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Personal accident insurance
Does personal accident insurance cover illness?
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/covers/does-personal-accident-insurance-cover-illness
Personal accident insurance promotions today: Etiqa, 30% off; MSIG, 20% off; HL Assurance, 10% off. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
Generally not. It pays for injury from an accident. 10 of the 22 insurers we compare also name illness or disease as an exclusion, 7 with named exceptions such as dengue; the rest do not spell it out in the terms we hold. For illness, look at health insurance instead.
The figures
- Insurers compared: 22, with 425 plans between them.
- Insurers that sell it as an optional add-on: 1.
- Insurers that exclude it on every plan: 10, 7 of them with exceptions.
- Insurers whose documents do not say: 11.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| UOIOptional add-onfrom S$522.76 | Optional add-on | UniPA Pro (S$500,000)9 of its 9 plansExcluded: Sickness or disease not caused by an accident, unless the Infectious Disease optional benefit is taken | S$522.76Buy Now |
| FWDExcluded, with exceptionsfrom S$283.84 | Excluded, with exceptions | FWD Life PA S$200,000 (Plan B)24 of its 24 plansExcluded: Illness, disease or infection, except covered infectious diseases and food poisoning | S$283.84Buy Now |
| EtiqaExcluded, with exceptionsfrom S$284.84 | Excluded, with exceptions | Tiq Personal Accident Enhanced Gold (S$300,000)12 of its 12 plansExcluded: Illness or disease (outside the named infectious diseases), pregnancy and childbirth | S$284.84Buy Now |
| AIGExcluded, with exceptionsfrom S$305.20 | Excluded, with exceptions | Sapphire Enhanced Choices Preferred, Basic package (S$200,000)32 of its 32 plansExcluded: Death or injury caused by disease, illness or infection, except food poisoning and insect or animal bites (including dengue) | S$305.20Buy Now |
| IncomeExcluded, with exceptionsfrom S$361.88 | Excluded, with exceptions | PA Assurance Classic (S$200,000)38 of its 45 plansExcluded: Illness that is not an accident or a named infectious disease | S$361.88Buy Now |
| AllianzExcluded, with exceptionsfrom S$378.94 | Excluded, with exceptions | Accident Protect Plus Gold (S$250,000)12 of its 12 plansExcluded: Pre-existing conditions; any infectious disease diagnosed within the first 30 days of the policy; illness other than the 27 listed infectious diseases | S$378.94Buy Now |
| SinglifeExcluded, with exceptionsfrom S$423.57 | Excluded, with exceptions | Personal Accident Standard (S$200,000)12 of its 12 plansExcluded: Illness, disease or infection (except the dengue, Zika, food poisoning, insect or animal bite and COVID-19 extensions) | S$423.57Buy Now |
| ChubbExcluded, with exceptions | Excluded, with exceptions | DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)10 of its 10 plansExcluded: Dental treatment, cosmetic surgery, pregnancy and illness other than the named diseases | – |
| India InternationalNofrom S$239.80 | No | i-Aid Enhanced (S$200,000)20 of its 20 plansExcluded: Any physical defect, infirmity or disease; childbirth or pregnancyExcluded: A "Yes" to any of the buy page's five questions (dangerous sports, cover refused before, illness or disability, an accident in the past 3 years, other PA cover) is referred to the insurer | S$239.80Buy Now |
| EQ InsuranceNofrom S$253.32 | No | EQ Personal Accident with medical expenses (the sum you choose, S$200,000 or S$500,000)22 of its 22 plansExcluded: Pre-existing conditions, illness and disease (this policy pays only for accidents); accidents at work in excluded jobs (air crew, ship crew, heights above 30 ft, underground, diving, explosives, offshore, fire, police or armed forces) | S$253.32Buy Now |
| MSIGNofrom S$322.73 | No | PA RecoveryPlus Gold (S$200,000)18 of its 30 plansExcluded: Physical defect, disability or impairment; mental illness or brain disorder; any sickness, disease or pre-existing medical condition | S$322.73Buy Now |
| Great AmericanNot statedfrom S$222.08 | Not stated | Great Personal Accident Insurance Elite (S$200,000) Basic18 of its 18 plansThe plan's documents do not mention it. | S$222.08Buy Now |
