Personal Accident

Help ease your financial burden should you be injured or disabled as a result of an accident

Accidents can happen to anyone at any time — most are minor, while some can be serious. However, even a minor accident and a trip to the emergency room can be costly. Or you might be unfortunate enough to suffer a serious injury which could cause you to lose a limb, or be permanently disabled and unable to return to work. In the event of death caused by an accident, the financial consequences for your loved ones could be devastating.

A personal accident plan provides you with a lump sum cash payout, helping you and your family cope with the financial burden should any of these unfortunate events happen. Accident plans tend to be very affordable. If you have a limited budget, it is recommended that you at least try to ensure that you and your family are covered in case of accidents.

Accidents were the number one cause of hospitalisation in Singapore in 2008*

This plan provides cash payouts to help you cope with life changes which may come about as a result of an accident. The plan insures against accidents suffered in Singapore, or overseas, and provides protection against accidental death and dismemberment, total and permanent disability, and injury requiring medical attention or hospitalisation.


AIA PAL offers you four flexible plans to choose from. The benefits shown below represent coverage provided under the Executive plan which provides a basic Insured Amount of S$150,000 for Accidental Death, Dismemberment or Loss of Sight.

Coverage for Accidental Death, Dismemberment or Loss of Sight
In the event of an accident which results in Accidental Death, Dismemberment or Loss of Sight, the plan pays out a percentage of the S$150,000 Insured Amount, up to 150% (i.e. up to S$225,000). Payouts for accidents of this type may be doubled (i.e. up to S$450,000) if the accident occurs while you are traveling in a private vehicle, or tripled (i.e. up to S$675,000) if you are a fare-paying passenger on public transportation when the accident occurs. The percentage payable is determined by the nature of the loss suffered and a full schedule of qualifying events is detailed in the Product Summary.

Receive up to S$150,000 in the event of Permanent Total Disability
If, within one year of an accident, you suffer Permanent Total Disability you will be eligible to receive a cash payout of up to S$1,500 per month for up to 100 months. A waiting period may apply before benefits are received, and no benefits of this type are payable if you have already made a claim under the accidental death, dismemberment or loss of sight category.

Receive reimbursement for your medical expenses
In the event of injury, you will be reimbursed for medical expenses incurred within one year from the date of the accident, up to S$10,000 (or up to $20,000 if you are injured and receive medical treatment while overseas). You may also receive reimbursement for treatment in Singapore by a registered Chinese Bonesetter, Acupuncturist or Chiropractor, up to a maximum of S$500 per accident.

Enhance your protection with optional emergency evacuation and repatriation coverage
Should you meet with a serious accident or illness whilst abroad, you may need expert medical assistance or emergency evacuation to the nearest medical centre or Singapore for treatment. The plan will pay for the cost of emergency evacuation service including transportation, medical services and medical supplies incurred up to S$100,000. In the event of an accidental death while abroad, the plan will pay for the transfer of the mortal remains of the Insured back to Singapore or the Home Country.

*Source: MOH website – Accidents, poisoning and violence are the leading cause of hospitalisation in Singapore as measured by number of discharges 2008.

Important Notes:

This insurance plan is underwritten by AIA Singapore Private Limited (AIA). All insurance applications are subject to AIA’s underwriting and acceptance.

This is not a contract of insurance. It is intended only to be a simplified description of the product features applicable to this plan and is not exhaustive. The contents of this product summary may vary from the terms of cover eventually issued. Please refer to the actual policy contract for all terms and conditions. For the avoidance of doubt, only the terms and conditions as appear in the policy contract will bind the parties.

Please Note: It is usually detrimental to replace an existing accident and health insurance policy with a new one. A penalty may be imposed for early policy termination and the new policy may cost more or have less benefits at the same cost.