Personal Accident Safe

Personal Accident Safe

Protect your future with Personal Accident Safe

Life is full of uncertainties. Nobody can predict what will happen in the future. Therefore, it is important to protect yourself and your loved ones from the consequences of an accident. Our Personal Accident Safe offers you a comprehensive coverage for you and your loved ones that give you a Peace of Mind.

 

Special & Enhanced Features  In addition, we extend cover for the following:- 
  • Choice of Family or Single
  • 4 Different types of coverage to choose
  • Worldwide 24-hour Protection against sudden, unforeseen and unexpected mishap
  • Worldwide Terrorism Cover
  • Double Indemnity for Public Transport
  • Motorcycling with NO sub-limit
  • Permanent Disablement Benefits for Injury caused by 3rd degree burn
  • Daily Hospitalisation Allowance per day up to 365 days
  • Emergency Medical Evacuation & Repatriation
  • Repatriation of Mortal Remains
  • 15% discount if no spouse or children is included
  • No claim bonus in which 5% is entitled to you on each renewal up to 20% if you do not make any claim
  • Child Care Benefit (For Family Plan Only) provides a monthly cash benefit up to 12 months for child(ren) aged 12 years old or younger in the event of accidental death of you and / or your spouse
  • 150% payout for Permanent Total Disablement
  • Survivor Benefit – Free 6 months coverage for surviving family members
  • Renewal up to 75 years old when taken up with us before 65 and renewed yearly with no lapse in cover after 65
  • 14 days Free Look Period (not applicable to renewals) 
  • Accidental Medical Expenses including SARS, Bird Flu (H5N1) and Dengue Fever
  • Dental Treatment due to an accident
  • Bereavement Expenses
  • Accidental Miscarriage
  • Animal Bites or Insects
  • Murder and Assault Extension
  • Treatment expenses from licensed Chinese Physicians, Acupuncturists and Bonesetters
  • Domestic Maid coverage
  • Strike, Riot and Civil Commotion Extension
  • Drowning or Suffocation
  • Hijacking
  • Disappearance 

 

Benefits of PA SAFE Titanium
(SGD)
Platinum
(SGD)
Executive
(SGD)
Economy
(SGD)
Section I - Accidental Death & Permanent Disablement (including terrorism excluding Nuclear, Chemical & Biological means) 
Insured $500,000 $300,000 $200,000 $100,000
Spouse $250,000 $150,000 $100,000 $50,000
Per Child $50,000 $30,000 $20,000 $10,000
Per Parent-in-law $15,000 $15,000 $15,000 $15,000
Maid $5,000 $5,000 $5,000 $5,000
Section 2 - Public Transport Double Indemnity (Death of Insured & Spouse - Worldwide)
Insured $1,000,000 $600,000 $400,000 $200,000
Spouse $500,000 $300,000 $200,000 $100,000
Section 3 - Daily Hospitalisation Allowance Per Day up to 365 days if hospitalised for more than 24 hours due to an accident
Insured $300 $200 $150 $100
Spouse $150 $100 $75 $50
Per Child $30 $20 $15 $10
Section 4 - Accidental Medical Reimbursement (Limited Any One Accident)
Insured $5,000 $3,000 $2,000 $1,000
Spouse $2,500 $1,500 $1,000 $500
Per Child $500 $300 $200 $100
Temporary Total Disablement (per week) - Not applicable to 60 yrs and above. Insured or spouse must be gainfully employed at the time of accident $500 $300 $200 $100
Temporary Partial Disablement (per week) - Not applicable to 60 yrs and above. Insured or spouse must be gainfully employed at the time of accident $250 $150 $100 $50
Section 5 - Sars/Bird Flu (H5N1)/Dengue Fever (Limited Any One Occurrence)
Insured $500 $500 $500 $500
Spouse $250 $250 $250 $250
Per Child $100 $100 $100 $100
Section 6 - Emergency Medical Evacuation & Repatriation
  $50,000 for Individual Plan, $100,000 for Family Plan
Section 7 - Bereavement Expenses
  $2,000 $2,000 $2,000 $2,000
Section 8 - Treatment expenses from licenced Chinese Acupuncturists, bonesetters up to S$500
Section 9 - Animal Bites or Insects (Limited to Any One Occurrence)
*If Section 5 is payable, this Section does not apply $500 $500 $500 $500
Section 10 - Mobility Aid
  $2,000 $2,000 $2,000 $2,000
Section 11 - Repatriation of Mortal Remains
  $5,000 $5,000 $5,000 $5,000
Section 12 - Child Care Benefit (upon death of insured/spouse)
  $700 $500 $250 $150
Section 13 - Education Fund for insured Child upon accidental death of Insured or Spouse - $20,000 Per Child

 

TABLE OF BENEFITS
Item Description % of Capital Sum Insured
1. Death 100%
2. Total paralysis of all limbs 150%
3. Total and permanent loss of all sight of
     - both eyes
     - one eye

150%
100%
4. Loss of sight of one eye, except perception of light 50%
5. Total loss of hearing
     - both ears
     - one ear

75%
20%
6. Total loss of speech 50%
7. Total loss of speech & hearing (both ears) 150%
8. Total loss by physical severance or total and permanent loss of use of
     - two whole limbs or two feet / hands
     - one leg at hip or between hip and ankle
     - loss of one arm at shoulder or between shoulder and wrist
     - one hand or one foot

