PA Guard: Your Comprehensive Guide to Flexible Accident Protection
Are you worried about unexpected accidents disrupting your life and finances? You're not alone. Accidents can happen to anyone, anytime. That's where PA Guard comes in. Let's explore how this flexible personal accident plan can help you pursue life's adventures with peace of mind.
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What is PA Guard?
PA Guard is a comprehensive personal accident insurance plan offered by Income Insurance Limited. It's designed to provide flexible coverage that suits your lifestyle and needs . Here's what makes it stand out:
Flexible Coverage
Choose from different plans and optional benefits.
Double Indemnity
Get extra protection for accidents on public transport.
Lifestyle Maintenance
Optional benefits to help maintain your standard of living after an accident.
Hospitalisation Coverage
Optional benefits to cover hospital expenses due to accidents.
Renewal Bonus
Enjoy up to 25% bonus on your sum insured for claim-free years.
Key Features of PA Guard
Accidental Death and Disability Coverage
Up to $750,000 for accidental death br>Up to $1,125,000 for permanent disability
Double Indemnity for Public Transport Accidents
Up to $750,000 extra payout for accidents on public transport
Medical Expenses Coverage
Up to $6,000 for medical expenses per accidentbr>Includes coverage for Traditional Chinese Medicine and chiropractic treatment
Optional Lifestyle Maintenance Benefits
Weekly cash benefit up to $400 for temporary disabilitybr>Family support fund up to $200,000br>Re-employment benefit of $5,000br>Home modification coverage up to $25,000
Optional Hospitalisation Benefits
Daily hospital income up to $350 per daybr>Triple cover for ICU stay up to $1,050 per daybr>Emergency medical evacuation coverage up to $100,000br>Broken bones or fractures coverage up to $25,000
Why compare PA Guard 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
In summary: If you want more control and multiple suggestions, then Whatins is the way to go.
What Does It Cover?
Optional benefits can be added to enhance your coverage for lifestyle maintenance and hospitalisation expenses.
| Basic Benefits | Plan 1 | Plan 2 | Plan 3 | Plan 4 |
|---|---|---|---|---|
| Accidental Death | $100,000 | $250,000 | $500,000 | $750,000 |
| Permanent Disability | $150,000 | $375,000 | $750,000 | $1,125,000 |
| Double Indemnity on Public Transport | $100,000 | $250,000 | $500,000 | $750,000 |
| Medical Expenses | $2,000 | $4,000 | $5,000 | $6,000 |
| TCM/Chiropractic Treatment | $500 | $750 | $1,000 | $1,250 |
How Much Does It Cost?
Adding optional benefits will increase the premium. For example, including both lifestyle and hospitalisation benefits:
- Group A: $255.08 / $448.02 / $754.33 / $986.52
- Group B: $473.08 / $828.41 / $1,334.08 / $1,826.92
Monthly payment options are also available.
| Occupation Group | Plan 1 | Plan 2 | Plan 3 | Plan 4 |
|---|---|---|---|---|
| Group A (Low-risk occupations) | $155.86 | $274.33 | $473.90 | $644.11 |
| Group B (Higher-risk occupations) | $288.90 | $516.47 | $838.08 | $1,197.27 |
Real-Life Examples
Accidental Fall
If you slip and fall at home:br>- Your medical bills would be covered (up to your plan limit)br>- If you need hospital stay, you'd get daily cash benefitsbr>- If you suffer temporary disability, you could receive weekly cash benefits
Public Transport Accident
If you're injured in a bus accident: - You'd be eligible forb>double the accidental death benefit br>- Your medical expenses and hospital stay would be coveredbr>- If you need home modifications due to disability, the plan would help pay for them
Sports Injury
If you break a bone while playing sports:br>- You'd receive a payout based on the severity of the fracturebr>- Your medical bills, including TCM treatments, would be coveredbr>- If you need mobility aids, the plan would help pay for them
Pros and Cons
Pros
Flexible plans to suit different needs and budgets
Double indemnity for public transport accidents
Optional benefits for lifestyle maintenance and hospitalisation
Covers a wide range of accidents and situations
Renewal bonus of up to 25% for claim-free years
Cons
Premiums are higher for higher-risk occupations
Some benefits have limits per accident or lifetime
Coverage reduces after age 65
Not all occupations may be eligible for coverage
Frequently Asked Questions
Who can apply for PA Guard?
Singapore residents aged 15 days to 65 years old.
Can I continue coverage after 65?
Yes, up to 75 years old, but with reduced sum insured and possible new terms.
What's not covered?
Self-inflicted injuries, pre-existing conditions, and certain high-risk activities.
How does the renewal bonus work?
You get a 5% bonus each claim-free year, up to 25% maximum.
Can I change my plan later?
Yes, you can usually adjust your coverage at renewal time.
Wrapping It Up
PA Guard offers a flexible and comprehensive solution for personal accident protection. With its range of plans and optional benefits, it can be tailored to suit various lifestyles and needs. The double indemnity for public transport accidents and the renewal bonus are particularly attractive features.
However, it's important to consider your occupation, lifestyle, and existing coverage when choosing a plan. The higher premiums for riskier occupations and the coverage reduction after age 65 are factors to keep in mind.
Remember, the best insurance is the one that fits your specific needs and situation. Consider your current lifestyle, work, and existing coverage before making a decision.
Get Expert Advice
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By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your lifestyle. Don't leave your protection to chance – get the expert advice you deserve today.
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