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Personal accident insurance
Does personal accident insurance cover TCM and physiotherapy?
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/covers/does-personal-accident-insurance-cover-tcm-and-physiotherapy
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.
Yes, within limits. All 22 insurers we compare pay TCM, chiropractic or physiotherapy after an accident on at least one plan, usually inside the medical expenses limit with a lower sub-limit, such as S$50 a visit or S$500 an accident. Some pay physiotherapy only on a doctor's referral, and some leave out TCM.
The figures
- Insurers compared: 22, with 425 plans between them.
- Insurers with at least one plan that covers it: 22.
- Cheapest plan that covers it, for accountant, S$200,000 cover: Great American Great Personal Accident Insurance Elite (S$200,000) Basic, S$222.08.
- Median price among the insurers that cover it, for the same example: S$308.47.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| Great AmericanYesfrom S$222.08 | Yes | Great Personal Accident Insurance Elite (S$200,000) Basic18 of its 18 plansAccident medical expenses: S$6,000 for in-hospital and out-patient treatment; TCM S$750; ambulance and mobility aid equipment S$4,000 | S$222.08Buy Now |
| ERGOYesfrom S$223.00 | Yes | ERGO AccidentProtect Essential (S$200,000), Core Cover24 of its 24 plansAccident medical expenses: S$6,000 per accident or infectious disease, in hospital and out-patient (dental, insect or animal bites and food poisoning capped at 50%, S$3,000; specialist only on a GP referral); TCM and chiropractor up to S$750 a year, S$75 a visit; ambulance and mobility aids after a hospital stay up to S$4,000 a year | S$223.00Buy Now |
| India InternationalYesfrom S$239.80 | Yes | i-Aid Enhanced (S$200,000)20 of its 20 plansAccident medical expenses: S$6,000 any one accident, Chinese medical treatment up to S$1,200 within it | S$239.80Buy Now |
| Tokio MarineYesfrom S$250.70 | Yes | TM 365 Personal Accident Plan C (S$200,000)16 of its 16 plansAccident medical expenses: S$6,000 per accident, inpatient and outpatient (Chinese physician and chiropractor S$1,500 per accident) | S$250.70Buy Now |
| EQ InsuranceYesfrom S$253.32 | Yes | EQ Personal Accident with medical expenses (the sum you choose, S$200,000 or S$500,000)16 of its 22 plansAccident medical expenses: S$10,000 per accident (TCM or chiropractor S$250, dental S$500 and physiotherapy S$300 per accident; first treatment within 7 days of the accident; bills for up to 12 months) | S$253.32Buy Now |
| Great EasternYesfrom S$283.40 | Yes | PA Supreme Plan B (S$200,000)16 of its 16 plansAccident medical expenses: S$4,000 per accident, no excess; herbalist, chiropractor, acupuncturist, bonesetter or osteopath treatment is a separate benefit, up to S$150 an accident, and you pay the first S$50 of itExcess: S$50 on herbalist, chiropractor, acupuncturist, bonesetter or osteopath treatment (you pay the first S$50 of that benefit); none on other accident medical expenses | S$283.40Buy Now |
| FWDYesfrom S$283.84 | Yes | FWD Life PA S$200,000 (Plan B)24 of its 24 plansAccident medical expenses: S$3,000 per accident, inpatient and outpatient, for treatment within 12 months (TCM, acupuncture or chiropractor S$1,000, up to S$100 a visit; physiotherapy S$1,000)Infectious diseases (e.g. dengue): 24 infectious diseases including dengue, HFMD and Zika, plus food poisoning and insect bites, treated as accidents for the death and disability and medical expenses benefits (not the TCM or chiropractor sub-limit; 14-day waiting period from the policy issue date) | S$283.84Buy Now |
| EtiqaYesfrom S$284.84 | Yes | Tiq Personal Accident Enhanced Gold (S$300,000)12 of its 12 plansAccident medical expenses: S$1,500 per accident, inpatient and outpatient together (TCM up to S$150 a visit and S$1,000 an accident)Other benefits: Facial reconstruction, skin grafts or dental after an accident S$2,000; bereavement grant S$3,000; mobility aids S$2,000 and home or office modification S$2,000 after a permanent disablement; ambulance S$200; physiotherapy S$1,500 a year on a doctor's referral (first session within 30 days); COVID-19: S$50 on diagnosis and S$50 a day in hospital up to 15 days | S$284.84Buy Now |
| LonpacYesfrom S$303.60 | Yes | Personal CarePlus Standard (S$200,000)12 of its 12 plansAccident medical expenses: S$6,000 a year (TCM S$100 per treatment, up to S$750 a year) | S$303.60Buy Now |
| AIGYesfrom S$305.20 | Yes | Sapphire Enhanced Choices Preferred, Basic package (S$200,000)32 of its 32 plansAccident medical expenses: S$6,000 per accident (physiotherapy S$100 a visit up to S$300; no TCM or chiropractor), plus S$4,000 for a mobility aid and the ambulance home after a hospital stay | S$305.20Buy Now |
