Personal Accident Insurance (300K limit) explained: benefits, limits and the fine print

FWD's Personal Accident Insurance is offered across three limit tiers — S$200,000, S$300,000 and S$500,000 — and the 300K tier sits in the middle of that range. Personal accident (PA) cover is built around a straightforward proposition: a payout tied to accidental death or disability, plus a set of related benefits, rather than the broader hospitalisation or critical illness cover an Integrated Shield Plan or CI policy provides.

What the plan covers

• S$300,000 for accidental death, the plan's headline benefit.
• S$300,000 for permanent disability, matching the death benefit at this tier.
• S$6,000 of accidental medical expenses, covering treatment costs arising directly from a covered accident.
• 24 infectious diseases covered, including COVID-19 and dengue by name, though the benefit for this category is structured differently from the main accident benefits — see below.
• Adventure sports included at no extra cost, a notable inclusion given that many PA and travel policies exclude or surcharge for adventure or extreme sports activities.

The infectious disease benefit's actual cap

FWD's page states that the infectious disease cover pays up to 50% of the plan's benefit limit for this specific benefit, capped at S$150,000. This is an important distinction from the plan's headline S$300,000 accidental death and disability limits: an infectious disease diagnosis does not trigger the full S$300,000 benefit, only up to the separately capped amount for that specific benefit. Anyone choosing this plan partly because of its infectious disease cover should size their expectations around the S$150,000 cap, not the plan's overall S$300,000 headline figure.

What the product page does not state

FWD's page leaves several details unpublished, explicitly marked as "not published on this page" in the underlying product data:

• The entry age range for applicants
• Which occupations are accepted or excluded
• Where geographically the cover applies (Singapore only, or extending overseas)

These are exactly the kind of details that determine whether the plan is even available to you, and they need to be confirmed directly with FWD or through a quotation rather than assumed from the general description.

Optional add-ons

FWD offers several optional enhancements on top of the base plan: daily hospital income, weekly temporary disability income, overseas medical expenses, and an enhanced permanent disability benefit. None of these are described as included at this 300K tier by default — each is available as an add-on, generally for an additional premium, so the base S$300,000/S$300,000/S$6,000/S$150,000 structure above is what you get without any add-ons.

What governs if there's a discrepancy

FWD publishes a product disclosure sheet (a sample product summary) and a separate policy wording document. Where the product page's summary and either of these documents disagree — for instance, on the precise list of the 24 infectious diseases, or on how the medical expenses benefit is calculated — the policy wording is what governs your actual cover, not the marketing page.

What a general buyer should check regardless of insurer

For any PA plan, whether from FWD or another insurer, the standard checklist applies: whether the death and disability limits are adequate relative to your income and dependants, whether any infectious disease or hospital income benefits are capped separately from the headline limit, whether your occupation is accepted at standard rates or would attract a loading, and whether the plan's geographical scope matches where you actually live and travel.

A note on currency

The details above reflect FWD's product page as retrieved on 21 August 2026. PA product terms, infectious disease lists and limits are reviewed periodically by insurers, so confirm the current details directly with FWD, or through the product disclosure sheet and policy wording, before relying on any specific figure here. This article does not suggest that this plan is the best, cheapest, or most suitable option for any particular buyer.

You can compare current personal accident plans at /compare/singapore/personal-accident.

Talk to an advisor

Whether the 300K tier, rather than FWD's 200K or 500K options, matches your actual protection need depends on your income, dependants and existing cover. A licensed advisor can confirm the unpublished entry age and occupation details directly with FWD and check whether any add-ons are worth including. Use the portal's advisor matching to find one who handles personal accident insurance, or ask our assistant to explain a specific benefit on this plan.

Sources

• Personal Accident Insurance | FWD Singapore