Personal Accident Infectious Diseases Plan

Comprehensive worldwide protection for less than $10 per month

Enjoy additional FREE 3 months cover now!
Get 15% discount* when you sign up for a 3-year plan.
24-Hour Worldwide Cover For Personal Accident and Infectious Disease

Life is full of uncertainties. That is why financial protection for you and your loved ones is so important. For the first time in Singapore, NTUC Income offers Personal Accident AND Infectious Diseases cover in ONE policy!

You and your family can enjoy 24-hour, worldwide cover at less than $0.30^ a day!

Coverage

You will be covered against:

• Accident
• Terrorism cover
• Natural Disasters
• Strike
• 14 common Infectious Diseases
• Bird Flu
• Dengue Fever
• Hand, Foot and Mouth Disease (HFMD)
• Severe Acute Respiratory Syndrome (SARS)
• Mad Cow Disease
• Nipah Viral Encephalitis
• Japanese Viral Encephalitis
• Soil Disease
• Anthrax Infection
• Yellow Fever
• Legionnaires' Disease
• Malaria
• Rabies
• Plague

Premiums (inclusive of 7% GST)

Â	Plan 1	Plan 2	Plan 3
Benefits	Sum Assured
Death	$50,000	$100,000	$200,000
Total Permanent Disablement (TPD)	$50,000	$100,000	$200,000
Temporary Disablement	$50/day	$100/day	$200/day
Medical Expenses	$3,000	$5,000	$5,000
Age	Annual Premium Rate
16 to 65 years	$101.65	$182.97	$306.02
66 to 75 years	$142.31	$265.36	$468.66

Additional Coverage/Premium

You can increase the sum insured for death and TPD in multiples of $50,000 for Plan 3 only.

Age	Premium Rate
Up to 65 years old	$12.84 per $10,000 Sum Assured

Hassle-Free Underwriting

Unlike most life applications, no medical check-up is required. This plan is yearly renewable till age 75.

Benefits

Death
In the event of death arising from an accident or infectious disease, the compensation is a lump sum benefit payment, which is the sum insured in the policy.

Total Permanent Disablement
This benefit is with regards to total permanent disablement resulting from an accident or infectious disease. The compensation is in the form of a lump sum, as stipulated in a table of compensation. It varies from 100% to 2%, for different types of injury, such as total permanent disablement, loss of sight, hearing, limbs, fingers or toes.

Temporary Disablement
This benefit provides you an allowance for each day you are temporary disabled up to a maximum period of 100 days. To enjoy this benefit, your temporary disablement must be at least 7 consecutive days. This benefit is to compensate the insured for the loss of income during the period of his temporary incapacity. For example if you bought Plan 2, $100,000 policy and you are temporary disabled for 20 days, you will be paid $2,000 ($100 x 20 days).

Medical Expenses
PA+ID's medical expenses benefit provides for medical, surgical and/or hospital charges, arising from injury sustained from accidents or treatment for infectious diseases. The benefit is payable up to $3000 or $5000 depending on the choice of plan.

Main Exclusions

• pre-existing condition
• pandemic or epidemic
• professional sports and hazardous activity
• 14 days waiting period

Eligibility

1. Adult
   Age – 16 to 65 years old. (last entry age at 65 years old)
   Renewable from 66 to 75 years old.
   
   
2. All Insured Persons must be gainfully employed with a regular income.
   
   
3. All Insured Persons must be either
   • Singaporeans or
   • Singapore PRs or
   • Foreigners with valid work permit, employment pass or dependant’s pass.

Declined Occupations

Divers, marine salvage crew, navy crew, oil riggers, ship crew, stevedores, persons directly involved in the manufacturing or handling of explosives.