| China TaipingYesfrom S$308.47 | Yes | Executive (S$200,000)16 of its 16 plansAccident medical expenses: S$2,000 per accident, within 18 months of the accident (TCM, acupuncture and bonesetting S$500 a year, not for fractures; insect and animal bites S$500 per occurrence; mobility aids S$2,000) | S$308.47Buy Now |
| SompoYesfrom S$316.10 | Yes | PAStar Elite (S$200,000)27 of its 27 plansAccident medical expenses: S$4,000 per accident; Chinese physician or chiropractor S$100 a visit, S$600 per accident, S$1,200 a year; physiotherapy S$1,500 a year | S$316.10Buy Now |
| MSIGYesfrom S$322.73 | Yes | PA RecoveryPlus Gold (S$200,000)24 of its 30 plansAccident medical expenses: S$2,000 per accident, including dental (ambulance up to S$200, insect bites up to S$500); alternative treatment (TCM, acupuncture, chiropractic) S$400 at up to S$50 a visit; mobility aids S$2,000 | S$322.73Buy Now |
| QBEYesfrom S$337.90 | Yes | PA Prestige Plan B (S$200,000)16 of its 16 plansAccident medical expenses: S$5,000 per accident with no yearly cap and no excess (first treatment within 30 days, expenses within a year of the accident; halved above age 70; tripled up to S$15,000 if injured in a robbery); Chinese physician or chiropractor up to S$750; physiotherapy counts as medical treatment | S$337.90Buy Now |
| HSBC LifeYesfrom S$357.36 | Yes | HSBC Life Band Aid Package 2 (S$200,000) with all 6 optional benefits8 of its 16 plansAccident medical expenses: S$3,000 a year (accident medical reimbursement), outpatient up to 50% of it; includes TCM, physiotherapy, dental, nursing care and mobility aids | S$357.36Buy Now |
| IncomeYesfrom S$361.88 | Yes | PA Assurance Classic (S$200,000)45 of its 45 plansAccident medical expenses: S$6,000 per accident (outpatient S$3,000; physiotherapy S$1,500 a year), plus TCM or chiropractor S$750 per accident (S$75 a visit); treatment within 12 months of the accidentOther benefits: Mobility aids S$3,000 per accident; family support fund S$10,000 on death or serious disability; home modification S$8,000; ambulance S$400 per accident (S$50 transport home); fracture diagnostics S$1,500 per accident; extra physiotherapy S$1,500 and trauma counselling S$5,000 a year after a serious disability | S$361.88Buy Now |
| AllianzYesfrom S$378.94 | Yes | Accident Protect Plus Gold (S$250,000)12 of its 12 plansAccident medical expenses: S$5,000 per accident, inpatient and outpatient for up to 12 months, plus ambulance or taxi to or from hospital in Singapore; chiropractor, TCM and physiotherapy at up to S$100 a visit, one a day, and up to 20% of the limit (S$1,000) unless an X-ray or scan shows a fracture, sprain or torn ligament | S$378.94Buy Now |
| LibertyYesfrom S$389.13 | Yes | PACare Plus Enhanced Executive (S$200,000)20 of its 20 plansAccident medical expenses: S$5,000 per accident, within 12 months (S$10,000 on public transport or from landslide, flood, fire or explosion); TCM or chiropractor S$500 and physiotherapy S$750 per accident, counted within the medical limit; mobility aids and ambulance S$3,000; taxi fares after discharge S$100 | S$389.13Buy Now |
| SinglifeYesfrom S$423.57 | Yes | Personal Accident Standard (S$200,000)12 of its 12 plansAccident medical expenses: S$4,000 per accident for hospital or doctor treatment within 365 days; TCM or chiropractor up to S$750 (S$75 a day) within it; physiotherapy S$2,000 per accident on a doctor's referral, within 90 days | S$423.57Buy Now |
| UOIYesfrom S$522.76 | Yes | UniPA Pro (S$500,000)9 of its 9 plansAccident medical expenses: S$5,000 per accident (TCM / chiropractic up to S$1,000, S$100 a visit); physiotherapy S$1,500 on a doctor's referral; ambulance S$500; first treatment within 14 days of the accident, follow-ups within 52 weeks | S$522.76Buy Now |
| HL AssuranceYesfrom S$528.66 | Yes | Family Protect360 Premier (S$250,000 an adult)16 of its 16 plansAccident medical expenses: S$2,500 per accident an adult, including Chinese physician or chiropractor treatment up to 50% of the limit and ambulance charges up to S$200 an injury; pays only what other insurance does not | S$528.66Buy Now |
| ChubbYes | Yes | DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)8 of its 10 plansAccident medical expenses: S$2,000 per accident (alternative medicine such as TCM or chiropractic S$50 a visit, S$500 per accident) | – |
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 TCM and physiotherapy?
Yes, within limits. All 22 insurers we compare pay TCM, chiropractic or physiotherapy after an accident on at least one plan, usually inside the medical expenses limit with a lower sub-limit, such as S$50 a visit or S$500 an accident. Some pay physiotherapy only on a doctor's referral, and some leave out TCM.
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?
For accountant, S$200,000 cover, Great American Great Personal Accident Insurance Elite (S$200,000) Basic is the cheapest plan that covers it, at S$222.08 today, GST included. The median of each insurer's lowest price is S$308.47.