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Personal accident insurance
Does personal accident insurance cover injuries after drinking alcohol?
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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.
Usually not. 17 of the 22 insurers we compare exclude injuries from alcohol, or from drugs a doctor did not prescribe; 5 do not say either way. A fall or a road accident while drunk can be refused, leaving the medical bills with you. Some wordings say "under the influence", others "intoxication", so read the plan's own words.
The figures
- Insurers compared: 22, with 425 plans between them.
- Insurers that exclude it on every plan: 17.
- Insurers whose documents do not say: 5.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| Great AmericanNofrom S$222.08 | No | Great Personal Accident Insurance Elite (S$200,000) Basic18 of its 18 plansExcluded: Criminal acts, provoked assault, intoxication and drug use | S$222.08Buy Now |
| ERGONofrom S$223.00 | No | ERGO AccidentProtect Essential (S$200,000), Core Cover24 of its 24 plansExcluded: Suicide, self-inflicted injury, deliberate exposure to danger; criminal acts; provoked assault; intoxication or drug abuse | S$223.00Buy Now |
| India InternationalNofrom S$239.80 | No | i-Aid Enhanced (S$200,000)20 of its 20 plansExcluded: Intentional self-injury, suicide, provoked assault, intoxication, insanity, drugs or wilful exposure to danger | 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: The effect or influence of alcohol, drugs or narcotics | S$253.32Buy Now |
| Great EasternNofrom S$283.40 | No | PA Supreme Plan B (S$200,000)16 of its 16 plansExcluded: Suicide, self-inflicted injury, provoked assault; the effect of alcohol or non-prescribed drugs | S$283.40Buy Now |
| FWDNofrom S$283.84 | No | FWD Life PA S$200,000 (Plan B)24 of its 24 plansExcluded: Self-inflicted injury or attempted suicide; alcohol, drugs or narcotics | S$283.84Buy Now |
| EtiqaNofrom S$284.84 | No | Tiq Personal Accident Enhanced Gold (S$300,000)12 of its 12 plansExcluded: Suicide, self-inflicted injury, mental or nervous disorders, or intoxication by alcohol or non-prescribed drugs | S$284.84Buy Now |
| AIGNofrom S$305.20 | No | Sapphire Enhanced Choices Preferred, Basic package (S$200,000)32 of its 32 plansExcluded: Suicide, self-injury, deliberate exposure to danger; criminal acts; provoked assault, intoxication, drug abuse | S$305.20Buy Now |
| China TaipingNofrom S$308.47 | No | Executive (S$200,000)16 of its 16 plansExcluded: Suicide, intentional self-injury, provoked assault, intoxication, insanity; venereal disease, HIV/AIDS; pregnancy, childbirth and abortion (accidental miscarriage excepted) | S$308.47Buy Now |
| MSIGNofrom S$322.73 | No | PA RecoveryPlus Gold (S$200,000)30 of its 30 plansExcluded: Suicide, self-inflicted injury or wilful exposure to danger; criminal or unlawful acts; drugs or alcohol | S$322.73Buy Now |
| IncomeNofrom S$361.88 | No | PA Assurance Classic (S$200,000)45 of its 45 plansExcluded: Dangerous sports (caving, roped climbing or mountaineering, scuba deeper than 30 metres or without a buddy, sky diving, paragliding and the like), professional or paid sports, flying other than as a fare-paying passenger, alcohol or drugs, pre-existing conditions, and pregnancy or childbirth | S$361.88Buy Now |
| AllianzNofrom S$378.94 | No | Accident Protect Plus Gold (S$250,000)12 of its 12 plansExcluded: The effect of alcohol or drugs; riding or driving without a valid licence; only death and permanent disablement are payable while you live outside Singapore for more than 90 consecutive days | S$378.94Buy Now |
| SinglifeNofrom S$423.57 | No | Personal Accident Standard (S$200,000)12 of its 12 plansExcluded: Motorcycling without a licence or helmet; cycling on expressways; alcohol or drugs; travel in Afghanistan, DR Congo, Iran, Iraq, Liberia, Sudan or Syria | S$423.57Buy Now |
| UOINofrom S$522.76 | No | UniPA Pro (S$500,000)9 of its 9 plansExcluded: Suicide or intentional self-injury; pregnancy and childbirth; alcohol or non-prescribed drugs; sexually transmitted disease and HIV | S$522.76Buy Now |
| HL AssuranceNofrom S$528.66 | No | Family Protect360 Premier (S$250,000 an adult)16 of its 16 plansExcluded: Under the influence of drugs or alcohol; wilful, malicious, criminal or unlawful acts | S$528.66Buy Now |
| ChubbNo | No | DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)10 of its 10 plansExcluded: Injury while under the influence of alcohol (including over the legal limit while driving) or of drugs not prescribed by a doctor | – |
| SompoNo | No | PA Ease Plan 1 (S$50,000)15 of its 27 plansExcluded: Suicide or attempted suicide, self-inflicted injury, intoxication, pregnancy and childbirth | – |
| 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 |
| 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 |
| 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 |
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 injuries after drinking alcohol?
Usually not. 17 of the 22 insurers we compare exclude injuries from alcohol, or from drugs a doctor did not prescribe; 5 do not say either way. A fall or a road accident while drunk can be refused, leaving the medical bills with you. Some wordings say "under the influence", others "intoxication", so read the plan's own words.
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.