PA Assurance

Get coverage for unexpected accidents from only $0.55 a day¹.

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.
Optional infectious diseases cover. 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 Chicken Pox, 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.

Enhancements to PA Assurance

Learn more about the changes

Overview of Coverage Table

Benefits	Maximum benefit (S$) per insured person
Benefits	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

Types of occupations covered

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.

Premium rates without infectious disease cover

Occupation Type	Yearly Premium
Occupation Type	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	Monthy Premium
Occupation Type	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.

Premium rates with infectious disease cover

Occupation Type	Yearly Premium
Occupation Type	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	Monthy Premium
Occupation Type	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

How PA Assurance provides coverage in the event of an unexpected injury
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.

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 yearly.

Brochures

PA Assurance Brochure (English)

PA Assurance Brochure (Chinese)

Policy conditions

Your queries answered.

Does this policy cover me during my reservist training?

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.

Does this policy cover treatment at a Chinese medicine practitioner or chiropractor incurred due to injury?

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).

How does this policy pay out the Weekly cash benefit for temporary disablement?

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.

Does this policy cover transportation cost to a hospital due to an accident?

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.

Does this policy cover the buying or renting of mobility aids needed after suffering an injury due to accident without doctor’s prescription?

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.

Does this policy cover against food poisoning?

Yes, you are covered for bodily injury, and even death, resulting from food poisoning.

Does this policy cover motorcycling risk?

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.

Does this policy cover me while I am overseas?

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.

Print all queries

Important notes

Footnotes

^ Promotion Ts&Cs apply.

This premium rate is applicable for Group A occupation, under Basic Plan coverage (without infectious disease cover) with yearly payment arrangement.
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.
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.
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.
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.
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.
This Intensive Care Unit (ICU) triple coverage benefit limit per day is applicable under Prestige Plan.
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.

Exclusions

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.

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. 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 8 April 2025.