<![CDATA[Personal Accident Insurance]]>Currently my daughter is covered under AIA StarShield which also covers food poisoning and dengue


It covers HFMD but the claim of $50 is only once every 2 policy years

]]>https://forum.kiasuparents.com/topic/21897/personal-accident-insuranceRSS for NodeMon, 27 Apr 2026 04:05:13 GMTThu, 05 May 2011 14:37:52 GMT60<![CDATA[Reply to Personal Accident Insurance on Tue, 09 Jun 2020 03:21:28 GMT]]>As long as suit your budget and requirements…

Diff PA plans have diff claims limits

For overseas studies, regular PA plans work, or there are also specialised overseas student insurance, which is pricier.

]]>https://forum.kiasuparents.com/post/1980145https://forum.kiasuparents.com/post/1980145Tue, 09 Jun 2020 03:21:28 GMT<![CDATA[Reply to Personal Accident Insurance on Sun, 17 May 2020 14:31:17 GMT]]>can share more about personal accident insurance for student going overseas studies?

]]>https://forum.kiasuparents.com/post/1976418https://forum.kiasuparents.com/post/1976418Sun, 17 May 2020 14:31:17 GMT<![CDATA[Reply to Personal Accident Insurance on Fri, 10 Apr 2020 05:50:14 GMT]]>FWD Personal Accident Insurance is what we have. If you're interested you can read more about this insurance here:

https://www.valuechampion.sg/fwd-personal-accident-insurance-review

]]>https://forum.kiasuparents.com/post/1970679https://forum.kiasuparents.com/post/1970679Fri, 10 Apr 2020 05:50:14 GMT<![CDATA[Reply to Personal Accident Insurance on Sat, 21 Mar 2020 12:00:14 GMT]]>

flyingturtle\" post_id=\"1652068\" time=\"1457267591\" user_id=\"139643:

Here is the comparison of integrated shield plans by MOH. Do take note of \"(I) Claims return rate\" as well since it's important to us how fast we can get our claims.
https://www.moh.gov.sg/content/moh_web/ ... plans.html
Thank you, tell me what do you think about that policy ? https://www.axa.com.sg/personal-accident

]]>https://forum.kiasuparents.com/post/1968006https://forum.kiasuparents.com/post/1968006Sat, 21 Mar 2020 12:00:14 GMT<![CDATA[Reply to Personal Accident Insurance on Fri, 06 Sep 2019 10:56:02 GMT]]>Glad I found this thread… I’m planning to switch to a different persona accident insurance plan… but still hesitant.

]]>https://forum.kiasuparents.com/post/1934066https://forum.kiasuparents.com/post/1934066Fri, 06 Sep 2019 10:56:02 GMT<![CDATA[Reply to Personal Accident Insurance on Sat, 03 Aug 2019 19:40:50 GMT]]>This one https://www.general.com is good. How do I know? Because I use it for years!

]]>https://forum.kiasuparents.com/post/1926312https://forum.kiasuparents.com/post/1926312Sat, 03 Aug 2019 19:40:50 GMT<![CDATA[Reply to Personal Accident Insurance on Mon, 15 Oct 2018 11:43:36 GMT]]>Hello. If anyone has any questions regarding personal accident plan for your kids do contact me! Do allow me to share more info about personal accident plan with you! As low as $0.80/day and up to $600k coverage.


Contact me at joanongsiying@gmail.com

Thank you!

]]>https://forum.kiasuparents.com/post/1878902https://forum.kiasuparents.com/post/1878902Mon, 15 Oct 2018 11:43:36 GMT<![CDATA[Reply to Personal Accident Insurance on Wed, 08 Aug 2018 04:26:27 GMT]]>

kyith:
hophlng:

personal accident is important because during our financial productive years (hope no one pan tang) the chances to die from accident means is the highest. And for couple of hundreds of dollars you can get a few hundred K of coverage.


But the other important thing in PA is the medical coverage. If you are the clumsy type who always fell and trip and like to visit Chinese physician like Eu Yang Sang, PA Medical coverage is god send.

are you sure that the chances of you claiming this is higher than the chances of hospitalization?

wouldn't a hospitalization plan be more important than a personal accident plan?

