Sompo PAStar: Your Comprehensive Guide to Personal Accident Protection

Are you worried about unexpected accidents and their financial impact? You're not alone. Accidents can happen anytime, anywhere, and to anyone . That's where Sompo PAStar comes in. Let's explore how this versatile personal accident insurance plan can provide you with peace of mind and financial security.

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What is Sompo PAStar?

Sompo PAStar is a comprehensive personal accident insurance plan designed to protect you and your family against a wide range of accidents and unexpected events. It offers flexible coverage options and unique benefits that set it apart from other personal accident plans. Here's what makes it special:

24-hour worldwide protection
Coverage for various infectious diseases
Special bonuses for life events like marriage and childbirth
Double benefits for ICU hospitalization
Coverage for alternative treatments like Chinese medicine and chiropractic care

Key Features of Sompo PAStar

Comprehensive Accident Coverage

Accidental death and permanent disablement
Medical expenses reimbursement
Daily hospitalization allowance
Weekly income benefit for temporary disability

Unique Benefits

Double hospital allowance for ICU stays (up to 50 days per accident)
Coverage for 17 infectious diseases, including dengue fever and HFMD
$100 marriage bonus and $100 per newborn child
Coverage for Chinese physician and chiropractor treatments

Free Extensions

Full terrorism cover (up to $1,000,000)
Coverage for food poisoning and accidental miscarriage
No claim bonus (up to 25% increase in sum insured)
Staycation and ticket cancellation coverage

Optional Covers

ID Booster for additional hospitalization allowance due to infectious diseases
Education fund for children in case of parent's accidental death
Parent's cover for accidental death or permanent disability

Real premiums suggested for Sompo PAStar

22, Female making $2,300 a month

Coverage:

tcm or chiropractic treatment

$500

ambulance fee and mobility aids

$1,200

accidental medical reimbursement

$2,000

accidental death and dismemberment

$100,000

Premium:

$173

26, Female making $3,800 a month

Coverage:

family support fund

$30,000

mobility aid benefit

$1,000

get well transport benefit

$50

daily accidental icu income

$50

travel and medical assistance

daily accidental hospital income

$50

emergency medical evacuation and repatriation

Unlimited

Premium:

Not provided

Age	What suggestion covers	Premium
22, Female making $2,300 a month	tcm or chiropractic treatment $500 ambulance fee and mobility aids $1,200 accidental medical reimbursement $2,000 accidental death and dismemberment $100,000	$173 Read More
26, Female making $3,800 a month	family support fund $30,000 mobility aid benefit $1,000 get well transport benefit $50 daily accidental icu income $50 travel and medical assistance daily accidental hospital income $50 emergency medical evacuation and repatriation Unlimited	Not provided Read More

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What Does It Cover?

The plan also covers various other benefits like family allowance, re-employment benefit, and emergency medical evacuation.

Benefit	Deluxe	Elite	Elite Plus	Elite Max
Accidental Death and Permanent Disablement	$100,000	$200,000	$500,000	$1,000,000
Medical Expenses (per Accident)	$3,000	$4,000	$7,000	$7,500
Daily Hospitalization Allowance (per day, up to 365 days)	$100	$150	$300	$400
Weekly Income Benefit (for temporary disability, up to 104 weeks)	$100	$200	$400	$500

How Much Does It Cost?

The annual premium depends on your occupation class and the plan you choose. Here's a general guide:

Class 1 (Indoor, non-manual work):

Deluxe: $192.60

Elite: $310.30

Elite Plus: $707.27

Elite Max: $1,086.05

Class 2 (Outdoor, occasional manual work):

Deluxe: $235.40

Elite: $379.85

Elite Plus: $785.38

Elite Max: $1,171.65

Class 3 (Manual work with tools/machinery):

Deluxe: $460.10

Elite and above: Not available

These prices are inclusive of GST. Optional covers have additional premiums.

Real-Life Examples

Accidental Injury

If you slip and fall at home, breaking your arm:

Your medical bills would be covered (up to your plan limit)
You'd receive a daily hospital allowance if admitted
If you can't work, you'd get a weekly income benefit
You could claim for TCM or chiropractic treatments

Infectious Disease

If you're diagnosed with dengue fever:

Your medical expenses would be covered
With the ID Booster, you'd get additional daily hospital allowance

Family Protection

If you're in a serious accident:

Your family would receive a monthly allowance for 12 months
If you have children, they'd receive a monthly tuition benefit
With the optional Education Fund, your children's education would be secured

Why Compare Sompo PAStar 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 various accidents and situations
Unique benefits like marriage and baby bonuses
Coverage for alternative treatments (TCM, chiropractic)
Free extensions for food poisoning, terrorism, etc.
Flexible plans to suit different needs and budgets
Family-friendly with free coverage for children

Cons

Higher occupation classes have limited plan options
Some benefits are only available in higher-tier plans
Premiums may increase with age or claims history
Pre-existing conditions are not covered

Frequently Asked Questions

Can I cover my whole family under one policy?

Yes, you can cover your spouse and children. Children get free coverage if both parents are insured.

What's the age limit for this plan?

The policy documents don't specify an age limit, but there may be restrictions. Check with Sompo for details.

Are extreme sports covered?

Some adventure activities may be covered, but professional or extreme sports are likely excluded. Check the policy for details.

How do I make a claim?

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

What's the No Claim Bonus?

Your accidental death/permanent disablement sum insured increases by 5% each year (up to 25%) if you don't make a claim.

Wrapping It Up

Sompo PAStar offers a comprehensive personal accident insurance solution with unique benefits tailored to various life stages and needs. From its wide-ranging accident coverage to special bonuses for life events, it provides a safety net that goes beyond typical personal accident plans.

The flexibility in plan selection, coupled with family-friendly features like free child coverage, makes it an attractive option for individuals and families alike. However, it's important to consider your occupation class, as this affects your plan options and premiums.

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

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