Skip to main content
  • Search
  • AIA Singapore
  • Our Products
    • Life Insurance
    • Medical Insurance
    • Critical Illness Insurance
    • Disability Income Protection
    • Accident Protection
    • Savings
    • Investments
    • Platinum
    • Travel & Lifestyle
    • AIA Vitality
    • Employee Benefits
  • Life Matters
    • Planning For The Future
    • Living Healthily
    • Experiencing Life
    • Your Financial Needs Matter
  • About AIA
    • Our Leadership Team
    • Our Commitments
    • Careers
    • Media Centre
    • Awards
    • AIA Showreel
    • Our Top Awardees
    • MDRT Members
    • AIA Financial Advisers
    • AIA Brunei
  • AIA Vitality
    • About AIA Vitality
    • How It Works
    • Rewards & Partner Benefits
    • Join AIA Vitality
  • Help & Support
    • Contact Us
    • ONLINE PAYMENT WITH AIA PAY EZ
    • AIA HealthShield Support
    • AIA COVID-19 Support Programme
    • FAQs
    • Form Library
    • Submit a Claim
    • Notices To AIA Policyholders
    • AIA Funds Information
    • AIA Annual Fund Reports
    • AIA's Participating Fund Commentaries
    • Consumer Guides
  • My AIA
    • My AIA SG
    • My Rewards
    • AIA Altitude
    • Make Payment Online
    • Submit a Claim
    • Request HealthShield Pre-Authorisation
    • FSC Access
    • Bank Partner Access
    • FA Broker Partner Access
    • eBenefits
  • AIA Vitality
    Visit the AIA Vitality website
  • YOUR FINANCIAL NEEDS MATTER
    Explore our financial calculators and resources for your long term and short term goals at different life stages.
  • Recent Promotions
    Find out more about our latest campaigns and promotions
AIA
AIA Logo AIA Logo
  • Our Products

    Our Products

    Find our products and services according to your protection needs.

    See more
    YOUR FINANCIAL NEEDS MATTER

    Explore our financial calculators and resources for your long term and short term goals at different life stages.

    EXPLORE NOW

    Recent Promotions

    Find out more about our latest campaigns and promotions

    See more

    For Individuals

    For Business

    • Life Insurance

      Protect your loved ones’ future from life’s uncertainties

    • Medical Insurance

      Adequate coverage for medical bills so you can focus on getting better

    • Critical Illness Insurance

      Protect against the financial burdens of critical illness

    • Disability Income Protection

      Protect your ability to earn an income.

    • Accident Protection

      Be financially prepared for the unexpected

    • Savings

      Start planning early and fulfil your saving goals.

    • Investments

      Make your money work harder for you – your dreams matter

    • Platinum

      Plan your enduring legacy, and share it with the generations to come.

    • Travel & Lifestyle

      Cover your personal belongings from loss or damage

    • AIA Vitality

      AIA Vitality is one of the most comprehensive wellness programmes with a wide spectrum of tools and benefits that target different aspects of your health.

    • Employee Benefits

      Secure your company’s most important asset through our market-leading solutions

  • Life Matters

    Life Matters

    We take care of the matters of your life because your life matters

    VIEW ALL IN LIFE MATTERS
    • Planning For The Future

      Prepare for your lives ahead

    • Living Healthily

      Kick-start your journey to better health

    • Experiencing Life

      Live life to the fullest

    • Your Financial Needs Matter

      Explore our financial calculators and resources for your long term and short term goals at different life stages.

  • About AIA

    About AIA

    For almost a century, AIA has served the ever-changing needs of millions of people all across the Asia-Pacific region.

    Healthier, Longer, Better Lives

    • Our Leadership Team

      The Executive Committee and Board & Board Committees of AIA Singapore

    • Our Commitments

      Our healthy living initiatives, partnership with Tottenham Hotspur Football Club and more

    • Careers

      Explore opportunities to work at AIA

    • Media Centre

      News and information about AIA

    • Awards

      Check out our awards and achievements over the years.