Yeah, actually personal accident plans have very very high chances of claims because small accidents are very comment. And it's very easily claim because only need to go GP or TCM, and can claim due to food poisoning, insect bites - all these unfortunate cases are very frequent occurring.

But hospital plan more important because small accident bills usually less than $100 but hospital bills easily more than $1,000. Nowadays many things inflate so hospital bills easily $3k plus plus plus.

]]>https://forum.kiasuparents.com/post/1865365https://forum.kiasuparents.com/post/1865365Wed, 08 Aug 2018 04:26:27 GMT<![CDATA[Reply to Personal Accident Insurance on Sun, 17 Sep 2017 23:20:32 GMT]]>Does anyone have any recommendation on personal accident insurance?


Thinking of switching my Essential Protector and Junior Protector from GE to other companies.

Your advice, please. Thanks.

]]>https://forum.kiasuparents.com/post/1801697https://forum.kiasuparents.com/post/1801697Sun, 17 Sep 2017 23:20:32 GMT<![CDATA[Reply to Personal Accident Insurance on Mon, 13 Feb 2017 10:36:18 GMT]]>

archcherub:
do u guys buy PA alone for yourself or for kids too?

Depends. Some plans have free child cover if both parents are insured on the same plan, and the coverage is about 25% of the sum assured instead of the full sum assured.

However, there are babies/kids plans that are catered to that age group, and have additional features like childcare / school reimbursement for the time that the kid is sick at home.

So really depends on what you are looking for. So far PA Star is quite affordable and comprehensive. Most of my clients who have babies or young children opt for it. 🙂

]]>https://forum.kiasuparents.com/post/1753960https://forum.kiasuparents.com/post/1753960Mon, 13 Feb 2017 10:36:18 GMT<![CDATA[Reply to Personal Accident Insurance on Thu, 15 Dec 2016 13:16:12 GMT]]>

strictdaddy:
PA star sounds good for my kid.

my kid currently have a PA $300+ with aia, thinking to change it.

any more recommendations ?
tia
Hi there,

There has been an increasing interest for this junior accident plan with great eastern. https://www.greateasternlife.com/sg/en/personal-insurance/find-the-right-plan/protect-myself-and-my-family/personal-accident-protection/junior-protector-plus.html

Only $13.50 per month.

]]>https://forum.kiasuparents.com/post/1740456https://forum.kiasuparents.com/post/1740456Thu, 15 Dec 2016 13:16:12 GMT<![CDATA[Reply to Personal Accident Insurance on Mon, 17 Oct 2016 15:47:24 GMT]]>PA plan usually comes with family plan. Pay for both parents and free cover for kids.

]]>https://forum.kiasuparents.com/post/1726658https://forum.kiasuparents.com/post/1726658Mon, 17 Oct 2016 15:47:24 GMT<![CDATA[Reply to Personal Accident Insurance on Mon, 19 Sep 2016 14:11:04 GMT]]>My friend’s company covers Zika virus too. Pls text her at 9795-1240 rgds : )

]]>https://forum.kiasuparents.com/post/1719781https://forum.kiasuparents.com/post/1719781Mon, 19 Sep 2016 14:11:04 GMT<![CDATA[Reply to Personal Accident Insurance on Mon, 18 Jul 2016 06:15:24 GMT]]>PA star sounds good for my kid.

my kid currently have a PA $300+ with aia, thinking to change it.

any more recommendations ?
tia

]]>https://forum.kiasuparents.com/post/1699970https://forum.kiasuparents.com/post/1699970Mon, 18 Jul 2016 06:15:24 GMT<![CDATA[Reply to Personal Accident Insurance on Sun, 06 Mar 2016 12:33:11 GMT]]>Here is the comparison of integrated shield plans by MOH. Do take note of \"(I) Claims return rate\" as well since it's important to us how fast we can get our claims.

