Personal Accident

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Personal Accident Insurance

Your best protection against accidents is preparedness. And the best way you to do it is with a Personal Accident Plan. You can customise your own plan with flexible limits, affordable premiums and 24-hour worldwide protection. You can rely on us to put together the plan that ensures you do not become financially burdened if the unexpected happens.


  • Worldwide 24-hours protection against sudden, unforeseen & unexpected events
  • Treatment expenses from licensed Chinese Physicians, Acupuncturist, Bonesetters and Chiropractors up to S$1,000 any one accident
  • Full Terrorism Coverage
  • Weekly Income Benefit up to 104 weeks (due to Temporary Total Disablement or Partial Disablement)
  • Free Extension Coverage for Food Poisoning, Accidental Miscarriage, Insect / Animal Bites
  • Leisure Underwater Activities New


A. Accidental Death (Compulsory Section)
B. Permanent DisablementScale 2 benefits

Concise Permanent Disablement Table Of Benefits

See Permanent Disablement Table of Benefit complete benefit table Description of Permanent Disablement (PD) % of Capital Sum Insured Payable
Total And Permanent Disablement 100%
Total And Permanent Loss of All Sight in One or Both Eyes
Total Loss By Physical Severance or Total Permanent Loss of Use of
- Loss of one arm between or at shoulder to wrist
- Loss of one leg between or at hip to ankle
Total & Permanent Loss of
- Sight in one eye except perception of light or lens on one eye
Loss of Fingers or Toes or Phalanges From 3% to 50%
Total Permanent Loss of Hearing in One or Both Ears 20% / 75%
Total Permanent Loss of Speech 50%
Third Degree Burns From 50% to 100%
C. Weekly Income Benefits (due to Temporary Total Disablement or Partial Disablement, up to 104 weeks)
D. Medical Expenses (Limit any 1 accident)


  • Suffocation by smoke, poisonous fumes and drowning
  • Murder & Assault
  • Hijacking
  • Riot and Civil Commotion
  • Peacetime Reservist
  • Loss of limbs without actual physical severance
  • Accidental miscarriage
  • Traveling as a fare-paying passenger on licensed commercial aircrafts
  • Motorcycling
  • Recreational sports and activities such as roller-blading, snorkeling and wake-boarding
  • Treatment expenses from licensed Chinese Physicians, Acupuncturist, Bonesetters and Chiropractors up to S$1,000 any one accident
  • Insect/Animal Bite
  • Repatriation Expenses up to $2,000
  • Leisure Underwater Activities


Sompo's Personal Accident plan gives you worldwide 24-hour protection from unexpected occurrences at these affordable premiums.

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

Instalment Payment Plan 6 or 12 months 0% Interest fee Instalment Payment Plan is available! Simply complete and sign Credit Card Instalment Payment Plan Application Form and submit to our office with your application form.
Click to download Credit Card Instalment Payment Plan Application Form.

Important Notes
  1. The rates for Accidental Death (AD) benefits indicated above are valid for up to the Sum Insured as indicated below. Please refer to our office for quotation if you need higher coverage.
    Class 1 $500,000
    Class 2 $300,000
    Class 3 $100,000
    Retiree / Housewife / Full-time student above 21 years old $200,000
    Persons age 16 to 21 years old $50,000
  2. Sum Insured for Permanent Disablement should not exceed that of Accidental Death
  3. TTD and TPD are only available for persons who are gainfully employed. Maximum sum insured for TTD is $2,000 per week or up to 80% of the insured person's basic weekly salary or 1% of AD or PD benefit, whichever is lesser.
  4. Maximum sum insured for Medical Expenses is $10,000 or 5% of AD or PD, whichever is lesser.
  5. For policies issued under corporate / company name to cover a group of individuals or family units, the compensation payable in respect of death or disablement of the insured Persons travelling in the same conveyance at the same time shall be further subjected to a conveyance limit.
  6. Minimum Premium per policy is $53.50 (inclusive of GST)

Classification of Occupation

Persons engaged in indoor & nonmanual work in non-hazardous places
Persons engaged in work of an outdoor or supervisory nature or involve occasional manual work whose duties do not involve the use of tools or machinery or exposure to any special hazard
Persons engaged in manual work not of particularly hazardous nature but involving the use of tools or machinery
Examples - CLASS 1 Examples - CLASS 2 Examples - CLASS 3
  • Barber / Hairdresser
  • Beautician
  • Tailor
  • Nurse
  • Dentist / Doctor / Surgeon (Non-veterinary)
  • Indoor sales / Marketing (More than 50% in office)
  • Software Engineer
  • Management (Director, Manager, etc) with overseas travel less than 12 times a year
  • MINDEF Administrative Staff (No field training)
  • Home-maker
  • Retiree (More than 62 years old)
  • Full-Time Students (More than 16 years old)
  • Chauffeur
  • Decorator (Managing)
  • Engineer (Excluding Software Engineer)
  • Foreman (Non-Construction)
  • Outdoor Sales / Marketing
  • Surveyor
  • Insurance Agent / Property Agent
  • Assembly Line Production Worker (Not using tools & machinery)
  • Unarmed Security Guard
  • Laboratory Assistant (In schools and colleges)
  • Management (Director, Manager, etc) with overseas travel 12 or more times a year
  • Fitness / Gym Instructor
  • Baker / Chef
  • Carpenter (Not using woodworking machinery)
  • Contractor
  • Courier
  • Driver
  • Hawker / Market Stallholder
  • Motor Repairer
  • Painter (Not involving work at heights)
  • Plumber
  • Technician
  • Veterinary Surgeon

(Please refer to our office for approval) Commercial air crew and pilot, military personnel (excluding MINDEF administrative staff)

Industrial workers using heavy machinery / woodworking tools and machineries: any occupation involving aviation activities; police force personnel, fire fighters; construction / unskilled workers; ship crew or workers on board vessels, stevedores, shipbreakers; occupations involving diving, platforms, oil and gas rig worker; offshore workers; work involving heights (exceeding 30 feet above ground or floor level) and / or works underground and travel beyond normal speed on land / or handling of hazardous chemical / electricity; professional sports teams; professional divers and jockeys; welders and the like, Crane operators.


Who can enroll in the policy? 

Singaporeans, Permanent Residents or Foreigners with valid employment pass, work permit, dependent pass, student pass and long-term social visit pass between the age of 16 to 70 years old*, and domiciled in Singapore can apply. However, if you need to leave home for temporary residence oversea ranging from a few months to a few years, please contact our office for separate quotation.

*Age Next birthday


What are the exclusions?

Some of the major exclusions under this policy include:

  • War, self destruction
  • Non prescribed use of drugs
  • Intoxication
  • Insanity
  • AIDS , vulnerable disease.
  • Professional sports, underwater and other hazardous activities.
  • Private Aviation
  • Full Time Military Duty


Do I need to go for any medical examination?

No. You will be accepted based on your health declarations on the attached Application Form.

Are all Personal Accident plans the same?

Most likely not. You will need to look out for differences in Definitions, Extensions, Table of Benefits for Permanent Disablement and Exclusions. For example, our ‘Accident’ definition is wider than many other policies as it does not require the accident to be violent, visible or external.

What is this Free Look Benefit? Will I be entitled to premium refund if I need to cancel the policy?

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 claim has been made under the policy.

** This is 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

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