150%
100%
100%
100%
9. Total loss by physical severance or total and permanent loss of use of both thumbs and all fingers 100%
10. Total loss by physical severance or total and permanent loss of use of thumb and four fingers of one hand 50%
11. Total loss by physical severance or total and permanent loss of use of four fingers of one hand 40%
12. Total loss by physical severance or total and permanent loss of use of thumb
      - both phalanges
      - one phalanx

25%
10%
13. Total loss by physical severance or total and permanent loss of use of index finger
      - three phalanges
      - two phalanges
      - one phalanx

15%
10%
5%
14. Total loss by physical severance or total and permanent loss of use of middle finger
      - three phalanges
      - two phalanges
      - one phalanx

10%
7%
3%
15. Total loss by physical severance or total and permanent loss of use of ring finger
      - three phalanges
      - two phalanges
      - one phalanx

10%
7%
3%
16. Total loss by physical severance or total and permanent loss of use of little finger
      - three phalanges
      - two phalanges
      - one phalanx

10%
7%
3%
17. Total loss by physical severance or total and permanent loss of use of toes
      - all toes of one foot
      - great, both phalanges
      - great, one phalanx
      - other than great, each

18%
6 %
3%
3%
18. Fractured leg or patella with established non-union of leg 10%
19. Shortening of leg by at least five centimetres 10%
20. Third Degree Burns
      (a) Head - damage as a Percentage of Total Body Surface Area
           - equals to or greater than 2% but less than 5%
           - equals to or greater than 5% but less than 8%
           - equals to or greater than 8%
      (b) Body - damage as a Percentage of Total Body Surface Area
           - equals to or greater than 10% but less than 15%
           - equals to or greater than 15% but less than 20%
           - equals to or greater than 20%


50%
75%
100%

50%
75%
100%
* Where the injury is not specified, the Company will adopt a percentage of disablement, which in its opinion is not consistent with the provisions of the Table Of Benefits

 

PREMIUM TABLE (SGD)
(Before GST)
Annual Premium (Individual) Titanium Platinum Executive Economy
Class I $538 $428 $278 $168
Class II $838 $568 $388 $218
Class III NA $938 $518 $428
Annual Premium (Family) Titanium Platinum Executive Economy
Class I $848 $728 $568 $358
Class II $1,148 $938 $728 $518
Class III NA $1,148 $938 $728

 

Class I Class II Class III
Persons engaged in indoor & non-manual work in non-hazardous places. Persons engaged in work of an outdoor or supervisory nature or involved occasionally in manual work whose duties do not involve the use of tools or machinery or exposure to any special hazard. Persons engaged in manual work, involving the use of tools or machinery but not of a particularly hazardous nature.
Example:
Accountant
Office Clerk
Architect (Indoor)
Barber / Hairdresser
Beautician
Dentist / Doctor
Lawyer
Nurse
Indoor Sales / Marketing
Retiree
Surgeon (Non-veterinary)
Tailor
Homemaker
Full-Time Student (more than 16 years old)
Example:
Chauffeur
Decorator (Supervisory)
Engineer
Foreman (Non-Construction)
Grocer
Outdoor Sales / Marketing
Surveyor
Insurance Agent / Property Agent
Assembly Line Production Worker (Not using tools & machinery)
Unarmed Security Guard
Fitness / Gym Instructor
Example:
Baker / Chef
Butcher / Fishmonger
Carpenter (Not using woodworking machinery)
Contractor
Courier
Driver
Farmer
Hawker / Market Stallholder
Motor Repairer
Plumber
Veterinary Surgeon

Subject to approval by the company, restricted cover during off-duty hours may be considered for Air Crew, Pilot, NSmen and Military / Navy / Airforce personnel. 

All other professions and occupations not mentioned above must be referred to the company for approval EXCEPT for the following occupations which will be declined: 

Industrial workers using heavy machinery; woodworking related or any occupation involving aviation activities; armed services personnel; police force personnel, fire fighters; painters; construction/unskilled workers; ship crew or workers on board vessels, stevedores, shipbreakers; occupations involving diving, platforms, oil and gas rig and/or offshore work; occupations involving work at heights/underground and/or handling of hazardous chemical/electricity; professional sports teams; professional divers and jockeys; welders and the like. 

Who can apply?

Any Singaporeans, Permanent Residents or Foreigners with valid employment passes who are domiciled in Singapore whose age next birth is between 16 to 65* years may apply. Children between 6 months to 21 years old or extended to 25 years old for those in full-time tertiary institutions can also be enrolled in the Family Plan. For children between 16 to 21 years who wants to enroll in an Individual Plan, only Economy Plan is available.

* Age of next birthday

If I have not made any claim under Personal Accident Safe policy, what monetary benefits will I get upon renewal?

You will enjoy a discount (maximum 20%) on premium if you continue to insure with us.

I am a police officer. Can I buy this plan?

You will not be able to purchase this policy. However you can approach our underwriter to cover you on off duty and leisure hours.




What are the main exclusions?

  • War and kindred risks
  • Self-inflicted injury or illness
  • Alcoholism or drug abuse
  • Intoxication
  • Insanity
  • Venereal disease
  • Childbirth
  • Pre-existing medical conditions
  • Professional sports
  • Underwater or other hazardous activities
  • Private aviation
  • Full-time military duty
  • Nuclear, chemical and biological terrorism 
  • AIDS or AIDS-related complex 

 

 

Questions Relating to other Products?

Visit our FAQ section.

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For More Information

  • Sales Enquiry:
    Jane Low at +65 6389 6151
  • Email:
    This email address is being protected from spambots. You need JavaScript enabled to view it.

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