Personal Accident

Singlife Accident Guard: Your Comprehensive Guide to Accident Protection

Are you worried about unexpected accidents disrupting your life and finances? You're not alone. Accidents can happen to anyone, anytime, anywhere. That's where Singlife Accident Guard comes in. Let's explore how this versatile plan can help you live life to the fullest with peace of mind.

Insurance Calculator

Find the right coverage in minutes

  • Accurate coverage estimates
  • Save time with instant results
  • Personalized recommendations

What is Singlife Accident Guard?

Singlife Accident Guard is a comprehensive personal accident insurance plan that offers worldwide protection . It's designed to provide financial support in case of accidents, with various coverage options to suit different needs and budgets. Here's what makes it stand out:

  • Flexible Coverage: Choose from four plan types - Lite, Standard, Prime, and Prestige.
  • Long-term Protection: Renewable annually up to age 99.
  • Enhanced Payouts: Up to 3 times the sum assured for certain accident scenarios.
  • Comprehensive Coverage: Includes protection against food poisoning, infectious diseases, and more.

Key Features of Singlife Accident Guard

Customizable Plans

Choose from Lite, Standard, Prime, or Prestige plans. Add optional covers like Accident Reimbursement, Accidental Fracture, and Weekly Income.

Enhanced Payouts

Up to 150% of sum assured for accidental death or dismemberment. 3 times payout for accidents on commercial planes or cruise ships. 2 times payout for accidents on public transport, as a pedestrian, or in fires.

Daily Hospital Cash

Receive daily cash payouts if hospitalized due to an accident (up to 365 days).

Comprehensive Coverage

Includes food poisoning and 21 infectious diseases. Covers terrorist attacks and natural disasters. Protects against loss of organs, miscarriage, or insanity due to accidents.

Family Discount

10% premium discount when you buy for your children (up to 4 children).

Why compare Singlife Accident 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?

Singlife Accident Guard offers four main plans with different levels of coverage. Here's a simple breakdown:

Basic Benefits (Lite / Standard / Prime / Prestige):

  1. Accidental Death and Dismemberment: S$250,000 / S$500,000 / S$750,000 / S$1,000,000
  2. Double Payout: S$500,000 / S$1,000,000 / S$1,500,000 / S$2,000,000
  3. Triple Payout: S$750,000 / S$1,500,000 / S$2,250,000 / S$3,000,000
  4. Daily Hospital Income: S$200 / S$300 / S$400 / S$500 per day
  5. Daily ICU Hospital Income: S$200 / S$300 / S$400 / S$500 per day (up to 30 days)
  6. Ambulance Services: S$300 for all plans

Accident Reimbursement Cover

Medical reimbursement: Up to S$8,000 per accident. Overseas medical reimbursement: Up to S$16,000 per accident. Traditional Chinese Medicine/Osteopathy/Chiropractic: Up to S$1,000 per accident. Mobility aid reimbursement: Up to S$3,000 per accident. Home modifications: Up to S$20,000 per lifetime. Family support benefit: Up to S$100,000 (doubles for certain conditions).

Accidental Fracture Cover II

Lump sum payment: S$25,000 to S$100,000 for fractures or dislocations. Physiotherapy: S$1,000 per lifetime.

Weekly Income Cover

Due to accident: S$200 to S$500 per week (up to 104 weeks). Due to sickness: S$200 to S$500 per week (up to 52 weeks).

How Much Does It Cost?

The cost of Singlife Accident Guard depends on the plan type and optional add-ons you choose. While specific premium amounts aren't provided in the brochure, here are some factors that affect the cost:

  • Plan Type: Lite is the most affordable, while Prestige offers the highest coverage.
  • Age: Premiums may increase as you get older.
  • Optional Add-ons: Each additional cover will increase the premium.
  • Family Discount: You can save 10% on premiums for your children's plans.

Real-Life Examples

Traffic Accident

If you're injured in a car crash: You'd receive a lump sum payment based on the severity of your injuries. Your medical bills would be covered (if you have the Accident Reimbursement Cover). You'd get daily cash payouts while hospitalized. If you can't work, you'd receive weekly income support (with the Weekly Income Cover).

Sports Injury

If you break a bone while playing sports: You'd receive a lump sum payment for the fracture (with Accidental Fracture Cover II). Your medical expenses, including physiotherapy, would be covered. You could claim for TCM or chiropractic treatments.

Food Poisoning

If you're hospitalized due to severe food poisoning: You'd receive daily hospital income. Your medical bills would be covered (with Accident Reimbursement Cover). You'd get support for follow-up treatments.

Pros and Cons

Pros

  • Flexible plans to suit different needs and budgets

  • Comprehensive coverage including infectious diseases and natural disasters

  • Enhanced payouts for specific accident scenarios

  • Long-term protection up to age 99

  • Optional add-ons for more tailored coverage

  • Family discount for children's plans

Cons

  • Premiums may increase with age

  • Some benefits have lifetime limits

  • Weekly Income due to Sickness has a 60-day deferment period

  • The entire portfolio or specific plan types may be withdrawn at Singlife's discretion

Frequently Asked Questions

Can I change my plan later?

Yes, you can usually adjust your coverage at renewal time.

What's not covered?

Exclusions typically include self-inflicted injuries, war, and professional sports. Check the Product Summary for full details.

How do I make a claim?

Contact Singlife as soon as possible after the accident. They'll guide you through the process.

Are the premiums fixed?

Premiums are not guaranteed and may be adjusted based on claims experience.

Can I get coverage if I have pre-existing conditions?

Yes, but accidents or illnesses related to pre-existing conditions might not be covered.

Wrapping It Up

Singlife Accident Guard offers a flexible and comprehensive approach to personal accident insurance . With its customizable plans, enhanced payouts, and wide-ranging coverage, it provides a safety net that can adapt to your changing needs throughout life.

Whether you're a young professional, a parent, or approaching retirement, this plan offers protection against the unexpected, allowing you to live life to the fullest. However, it's important to carefully consider your needs, budget, 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 lifestyle and needs. Don't leave your protection to chance – get the expert advice you deserve today.

Get 5 Expert Opinions on Personal Accident Insurance