PAStar provides comprehensive coverage against accidents and 24 infectious diseases

Wherever you travel, pack some peace of mind.

Personal Accident Insurance

Protect yourself with personal accident (PA) insurance and embark on your active lifestyle with peace of mind! The pre-packaged plans of PAStar come with different limits that will meet your needs and budget.

Features

  • ENHANCED Expanded list of covered Infectious Diseases, now increased to 24 diseases, including Dengue Fever, Hand, Foot and Mouth Disease, Zika Virus and COVID-19.
  • ENHANCED Enhanced Infectious Disease coverage ‐ previously limited to Medical Expenses only ‐ now extended to include Accidental Death / Permanent Disablement, Daily Hospitalisation Allowance, and more.
  • ENHANCED Extended entry age ‐ now up to age 71 next birthday.
  • ENHANCED Child coverage now doubled ‐ from 25% to 50% of the parent's sum insured for selected benefits (or, where both parents are insured under the same policy, 50% of the lower of the two parents' sum insured), with all benefits capped at 50% of the Elite Plan sum insured.
  • Free child cover for up to 3 children when both parents are covered under the same Policy.
  • 24-hour worldwide protection against Accidents and 24 Infectious Diseases.
  • Coverage for cancellation of Staycations or Covered events Due to Hospitalisation.
  • Marriage Bonus Allowance of S$100.
  • Baby Bonus Allowance of S$100.
  • Free extended coverage for Food Poisoning, Accidental Miscarriage, Insect / Animal Bites and more.

For full coverage info: PAStar Policy Wording

Coverage

BENEFITS AT A GLANCE (S$)

Basic Cover
Benefits Per Insured Adult		DeluxeEliteElite PlusElite Max
A. Accidental Death and Permanent Disablement$100,000$200,000$500,000$1,000,000
B. Medical Expenses (per Accident)$3,000$4,000$7,000$7,500
Sub-limit for treatment by a Chiropractor or Chinese Physician$300 per Accident (up to $50 per visit) subject to max. $600 per Policy Year$600 per Accident (up to $100 per visit) subject to max. $1,200 per Policy Year
Sub-limit for treatment by a Physiotherapist (per Policy Year)$1,000 $1,500
C. Daily Hospitalisation Allowance (per day)
up to 365 days for any one Accident$100$150$300$400
D. Weekly Income Benefit (per week)
for temporary disablement up to 104 weeks in a row for any one Accident$300$500$1,000$2,000
E. Family/Parental Allowance (per month)
for 12 months in the event of Accidental Death$2,000$3,000
F. Re-employment Benefit
(upon ≥ 50% Permanent Disablement payment)$1,000$2,000
G. Personal Effects & Belongings
damaged as a result of an accident payable under the policy (per Policy Year)$300$400
H. Emergency Medical Evacuation & Repatriation
per Policy Year$50,000 per Insured Person subject to $100,000 in aggregate
I. Tuition Benefit for each Insured Child (per month)
for 12 months$200 $300
J. Mobility Aid
purchase or rental of Mobility Aid as prescribed by a Registered Medical Practitioner (per Accident)$3,000$4,000
Free Extensions
The extensions may be applicable for specific Sections only. Please refer to the policy conditions for the full details of the coverage.
- Accidental Miscarriage and Recuperation Cash Allowance
- Baby Bonus Allowance
- Cancellation of Staycation or Covered Event due to Hospitalisation
- Disappearance
- Domestic Maid
- Double Hospitalisation Allowance in ICU
- Double Indemnity for Accidental Death as A Passenger in a Public Transport
- Exposure
- Facial Disfigurement & Reconstructive Surgery
- Food Poisoning
- Full Terrorism Cover
- Full-Time National Service when off-duty
- Infectious Diseases*
- Insect / Animal Bites
- Leisure Underwater Activities
- Marriage Bonus Allowance
- Motorcycling
- No Claim Bonus
- Reservist Training
- Riot, Strike, Civil commotion, Hijack, Murder and Assault
- Suffocation by Smoke, Poisonous Fumes, Gas & Drowning
- Survivor Benefit (free 6 months policy extension)
- Trauma Counselling Expenses
BENEFITS per childDeluxeEliteElite PlusElite Max
A. Accidental Death and Permanent Disablement50% of parent’s Sum Insured based on the lower of the parent’s selected plan. Where Elite Plus or Elite Max plans are selected, benefits per child will be computed based on 50% of Elite Plan's Sum Insured.
B. Medical Expenses
C. Daily Hospitalisation Allowance
H. Emergency Medical Evacuation & Repatriation
J. Mobility Aid
OPTIONAL COVERS
ENHANCED BENEFITS per Insured Adult		DeluxeEliteElite PlusElite Max
K. Education Fund
for Insured Child(ren) upon Accidental Death of the Insured Self and/or Insured Spouse$25,000 per Policy Year
L. Parent’s Cover
Up to 4 parents including parents-in-law if both Insured Adults are covered under the same Policy$25,000 (upon Accidental Death / Permanent Disablement)

