Comparing Personal Accident Plans

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iFAST Insurance Team May 03, 2018 2593

PA Star Standard
PA Assurance Plan 1
ePROTECT Safety Silver
TM PA Plan A
Manulife ReadyProtect Head Start
MSIG Protection Plus Silver Plan
Insurer
Sompo
NTUC Income
Etiqa Insurance
Tokio Marine
Manulife
MSIG
Entry age
Age 16 to 70 or children from 1 month to 25 for dependents unmarried and unemployed and/or in a full-time tertiary education
15 days old to age 65
Age 17 to 65 for insured adults or age 1 to 16 for insured child
Up to age 70
15 days old to age 55
Age 18 to 65 or children from age 1 to 23 for children unmarried and unemployed and/or in a full-time tertiary education
Accidental death
$50,000 with double indemnity for accidental death in event of fatal accident involving both insured adults or traffic accident
$100,000
$100,000
$100,000 with double indemnity for accidental death while travelling or private car and/or public transport
$50,000 with double indemnity for accidental death in public transport or during school activities
$100,000
Coverage for infectious disease
Yes, covers for a list of 17 specified infectious diseases
Optional add-on coverage available
Yes, covers for a list of 22 specified infectious diseases
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Yes, covers for a list of 21 specified infectious diseases
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Medical expenses
Up to $2,000
Up to $2,000
Up to $2,000
Up to $2,500
Up to $1,000 and up to $2,000 if accident occurs overseas
Up to $1,000
Treatment costs by licensed Chinese physicians and chiropractors
Up to $1,000 per accident and $2,000 per insured person
Up to $500
Included under limit for medical expenses, up to $150 per visit and $1,000 per accident
Included under limit for medical expenses, up to $500
Up to $250
Included under limit for medical expenses
Mobility aid
Up to $2,000
Up to $2,000
Included under limit for medical expenses, up to $1,000
Optional add-on coverage available
Up to $700
Included under limit for medical expenses
Daily hospitalisation allowance
Receive $50 per day up to 365 days if hospitalised for 24 hours or more due to an accident.
Double hospitalisation allowance in ICU for up to 50 days if hospitalised for 24 hours or more due to an accident
Receive $100 per day for up to 365 days per policy year
Receive $50 per day up to 180 days
Optional add-on coverage available
Optional add-on coverage available
Receive $50 per day if hospitalised for 24 hours or more due to an accident, maximum $2,500
Weekly income benefit
$50 for temporary disablement up to 104 weeks
Receive $100 per day for up to 104 consecutive weeks
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Optional add-on coverage available
Optional add-on coverage available
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Emergency medical evacuation and repatriation
Up to $50,000
Up to $50,000
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Trauma counselling expenses
Up to $1,000
Up to $5,000
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Benefits for your child
Coverage of 25% of parent's sum insured and a baby bonus allowance of $100 per child up to 2 new-born biological children
Get 40% off your child's premiums by insuring under same policy with either you or your spouse
Children are protected with 20% of parent's coverage. No limits for number of insurable children
Free child cover for up to 4 children under the age of 18
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Apply with your spouse to get free coverage for up to 3 children
Additional benefits
Family or parental allowance of $1,000 per month for 12 months in event of accidental death.
Free coverage extension for accidental miscarriage, reservist training, insect or animal bites and more
No claim bonus
Miscarriage due to an accident or infectious disease (only applicable if opted for infectious disease cover) and more
No claim bonus where your sum insured increases by 2% upon each annual renewal, up to a maximum of 5 years
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Free coverage extension for full time NS and reservist training, animal bites and more
Receive 10% bonus coverage for death and total disablement each year up to 3rd renewal.
Annual premiums for Class 1 occupation
$101.65
$198
$150
$198
$96
$123.05

*Comparison done is based on the basic personal accident insurance plan for each insurer. Information is correct as of 24 April 2018.

Comprehensive coverage: PA Star Standard

Infectious diseases, accidental miscarriage, insect or animal bites and reservist training are just some of the inclusions for PA Star Standard. In the event of an accidental death, you will also receive family allowance for 12 months.

Additionally, the policy also comprises of coverage for damage of personal effects and belongings, emergency medical evacuation and repatriation as well as trauma counselling expenses.

Coverage against infectious diseases: PA Star Standard, Manulife ReadyProtect Head Start, ePROTECT Safety Silver

The above policies protect against a list of specified infectious diseases such as Zika virus, dengue fever, avian influenza, hand foot and mouth disease and more.

PA Assurance Plan 1 also offers an add-on option for coverage against infectious diseases.

Pocket friendly prices: Manulife Ready Protect Head Start and PA Star Standard

Affordably priced, these two basic policies offer value-for-money coverages.

Emergency evacuation or repatriation: PA Star Standard and PA Assurance Plan 1

Receive reassurance knowing that you will receive compensation in the event of an emergency evacuation or repatriation with trauma counselling expenses also included.

How FSMOne can help you get on track

Our team of friendly advisers are able to help you review your financial objectives, long term commitments, and offer you investment and insurance advice specific to your needs. If you would like assistance in reviewing your financial and protection portfolio, or simply to get a quote for an insurance plan,

Contact Our Advisors Here >

Available Products on FSMOne Insurance

Term Life, Whole Life, Critical Illness, Annuity, Health, Endowment


from Etiqa Insurance, Manulife, NTUC Income and Tokio Marine Life Insurance


*Please check with our advisory team if the product you want is available on FSMOne Insurance


Interested to learn more? Check out these articles:

All You Need To Know About Personal Accident Plans

Comparing Term Life Policies

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How Much Should You Have In Your Emergency Stash?



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