PA Fitness Protect

Your active lifestyle deserves more protection. Keep protection less complicated with PA Fitness Protect.

Don't let unexpected events hinder your sporting spirit. Focus on pursuing your fitness goals with PA Fitness Protect! Enjoy 2X coverage for medical expenses due to accidental tears, dislocations and fractures[1] which most health insurance plans do not cover[2] so you can feel confident knowing your active lifestyle is well-protected. Take charge of your fitness journey and start securing your physical well-being from only $0.58 a day![3]

Why you need PA Fitness Protect?

Accidents can happen anytime, especially if you engage in sports and fitness activities frequently. The likelihood of injury you experience is higher than others who are less physically active.

Our plan offers coverage for you and your equipment so it does not affect your finances in the event of an accident.

What does our plan cover?

Get 2X coverage for tears, dislocations and fractures[1], plus sports equipment coverage.

Where can you get our plan?

Click here to buy online or reach out to our advisors here.

Here’s what you get with PA Fitness Protect.

2X coverage for medical expenses due to accidental tears, dislocations and fractures[1]
Up to $1,000,000 third party liability coverage per accident[4]
Up to $2,000 coverage per policy year[5] for accidental damage to rented sports equipment
Add-on coverage for your own sports equipment
Reimbursement of up to $5,000 unused activity fees per policy year[6] if you are unable to attend due to sickness or injury
Extra savings with No Claim Discount of 10% off your main plan

Learn more about our benefits.

Coverage for adventurous activities[7]

PA Fitness Protect also includes coverage for adventurous activities[7] including rock climbing, scuba diving, sky diving, paragliding, boxing, Muay Thai and more so you feel more confident pursuing the activities you love!

Sports Equipment Rider

Are you an avid sports enthusiast who invests in your sports equipment? We understand that your sports gear is not just an investment but a reflection of your passion and dedication. So safeguard your passion today with our optional Sports Equipment Rider. Be it for a bicycle, a surfboard or golfing gear, we provide coverage for an extensive range of sports equipment.

Increase savings with No Claim Discount

Enjoy extra savings of 10% off your main plan with PA Fitness Protect’s No Claim Discount. The discount is reflected in the following year’s policy renewal premiums if you have not made any claims on your policy during the period of insurance.

Enhanced protection which health insurance plans may not cover

In the event of an injury, PA Fitness Protect protects you from the financial stress of having to deal with medical bills incurred for outpatient treatments. 

Your health insurance plan typically covers you for costs associated with hospital stays and undergoing surgery. However, if you do not require hospitalisation, it will not provide coverage, but PA Fitness Protect can still provide the coverage you need for your medical expenses due to an accident during the sport, exercise or adventurous activity[7].

Let us walk you through PA Fitness Protect

How PA Fitness Protect safeguards your active lifestyle
David, a 35-year-old sports enthusiast, signed up for PA Fitness Protect Superior Plan to safeguard his active lifestyle. He also added on the optional Sports Equipment Rider to protect his $5,000 bicycle.

He paid a total premium of $540.

Main plan premium: $350

Sports Equipment Rider premium: $150

Total premium before GST: $500

Total premium including 8% GST: $540

While training for his overseas cycling event, he skidded over a pothole and crashed into a pedestrian. The pedestrian suffered a broken hip while David suffered a leg fracture and damage to his bicycle. Due to the injury, he is unable to attend his overseas cycling event next week.

He incurred the following costs:

Accidental medical expenses to treat his leg fracture: $7,000

Extra medical expenses to cover physiotherapy fees: $1,000

Compensation of pedestrian's medical expenses to treat the broken hip (Third Party Liability): $120,000

Forfeited cycling event ticket (Unused event fee): $200

Bicycle repair expenses: $2,000

Total claimable amount:

Under the main plan: $128,200

Under the optional Sports Equipment Rider: $1,800 (after co-payment of $200)

With PA Fitness Protect, David is able to pursue his active lifestyle with peace of mind.

This example is for illustrative purposes only and assumes that the bill is not limited or excluded by policy terms and conditions.

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Eligibility and payment frequency

Eligibility for Main Plan

You must

Be holding a valid Singapore identification document (NRIC, Employment Pass, Work Permit, Long Term Visit Pass or Student Pass)
Be living or working in Singapore, or away from Singapore for no more than 180 days at any one time, and
Be between 7 years old and 65 years old

You can make your premium payments monthly or yearly.

Eligibility for Sports Equipment Rider

Your sports equipment must fulfil the below requirements:

The age of the sports equipment is less than 4 years old from the date of purchase at the point of application for this policy
Your sports equipment is purchased from an authorized retailer or distributor and not a marketplace platform or portal.

Brochures

PA Fitness Protect Brochure

Policy conditions

Your queries answered.

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Important notes

Footnotes

PA Fitness Protect covers medical expenses due to accidents during the sport, exercise or adventurous activity.
Most health insurance plans do not cover outpatient medical treatment without hospitalisation. Policy terms, conditions and exclusions apply.
This premium rate is applicable under Basic Plan coverage, yearly payment arrangement inclusive of 8% GST, rounded to the nearest cent.
This benefit limit is applicable under Prestige Plan coverage.
We will pay for the damage to the rental equipment that the insured person is required to compensate based on a receipt from the licensed activity provider for accidentally damaging the rented equipment during the activity. This benefit limit is applicable under Prestige Plan coverage.
This benefit limit is applicable under Prestige Plan coverage. We will reimburse the unused non-refundable activity fee incurred if the insured person suffers an injury or sickness and is given hospitalisation leave or is required to stay as an inpatient in the hospital during the period of the activity for which he/she has paid an activity fee. We will not pay if the claim for activity fees is less than $50. Please refer to the policy conditions for more details.
Adventurous activity means any recreational activity which:
-the insured person has undertaken while complying with all safety procedures, such as wearing safety equipment and following rules and regulations, whether specifically advised or generally expected of a reasonable person, and
-where guidance and supervision of licensed guides or instructors are available, the recreational activity must be carried out under the guidance and supervision of licensed guides or instructors of the tour operator or activity provider, and
-is not excluded under the general exclusions listed in part 2 of the general conditions of the policy.

Adventurous activity includes but is not limited to hiking, mountain climbing, scuba-diving, bungee jumping, parasailing, paragliding, parachuting, hang-gliding, skydiving, abseiling, skiing, snowboarding, canoeing, kayaking, white water rafting, dragon boating, paddleboarding, marathon, ultramarathon, biathlon, triathlon, surfing, and snorkeling.

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. The precise terms, conditions and exclusions of PA Fitness Protect are specified in the policy contract which may be found at policy conditions.

All of Income’s products are developed to benefit our customers but not all our products may be suitable for your specific needs. If you are unsure if a product is suitable for you, we strongly encourage you to speak to a qualified Income insurance advisor. Otherwise, you may end up purchasing a product that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or obtain the insurance protection you seek. 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.

Information is correct as at 23 November 2023.