PAJunior provides comprehensive coverage for your children against accidents and 17 infectious diseases

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Personal Accident Insurance for Children

Protect your precious children with PAJunior, our specially designed personal acccident (PA) insurance plan for children as young as 1 month old. You will receive a lump sum payment in the event of Accidental Death and Permanent Disablement. Medical expenses (including TCM) incurred due to accidental injuries are also covered.


  • Quarantined Allowance due to 17 Infectious Diseases including Hand, Foot, Mouth Disease (HFMD), Dengue Fever and ZIKA virus ENHANCEMENT
  • School Sports & Competition BONUS COVERAGE
  • Child Care & School Fee Subsidy up to $500 per accident BONUS COVERAGE
  • Daily Hospital Allowances Up to 200 days. (Accident & Infectious Diseases)
  • Free Extension coverage includes accidental Food Poisoning and Insect/Animal Bites.

For full coverage info: PA Junior Brochure


Benefits At A Glance (S$)

Benefits Per Insured Child Bunny Teddy Jumbo
A. Accidental Death $10,000 $30,000 $50,000
Accidental Permanent Disablement (PD) including $30,000 $100,000 $150,000
- Fractured Arms & Legs $3,000 $10,000 $15,000
- Third Degree Burns $30,000 $100,000 $150,000
B. Medical Expenses per Accident incurred in hospital or outpatient clinic including $1,500 $2,500 $3,500
- Treatment by Chinese Physician and Chiropractor $100 $150 $200
C. Education Fund
Pays upon accidental death of one or both parent
$5,000 $10,000 $15,000
D. Daily Hospital Allowance (Accident)
Pays for each day of hospitalisation due to accident up to 200 days
$50 per day $75 per day $100 per day
E. Ambulance Fee
Pays for emergency ambulance service to hospital where Insured is subsequently hospitalised due to a covered event
$100 $200 $300
F. Recuperating Allowance (Accident)
Daily cash allowance for each day of medical leave upon discharge from hospital up to 30 days
$20 per day $30 per day $50 per day
G. Medical Expenses (Infectious Diseases)
Pays for medical treatment due to any of the 17 Specified Infectious Diseases
N.A. $1,000 $1,500
H. Daily Hospital Allowances (Infectious Diseases)
Pays for each day of hospitalisation due to any of the 17 Specified Infectious Diseases up to 200 days
$50 per day $100 per day
I. Get Well Benefit (Infectious Diseases)
Pays daily cash allowance for each day of medical leave or quarantine under medical advice upon discharge from hospital due to any of the 17 Specified Infectious Diseases, for up to 14 days.
$30 per day $50 per day
J. Reconstructive Surgery due to Accident
a) Restoration or Reconstruction Surgery
b) Skin Transplantation
c) Re-attachment of severed fingers, toes and limbs
$10,000 $15,000
K. Mobility Aid Enhancement
Pays for purchase/rental of mobility aid, artificial limbs and hearing aids AND cost for modification of residence to aid mobility if the Insured suffered Permanent Disablement covered under Section A
$1,000 $2,000
L. Monthly Financial Assistance due to Accidental Permanent Disablement (up to 24 months) NEW $500 per month $500 per month

Bonus Cover

Benefits Per Insured Child Bunny Teddy Jumbo
1. Child Care & School Fee Subsidy
Reimburse any Child Care charges or School Fees incurred during hospitalisation and while recuperating at home due to an accident
$100 $300 $500
2. Transport Allowance
Reimburse the cost incurred to convey (via Public Transport) the Insured,
a) Home, on the day of discharge from hospital
b) For subsequent follow up visits
$150 $200 $300
3. School Sports & Competition
Additional Sum Insured in the event of Death or Permanent Disablement ( > 75% PD payment ) due to an accident while engaged in sports activities organised by the School, including Inter-School Competition as school representative anywhere in the world
N.A. $5,000 $10,000
4. Full Terrorism Cover Covered Covered Covered
5. National Service & Reservist Cover
Accidental Death or Permanent Disablement during Full-Time National Service and Reservist
N.A. $10,000 $15,000


  • Food Poisoning
  • Insects and Animal Bite that causes bodily injury through direct skin contact
  • Disappearance for > 1 year following sinking, wrecking or destruction of aircraft or conveyance that he/she is travelling on
  • Riot, Strike and Civil Commotion
  • Hijack, Murder and Assault
  • Suffocation by Smoke, Poisonous Fumes and Gas
  • Drowning


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

Premium per child (Inclusive of GST) Bunny Teddy Jumbo
Annual premium $85.60 $197.95 $288.90
2nd child onwards (same policy) – 10% discount $77.04 $178.16 $260.01


Who can apply for PAJunior?

Parents who are Singaporean, Singapore Permanent Resident or Foreigner with valid employment pass or work permit can apply as Policyholder. Eligible Child must be at least one month old to below 21 years old* who is dependent, unmarried and unemployed natural child, legal step-child and legally adopted child of the Policyholder. For those in full-time tertiary institutes, the age limit will be extended to 25 years old*. Both Policyholder and Child have to be residing in Singapore.

*Age next birthday 


What is not covered by PAJunior?

All insurance policies have exclusions. The main exclusions under this policy are war, self-destruction, non-prescribed use of drugs, intoxication, insanity, venereal disease, AIDS, pre-existing illness, professional sports, underwater or other hazardous activities, full-time military service, mountaineering or rock climbing. Cover for infectious disease is subjected to a Pandemic Alert Exclusion.


What are the 17 Specified Infectious Diseases covered under PAJunior?

They are:
  1. Severe Acute Respiratory Syndrome (SARS)
  2. Dengue Fever / Dengue Hemorrhagic Fever
  3. Variant Creutzfeldt-Jakob Disease (vCJD) or ‘ Mad Cow Disease’
  4. Avian Influenza or ‘Bird Flu’ due to Influenza A  viral strains H1N1, H5N1, H9N2, H7N7 or H7N9
  5. Nipah Virus Encephalitis
  6. Japanese Viral Encephalitis
  7. Malaria
  8. Pulmonary Tuberculosis
  9. Measles
  10. Rabies
  11. Melioidosis
  12. Hand, Foot, Mouth Disease (HFMD)
  13. Chikungunya Fever
  14. Mumps
  15. Rubella
  16. Middle East Respiratory Syndrome (MERS)
  17. ZIKA virus

Is there a waiting period for Infectious Disease Cover?

Yes. There is a 14 days waiting period applicable from the first inception of cover

How many PAJunior can I buy for my child?

You can apply for one PAJunior policy for each child

Does the Child need to go for any medical examination?

No. The Child will be accepted on the health declaration made by the Policyholder or the Child on the application form

Can we enjoy 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, no questions asked! Beyond the ‘Free Look’ period, we will refund you the balance premium after deducting our customary short-term premium or minimum premium provided no claims has been made under the policy. (Not applicable to renewals)

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 ( or or

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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