Personal Accident Insurance | Buy PA Ease Online

Features

24/7 Worldwide coverage against accidental injuries
Get reimbursed up to $3,000 for medical expenses incurred for injuries due to accident
Covered against 24 Infectious Diseases including HFMD, Dengue, COVID-19 while in Singapore
Coma due to accidental injury up to $15,000
Free Extension coverage for Accidental Miscarriage, Food Poisoning, Insect/Animal Bites
Full coverage for children from as early as 1 month old*

*Coverage subject to premium payable per child

For full coverage information, please refer to PA Ease policy wording

BENEFITS AT A GLANCE (S$)
	Per Insured Person
Basic Cover Benefits Per Insured Adult	Plan 1	Plan 2	Plan 3
A. Accidental Death	$50,000	$100,000	$150,000
B. Permanent Disablement (per Policy Year)	$75,000	$150,000	$225,000
C. Coma (once per lifetime)	$5,000	$10,000	$15,000
D. Medical Expenses (per Accident)	$1,000	$2,000	$3,000
Sublimit for treatment by a Specialist at Specialist clinics and Physiotherapy	$500	$1,000	$1,500
E. Ambulance Fees (per Accident)	$100	$150	$200
F. Infectious Disease Cover (For Sections A to E)	Per section limits
Extensions
- Accidental Miscarriage - Disappearance - Exposure - Food poisoning - Full Terrorism Cover - Insect/Animal Bites - Motorcycling - Reservist Training - Riot, Strike, Civil commotion, Hijack, Murder and Assault - Suffocation by Smoke, Poisonous Fumes, Gas & Drowning

*List of covered Infectious Diseases
- COVID-19
- 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

Table of Compensation
Description	% of Sum Insured as shown in the Table of Cover
1. Permanent Total Disablement	100%
2. Total and permanent Loss of Sight of
- both eyes	100%
- one eye	50%
3. Loss of Sight of one eye, except perception of light	50%
4. Total loss of lens of one eye	50%
5. Total Loss of Hearing
- both ears	50%
- one ear	20%
6. Total Loss of Speech	50%
7. Total Loss of Speech & Hearing (both ears)	100%
8. Total loss by physical severance or total and permanent Loss of Use of
- two whole limbs or two feet / hands	100%
- one leg at hip or between hip and ankle	50%
- one arm at shoulder or between shoulder and wrist	50%
- one hand or one foot	50%
9. Total loss by physical severance or total and permanent Loss of Use of both thumbs and all fingers on both hands	100%
10. Total loss by physical severance or total and permanent Loss of Use of thumb and all fingers of one hand	50%
11. Total loss by physical severance or total and permanent Loss of Use of four fingers of one hand	40%
12. Total loss by physical severance or total and permanent Loss of Use of thumb
- both phalanges	25%
- one phalanx	10%
13. Total loss by physical severance or permanent Loss of Use of index finger
- three phalanges	15%
- two phalanges	10%
- one phalanx	5%
14. Total loss by physical severance or permanent Loss of Use of middle finger
- three phalanges	10%
- two phalanges	7%
- one phalanx	3%
15. Total loss by physical severance or permanent Loss of Use of ring finger
- three phalanges	10%
- two phalanges	7%
- one phalanx	3%
16. Total loss by physical severance or permanent Loss of Use of little finger
- three phalanges	10%
- two phalanges	7%
- one phalanx	3%
17. Total loss by physical severance or permanent Loss of Use of toes
- all toes of one foot	18%
- great, both phalanges	6%
- great, one phalanx	3%
- other than great, each	3%
18. Fractured leg or patella with non-union of leg	10%
19. Shortening of leg by at least five centimetres	10%
20. Third Degree Burns
a. Head - damage as a Percentage of Total Body Surface Area
- equals to or greater than 2% but less than 5%	50%
- equals to or greater than 5% but less than 8%	75%
- equals to or greater than 8%	100%
b. Body - damage as a Percentage of Total Body Surface Area
- equals to or greater than 10% but less than 15%	50%
- equals to or greater than 15% but less than 20%	75%
- equals to or greater than 20%	100%

For avoidance of doubt, We will not pay more than 100% of the section limit for any one Policy Year.

