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Grab these deals
Get up to 250,000 STAR$® with PA Assurance! 🎁
Find Out MoreGet coverage for unexpected accidents from only $0.55 a day[1].
Up to $20,000[2] medical expenses coverage per accident. Reduce your financial burden in the event of unexpected accidents, including sports injuries[3].
Up to $1,500,000[4] for permanent disability due to an accident. We will support you with a lump-sum payout if you become permanently disabled due to an injury caused by an accident.
We provide the most extensive range of coverage for infectious disease in Singapore. With PA Assurance, you can be protected against 25 infectious diseases[5] including Chickenpox, Shingles, Dengue Fever, Hand, Foot, and Mouth Disease (HFMD) and more.
Bigger savings with 40% off your child’s premiums[6] by insuring under the same policy with either you or your spouse.
Additional benefits you will get with our Personal Accident Insurance.
Coverage for chiropractors and TCM treatments in the event of an accident, including sports injury[3].
Up to $1,200[7] per day if you are hospitalised in an Intensive Care Unit (ICU) for up to 30 days per accident.
Reimbursement for post-accident home modification and physiotherapy expenses incurred due to accidents.
Reimbursement for cost of diagnostic procedures and tests for broken bones or fractures due to an injury.
In the event of death due to an injury caused by an accident, get up to $35,000[8] with our Family Support Fund for your dependents.
For a more detailed look at what you are covered for, you may view the full policy conditions here.
Overview of Coverage Table
| Benefits | Maximum benefit (S$) per insured person | ||||
|---|---|---|---|---|---|
| Basic | Classic | Superior | Premium | Prestige | |
| Accidental death | $100,000 | $200,000 | $300,000 | $500,000 | $1,000,000 |
| Double indemnity for accidental death on public transport | $100,000 | $200,000 | $300,000 | $500,000 | $1,000,000 |
| Permanent disability (per policy year) | $150,000 | $300,000 | $450,000 | $750,000 | $1,500,000 |
| Medical expenses for injury due to an accident (per accident) | $2,000 | $3,000 | $5,000 | $10,000 | $20,000 |
| Daily hospital income (per day; up to 365 days per policy year) | $100 | $150 | $200 | $300 | $400 |
For a more detailed look at what you are covered for, you may view the full policy conditions 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. |
| Occupation Type | Yearly Premium | ||||
Basic | Classic | Superior | Premium | Prestige | |
| Group A | $201.70 | $313.54 | $424.79 | $743.64 | $967.76 |
| Group B | $342.89 | $529.95 | $718.88 | $1,065.46 | $1,527.45 |
| Occupation Type | Monthly Premium | ||||
Basic | Classic | Superior | Premium | Prestige | |
| Group A | $17.56 | $27.30 | $36.99 | $64.76 | $84.28 |
| Group B | $29.86 | $46.15 | $62.61 | $92.72 | $133.01 |
Premium rates are inclusive of 9% GST, non-guaranteed and may be reviewed from time to time.
If you are interested in the Premium and Prestige Plan, you can choose to contact your insurance adviser or call our hotline number to find out more.
| Occupation Type | Yearly Premium | ||||
Basic | Classic | Superior | Premium | Prestige | |
| Group A | $221.05 | $354.52 | $488.97 | $855.70 | $1,112.41 |
| Group B | $375.80 | $602.50 | $835.04 | $1,233.55 | $1,763.23 |
| Occupation Type | Monthly Premium | ||||
Basic | Classic | Superior | Premium | Prestige | |
| Group A | $19.25 | $30.88 | $42.59 | $74.51 | $96.87 |
| Group B | $32.72 | $52.46 | $72.72 | $107.42 | $153.55 |
Premium rates are inclusive of 9% GST, non-guaranteed and may be reviewed from time to time.
If you are interested in the Premium and Prestige Plan, you can choose to contact your insurance adviser or call our hotline number to find out more.
Let us walk you through PA Assurance
Bryan, a 25-year old sales representative and sports enthusiast, signed up for PA Assurance Prestige Plan to protect his active lifestyle.
While playing his weekly game of football with friends, he suffered an unexpected leg fracture. He was taken to the hospital and was admitted for further checks.
After visiting a doctor, he learned that he would be required to stay at a hospital for 6 days, and was given 8 weeks of medical leave to recover at home because he is unable to work.