https://www.moh.gov.sg/content/moh_web/ ... plans.html

]]>https://forum.kiasuparents.com/post/1652068https://forum.kiasuparents.com/post/1652068Sun, 06 Mar 2016 12:33:11 GMT<![CDATA[Reply to Personal Accident Insurance on Sat, 23 Jan 2016 06:55:44 GMT]]>Hi all, I chance upon this forum and saw the questions that some of you have. I work as a relationship manager dealing with clients’ wealth, but I also have access to insurance across most insurance companies in Singapore so probably I can share a few tips:


1) Shield plans and accident plans are not the same. Shield plans allows you to claim your bills upon hospitalization (include pre and post, but limited to certain duration) Accident plans are more of a conditional and status basis. If you lost an arm, eyes or burnt, for example, you can receive payout accordingly.

2) Throughout the years, companies try to be competitive and started to include abit of another product, meaning accident plans covering dengue, food posioning. Some fire insurance also covers dengue as well. But please remember what the plan is for, as the default type. You shouldn’t replace one for another despite certain overlapping (if you were to do comparison, the amount that you can claim usually is lower if its an additional benefit). PA as a rider is cheaper, but the claim may be lower and restricted as well

3) For accident plans can range from Life insurers AIA, Prudential, G.E., Manulife, Tokio Marine, AXA etc, to specialised General Insurers like Tenet, AIG, ACE, etc. The cost of premiums are affected by admin charges (including comms) and others. But the main factor will be their amount of clients. If they have alot of pool of people to tap into, they can leverage to reduce their cost and pay for someone else’ coverage. But if you have so many clients under you, you will expect more claims. If your company don’t grow fast enough and develop good systems, you often can issue out claims in months than in weeks.

4) Different companies have different marketing and benefits to compete against each other. But the factor you should consider will be the PROTECTION AMOUNT, HOW FAST YOU CAN CLAIM and UNDERWRITING CRITERIAS. Technically all companies follow a certain community of underwriting but apparently from different cases, you always hear complains about their claim being rejected or reduced amount.

5) Different shield plans also have different benefits. Aviva covers free coverage for children, while NTUC currently has the cheapest premium to sum insured claim. Most importantly, make sure that you have integrated shield plan, so that you are covered both coinsurance and deductibles (specific riders), if not you will end up paying for your bills despite having a shield plan.

6) People often feels that insurance is a waste of money, that its a sunk cost. but honestly, if one is ever going to the hospital or accident (touch wood), the bills might exceed the cost that you pay for 10 years. "As with many other life necessities, it’s better to have it and not need it, than to need it and not have it"


I hope my sharing has been useful. Peace!

]]>https://forum.kiasuparents.com/post/1632862https://forum.kiasuparents.com/post/1632862Sat, 23 Jan 2016 06:55:44 GMT<![CDATA[Reply to Personal Accident Insurance on Fri, 04 Dec 2015 11:55:01 GMT]]>

ebingo:
Mine is $428 per year for $500k, and i tends to injure myself as i play basketball every weekend, so far has been claiming more than what i have paid just by going sinseh which is damn expensive nowsaday...


does yours cover terrorism, war?

]]>https://forum.kiasuparents.com/post/1612449https://forum.kiasuparents.com/post/1612449Fri, 04 Dec 2015 11:55:01 GMT<![CDATA[Reply to Personal Accident Insurance on Fri, 04 Dec 2015 07:13:05 GMT]]>Mine is $428 per year for $500k, and i tends to injure myself as i play basketball every weekend, so far has been claiming more than what i have paid just by going sinseh which is damn expensive nowsaday…

]]>https://forum.kiasuparents.com/post/1612400https://forum.kiasuparents.com/post/1612400Fri, 04 Dec 2015 07:13:05 GMT<![CDATA[Reply to Personal Accident Insurance on Wed, 02 Dec 2015 10:13:56 GMT]]>

hophlng:
personal accident is important because during our financial productive years (hope no one pan tang) the chances to die from accident means is the highest. And for couple of hundreds of dollars you can get a few hundred K of coverage.


But the other important thing in PA is the medical coverage. If you are the clumsy type who always fell and trip and like to visit Chinese physician like Eu Yang Sang, PA Medical coverage is god send.
are you sure that the chances of you claiming this is higher than the chances of hospitalization?

wouldn't a hospitalization plan be more important than a personal accident plan?

