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Personal accident insurance
Does personal accident insurance pay if you cannot work?
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/covers/does-personal-accident-insurance-pay-if-you-cannot-work
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. 18 of the 22 insurers we compare state a weekly payment on at least one plan while an accident keeps you from working; 2 sell it as an add-on. Payments stop after a set number of weeks, so check the amount and the time limit.
The figures
- Insurers compared: 22, with 425 plans between them.
- Insurers with at least one plan that covers it: 18.
- Insurers that sell it as an optional add-on: 2.
- Insurers whose documents do not say: 2.
- 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$316.10.
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 plansAccidental death and permanent disability: S$200,000 lump sum for accidental death; permanent disability pays by a scale of up to 150% of the sum insured; weekly benefit S$100 for temporary total disablement, up to 104 weeks | S$222.08Buy Now |
| ERGOYesfrom S$223.00 | Yes | ERGO AccidentProtect Essential (S$200,000), Core Cover24 of its 24 plansAccidental death and permanent disability: S$200,000 (Essential), 150% for permanent total disablement; doubled as a fare-paying passenger on public transport or in an earthquake, typhoon, cyclone, hurricane or flood; weekly benefit S$200 (at most 75% of your pay) for temporary total disablement, up to 104 weeks | S$223.00Buy Now |
| Tokio MarineYesfrom S$250.70 | Yes | TM 365 Personal Accident Plan C (S$200,000)16 of its 16 plansWeekly income: S$200 a week for temporary total disablement, S$100 for temporary partial disablement, up to 104 weeks (half if unemployed or unable to prove income) | S$250.70Buy Now |
| Great EasternYesfrom S$283.40 | Yes | PA Supreme Plan B (S$200,000)16 of its 16 plansTemporary disability (weekly, up to 104 weeks): S$200 a week while unable to work, up to 104 weeks an accident (disability must start within 21 days of the accident) | S$283.40Buy Now |
| EtiqaYesfrom S$284.84 | Yes | Tiq Personal Accident Enhanced Gold (S$300,000)12 of its 12 plansAccidental death and permanent disability: Accidental death S$300,000 (doubled on public transport outside Singapore); permanent disablement up to S$250,000; weekly benefit S$100 for temporary total disablement, up to 104 weeks | S$284.84Buy Now |
| EQ InsuranceYesfrom S$295.83 | Yes | EQ Personal Accident with medical expenses and income (the sum you choose, S$200,000 or S$500,000)8 of its 22 plansWeekly benefit while unable to work: S$100 a week (or your basic weekly pay if lower) while totally unable to work, S$50 a week if partly, up to 104 weeks; you must be in paid work, see a doctor within 7 days, and the first week must be a full week; stops if the death or disablement benefit is paid | S$295.83Buy Now |
| LonpacYesfrom S$303.60 | Yes | Personal CarePlus Standard (S$200,000)12 of its 12 plansWeekly benefit while unable to work: S$300 a week for temporary total disablement, S$150 a week for partial, up to 104 weeks | S$303.60Buy Now |
| China TaipingYesfrom S$308.47 | Yes | Executive (S$200,000)16 of its 16 plansWeekly income: S$200 a week for temporary total disablement (S$100 for partial), up to 104 weeks, if under 60 and gainfully employed | S$308.47Buy Now |
| SompoYesfrom S$316.10 | Yes | PAStar Elite (S$200,000)12 of its 27 plansWeekly income while temporarily disabled: S$500 a week or your basic weekly salary if lower, up to 104 weeks in a row per accident (nothing if disabled under 7 days; 25% of the benefit for up to 12 weeks if you were not working and suffer an open fracture or dislocation needing surgery) | S$316.10Buy Now |
| MSIGYesfrom S$322.73 | Yes | PA RecoveryPlus Gold (S$200,000)24 of its 30 plansOther benefits: Transport to follow-up appointments S$15 a day up to S$75; home nursing and domestic help fund S$2,000; home modification S$7,000 (lifetime); permanent caregiver grant S$750; trauma counselling S$750; cosmetic surgery to the face or neck S$2,000; pet care S$30 a day up to S$900; staycation or ticket cancellation S$200; unused gym fees S$75 a month up to 3 months; belongings lost in an assault S$400; optional income protection S$100 to S$300 a week up to 52 weeks (not priced here) | S$322.73Buy Now |