- Ambulance fee: $200
- Medical expenses: $15,000
- Daily hospital income: $400 x 6 days = $2,400
- Weekly cash1: $500 x 8 weeks = $4,000
Total claimable amount: $21,600
After his discharge from the hospital for his leg fracture, Bryan was recommended by his doctor to seek follow-up treatment which incurred additional expenses:
- Mobility aids: $250
- Physiotherapy: $250
Bryan also decides to go for additional treatment by a Chinese medicine practitioner which costs $150.
Total claimable amount: $650
With PA Assurance, Bryan can concentrate on recovering well without having to worry about his medical expenses.
Important notes
This example is for illustrative purposes only and assumes that the bill is not limited or excluded by policy terms and conditions.
1If you suffer an injury and become temporarily disabled, we will pay you the lower of either your basic weekly salary or the cash benefit of $500 for each full week of temporary disability, up to 104 weeks in a row.
© 2024 Income. All rights reserved.
Your policy toolkit
Eligibility and payment frequency
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 70 years old
You can make your premium payments monthly or yearly.
Policy conditions
Other documents
Your queries answered.
Yes, you will be covered during your reservist training without any additional premium. You will be covered for any accident incurred during your reservist training if it is undertaken as peacetime military training.
Yes, we will pay for the medical expenses incurred at a Chinese medicine practitioner or chiropractor due to injury as long as they are registered and have a valid practicing certificate. We will pay up to the sub-limit and benefit limit for your plan or up to a period of 12 months from the date of accident, whichever comes first.
List of registered Chinese medicine practitioners (http://www.healthprofessionals.gov.sg/tcmpb/en).
We will pay the lower of either your basic weekly salary or the cash benefit as stated in the table of cover of your plan, up to 104 consecutive weeks, if you are temporarily disabled from engaging in any occupation for more than seven consecutive days. This is provided that the date of your first medical consultation or treatment is not more than seven days from the date of accident.
For example, we will only pay under this section for one week (i.e. seven days) if the insured submits a Weekly cash benefit claim for temporary disablement for 10 days.
This policy will cover the ambulance charges for transportation to a hospital due to an accident. It does not cover any other types of transportation costs.
No, we will only pay if the mobility aids are necessary for your mobility needed after suffering an injury due to accident and are prescribed by a medical practitioner.
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.
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.
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.
No, you cannot claim under both sections for the same event. In the above scenario, we will pay under Section 3 – Permanent disability since the permanent disability was due to an injury caused by accident.
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 infectious disease cover under Section 19.
The age limit is 70 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, 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.
You can make payment depending on your activation method.
| Activation Method | Premium Payment Methods Available |
| Income website/hotline | Credit Card |
| Income branches | Credit Card / NETS |
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 $38.15 (after GST) if you cancel the policy.
There will be no refund payable to you if you have made any claim since the start date of the plan till the date of your cancellation request.
Understand the details
The campaign visual featured on the website is a creative work and not a real-life, scientific or medical illustration. Please consult your healthcare professional for any medical information.
^ 1,000 STAR$® = $1 eCapitaVoucher. Promotion Ts&Cs apply.
[1] This premium rate is applicable for Group A occupation, under Basic Plan coverage (without infectious disease cover) with yearly payment arrangement.
[2] This benefit limit is applicable under Prestige Plan. We pay for the medical expenses for injury due to an accident up to the maximum benefit limit or up to a period of 12 months from the date of the accident, whichever comes first.
[3] Coverage for sports injury is subject to the terms and conditions of the policy. Please refer to the policy conditions for the full list of exclusions.
[4] This benefit limit is applicable under Prestige Plan. It is subject to the scale of compensation as shown in the Policy Contract. We pay this benefit if you become permanently disabled within 12 months from the date of accident.
[5] 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), from the date of such announcement until the epidemic or pandemic ends.
[6] Under Basic, Classic and Superior Plan for 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 insured person for maintenance and support. For example, full-time students or national servicemen.
[7] This Intensive Care Unit (ICU) triple coverage benefit limit per day is applicable under Prestige Plan.
[8] This family support fund benefit limit is applicable under Prestige Plan. We pay this benefit if you suffer an injury and due only to this injury you die within 12 months from the date of the accident; or suffer a permanent disability which entitles you to 50% or more percentage of the sum insured as shown in the scale of compensation under permanent disability benefit due to an injury. Dependent means the insured person’s:
- legally married spouse;
- parent(s); or
- child(ren) under 18 years of age, or under 25 years of age; unmarried and not on full-time employment. For example, full-time students or national servicemen, whom are primarily dependent upon the insured person for maintenance and support.
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 policy at income.com.sg/pa-assurance-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 Insurance 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 14 January 2026
Learn more about personal accident insurance.
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