]]>https://forum.kiasuparents.com/post/1611811https://forum.kiasuparents.com/post/1611811Wed, 02 Dec 2015 10:13:56 GMT<![CDATA[Reply to Personal Accident Insurance on Wed, 25 Nov 2015 17:36:40 GMT]]>

Jennifer:
Imami:

[quote=\"Jennifer\"]Bringing this thread up.


Anyone still has personal accident insurance policy?

Kee chiu!


😂

Can tell me what is the coverage amount and the yearly premium you are paying?

I met with my Prudential agent this afternoon, almost 18 years did not see her after buying the Prulink Assurance policy.

We did a review.

She was surprised to hear that hubby does not have PA policy and recommended me a policy that has a coverage of $500k (if I remembered correctly) for $200+ yearly premium.

Is this the norm premium and coverage?[/quote]PA is relatively cheap cos it pay upon accidental death. if pass on due to sickness no claim 😞

]]>https://forum.kiasuparents.com/post/1609029https://forum.kiasuparents.com/post/1609029Wed, 25 Nov 2015 17:36:40 GMT<![CDATA[Reply to Personal Accident Insurance on Tue, 10 Nov 2015 02:09:56 GMT]]>

brightlightnight:
How do you know if the policy is good? Sometimes there's so much fine print and the agent just want to push what they have. I try my best to ask around but sometimes it's not so clear cut..

i think when it comes to which one is good, it is really very hard to say. but i think if you have found a good and committed agent then in that case, there is nothing much to worry about. my insurance is handled by my friend that i trust a lot. when i kana any kind of accident i'll call her and she will bring the forms down for me to sign and process the claims for me immediately. the last claim i did was for food poisoning and it was paid within 2 weeks. if you want to know a good agent to help you look after your family, you let me know 😄

]]>https://forum.kiasuparents.com/post/1603188https://forum.kiasuparents.com/post/1603188Tue, 10 Nov 2015 02:09:56 GMT<![CDATA[Reply to Personal Accident Insurance on Fri, 06 Nov 2015 06:23:16 GMT]]>personal accident is important because during our financial productive years (hope no one pan tang) the chances to die from accident means is the highest. And for couple of hundreds of dollars you can get a few hundred K of coverage.


But the other important thing in PA is the medical coverage. If you are the clumsy type who always fell and trip and like to visit Chinese physician like Eu Yang Sang, PA Medical coverage is god send.

]]>https://forum.kiasuparents.com/post/1601981https://forum.kiasuparents.com/post/1601981Fri, 06 Nov 2015 06:23:16 GMT<![CDATA[Reply to Personal Accident Insurance on Sat, 10 Oct 2015 10:45:53 GMT]]>personal accident premiums and coverage have gone up over the years.


the economic bias that insurance agent like to sell you a personal accident is that the commission earned is like a passive income. if you continue to pay, they continue to get commission. so if you pay $200/yr, 20% will net them $40/yr. if they have sold 100 in the past, then its $4000/yr as long as they keep paying according to this table.

https://i.imgur.com/J3bQJsi.png\">

note: this table is from 2-3 yrs ago so there might be changes.

in terms of actuarial the propensity of claim is low.

in terms of importance it is usually rank like this:

1) h&s plan
2) disability income
3) death protection
4) critical illness
5) personal accident

also there may be cross coverage for personal accident stuff in your home insurance and travel insurance

]]>https://forum.kiasuparents.com/post/1591254https://forum.kiasuparents.com/post/1591254Sat, 10 Oct 2015 10:45:53 GMT<![CDATA[Reply to Personal Accident Insurance on Sat, 10 Oct 2015 06:06:44 GMT]]>How do you know if the policy is good? Sometimes there’s so much fine print and the agent just want to push what they have. I try my best to ask around but sometimes it’s not so clear cut…

]]>https://forum.kiasuparents.com/post/1591145https://forum.kiasuparents.com/post/1591145Sat, 10 Oct 2015 06:06:44 GMT