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Personal accident insurance
Does personal accident insurance pay for an ambulance?
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/covers/does-personal-accident-insurance-pay-for-an-ambulance
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.
On many plans. 14 of the 22 insurers we compare name ambulance costs after an accident; 1 sells them as an add-on; 7 do not name them. The amount is small, usually S$100 to S$300, and often counts within the medical expenses limit. It pays towards getting to or from hospital, not the treatment itself.
The figures
- Insurers compared: 22, with 425 plans between them.
- Insurers with at least one plan that covers it: 14.
- Insurers that sell it as an optional add-on: 1.
- Insurers whose documents do not say: 7.
- 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$322.73.
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 plansHospital cash: No hospital cash benefit; childcare or pre-school fees S$150 a day up to 30 days while hospitalised, mobility aid and ambulance S$600, bereavement S$3,000 | S$239.80Buy Now |
| EtiqaYesfrom S$284.84 | Yes | Tiq Personal Accident Enhanced Gold (S$300,000)12 of its 12 plansOther 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 plansOther benefits: Repatriation up to S$10,000; bereavement up to S$4,000; home and mobility enhancement (mobility aids, prosthesis, ambulance, home and vehicle retrofitting) up to S$2,000; child education fund S$10,000 per child (up to 3) and parent shield S$10,000 per parent (up to 2) | 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 |
| MSIGYesfrom S$322.73 | Yes | PA RecoveryPlus Gold (S$200,000)12 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 plansFracture, mobility aid and personal effects: Fracture benefit up to S$2,000 per accident on a scale (100% for a full break of the neck, skull or spine, 20% a simple leg fracture, 7.5% a finger or toe; not paid if osteoporosis was diagnosed before the policy); mobility aid or ambulance S$5,000; personal effects S$2,000 a year (S$300 an item, S$500 for jewellery, cameras and electronics) | S$337.90Buy Now |
| IncomeYesfrom S$361.88 | Yes | PA Assurance Classic (S$200,000)45 of its 45 plansOther 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 |
| 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 weeksInfectious diseases (e.g. dengue): Optional add-on (extra premium): 22 listed diseases incl. dengue, HFMD, Zika, chikungunya, malaria, measles, mumps, rubella, TB, rabies, mpox, SARS and MERS, paid under the medical-expenses, ambulance and (if taken) cash-support limits; nothing diagnosed in the first 14 days or during a declared epidemic or pandemic | 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 |
| SompoYes | Yes | PA Ease Plan 1 (S$50,000)15 of its 27 plansAccident medical expenses: S$1,000 per accident (specialist and physiotherapy sub-limit S$500, within 90 days of the accident, GP referral needed; no Chinese physician or chiropractor treatment); ambulance S$100 per accidentInfectious diseases (e.g. dengue): Covered: 24 infectious diseases including dengue, HFMD, Zika and COVID-19, diagnosed in Singapore (death, disablement, coma, medical expenses and ambulance at the plan limits); 14-day wait; not while declared an epidemic or pandemic | – |
| SinglifeOptional add-onfrom S$423.57 | Optional add-on | Personal Accident Standard (S$200,000)12 of its 12 plansOptional add-ons: Optional: weekly temporary disablement benefit S$50, S$100 or S$200 a week for up to 104 weeks; mobility aid, ambulance and home modification up to S$3,000 a year | S$423.57Buy 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 |
| EQ InsuranceNot statedfrom S$253.32 | Not stated | EQ Personal Accident with medical expenses (the sum you choose, S$200,000 or S$500,000)22 of its 22 plansThe plan's documents do not mention it. | S$253.32Buy 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 |
| FWDNot statedfrom S$283.84 | Not stated | FWD Life PA S$200,000 (Plan B)24 of its 24 plansThe plan's documents do not mention it. | S$283.84Buy 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 |
| 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 |
| ChubbNot stated | Not stated | DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)10 of its 10 plansThe plan's documents do not mention it. | – |
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 pay for an ambulance?
On many plans. 14 of the 22 insurers we compare name ambulance costs after an accident; 1 sells them as an add-on; 7 do not name them. The amount is small, usually S$100 to S$300, and often counts within the medical expenses limit. It pays towards getting to or from hospital, not the treatment itself.
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$322.73.