• Best Personal Accident Insurance Singapore

    The field of insurance is becoming more niche based on our needs and requirements. Depending on the field of our occupation, many a times, accidents are unavoidable. But what is avoidable is shelling out all expenses from our own pocket in case accidents do occur. Hospital expenses whether in Singapore or overseas can be quite expensive. Additionally, temporary or permanent disablement arising out of such accidents can take a toll on our physical, mental and financial health.

    During such trying times, having a personal accident insurance can help compensate for multiple losses arising out of unfortunate circumstances. Personal Accident Insurance policies in Singapore offer accidental death cover, total permanent disability cover, daily cash allowance, fund for your dependents, etc. Depending on the policy, you may also get cover for emergency medical evacuation, cover for leisure and recreational sports as well as personal liability.

    Best Personal Accident Insurance in Singapore

    FWD Personal Accident Insurance

    Choose from 5 different plans that offer varying covers for accidental death, permanent total or partial disability, ambulance fee, funeral grant, emergency assistance and more.

    Here are the pros of the FWD Personal Accident Insurance:

    • Accidental death cover starting from S$100,000 and up to S$1 million.
    • Permanent total or partial disability cover starting from S$100,000 and up to S$1 million.
    • Medical expenses cover that includes inpatient as well as outpatient cover starting from S$2,000 and up to S$15,000.
    • Weekly income benefits in case of temporary total disability and daily hospital income for certain plans starting from S$300 and up to S$500.
    • Optional riders include enhanced cover for daily hospital income, additional permanent total or partial disability cover, etc.
    • Lifestyle benefits include home modification expense cover starting from S$10,000 and up to S$50,000, daily taxi allowance ranging between S$20 and S$100, etc.
    • Unlimited cover for emergency medical evacuation when overseas.
    • Guardian angel benefit which is payable to surviving children in case of accidental death of both parents ranging between S$100,000 and S$500,000.

    NTUC Personal Accident Insurance

    NTUC personal accident insurance policy offers permanent disability cover, medical expenses arising due to an accident, child support fund and infectious diseases cover.

    Here are the pros of the NTUC Personal Accident Insurance:

    • Children will enjoy a premium discount of 40% if any of the parents are covered under this policy.
    • Accidental death cover starting from S$100,000 and up to S$1 million.
    • Permanent disability cover starting from S$150,000 and up to S$1.5 million.
    • Diagnostics procedures and tests cover ranging between S$1,000 and S$5,000.
    • Child support fund starting from S$5,000 and up to S$35,000.
    • Ambulance fee up to S$200.
    • Emergency medical evacuation cover up to S$50,000.
    • Optional cover includes death benefit in case of death arising from an infectious disease, ranging between S$100,000 and S$500,000.
    • Daily hospital income and weekly cash available for all plans ranging between S$100 and S$500.

    Aviva Personal Accident Policy

    Aviva personal accident policy offers cover for accidental death and permanent disablement, medical expenses, hospital allowance, etc. The cover is also extended to personal liability.

    Here are the pros of the Aviva Personal Accident Policy:

    • Accidental death and permanent disablement cover starting from S$100,000 and up to S$300,000.
    • Medical expenses cover starting from S$3,000 and up to S$5,000.
    • Daily hospital allowance starting from S$50 and up to S$200.
    • Personal liability cover starting from S$100,000 and up to S$300,000.
    • Optional benefits include weekly temporary disablement cover of up to S$200 per week and reimbursement of ambulance service and mobility aid of up to S$2,000.

    AIA Solitaire Personal Accident Protection

    AIA personal accident protection policy offers cover for accidental death, medical reimbursement for medical expenses, total disablement cover as well as accidental burns benefit. Choose from 4 different plans with varying compensations.

    Here are the pros of the AIA Solitaire Personal Accident Protection:

    • Accidental death benefit starting from S$100,000 and up to S$750,000.
    • Accidental dismemberment and burns benefit starting from S$100,000 and up to S$750,000.
    • Accidental permanent total disablement benefit starting from S$150,000 and up to S$1,125,000.
    • Accidental medical reimbursement ranging between S$2,000 and S$5,000.
    • Optional benefits include family support fund, weekly income benefit, daily hospital income, ambulance fee and emergency medical evacuation and repatriation cover.

