Comprehensive protection while riding a bicycle[1] or a personal mobility device[2] in Singapore.

This policy covers you while you are in Singapore only.

Your coverage at a glance.

Premiums: $96 (inclusive of 7% GST) for one-year coverage.


BenefitSum insured
Personal accident (per policy year)Up to $200,000 [3]
Medical expenses for injury due to an accident (per accident)Up to $2,500 [4] (Excess: $100 per accident)
Personal liability (per policy year)$1,000,000

Premiums are paid annually. They are inclusive of 7% GST, are non-guaranteed and may be reviewed from time to time.

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Your policy toolkit.

You must:

    • be holding a valid Singapore identification document such as a Singapore National Registration Identification Card (NRIC), Employment Pass, Work Permit, Long Term Visit Pass or Student Pass;
    • be living or working in Singapore;
    • be between the age of 8 years old and 65 years old (we may continue cover for you up to the age of 70 years old and we may apply new terms; depending on our decision and if you pay an extra premium)

Your queries answered.

The Personal Mobility Guard is the first insurance plan in Singapore that tailors to a person who uses a personal mobility device. It covers accidental death and permanent disability, medical expenses as well as protection against third-party liability when one meets with accidents while riding, mounting or dismounting from any bicycle or personal mobility device in Singapore.

No, you will only be covered when the accident occurs while riding, mounting or dismounting from a bicycle or personal mobility device in Singapore.

This benefit covers you against death or permanent disability due to an accident that occurs while riding, mounting or dismounting a bicycle or personal mobility device. This is provided that death or permanent disability occurs within 12 months from the date of the accident.

Yes, we will pay for you to be treated in Singapore by a Chinese medicine practitioner or chiropractor due to injury as long as the practitioners are registered and have a valid practicing certificate. We will pay up to the benefit limit or up to a period of 90 days from the date of accident, whichever comes first.

List of registered Chinese medicine practitioners (http://www.healthprofessionals.gov.sg/content/hprof/tcmpb/en.html).

This benefit covers you against medical expenses incurred in Singapore for injury due to an accident that occurs while riding, mounting or dismounting a bicycle or personal mobility device. The policy will pay up to the benefit limit or up to a period of 90 days from the date of accident, whichever comes first. The policyholder must pay the excess of $100 per accident before the benefit can be paid. This means that if the medical bill is below $100 (per accident), then the claim cannot be made.

This benefit covers you if you are legally responsible for accidentally injuring someone or causing loss or damage to someone else’s property while you are riding, mounting or dismounting a bicycle or personal mobility device in Singapore. We will pay for the legal expenses for representing or defending you in Singapore and/or the amount awarded against you by the court in Singapore.

Under this policy, personal mobility devices means (but not limited to) wheelchair, hoverboard, power scooter, power assisted unicycle, rollerblade, roller-skate, skateboard, skate-scooter and unicycle.

It does not include (but not limited to) a bicycle, trolley, any wheeled baby transport (for example perambulator and stroller), motor car and motorcycle.

A personal mobility device is defined as a vehicle that —

  1. Is designed to be used by one person;
  2. Has one or more wheels that operate on a single axis;
  3. Is propelled by an electric motor attached to the vehicle or by human power or both; and
  4. Does not resemble a motor car or motor cycle.

Under this policy, bicycle means a pedal bicycle, a pedal tricycle or a power-assisted bicycle.

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