PA Ease (Plan 2) explained: benefits, limits and the fine print
Sompo's PA Ease Plan 2 pays S$100,000 on accidental death and covers 24 infectious diseases in Singapore. Here is what the published benefits actually mean, and what the policy wording governs.
PA Ease is Sompo's individual personal accident plan, sold in three tiers, Plan 1, Plan 2 and Plan 3, with the benefit amounts scaling up at each tier. Plan 2 sits in the middle of the range. According to the insurer's published product page, it is built around accidental injury cover that applies worldwide, paired with a defined list of infectious diseases covered specifically while the insured is in Singapore.
Plan type and price
PA Ease Plan 2 is an individual personal accident policy, meaning it is bought and held by one insured person rather than sold as a group scheme. The insurer's page lists a published annual premium of S$154.78 for an adult under Plan 2. Entry age runs from 1 month to 65 years old, and eligibility is split by occupation into Group A, broadly administrative or clerical work, and Group B, manual work involving tools, which is a common way personal accident insurers price risk by job type.
What the published benefits cover
Based on the insurer's product page, Plan 2 pays:
- S$100,000 on accidental death.
- S$150,000 for permanent disablement, which is a higher figure than the death benefit, reflecting how permanent disability benefits are often scaled against the degree of disablement assessed.
- S$2,000 of medical expenses reimbursement per accident, the amount available to cover treatment costs arising from a covered accidental injury.
- S$10,000 coma benefit, payable if the insured falls into a coma as a result of accidental injury.
- Cover for 24 infectious diseases, including dengue, hand, foot and mouth disease, and COVID-19, specifically while the insured is diagnosed in Singapore; this benefit does not extend to a diagnosis made overseas.
- Free extensions for accidental miscarriage, food poisoning, and insect or animal bites, included in the plan without an additional premium.
The product page notes daily hospital income is not published on that page, so anyone specifically interested in a per-day hospitalisation benefit should confirm directly whether Plan 2 includes one, since it is not among the stated benefits retrieved from the insurer's site.
Where cover applies
Accidental injury cover under PA Ease applies worldwide, 24 hours a day, which is a standard structure for personal accident insurance and means the death, disablement, medical expense and coma benefits are not restricted to Singapore. The infectious disease benefit, by contrast, is explicitly Singapore-only, a distinction worth noting for anyone who travels frequently and might assume the whole plan follows them overseas.
What governs if a figure differs
The insurer's product page is a summary. Sompo has published a policy wording document and a brochure specifically for PA Ease, and where a figure or condition in this article or on the product page differs from what those documents state, the policy wording is the one that governs a claim. Anyone relying on a specific benefit figure, an exclusion, or a claims condition should request or download the current policy wording before buying, since insurers can revise product pages and benefit tables over time.
What to check before choosing this tier
A few questions are useful whether you are looking at Plan 2 specifically or comparing it against Plan 1 or Plan 3:
- Is the medical expense limit enough for your likely claim? Most personal accident claims involve treatment for an injury rather than death or permanent disability, so this figure often matters more day to day than the headline death benefit.
- Does your occupation fall into Group A or Group B, and is it declared correctly? Misdeclaring occupation class can affect how a claim is assessed.
- Do you need cover for infectious disease diagnosed overseas? If you travel often, this plan's Singapore-only infectious disease benefit may need a separate travel policy to cover the same risk abroad.
Talk to an advisor
Whether Plan 2's benefit levels are the right fit, or whether Plan 1 or Plan 3 would suit your budget and risk better, is worth checking with someone who can compare the tiers against your occupation and circumstances. A licensed advisor can do this comparison for you. Use the portal's advisor matching to find one, or try our plan comparison to see PA Ease alongside other personal accident plans.
Sources
This content is educational information from a licensed advisor, not financial advice. Product details vary by insurer — verify specifics with an advisor.