    • AIA Showreel

      View videos that showcase AIA Singapore as a company

    • Our Top Awardees

      Presenting our top performers of FY2020

    • MDRT Members

      Presenting our top performers of FY2020

    • AIA Financial Advisers

      Who we are, what we do. Let's forge a partnership that lasts beyond a lifetime.

    • AIA Brunei

      Find out more about our branch office

  • AIA Vitality

    AIA Vitality

    AIA Vitality supports and motivates you every step of the way towards achieving your health goals. What’s more, get rewarded for healthy choices and earn points when you Get Active, Eat Well and complete Health Checks!

    Find Out More
    • About AIA Vitality

      AIA Vitality is a comprehensive programme that motivates you to keep fit and helps you to manage your health.

    • How It Works

      ​Discover how you can live a healthy lifestyle by staying active, eating well and maintaining good health with AIA Vitality.

    • Rewards & Partner Benefits

      Discover the rewards and benefits you have unlocked with your AIA Vitality points.

    • Join AIA Vitality

      Join us today, and get motivated to live a healthier, longer and better life!​

  • Help & Support

    Help & Support

    We strive to assist you for all your inquiries with high touch customer service.

    Contact AIA

    For Customer Support

    For Resource/Useful Links

    • Contact Us

      Cannot find the answer in our FAQ section? Contact us now

    • ONLINE PAYMENT WITH AIA PAY EZ

      Manage all your AIA payments from one convenient location

    • AIA HealthShield Support

      Quality Healthcare Specialist Partners exclusively for AIA HealthShield Gold Max customers

    • AIA COVID-19 Support Programme

      Support Programme to extend the grace period for payment of premiums due up to 180 calendar days for customers who are financially affected by COVID-19

    • FAQs

      Have a question? You may find the answer here

    • Form Library

      A selection of forms you can download, fill in and send back to us

    • Submit a Claim

      Need to make a claim? Learn more about the claim process.

    • Notices To AIA Policyholders

      Useful information for policyholders

    • AIA Funds Information

    • AIA Annual Fund Reports

    • AIA's Participating Fund Commentaries

    • Consumer Guides

  • My AIA

    My AIA SG

    Exclusive for AIA policyholders and Vitality members to conveniently access policy information, Vitality membership and rewards

    Register For My AIA SG

    If you are an AIA customer, and do not have a login, you can register for My AIA SG account here.

      Customer
    • My AIA SG

      My Rewards

      AIA Altitude

      Submit a New Request
    • Make Payment Online

      Submit a Claim

      Request HealthShield
      Pre-Authorisation

      Distribution
    • FSC Access

      Bank Partner Access

      FA/Broker Partner Access

      Employee Benefits
    • eBenefits

    My AIA SG

    Exclusive for AIA policyholders and Vitality members to conveniently access policy information, Vitality membership and rewards

    Register For My AIA SG

    If you are an AIA customer, and do not have a login, you can register for My AIA SG account here.

      Customer
    • My AIA SG

      My Rewards

      AIA Altitude

      Submit a New Request
    • Make Payment Online

      Submit a Claim

      Request HealthShield
      Pre-Authorisation

      Distribution
    • FSC Access

      Bank Partner Access

      FA/Broker Partner Access

      Employee Benefits
    • eBenefits

    Home

    My AIA Perks

    Logout

  • Search
  • Contact Us
    • Book an Appointment

    • Email Us

    • Call Us

      Open: 8:45am to 5:30pm, Mon - Fri

Planning For The Future
Prev | Next
  • {{title}}

    {{label}}
  • Why a Personal Accident plan is an important part of your insurance protection coverage


    Accident Insurance – Bicycle in Shadow

    A personal accident plan or PA plan is a type of general insurance that provides policyholders with financial support in the event of an unfortunate accident. As its name suggests, a personal accident plan is primarily meant for protection against accident-related complications, providing compensation for injuries, disabilities or death.

