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

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Wherever you travel, pack some peace of mind.

PA Ease Insurance

Our personal accident plan focuses on providing you essential coverage for accidental injuries and 24 infectious diseases. Go about your daily activities with peace of mind knowing that you are covered for COVID-19.

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

Coverage

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!
Click to download Interbank GIRO Application Form.

Annual Premium (Inclusive of GST)
PLAN 1 PLAN 2 PLAN 3
Premium Per Insured Adult
GROUP A $94.16 $151.94 $261.08
GROUP B $128.40 $228.98 $321.00
Premium Per Insured Child $47.08 $75.97 $130.54

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 your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)

Please note that the online DBS/POSB IPP will no longer be available from 6 May 2021. However, customers who wish to apply for instalment payment for their insurance premiums of $500 & above with DBS/POSB or OCBC credit card may download our Credit Card Payment Form. Please submit the completed form to [email protected].

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