It’s a misconception that personal accident plans are for those with risky jobs. Risks of accidents are everywhere – even in your own home. PA plans covers any form of disabilities due to an accident of any kind.

Personal Accident provides an insured 24-hours, worldwide coverage against payment for:-

• Death or injury due to accidental means
• Death or injury due to terrorists’ acts
• Motorcycling injuries
• Medical Expenses due to certain infectious diseases including Dengue Fever, SARs, Bird Flu, Hand Foot Mouth diseases, Mumps, Rubella, MERS
• Expenses incurred for purchases of mobility devices, crutches, wheelchairs, artificial limbs
• Treatment incurred by licensed Chinese Physicians and bonesetters
• Lump sum payment for bone fractures
• Emergency Medical evacuation due to accidents whilst overseas
• Coverage should be on Continental Scale of Benefits
• Qualification of claims for permanent total disability to be based on “Loss of Use” and not “Loss of Member”

A health insurance policy covers medical expenses arising from any illness, injury, medical condition. It does not provide coverage for disablement or death due to an accident.

An individual plan only insures you for the trip but not any of your friends or family members who are going to the trip along with you. If you’re going as a group, it’s best to buy under family plan.

Life insurance covers you in case of death or total permanent disablement while a personal accident policy protects you not only in the event of accidental death, but also covers total permanent disablement, partial permanent disablement & temporary total disablement due to an accident.

In case of an accident, you will be able to claim for inpatient and outpatient medical expenses, hospitalisation costs, permanent or temporary disability and death. Additional benefits such as daily hospitalisation allowance, medical evacuation/return home reimbursement, re-employment benefits or a weekly income for temporary inability to work are usually also included in PA plans."