We will not pay for any Item under Section B if it forms part of a greater Item for which We are already making payment under Section B. If We are already paying for loss of use of a whole member of the body, We will not pay for parts of the member of the body.

In the event of an Accidental Death, We will deduct what We have paid out due to the same Accident under the Table of Compensation within the same Policy Year.

Premium

Auto Renewal via GIRO payment of annual premiums is available!
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	Annual Premium (Inclusive of GST)
	PLAN 1	PLAN 2	PLAN 3
Premium Per Insured Adult
GROUP A	$95.92	$154.78	$265.96
GROUP B	$130.80	$233.26	$327.00
Premium Per Insured Child	$47.96	$77.39	$132.98

Classification of Occupation
Group A - Occupations that are of administrative, managerial or clerical nature, or of outdoor or supervisory nature involving occasional manual work without the use of tools or machinery.
Examples Admin-based Personnel, Air Crew & Pilot (Off-duty cover only), Architect, Dentist / Doctor (Non-veterinary), Homemaker, Actor/Actress, Barber, Hairdresser, Florist, Factory Worker, Foreman (Non-construction), Insurance Agent, Property Agent, Magician, Nurse, Outdoor Sales, Surgeon, Unarmed Security Guard, Waiter/Waitress
Group B - Occupations that are manual in nature or involve the use of tools or machinery.
Examples Air Conditioner Repairman, Appliance Repairman, Baker, Chef, Carpenter, Contractor, Driver (with Class 3 license), Electrician, Gym / Fitness Instructor, Hawker, Maintenance personnel (Inspector, Supervisor, Technician), Painter (not working at heights above 30 feet), Plumber, Technician

Eligibility

Who can enroll in the policy?

The Insured Person must be:

the Policyholder, the Policyholder’s Spouse, or the Policyholder’s Child(ren);
between 1 month and 65 years old,
a Singapore Citizen, Singapore Permanent Resident or foreigner holding a valid Singapore identification document (employment pass, work permit, dependent pass, or student pass);
residing in Singapore; and physically absent from Singapore for no more than 180 consecutive days at any one time.

Child(ren) means the natural children, legal step-children and legally adopted children of the Policyholder who are between 1 month old and 21 years old on the Effective Date of Cover, and who are unmarried, unemployed and depend on the Policyholder for financial support. However, for a Child of the Policyholder who is enrolled in a full-time tertiary institution, the age limit for that Child will be extended to 24 years old.

FAQs

Am I covered against Infectious Disease while overseas?

No. Infectious Disease cover is only valid when diagnosed in Singapore. If you travel out of Singapore, there will be a 14 days waiting period from the date of return to Singapore.

Will I be covered for physiotherapy?

Yes, it is covered under Section D – Medical Expenses and subject to the limit and sublimit as stated in the policy wording. A referral letter from a Registered Medical Practitioner is required for physiotherapy reimbursement.

Can I claim for Traditional Chinese Medical (TCM) and/or Chiropractor treatment expenses?

No, TCM and/or Chiropractor treatments are not covered.

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)

Can I upgrade my plan midway through my PA Ease policy?

Plan upgrade can only be done upon renewal and subject to Sompo’s approval. Please contact Sompo’s Customer Service Hotline at +65 6461 6555 or email [email protected]

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

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

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)

Protect yourself and your loved ones against accidents and 24 infectious diseases including COVID-19 with PA Ease

PA Ease Insurance

Features

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BENEFITS AT A GLANCE (S$)

Table of Compensation

Premium

Classification of Occupation

Eligibility

FAQs

Important Notice

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