| ERGONot statedfrom S$223.00 | Not stated | ERGO AccidentProtect Essential (S$200,000), Core Cover24 of its 24 plansThe plan's documents do not mention it. | S$223.00Buy Now |
| Tokio MarineNot statedfrom S$250.70 | Not stated | TM 365 Personal Accident Plan C (S$200,000)16 of its 16 plansThe plan's documents do not mention it. | S$250.70Buy Now |
| Great EasternNot statedfrom S$283.40 | Not stated | PA Supreme Plan B (S$200,000)16 of its 16 plansThe plan's documents do not mention it. | S$283.40Buy Now |
| LonpacNot statedfrom S$303.60 | Not stated | Personal CarePlus Standard (S$200,000)12 of its 12 plansThe plan's documents do not mention it. | S$303.60Buy Now |
| China TaipingNot statedfrom S$308.47 | Not stated | Executive (S$200,000)16 of its 16 plansThe plan's documents do not mention it. | S$308.47Buy Now |
| SompoNot statedfrom S$316.10 | Not stated | PAStar Elite (S$200,000)27 of its 27 plansThe plan's documents do not mention it. | S$316.10Buy Now |
| QBENot statedfrom S$337.90 | Not stated | PA Prestige Plan B (S$200,000)16 of its 16 plansThe plan's documents do not mention it. | S$337.90Buy Now |
| HSBC LifeNot statedfrom S$357.36 | Not stated | HSBC Life Band Aid Package 2 (S$200,000) with all 6 optional benefits16 of its 16 plansThe plan's documents do not mention it. | S$357.36Buy Now |
| LibertyNot statedfrom S$389.13 | Not stated | PACare Plus Enhanced Executive (S$200,000)20 of its 20 plansThe plan's documents do not mention it. | S$389.13Buy Now |
| HL AssuranceNot statedfrom S$528.66 | Not stated | Family Protect360 Premier (S$250,000 an adult)16 of its 16 plansThe plan's documents do not mention it. | S$528.66Buy Now |
All prices include 9% GST. A dash means the plan has no price for this example. Each insurer's policy wording is the final word on what is covered.
See every insurer's price for your own answers, with each plan's cover side by side.
Compare personal accident insuranceBuy Now addresses
Each listed insurer's best-value plan for accountant, S$200,000 cover, lowest premium first.
- Great American, Great Personal Accident Insurance Elite (S$200,000) Basic: https://shentonbrokers.com/go/buy/pa/great-american/elite-basic?coverFor=myself&occupation=accountant&sumInsured=200000
- Etiqa, Tiq Personal Accident Enhanced Gold (S$300,000): https://www.tiq.com.sg/buy-online/tiq-personal-accident/quotation/?referral=A501895
- ERGO, ERGO AccidentProtect Essential (S$200,000), Core Cover + Add-on Cover 1: https://shentonbrokers.com/go/buy/pa/ergo/essential-addon1?coverFor=myself&occupation=accountant&sumInsured=200000
- AIG, Sapphire Enhanced Choices Preferred, Basic package (S$200,000): https://www.aig.sg/home/solutions/personal/accident-and-health/sapphire-enhanced?pc=030303
- Sompo, PAStar Elite (S$200,000): https://www.sompo.com.sg/products/pa-star/quotation/GetQuote?p=STI33804
- QBE, PA Prestige Plan B (S$200,000): https://sg-customer.qbe.com/pa/partner/01001305
- MSIG, ProtectionPlus Platinum (S$250,000): https://shentonbrokers.com/go/msig/pa-protectionplus
- Liberty, PACare Plus Enhanced Executive (S$200,000): https://shentonbrokers.com/go/buy/pa/liberty/pacare-executive?coverFor=myself&occupation=accountant&sumInsured=200000
- Income, PA Assurance Classic with infectious disease cover (S$200,000): https://shentonbrokers.com/go/buy/pa/income/classic-infectious?coverFor=myself&occupation=accountant&sumInsured=200000
- HL Assurance, Family Protect360 Premier (S$250,000 an adult): https://app.hlas.com.sg/redirect?source=agent&sac=SI000001&mwc=SIB&referrer=a/a/vivien
Questions people ask
Does personal accident insurance cover illness?
Generally not. It pays for injury from an accident. 10 of the 22 insurers we compare also name illness or disease as an exclusion, 7 with named exceptions such as dengue; the rest do not spell it out in the terms we hold. For illness, look at health insurance instead.
Where do these answers come from?
From each insurer's own policy documents: the benefit table and exclusions of every live plan we compare, 425 plans from 22 insurers. The policy wording is the final word on what is covered.
Which plan is cheapest?
Prices depend on your answers: get a quote to see every insurer's price for you.