*List of 24 Specified Infectious Diseases
- Severe Acute Respiratory Syndrome (SARS)
- Dengue Fever / Dengue Haemorrhagic Fever
- Variant Creutzfeldt-Jakob Disease (vCJD) or ‘Mad Cow Disease’
- Nipah Viral Encephalitis
- Japanese Viral Encephalitis
- Malaria
- Pulmonary Tuberculosis
- Measles
- Rabies
- Melioidosis
- Hand, Foot and Mouth Disease (HFMD)
- Avian Influenza or ‘Bird Flu’ due to Influenza A viral strains H1N1, H5N1, H9N2, H7N7 or H7N9
- Chikungunya Fever
- Mumps
- Rubella
- Middle East Respiratory Syndrome (MERS)
- Zika Virus
- Anthrax
- Ebola
- Legionnaires’ disease
- Plague
- Yellow fever
- Cholera
- COVID-19

Permanent Disablement Table of Compensation

Description of Permanent Disablement (PD)
(Please refer to the policy wording for the full Table of Compensation) 		% of Sum Insured as shown in the Schedule
1. Permanent Total Disablement150%
2. Total and permanent loss of all sight of
- both eyes150%
- one eye100%
3. Total loss of speech50%
4. Total loss of speech and hearing in both ears150%
5. Total loss by physical severance or total and permanent loss of use of
- two whole limbs or two feet/hands150%
- one leg at hip or between hip and ankle100%
- loss of one arm at shoulder or between shoulder and wrist100%
- one hand or one foot100%
6. Total loss by physical severance or total and permanent loss of use of both thumbs and all fingers on both hands100%
7. Total loss by physical severance or total and permanent loss of use of index finger5% to 15%
8. Total loss by physical severance or total and permanent loss of use of little finger3% to 10%
9. Total loss by physical severance or total and permanent loss of use of toes3% to 18%
10. Fractured leg or patella with established 10% non-union of leg10%
11. Third Degree Burns50% to 100%

Premium

Auto Renewal via GIRO payment of annual premiums is available!
Click to download Interbank GIRO Application Form.

If you wish to apply for Elite Max plan, please call 6461 6555 for assistance.

Basic Cover
Section A to J including Free Extensions 		Annual Premium (Inclusive of GST)
DeluxeEliteElite PlusElite Max
Per Insured Adult
CLASS 1$196.20$316.10$720.49$1,106.35
CLASS 2$239.80$386.95$800.06$1,193.55
CLASS 3$468.70N.A.
Per Insured Child
If BOTH parents are covered under the same PolicyFree (Up to 3 Children)
If only ONE parent is covered under the Policy$47.96$80.66
Optional Covers
Per Insured Adult
K. Education Fund Per unit of S$25,000$27.25
L. Parent’s Cover Per Parent$32.70

Occupation Classification

CLASS 1
Persons engaged in indoor & non-manual work in non-hazardous places		CLASS 2
Persons engaged in outdoor, supervisory or occasional manual work not involving the use of tools or machinery or exposure to any special hazards 		CLASS 3
Persons engaged in manual work not of particularly hazardous nature but involving the use of tools or machinery
Examples - CLASS 1Examples - CLASS 2Examples - CLASS 3
- Admin-based Personnel (e.g. Assistant, Executive, Manager, Director)
- Air Crew & Pilot (Off-duty cover only)
- Architect
- Dentist / Doctor (Non-veterinary)
- Housewife / Homemaker
- Indoor Sales / Marketing (More than 80% in the office)
- MINDEF Admin Staff (Excludes field training)
- National Service Full-Time (Off-duty cover only)
- Nurse (Outpatient clinic)
- Software Engineer
- Student
- Teacher 		- Actor / Actress
- Barber / Hairdresser
- Florist
- Factory Worker
- Foreman (Non-construction)
- Insurance Agent / Property Agent
- Magician
- Nurse
- Outdoor Sales / Marketing
- Surgeon
- Unarmed Security Guard
- Waiter / Waitress 		- Air Conditioner / Appliance Repairman
- Baker / Chef
- Carpenter
- Contractor
- Driver (with Class 3 license)
- Electrician
- Gym / Fitness Instructor
- Hawker / Hawker Assistant
- Maintenance personnel (Inspector, Supervisor, Technician)
- Painter (not working at heights above 30 feet)
- Plumber
- Technician

Eligibility

Who can enroll in the policy?