    In such an instance, you and/or your family would require financial assistance to continue enjoying a similar standard of living, even with the loss of your income. Even in accidents that are not as serious, injuries could prevent you from working for a period of time and leave you with medical bills that you cannot typically claim on your health insurance.

    Coverage provided by PA plans

    There are four main categories of coverage on personal accident plans:

    1. Death Benefits

    If you were to lose your life due to an accident, your family would typically receive a payout worth the insured amount.

    This would be on top of any life insurance you may have, and provide your family with greater financial security in your absence.

    2. Permanent and/or Partial Disability

    An accident may also cause a person to suffer permanent disablement or lose vital physical functions that may render him or her unable to earn an income or comparable income.

    If you were disabled from the accident, either permanently or partially, you would receive a payout. Such payouts can be put towards caring for both your medical and daily needs as well as for your family.

    Typically, there are also riders you can purchase which will provide for mobility aids reimbursement, home modification reimbursement and coverage for other potential expenditure you may incur after a serious accident.

    3. Temporary Disability

    Accidents, even if not serious, can result in temporary disability or leave you unable to work for a period of time. In such cases, personal accident coverage can also be put towards medical reimbursement.

    You may also be able to purchase additional riders to cover income replacement benefits.

    4. Medical Expenses and Hospitalisation Benefits

    You may also be able to claim certain outpatient and inpatient medical fees for your treatment. However, coverage under a personal accident plan may not be as comprehensive as health insurance coverage, and you should not rely on it to cover majority of your medical costs.

    On many personal accident plans, you may also be able to purchase additional riders for hospitalisation benefits. This comes in the form of a fixed daily allowance based on the duration of the hospital stay, ambulance services, broken bone benefit and/or medical evacuation and repatriation benefit.

    Why a PA plan is an important component of your overall insurance coverage

    Not everybody thinks that personal accident coverage is necessary or crucial. Some may even believe that personal accident insurance coverage is more suitable for individuals employed in high-risk occupations or by those partaking in risky day-to-day activities.

    This isn’t true as an accident can strike anyone. Even if you think that you have sufficient health or life coverage, there are several key benefits to being covered by a personal accident plan that you should consider.

    1. Accidents are not an “if” but a “when”

    Accidents can arise when you least expect it. It can happen because you are plain careless or by just being in the wrong place at the wrong time. Accidents are not just unpredictable and unexpected, but can expensive too.

    Your health insurance only provides coverage when you are hospitalised and for medical treatments. If you are unable to work after an accident, your emergency savings can be quickly wiped out. Hence, you should be prepared for such scenarios.

    2. Covers outpatient treatments

    An important benefit of a personal accident plan is the ability to claim medical reimbursement for certain inpatient and outpatient treatments, such as an MRI scan or a CT scan, which can be costly, after an accident. Unlike hospitalisation plans, personal accident plans do not require you to be hospitalised to be able to claim for certain treatments.

    You can view your personal accident plan as one that complements your health and life insurance coverage.

    3. Income benefits

    Accidents have the potential to impair a person’s ability to work, either on a long-term or short-term basis, or depress your future earning power.

    In such scenarios, a personal accident plan will be able to protect you from accident-related medical bills as well as provide compensation to make up for lost wages. This is through paying a daily hospitalisation benefit and/or a lump sum payout.

    4. Extensive coverage

    While nobody ever wishes to be struck with an accident that disables them. However, it is always better to be safe than to be sorry. Mild or serious disabilities that hinder your ability to generate an income will not be covered under your life insurance or health insurance.

    For life insurance, coverage is only applicable if you lose your life or suffer total and permanent disabilities. Health insurance only takes care of you when you are hospitalised, and do not provide lump sum payouts for you and your loved ones to tide through challenging financial situations.

    A personal accident plan, on the other hand, provides this peace of mind, enabling you to focus on getting better and bouncing back as quickly as possible. While Singaporeans also enjoy a national severe disability coverage under ElderShield (and CareShield Life in the future), the criteria for receiving a payout tend to be more stringent – losing three out of six ADLs (activities of daily living).

