,000 |
| Rehabilitation and physiotherapy (up to $100 per visit in each policy year) | $1,500 |
For a more detailed look at what you are covered for, you may view the coverage table here.
Choose from three plan types to best suit your needs.
| Entry Age | Yearly premium | ||
| Superior Plan | Prestige Plan | Platinum Plan | |
| Age 50 to 75 years old | $258.88 | $411.86 | $573.10 |
| Age 76 years old and above (For renewal only. The last entry age is 75.) | $422.38 | $646.49 | $877.80 |
| Entry Age | Monthly premium | ||
| Superior Plan | Prestige Plan | Platinum Plan | |
| Age 50 to 75 years old | $23.73 | $37.76 | $52.54 |
| Age 76 years old and above (For renewal only. The last entry age is 75.) | $38.72 | $59.26 | $80.46 |
Premium rates are inclusive of 9% GST, non-guaranteed and may be reviewed from time to time.
Your policy toolkit
Eligibility and payment frequency
- Both you and your parent(s) must be holding valid Singapore identification documents (NRIC, Employment pass, work permit or Long Term Visit pass)
- Your parent(s), the insured, must be living or working in Singapore, or living outside Singapore for no more than 180 days at any one time
- Your parent(s), the insured, must be between 50 and 75 years of age
You can pay your premiums either on a monthly or yearly basis.
Policy conditions
Other documents
Your queries answered.
We will pay a lump sum amount for funeral arrangements in the event the insured person dies within 12 months from the date of the accident or covered infectious disease.
No, you can only claim outpatient medical expenses for injury resulting from accidents or covered infectious disease.
Yes, this policy will cover the expenses for treatment by a Chinese medicine practitioner or chiropractor within 12 months from the date of accident or covered infectious disease. However, we will only pay up to $50 per visit and up to the limits shown in the schedule.
List of registered Chinese medicine practitioners (http://www.healthprofessionals.gov.sg/tcmpb/en).
Yes, this policy will cover you for day surgery due to an accident or covered infectious disease under section 4 – Hospitalisation expenses due to accident or covered infectious disease.
Yes, this policy will cover for post hospitalisation medical expenses that are incurred due to a direct condition for your hospitalisation due to an accident or covered infectious disease. We will only pay up to a maximum of 30 days from the date of discharge from the hospital.
Yes, this policy will cover for all kinds of fractures except pathologic fracture. A pathologic fracture is a broken bone caused by disease such as cancer or infection that leads to weakness of the bone.
This policy will only cover the ambulance charges for transportation to a hospital due to an accident or covered infectious disease. It does not cover any other types of transportation costs.
No, we will only pay if the mobility aids are necessary for your mobility and are prescribed by a medical practitioner.
Yes, but only if you have been rejected admission to a senior day care or home care service provider in Singapore.
You can only claim for home modification if you suffer 50% or more permanent disability under our table of compensation. We will only pay the reasonable cost of modifying your home to facilitate your movement and it must be completed within six months from the date of permanent disability.
No, this policy will only pay you if you need to engage cleaning services from a Singapore registered and licensed home cleaning service company to clean your home, provided you suffer 50% or more permanent disability. If you do not require such services, this benefit will not be payable.
No, this benefit is only payable if your caregiver attends the caregiver training conducted by our appointed provider – NTUC Health
The lifetime limit will apply to your policy for all claims made payable under section 1 to 19 of this policy. It will accumulate the claims made from the start date of the first policy you are insured under. The policy will end once the lifetime limit has been reached or when the policy has been cancelled or when we have fully paid the benefits under section 1 – Final expenses and section 2 – Permanent disability.
Yes, this policy will cover you if you suffer or die from accidental food poisoning.
Yes, this policy will cover a pillion rider on a motorcycle. However, if you are the rider of the motorcycle, this policy does not cover you.
Yes, this policy covers you while you are overseas for up to 180 days.
No, this policy does not cover you whilst you are taking part in hazardous activities and sports.
No, this policy does not guarantee renewal for life but we do offer renewal to the customer for life if they meet our renewal criteria. You may wish to note that renewal is subject to our yearly invitation to renew. On top of that, this policy will end once we have paid out 100% of the sum insured under section 1 – Final expenses and section 2 – Permanent disability or you no longer meet the policy eligibility requirements or the lifetime limit under your policy has been reached.
Yes, you may purchase the policy for your parents provided they are between 50 to 75 years old.
You must inform us at least two months before the policy is due for renewal by contacting us at 6788 1777 or email us at [email protected].
Yes, you can submit your request to us but we will only allow if there is no claim paid under the policy, subject to underwriting approval. If there is any claim paid under the policy, we will not allow any upgrade of plan type.
No, we do not allow any further increase in coverage beyond Platinum Plan.
No, we do not allow coverage for motorcycling and hazardous activities.
Yes, you can cancel this insurance policy provided that there is no claim registered under this policy. You may notify us via email at [email protected] or telephone 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.
No, we do not allow three years policy. You can only take up a one-year policy.
Understand the details
[1]This premium rate is rounded to the nearest ten-cents and is applicable to insured aged 50 to 75 under Superior Plan who pays on a yearly basis.
[2]The policy will be renewed as long as:
- the eligibility requirements are met;
- claims have not reached the lifetime limit allowed for the respective plans; and
- the full sum insured under the final expenses or permanent disability benefits have not been claimed.
[3]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.
[4]This benefit limit is applicable under Platinum Plan.
[5]This plan pays up to $150 for each complete 24-hour period of hospitalisation stay under Platinum Plan, up to a maximum of 60 days for each accident.
[6]This plan pays up to $300 per week of stay in community hospital under Platinum Plan, up to 4 weeks in each policy year.
[7]This permanent disability benefit limit is applicable under Platinum Plan. This benefit is subject to the scale of compensation as shown in the Policy Contract.
[8]Serious permanent disability means if you suffer 50% or more permanent disability (as shown in the scale of compensation for permanent disability benefit).
[9]This plan will pay for the reasonable cost for the training of one caregiver and the training will be conducted by our appointed provider.
[10]This plan will pay you these benefits in the event of an accident or covered infectious diseases.
There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.
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 plan at 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. If you find that this plan 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 plan.
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
Learn more about personal accident insurance.
Learn how much it costs to hire a private nurse or live-in caregiver for your ageing parents.
Let us help you
.svg?language=en){kind=icon}
.svg?language=en){kind=icon}
.webp?language=en){kind=small}
.webp?language=en){kind=small}
