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

Buy Now or call 65 6461 6555

Wherever you travel, pack some peace of mind.

Personal Accident Insurance for Children

Safeguard your children with PAJunior, our personal accident insurance plan specially designed for children as young as 1-month-old. PAJunior covers medical expenses for accidents and 17 infectious diseases, including HFMD, dengue fever, ZIKA and measles.

Ensure your children are well-protected and be prepared for the unexpected.


  • Covers medical expenses for 17 infectious diseases, including HFMD, dengue fever, ZIKA and measles.
  • Medical Expenses coverage up to $6,000 per accident and $3,000 per Infectious Disease
  • 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: PAJunior Brochure


Benefits At A Glance (S$)

Benefits Per Insured Child Bunny Teddy Jumbo
A. Accidental Death and Permanent Disablement $10,000 $35,000 $50,000
B. Medical Expenses (per Accident) $1,500 $4,000 $6,000
Treatment by Chinese Physician and Chiropractor
(subject to $50 per visit)
$100 $150 $200
C. Education Fund
Pays upon accidental death of one or both parents
$5,000 $10,000 $15,000
D. Daily Hospitalisation Allowance (Accident)
Up to 200 days for any one accident
$50 per day $75 per day $100 per day
E. Ambulance Fee
Pays for emergency ambulance service to hospital where Insured Person 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. $2,000 $3,000
H. Daily Hospitalisation Allowance (Infectious Diseases)
Up to 200 days for any one occurrence
$75 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 and Enhancement
Pays for purchase or rental of Mobility Aid as prescribed by a Registered Medical Practitioner AND cost for modification of residence to aid mobility if the Insured Person suffers Permanent Disablement^
$1,000 $2,000
L. Monthly Financial Assistance Due to Major Permanent Disablement
Up to 24 months
$500 per month

^ only for Permanent Total Disablement, Total and Permanent Loss of both eyes, and Total and Permanent Loss of hearing in both ears.

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 hosptialisation or while recuperating at home following the discharge from hospital due to accident
$100 $300 $500
2. Transport Allowance
Pays a cash benefit of $20 per bill for
a) Hospitalisation due to accidental injury and
b) Each subsequent follow up visit
$40 per accident $60 per accident $80 per accident
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
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
  • Insect and Animal Bites 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 $152.60 $250.70 $354.25
2nd child onwards (same policy) – 10% discount $137.34 $225.63 $318.83


Who is eligible for cover under PAJunior?

Policyholder must be:
  • parent of the Insured Person(s);
  • a Singapore citizen, Singapore Permanent Resident or Foreigner with valid employment pass or work permit;
  • residing in Singapore and physically absent from Singapore for no more than 180 consecutive days at any one time.
Insured person must be:
  • dependent, unmarried and unemployed natural child, legal step-child and legally adopted child of the Policyholder;
  • above one month old to below 21 years old* (age limit extended to 25 years old* for those in full-time tertiary institutions);
  • residing in Singapore and physically absent from Singapore for no more than 180 consecutive days at any one time.
*Age next birthday


What is not covered by PAJunior?

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, and AIDS.

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.


1. Does the Child need to go for any medical examination?
No, your application will be assessed based on the health declaration made by you.

2. Is there a waiting period for Infectious Disease Cover?
Yes. There is a 14 days waiting period applicable from the first inception of cover.

3. 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

4. What happens if I have more than one PAJunior policy with Sompo?
The policy with the highest limit will respond to any claims made.

5. 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).

6. If my child is required to serve Full-Time National Service, is the PAJunior coverage still effective?
The policy will cover your child when he is officially off-duty. While he / she is not officially off duty, only Bonus Cover 5 - National Service and Reservist will apply (not applicable to Bunny plan).

7. Can I upgrade my plan midway through my PAJunior 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 us at [email protected].

8. Does the School Sports and Competition bonus cover provide additional coverage for medical expenses incurred?
No, it pays an additional lump sum amount for accidental death or permanent disablement (at least 75% of Section A sum insured must be payable) due to accidental injury sustained while participating in School Sports and Competition, as per the selected Teddy or Jumbo plan.

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 ( or or


  Online Help

  • You might also be interested in

  • Need more help from us

    Contact Us

For Assistance

65 6461 6555 Monday to Friday
9 am to 5 pm
(excluding weekends and public holidays)