    Ensure sufficient personal accident protection

    As mentioned, a personal accident plan is not meant to replace your health or life insurance coverage. Rather you want to insure yourself with such a policy to cover potential gaps in your coverage that may leave you and your loved ones vulnerable to unpredictable scenarios in life.

    The AIA Solitaire Personal Accident Plan provides you with comprehensive coverage, providing financial support in the event of an injury, disability or death, giving you much needed peace of mind.

    Related Articles

    • YOUR INSURANCE PROTECTION GAP – HOW DIFFERENT INSURANCE POLICIES BRIDGE THE GAPS IN YOUR INSURANCE NEEDS
    • WHAT PROPORTION OF MY MONTHLY EARNINGS SHOULD GO INTO INSURANCE?
    • HOW MUCH DO I NEED TO TIDE MY LOVED ONES THROUGH?

    Recommended Products

    AIA Solitaire Personal Accident

    AIA SOLITAIRE PERSONAL ACCIDENT

    AIA Solitaire Personal Accident complements your existing medical insurance to help you cope with life changes after an accident.

    AIA Premier Disability Cover

    AIA PREMIER DISABILITY COVER

    Suddenly finding yourself unable to work due to a disability can have a devastating effect on your family’s financial security.

    AIA Pro Lifetime Protector

    AIA Pro Lifetime Protector

    AIA Pro Lifetime Protector is an affordable one-stop protection and investment solution that helps you stay on top of your changing needs.

    Get in touch

    What’s your name?*

    What's your mobile number?*

    What's your email address?*

    Are you an existing AIA Singapore customer?*

    Area of concern:

    Thank You

    Partial NRIC / Passport / FIN No.

    (last 4 characters)

    Date of Birth

    CONTACT AIA

    1800 248 8000

    1 Finlayson Green
    Singapore 049246
    View Details
    Marketing Consent

    BOOK AN APPOINTMENT

    GO TO

    AIA.COM

    Visit our corporate site to learn more about AIA.
    Go To
    CONTACT AIA

    1800 248 8000
     

    1 Finlayson Green
    Singapore 049246

    View Details

    BOOK AN APPOINTMENT

    GO TO

    AIA.COM

    Visit our corporate site to learn more about AIA.
    OUR INSURANCE PRODUCTS
    Life Protection
    Medical Protection
    Critical Illness Protection
    Disability Income Protection
    Accident Protection
    Savings
    Investments
    Platinum
    Travel and Lifestyle
    EXPLORE AIA
    Your Learning Buddy
    AIA Altitude
    Not Just Another Job
    AIA Vitality
    Sitemap
    USEFUL LINKS
    Recent Promotions
    AIA Funds Information
    FAQs
    Form Library

    This website uses cookies for the purpose of enhancing your user experience. You can find more information on the types of cookies we collect, what we use these for, and how to manage your cookie settings in our Cookie Policy and AIA Personal Data Policy (Singapore).

    ABOUT AIA
    Explore AIA
    Your Learning Buddy
    AIA Altitude
    Not Just Another Job
    AIA Vitality
    Sitemap
    OUR INSURANCE PRODUCTS
    Life Protection
    Medical Protection
    Critical Illness Protection
    Disability Income Protection
    Accident Protection
    Savings
    Investments
    Platinum
    Travel and Lifestyle

    This website uses cookies for the purpose of enhancing your user experience. You can find more information on the types of cookies we collect, what we use these for, and how to manage your cookie settings in our Cookie Policy and AIA Personal Data Policy (Singapore).

    USEFUL LINKS
    Recent Promotions
    AIA Funds Information
    FAQs
    Form Library

    Copyright © 2021 AIA Group Limited and its subsidiaries. All rights reserved.
    Terms of Use | AIA Personal Data Policy (Singapore) | Cookie Policy