AIA Flexi Personal Accident

If you are injured in an accident, now or in the future, would you and your family be able to survive financially?

Accidents can happen at any time. But if you were to suffer a serious injury, you may find it hard to pay for your hospitalisation costs and medical treatments. In the event of your death, the financial consequences for your loved ones could be devastating.

• a choice of optional benefits that you can change in the future, up to the age of 80
• a level of cover for each benefit that you can adjust to suit your budget at any time
• up to S$750,000^* if you are injured as a result of an accident
• up to S$500,000^* if you pass away as a result of an accident
• cover for your spouse and children at a discounted premium

^* Based on the $500,000 amount of cover under Accidental Death and Dismemberment Benefit.

Key Benefits

With AIA Flexi Personal Accident, you can customise your benefits based on your individual needs.

There are two compulsory benefits for this policy the Accidental Death and Dismemberment Benefit and Permanent Total Disability Benefit. In addition to these compulsory benefits, you can select one or more of the six optional benefits. You can also extend cover to your spouse and children.

1. Accidental Death & Dismemberment Benefit

If an accident result in the loss of life or dismemberment, a percentage of the amount of cover according to the Schedule of Benefits listed in the policy contract will be payable.

• 10% of your amount of cover at the end of the 12 months of your disability; and
• the rest of your amount of cover 12 months after the first payment is made, provided you are still disabled.

3. Accident Medical Reimbursement Benefit

If you have an accident and require medical treatment within one year of the accident, we will reimburse the cost of your medical treatment up to your amount of cover.

You will also be reimbursed up to S$500 per accident for treatment by an acupuncturist or Chinese bonesetter.

4. Accidental Death Benefit

If you pass away within one year as a result of an accident, your amount of cover will be paid.

5. Daily Accident Hospital Income and ICU Benefit

If you have an accident and stays in hospital anywhere in the world, we will pay your amount of cover per day for a maximum of 500 days.

If you are not a Singapore citizen or a Singapore permanent resident, and you are hospitalised overseas, we will pay your amount of cover per day for a maximum of 90 days.

The amount of cover is doubled if you stay in an intensive care unit, and we will pay you for a maximum of 30 days.

6. Weekly Income Benefit

If you are disabled and unable to perform all duties at work within 90 days of the accident, we will pay your amount of cover each week.

However, if you are unable to perform one or more duties at work, we will pay 25% of your amount of cover each week.

This benefit will be paid for a maximum of 52 weeks.

The total amount payable under this benefit and Benefits 1 and 2 due to an accident is subject to 150% of the amount of cover for Benefits 1 and 2.

7. Broken Bones and Burns Benefit

If you suffer any broken bones, burns or internal injuries within 90 days of the accident, we will pay a percentage of your amount of cover according to the Schedule of Injuries listed in the policy contract.

8. Emergency Evacuation and Repatriation Benefit

If you are seriously injured due to an accident or fall seriously ill while you are away from Singapore or your home country, American International Assistance Services (AIAS) will arrange transport, as well as medical care along the way, to take you to a medical centre for treatment, subject to the amount of cover per policy year.

If you pass away due to an accident while you are away from Singapore or your home country, AIAS can also arrange repatriation to Singapore or your home country subject to your amount of cover.

• pre-existing conditions, which means any illness or condition that occurred before the date your policy began or the date your policy was last reinstated;
• an event resulting from war, invasion, or civil war;
• aerial activities or flying as a pilot or crew member in any aircraft;
• suicide or intentional self-injury;
• professional sports;
• any kind of disease or sickness (except under the Emergency Evacuation and Repatriation Benefit); and
• other additional exclusions specific to this plan.

For all other exclusions, please refer to the Policy Contract.

Who is Eligible?

You can apply if you are from 16 to 70 years of age, inclusive, and of Occupation Class 1 to 4.

You can apply for AIA Flexi Personal Accident for your spouse if he or she is from 16 to 70 years of age, inclusive, and of Occupation Class 1 to 4. You can also apply for AIA Flexi Personal Accident for your child if he or she is unmarried, from one month to 17 years old, or 23 years old and a full-time student in a recognised institute of higher learning.

For insurance purposes, Occupation Classes 1 and 2 range from a white-collar to skilled worker (based in an office or a non-hazardous working environment). Occupation Classes 3 and 4 range from a blue collar to an unskilled worker (performing manual labour but not of a hazardous nature). The description is for reference only. Your exact Occupation Class will be determined by us.

Please contact your AIA Financial Services Consultant, call 1800 248 8000 or simply fill out this feedback form for more details.

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Notes:

The above is a simplified description of the product features. This is not a contract of insurance. The precise terms and conditions of the policy, including exclusions whereby the benefits under your policy may not be paid out, are specified in the policy contract. You are advised to read the policy contract.

You are discouraged from switching from an existing accident and/or health insurance policy to a new one without considering whether the switch is detrimental, as there may be potential disadvantages with switching. A penalty may be imposed for early policy termination and the new policy may cost more or have less benefits at the same cost.