Personal Accident Insurance

[30plus]

I think before you go and buy any insurance, you need to think what do you want. Basically, insurance company is not charity. So, the premium = (actual cost + admin cost + insurance company profit) / policy holders.


It is obvious if the actual cost is quite even to all policy holders, such as outpatient cost, then it does not make sense to buy insurance. You should consider those rare events with very high cost, for example, liver transplant. That is the essence of insurance. You transfer the risk of a rare high cost event that you are not able to afford.

[anneffendi]

jessicawongcs:

Any recommendation on personal Accident insurance that cover HFMD?

Hi,
U may want to take up NTUC's income PAID(personal accident & infectious disease ) . I have for myself and my son..you can check out their website.

http://www.income.com.sg/insurance/paid/index.asp

[gt1122]

check out http://www.insupermart.com

[nettie]

Hi all,


Do you have any idea? which insurance company give us a best deal in town? i am thinking of getting it for myself and my kids

[UncleLim]

nettie:

Hi all,


Do you have any idea? which insurance company give us a best deal in town? i am thinking of getting it for myself and my kids

Nettie, do you have other insurance policies? You insurer will be happy to add on personal accident for you...

P/s. Sorry to evangelise regarding this again but I hope you and your kids also have hospitalisation insurance.

[nettie]

of cos we have hospitalisation, but i am exploring better deals… other than riders

[AT Online Store]

You may take a look at Chartis Personal Accident Plan


http://www.chartisinsurance.com/sg-Personal-accident_1030_230836.html (free cover for kid if both parent took up the plan)

or

http://www.chartisinsurance.com/Junior-Advantage_1030_229172.html.

Personally . the definition of a claim is very important for a personal accident plan. So do read the definition before you buy.

Hope it helps...

[daddy2007]

UncleLim:

Sorry to evangelise regarding this again but I hope you and your kids also have hospitalisation insurance.

ya.... this is the minimum plan one should get

[BigDevil]

AT Online Store:

You may take a look at Chartis Personal Accident Plan


http://www.chartisinsurance.com/sg-Personal-accident_1030_230836.html (free cover for kid if both parent took up the plan)

Likewise for Tenet's http://www.tenetinsurance.com/PersonalIns/PSPremium.aspx?AC=

[sobasogood]

u can consider looking at directasia.com. their policies have comparably lower premiums…