| QBEYesfrom S$337.90 | Yes | PA Prestige Plan B (S$200,000)16 of its 16 plansHospital cash: S$100 a day, up to 90 days a year in all (stay of 24 hours or more); temporary total disablement S$200 a week, up to 104 weeks per accident (or 85% of your weekly income if lower; nothing if disabled under a week; not paid to the unemployed, retired or homemakers, S$500 a week cap if self-employed) | S$337.90Buy Now |
| IncomeYesfrom S$361.88 | Yes | PA Assurance Classic (S$200,000)42 of its 45 plansWeekly cash while unable to work: S$150 a week or your basic weekly pay if lower, up to 104 weeks in a row (disability of at least 7 days; not paid if unemployed, though students, homemakers and retirees qualify) | S$361.88Buy Now |
| AllianzYesfrom S$378.94 | Yes | Accident Protect Plus Gold (S$250,000)12 of its 12 plansHospital cash: S$100 a day, up to 750 days per accident; ICU S$200 a day up to 90 days; recuperation S$50 a day up to 30 days after 7 or more days in hospital; weekly cash S$100 for total temporary disablement, up to 104 weeks after at least 7 days off work | S$378.94Buy Now |
| AIGYesfrom S$381.50 | Yes | Sapphire Enhanced Choices Preferred, Comprehensive package (S$200,000)16 of its 32 plansComprehensive package adds: Emergency medical evacuation overseas S$25,000, coma benefit S$10,000, home contents S$10,000 a year against break-in theft (double while you are in hospital after an injury), S$100 a week (or 75% of your weekly pay if less) while temporarily unable to work, up to 104 weeks | S$381.50Buy Now |
| LibertyYesfrom S$389.13 | Yes | PACare Plus Enhanced Executive (S$200,000)20 of its 20 plansAccidental death and permanent disability: S$200,000 accidental death or permanent disablement (scale); doubles to S$400,000 as a fare-paying passenger on public transport or from landslide, flood, fire or explosion; S$200 a week up to 104 weeks if you work and cannot; family support fund S$40,000 on death or 50%+ disablement; compassionate cash S$2,000 on death | S$389.13Buy Now |
| FWDYesfrom S$458.68 | Yes | FWD Life PA S$200,000 (Plan B) with Income Support Rider Plan B12 of its 24 plansHospital cash: S$150 a day, up to 365 days per accident (S$75 for a child or someone not working); weekly income S$200 a week while still in hospital with temporary total disability, up to 104 weeks (S$100 for a child or someone not working) | S$458.68Buy Now |
| HSBC LifeYesfrom S$1,049.56 | Yes | HSBC Life Band Aid Package 3 (S$500,000) with all 6 optional benefits4 of its 16 plansOther optional benefits: Included: broken bones up to S$30,000 a year, home modification up to S$20,000 a lifetime, S$300 a week on temporary disablement | S$1,049.56Buy Now |
| ChubbYes | Yes | DBS MultiGen Protect Classic (S$100,000; underwritten by Chubb)8 of its 10 plansWeekly cash while unable to work: S$100 a week, up to 52 weeks per accident (temporary disablement, whether or not employed) | – |
| 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 |
| UOIOptional add-onfrom S$522.76 | Optional add-on | UniPA Pro (S$500,000)9 of its 9 plansHospital cash: Optional add-on (extra premium): S$200 a day in hospital, up to 365 days (S$400 a day in ICU or a high-dependency ward, up to 10 days, instead); S$200 a week recuperation income on medical leave after discharge, up to 104 weeks; needs an admissible medical-expenses claim | S$522.76Buy Now |
| India InternationalNot statedfrom S$239.80 | Not stated | i-Aid Enhanced (S$200,000)20 of its 20 plansThe plan's documents do not mention it. | S$239.80Buy 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 pay if you cannot work?
On many plans. 18 of the 22 insurers we compare state a weekly payment on at least one plan while an accident keeps you from working; 2 sell it as an add-on. Payments stop after a set number of weeks, so check the amount and the time limit.
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$316.10.