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Protect your active lifestyle against unforeseen accidents from only $0.58 a day¹.
Focus on pursuing your fitness goals with confidence knowing you are well-covered.
We cover you for exciting activities and sports such as scuba diving, sky diving, Muay Thai and more, so you can enjoy your adventures to the fullest.
Protect your rented sports equipment with up to $2,000[4] coverage per policy year due to accidental damage. Add on our Sports Equipment Rider to safeguard your own sports gear too!
Additional benefits you will get with PA Fitness Protect.
Up to $750,000[5] permanent disability coverage if you become permanently disabled within 12 months due to an accident
Up to $1,000,000 third party liability coverage per accident[6]
Reimbursement of up to $5,000 unused activity fees per policy year[7] if you are unable to attend due to sickness or injury
Extra savings with No Claim Discount of 10% off your main plan
Watch this video as The World's Safest Athlete shares safety routines to safeguard your fitness lifestyle.
Join The World’s Safest Athlete and her fitness buddy at the Singapore Athletics Association’s Inter Club Championships 2023!
The World’s Safest Athlete and her fitness buddy are back to hijack more fitness events! Watch as they push their physical limits at a marathon and the Pink Ribbon Walk!
Enhanced protection which health insurance plans may not cover
In the event of an injury, PA Fitness Protect protects you from the financial stress of having to deal with medical bills incurred for outpatient treatments.
Your health insurance plan typically covers you for costs associated with hospital stays and undergoing surgery. However, if you do not require hospitalisation, it will not provide coverage, but PA Fitness Protect can still provide the coverage you need for your medical expenses due to an accident during the sport, exercise or adventurous activity[3].
Your coverage at a glance.
| Benefits | Maximum benefit (S$) per insured person | ||
| Basic | Superior | Prestige | |
| Third Party Liability (per accident) | NA | $500,000 | $1,000,000 |
| Accidental death | $150,000 | $300,000 | $500,000 |
| Permanent disability (per policy year) | $225,000 | $450,000 | $750,000 |
Accidental medical expenses (per policy year) Overall section limit Sub-limit for treatment by a Chinese medicine practitioner or a chiropractor |
$5,000 $200 |
$10,000 $1,000 |
$15,000 $3,000 |
Extra medical expenses for tears, dislocations and fractures (per policy year) Overall section limit Sub-limit for physiotherapy following tears, dislocations and fractures |
$5,000 $2,000 |
$10,000 $4,000 |
$15,000 $10,000 |
For a more detailed look at what you are covered for, you may view the full policy conditions here.
Let us walk you through PA Fitness Protect
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 9% GST: $545
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.
Take the first step today to safeguard your active lifestyle.
Speak with your preferred Income Insurance advisor or leave your contact details for us to assign one and schedule a chat with you.
Your policy toolkit
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
Policy conditions
Other documents
Your queries answered.
The age limit is 65 years old based on age at the start of the policy. 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.
We offer both annual and monthly payment frequencies.
No, we issue this policy for a coverage term of 1 year only.
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.
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.
Yes, you will be covered when performing an activity as a professional sportsperson or in national competition.
No, this policy is designed to cover you while you are performing a sport, exercise or adventurous activity as a participant.
Please also see the policy conditions for the definition of the covered activities.
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 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).
No, claims for covered for unused non-refundable activity fee must be at least $50.
The age of the sports equipment must be less than 4 years old from the date of the date of purchase at the point of application for this policy; and the sports equipment is purchased from an authorized retailer or distributor and not a marketplace platform or portal.
An invoice for the sports equipment to be covered must be submitted at the point of application. The sports equipment has to be purchased from an authorized retailer or distributor and not a marketplace platform or portal.
Understand the details
[1] This premium rate is applicable under Basic Plan coverage, yearly payment arrangement inclusive of 9% GST, rounded to the nearest cent.
[2] PA Fitness Protect covers medical expenses due to accidents during the sport, exercise or adventurous activity.
[3] 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.
[4] 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.
[5] This benefit limit is applicable under Prestige Plan coverage. It is subject to the scale of compensation as shown in the Policy Contract. We will pay this benefit if you are involved in an accident which causes an injury and due only to this accident, you become permanently disabled within 12 months from the date of the accident.
[6] This benefit limit is applicable under Prestige Plan coverage.
[7] 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.
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-fitness-protect-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.
Information is correct as at 24 December 2025
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