    AXA SmartPersonal Accident

    AXA SmartPersoanl accident policy offers cover for accidental death and permanent disablement, compassionate allowance such as funeral expense cover and medical expense cover.

    Here are the pros of the AXA SmartPersonal Accident:

    • Accidental death and permanent disablement cover starting from S$100,000 and up to S$300,000.
    • Medical expenses cover starting from S$2,000 and up to S$6,000.
    • Optional benefits include daily hospital cash allowance, income/loan protection cover, weekly benefits in case of temporary disablement and children’s fund.
    • For the cover offered, the premiums are cheaper compared to other plans.

    Compare & Review Best Personal Accident Insurance in Singapore

    Here’s an illustration of what features are covered, not covered and what the premiums look like for each insurance policy.

    Categories

    FWD Personal Accident Insurance

    NTUC Personal Accident Insurance

    Aviva Personal Accident Policy

    AIA Solitaire Personal Accident Protection

    AXA SmartPersonal Accident

    Premium range

    Not available

    Yearly premiums between S$198 and S$2,185

    Not available

    Yearly premiums between S$176.33 and S$1,784.03

    Yearly premiums between S$85.60 and S$359.52

    Coverage

    Accidental death

    Permanent disability

    Medical expenses

    Funeral grant

    Weekly income benefit/daily hospital income

    Child support fund

    Accidental death

    Permanent disability

    Medical expenses

    Daily hospital income/weekly cash

    Emergency medical evacuation

    Child support fund

    Ambulance fee

    Accidental death,

    Permanent disability,

    Medical expenses

    Daily Hospital cash allowance

    Personal liability cover

    Accidental death

    Permanent disability

    Accident medical reimbursement

    Accidental death and Permanent disability

    Accidental medical expenses

    Not Covered

    NA

    Permanent partial disability cover

    Emergency medical evacuation

    Permanent partial disability cover

    Permanent partial disability cover

    Emergency medical evacuation

    Permanent partial disability cover

    Optional riders

    Cover for damage to electronic devices

    Enhancing cover for basic benefits

    Infectious diseases cover

    Weekly temporary disablement cover

    Mobility Aid and Ambulance reimbursement

    Weekly income benefit

    Family support fund

    Hospital income benefit

    Ambulance services benefit

    Broken bones benefit

    Emergency medical evacuation

    Daily hospital cash allowance

    Weekly benefit for temporary disablement

    Children’s education fund cover

    Unique benefits

    Total partial disability

    Personal Liability cover

    Daily taxi allowance

    Unlimited cover for emergency medical evacuation

    Trauma counseling expenses

    Terrorism/riot/hijack/murder/assault, etc. cover.

    Food poisoning/ suffocation cover.

    Exposure to natural elements cover.

    Miscarriage due to an accident cover

    Personal liability cover

    Leisure and sports activity cover

    Double indemnity in case of accidental death on a public conveyance belt.

    Accidental burns benefit

    Income protection and loan protection (optional rider)

    Dependent cover extended to parents

    How to choose the best Personal Accident Insurance in Singapore

    To decide which personal accident insurance is best for you, you must check the benefits and riders of each insurance policy and determine the covers that are most applicable to you:

    • All personal accident insurance providers offer cover for personal accident and total permanent disability. But apart from those benefits, you should determine which policy is best for you depending on your occupation. For instance, if you work in a clinical laboratory, you should get a policy that covers infectious diseases.
    • If you frequently travel overseas, you should get a personal accident insurance that offers cover for emergency medical evacuation. This is because, without an insurance, medical evacuations are highly expensive.
    • If you take part in recreational sports often, opt for a policy that covers such sports, so, in case of an accident, you don’t have to bare all the expenses.
    • If you are a parent, then it is advisable to get an insurance that offers a payout or a fund for your children’s education or future expenses. 
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