Income PA Assurance: Your Complete Guide to Comprehensive Accident Protection

Are you worried about the financial impact of accidents on you and your family? You're not alone. Accidents can happen to anyone, anytime, anywhere. That's where Income PA Assurance comes in. Let's explore how this versatile plan can protect you and your loved ones, giving you peace of mind in an unpredictable world.

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

Insurance Calculator

Find the right coverage in minutes

Accurate coverage estimates
Save time with instant results
Personalized recommendations

What is Income PA Assurance?

Income PA Assurance is a comprehensive personal accident insurance plan designed to protect you and your family from the financial hardships that accidents can bring. It offers worldwide coverage and can be enhanced with optional infectious disease protection. Here's what makes it stand out:

Flexible Coverage: Choose from four plans with increasing levels of protection.
Affordable Premiums: Start from as low as $0.54 a day.
Family-Friendly: 40% discount on premiums for children if at least one parent is insured under the same policy.
Optional Infectious Disease Cover: Protect against 21 specified infectious diseases.

Key Features of Income PA Assurance

Accident Protection

Covers accidental death and permanent disability
Pays for medical expenses due to accidents
Provides daily hospital income and weekly cash benefits

Comprehensive Benefits

Covers physiotherapy and home modification expenses
Includes mobility aids and ambulance fees
Offers trauma counseling and child support fund

Optional Infectious Disease Cover

Protects against 21 infectious diseases including dengue fever, SARS, and COVID-19
Provides similar benefits as accident coverage for infectious diseases

Worldwide Coverage

Protection while in Singapore and up to 180 days when traveling abroad

Real premiums suggested for Income PA Assurance

26, Female making $5,265 a month

Coverage:

tcm treatment

$500

accidental death

$100,000

medical expenses

$2,000

Premium:

$219.03

23, Female making $2,600 a month

Coverage:

tcm chiropractic

$250

ambulance mobility aids

$700

accidental death dismemberment

$50,000

accidental medical reimbursement

$1,000

Premium:

$96

23, Male making $2,500 a month

Coverage:

death benefit

$100,000

tcm treatment

$500

medical expenses

$2,000

Premium:

$219.03

26, Female making $9,166.667 a month

Coverage:

death benefit

$100,000

medical expenses

$2,000

tcm chiropractor

$500

Premium:

$219.03

24, Female making $83,333.333 a month

Coverage:

Premium:

$176.64

Age	What suggestion covers	Premium
26, Female making $5,265 a month	tcm treatment $500 accidental death $100,000 medical expenses $2,000	$219.03 Read More
23, Female making $2,600 a month	tcm chiropractic $250 ambulance mobility aids $700 accidental death dismemberment $50,000 accidental medical reimbursement $1,000	$96 Read More
23, Male making $2,500 a month	death benefit $100,000 tcm treatment $500 medical expenses $2,000	$219.03 Read More
26, Female making $9,166.667 a month	death benefit $100,000 medical expenses $2,000 tcm chiropractor $500	$219.03 Read More
24, Female making $83,333.333 a month		$176.64 Read More

Get your own quotes →

What Does It Cover?

Income PA Assurance offers four plans with increasing levels of coverage. Here's a simplified breakdown of key benefits:

Basic Benefits (Plan 1 / Plan 2 / Plan 3 / Plan 4)

Accidental Death: $100,000 / $250,000 / $500,000 / $1,000,000
Permanent Disability: $150,000 / $375,000 / $750,000 / $1,500,000
Medical Expenses: $2,000 / $5,000 / $10,000 / $20,000 per accident
Daily Hospital Income: $100 / $200 / $300 / $400 per day
Child Support Fund: $5,000 / $15,000 / $25,000 / $35,000

Optional Infectious Disease Cover (Plan 1 / Plan 2 / Plan 3 / Plan 4)

Death Benefit: $100,000 / $250,000 / $300,000 / $500,000
Permanent Disability: $100,000 / $250,000 / $300,000 / $500,000
Medical Expenses: $2,000 / $5,000 / $10,000 / $20,000 per infectious disease

How Much Does It Cost?

Remember, there's a 40% discount on premiums for children if at least one parent is insured under the same policy.

Without Infectious Disease Cover (Group A / Group B)

Plan 1: $198 / $428
Plan 2: $417 / $779
Plan 3: $730 / $1,235
Plan 4: $950 / $1,900

With Infectious Disease Cover (Group A / Group B)

Plan 1: $217 / $492
Plan 2: $480 / $895
Plan 3: $840 / $1,420
Plan 4: $1,092 / $2,185

Real-Life Examples

Accidental Injury

If you fall and break your leg: Your medical bills would be covered (up to your plan limit), you'd receive daily hospital income during your stay, physiotherapy expenses would be covered, and if you need crutches or a wheelchair, the plan would help pay for them.

Infectious Disease

If you contract dengue fever (with optional infectious disease cover): Your medical expenses would be covered, you'd receive daily hospital income if admitted, and treatment by a Chinese medicine practitioner would be covered.

Permanent Disability

If an accident leaves you permanently disabled: You'd receive a lump sum payment based on the severity of disability, home modification expenses would be covered, and you'd be eligible for trauma counseling.

Pros and Cons

Pros

Comprehensive coverage for accidents and optional infectious disease protection
Flexible plans to suit different needs and budgets
Family-friendly with discounts for children
Worldwide coverage
Covers a wide range of expenses including TCM and chiropractic treatment

Cons

Infectious diseases diagnosed within 14 days of policy start are not covered
Does not cover epidemics or pandemics until they are declared over
Coverage reduces after age 65

Frequently Asked Questions

Who can apply for this plan?

Anyone with a valid Singapore identification document, aged 15 days to 65 years old.

Can I get coverage if I'm over 65?

Coverage may be extended up to 75 years old, subject to new terms.

Are pre-existing conditions covered?

Generally, pre-existing conditions are not covered.

How long am I covered when traveling abroad?

You're covered for up to 180 consecutive days when outside Singapore.

What's not covered under the infectious disease benefit?

Diseases diagnosed within 14 days of policy start, and ongoing epidemics or pandemics.

Wrapping It Up

Income PA Assurance offers a comprehensive solution for protecting you and your family against the financial impact of accidents and, optionally, infectious diseases. With its flexible plans, family-friendly discounts, and wide-ranging benefits, it provides a safety net that can give you peace of mind in today's unpredictable world.

Whether you're a young professional, a parent with growing children, or approaching retirement, this plan can be tailored to suit your needs and budget. The optional infectious disease cover is particularly relevant in today's health landscape.

Remember, the best insurance is the one that fits your specific needs and situation. Consider your current health, lifestyle, occupation, and existing coverage before making a decision.

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.

Click here to get 5 expert opinions on personal accident insurance

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.

Get 5 Expert Opinions on Personal Accident Insurance