You must be:

  • between 16 years and 71 years old,
  • a Singapore Citizen, Singapore Permanent Resident or expatriate or foreigner holding a valid employment pass, work permit, dependent pass, or student pass, and
  • residing in Singapore.

If you are studying or working overseas and provided you are not away from Singapore for more than 180 consecutive days, please contact Sompo for a separate quotation.

FAQs

Can I claim for medical expenses and TCM treatment as a result of sprain, strain, back pain or skeletal muscle injuries?

For you to be eligible to claim for medical expenses/TCM treatment, there must be an Accident which result in sprain, strain, back pain or skeletal muscle injuries and is not due to exercise or household chores or overuse of muscles.



If my injury is not visible, can I still claim for the medical expenses incurred for treatment of such injuries?

If all the conditions for the Medical Expenses benefit to be payable have been met, except for the definition of Injury solely because the harm or damage is not visible, we will pay 60% of the eligible claim amount in respect of such non-visible harm or damage.

The eligible claim amount mentioned above refers to the amount payable under the Medical Expenses benefit after applying all applicable requirements (including any time limits) and any applicable sub-limits, but before applying the section limit stated in the Policy Schedule.

Please note that the total amount payable under the Medical Expenses benefit shall not exceed the limit stated in the Policy Schedule for any one accident.



What are the 24 Specified Infectious Diseases covered under PAStar?

  1. Severe Acute Respiratory Syndrome (SARS)
  2. Dengue Fever / Dengue Haemorrhagic Fever
  3. Variant Creutzfeldt-Jakob Disease (vCJD) or ‘Mad Cow Disease’
  4. Nipah Viral Encephalitis
  5. Japanese Viral Encephalitis
  6. Malaria
  7. Pulmonary Tuberculosis
  8. Measles
  9. Rabies
  10. Melioidosis
  11. Hand, Foot and Mouth Disease (HFMD)
  12. Avian Influenza or ‘Bird Flu’ due to Influenza A viral strains H1N1, H5N1, H9N2, H7N7 or H7N9
  13. Chikungunya Fever
  14. Mumps
  15. Rubella
  16. Middle East Respiratory Syndrome (MERS)
  17. Zika Virus
  18. Anthrax
  19. Ebola
  20. Legionnaires’ disease
  21. Plague
  22. Yellow fever
  23. Cholera
  24. COVID-19


Can I submit a claim under Daily Hospitalisation Allowance if I am hospitalised for 2 consecutive days due to Dengue Fever?

Yes, if you are diagnosed with Dengue Fever or any of the other Infectious Diseases covered under the policy, and need to stay as an inpatient in a Hospital for more than 24 hours, you can submit a claim for our review.



Is there a waiting period before I can make a claim due to Infectious Diseases?

Yes. There is a fourteen (14) days waiting period applicable from the first inception date of cover for the insured person.



If I am required to serve Full-Time National Service, is the PAStar coverage still effective?

All claims arising directly or indirectly or in connection with Full-time National Service are not admissible. If you or the insured child are serving Full-Time National Service, the policy will extend to cover you or the insured child when you or the insured child are officially off-duty.



Do I need to go for any medical examination?

No, your application will be assessed based on the health declaration made by you.



Can I upgrade my plan midway through my PAStar policy?

Plan upgrade can only be done upon renewal and subject to Sompo's approval. Please contact Sompo's Customer Service Hotline at 6461 6555 or email [email protected] .



What happens if I have more than one PAStar policy with Sompo?

The policy with the highest limit will respond to any claims made.



Will my No Claim Bonus be affected if another insured person in the policy (e.g. insured spouse) made a claim?

Yes, the sum insured increment will be suspended for all insured persons in the policy for the next renewal if a claim is made during the policy year. However, the current accumulated sum insured will not be forfeited.



Is there any Free Look Period?

Yes, you can enjoy 14 days Free Look from the day you receive your insurance policy. If the policy is not suitable for you, you can arrange to cancel your policy within this period and receive a full refund on the payment made provided no claim has been made under the policy. (Not applicable to renewals)



What are the policy main exclusions?

Some of the policy main exclusions include medical conditions (except as provided for under the policy), pre-existing conditions, war, wilful and/or intentional act, non-prescribed use of drugs, intoxication, insanity, venereal disease, AIDS, childbirth, and specific occupations as stated in the policy wording. Cover for infectious diseases will cease if the infectious disease is declared as a pandemic or epidemic by the health authority in Singapore or the Government of the Republic of Singapore or by the World Health Organisation (WHO). Please refer to the Policy Wordings for the full set of terms and conditions.

Important Notice

Policy Owners’ Protection Scheme
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Us or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)