PA Supreme: Your Comprehensive Guide to Accident Protection
Are you looking for a way to protect yourself and your loved ones from unexpected accidents? You're not alone. Accidents can happen anytime, anywhere, and they often come with hefty medical bills and potential loss of income. That's where PA Supreme comes in. Let's explore how this comprehensive personal accident plan can give you peace of mind and financial security.
Insurance Calculator
Find the right coverage in minutes
Discover Your Ideal Coverage
Use our advanced calculator to get personalized insurance recommendations
- Accurate Estimates
Get precise coverage recommendations based on your needs
- Save Time
Receive instant results without lengthy consultations
- Personalized Analysis
Get tailored recommendations based on your unique situation
What is PA Supreme?
PA Supreme is a comprehensive personal accident insurance plan offered by Great Eastern General Insurance Limited. It provides 24-hour worldwide protection for you and your family, covering a wide range of accidents and their consequences. Here's what makes it stand out:
Worldwide Coverage
You're protected anywhere, anytime.
Comprehensive Benefits
From medical expenses to mobility aids, it's got you covered.
Flexible Plans
Choose from four plans to suit your budget and needs.
Family-Friendly
Includes coverage options for children.
Key Features of PA Supreme
High Payout for Serious Events
Up to S$500,000 in case of death or permanent disability . Helps maintain your family's lifestyle if the worst happens.
Financial Support During Recovery
Up to S$500 weekly allowance for temporary disability (up to 104 weeks). Daily hospital allowance of up to S$300 for up to 90 days.
Emergency Support
Up to S$50,000 for emergency medical evacuation and repatriation if you're injured overseas.
Additional Benefits
Covers medical expenses, including Traditional Chinese Medicine (TCM). Helps pay for mobility aids if needed. Provides compensation for damaged personal belongings in an accident.
What Does It Cover?
PA Supreme offers four plans for adults (A, B, C, D) and a separate plan for children. Here's a breakdown of the key benefits:
| Benefit | Plan A | Plan B | Plan C | Plan D | Child Plan |
|---|---|---|---|---|---|
| Death or Permanent Disability | S$100,000 | S$200,000 | S$300,000 | S$500,000 | S$25,000 |
| Temporary Disability (weekly, up to 104 weeks) | S$100 | S$200 | S$300 | S$500 | Not Applicable |
| Daily Hospital Allowance (up to 90 days) | S$100 | S$200 | S$250 | S$300 | Not Applicable |
| Medical Expenses | Up to S$2,000 | Up to S$4,000 | Up to S$5,000 | Up to S$7,000 | Up to S$500 |
| Mobility Aid | Up to S$1,000 | Up to S$1,000 | Up to S$1,000 | Up to S$1,000 | Up to S$1,000 |
| Evacuation and Repatriation | Up to S$50,000 | Up to S$50,000 | Up to S$50,000 | Up to S$50,000 | Up to S$25,000 |
How Much Does It Cost?
The cost depends on your occupation class and the plan you choose. Here's a simple guide:
Annual Premiums (inclusive of 9% GST):
Occupation Class 1 (e.g., office workers, teachers)
Plan A: S$161.32
Plan B: S$283.40
Plan C: S$393.49
Plan D: S$606.04
Occupation Class 2 (e.g., engineers, drivers)
Plan A: S$209.28
Plan B: S$368.42
Plan C: S$511.21
Plan D: S$785.89
Occupation Class 3 (e.g., mechanics, painters)
Plan A: S$289.94
Plan B: S$510.12
Plan C: S$708.50
Plan D: S$1086.73
Child Plan
S$56.68 (regardless of parent's occupation)
Real-Life Examples
Office Worker's Sports Injury
If you're a Class 1 worker with Plan B and break your leg playing soccer:br>- You'd receive up to S$4,000 for medical expensesbr>- If hospitalized, you'd get S$200 per day for up to 90 daysbr>- If unable to work, you'd receive S$200 per week for up to 104 weeksbr>- You could claim up to S$1,000 for crutches or other mobility aids
Driver's Traffic Accident
If you're a Class 2 worker with Plan C and are seriously injured in a car accident:br>- You'd be covered for up to S$300,000 in case of permanent disabilitybr>- Medical expenses would be covered up to S$5,000br>- You'd receive S$250 per day if hospitalizedbr>- If injured overseas, you'd be covered for evacuation costs up to S$50,000
Child's Playground Accident
If your child is covered and breaks an arm at the playground:br>- Medical expenses would be covered up to S$500br>- Mobility aids (like a cast or sling) would be covered up to S$1,000
Why Compare GREAT PA Supreme with other Personal Accident Options through Whatins?
Traditional Approach
- Limited to one company's definitions
- May not know about better coverage elsewhere
- Single view on occupation classifications
Whatins Advantage
- Compare accident definitions across insurers
- See how different plans cover various activities
- Get multiple views on occupation coverage
- Understand different approaches to sports coverage
Pros and Cons
Pros
Comprehensive coverage for a wide range of accidents
High payouts for death and permanent disability
Includes benefits often excluded in other plans (like TCM and mobility aids)
Worldwide coverage
Flexible plans to suit different needs and budgets
Cons
Premiums increase with higher-risk occupations
Child plan has limited benefits compared to adult plans
Premiums are not guaranteed and may increase in the future
Frequently Asked Questions
Can I cover my whole family under one policy?
You'll need separate policies for each family member, but you can choose appropriate plans for adults and children.
What's not covered?
Typically, self-inflicted injuries, war, professional sports, and pre-existing conditions are not covered.
Can I change my plan later?
You may be able to adjust your coverage at renewal time. Speak with your Great Eastern representative for details.
How do I make a claim?
Contact Great Eastern as soon as possible after the accident. They'll guide you through the claim process.
Are the premiums fixed?
No, premiums may be adjusted in the future based on claims experience.
Wrapping It Up
PA Supreme offers comprehensive accident protection for individuals and families. With its high payouts, wide-ranging benefits, and flexible plans, it provides a strong safety net against the financial impact of accidents. Whether you're an office worker, a driver, or a parent looking to protect your child, there's a plan designed to fit your needs.
However, it's important to consider the increasing premiums for higher-risk occupations and the potential for future premium adjustments. Remember, the best insurance is the one that fits your specific lifestyle, occupation, and budget.
Ready to take the next step? Don't rely on just one opinion. Get expert insights tailored to your unique situation. Sign up now to receive 5 expert opinions on personal accident insurance. These professionals will review your needs and provide personalised recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your needs. Don't leave your protection to chance – get the expert advice you deserve today.
Fill in your details to get started
or
By filling this out, you agree to allow us to contact you about insurance related information.