Learn about insurance
Guides and explainers from our verified advisors. Understand what you're buying — then ask our assistant about specific products.
Personal Accident Insurance (300K limit) explained: benefits, limits and the fine print
FWD's mid-tier personal accident plan pays up to S$300,000 and covers 24 infectious diseases. Here is what the plan includes and what its page leaves unpublished.
Marcus Chen
Protection Plus (Gold) explained: benefits, limits and the fine print
MSIG's mid-tier personal accident plan pays S$150,000 on accidental death and covers up to three children free. Here is what Gold covers and where its ceiling sits.
Daniel
PA Assurance (Prestige) explained: benefits, limits and the fine print
Income Insurance's top personal accident tier pays up to S$1,000,000 on accidental death and S$1,500,000 on permanent disability. Here is what sits behind those headline figures.
Marcus
PA Assurance (Classic) explained: benefits, limits and the fine print
Income Insurance's PA Assurance Classic pays $200,000 on accidental death and up to $300,000 for permanent disability, with motorcycling covered at no extra cost. Here is what sits above and below it.
Daniel
Personal Accident Insurance (500K limit) explained: benefits, limits and the fine print
FWD's highest personal accident tier adds daily hospital income and weekly disability income as standard. Here is what the S$500,000 limit actually covers.
Marcus
Sports and PA insurance: marathons, cycling and martial arts
A personal accident policy that pays for a fall down the stairs does not automatically pay for a fall off a bike or a knockout in the ring. Here is what to check.
Daniel
PA insurance for seniors: cover for falls and fractures
A fall is one of the most common reasons an older person ends up in hospital, and personal accident cover pays out on accidents specifically. Here is what to check before buying.
Marcus
Infectious disease riders on PA plans: dengue, HFMD and more
Some personal accident plans now pay out for a defined list of infectious diseases as well as accidents. Here is how that benefit is typically structured and its limits.
Daniel
Weekly income benefit in a PA policy
Personal accident plans are best known for the lump-sum payout, but many also pay a weekly amount while an injury keeps you off work. Here is how that benefit is usually structured.
Marcus
PA plans for gig workers and delivery riders
Gig work and delivery riding carry real accident exposure, without an employer's work injury cover behind it. Here is what a personal accident plan is built to do about that gap.
Daniel
Personal accident cover for children: playground injuries to dengue
Children spend more time exposed to falls, sports knocks and mosquito bites than most adults. Here is what a personal accident plan for a child covers, and what usually needs a separate benefit.
Marcus
Accidental death and dismemberment: how the benefit scale works
A personal accident policy rarely pays a flat amount for every injury. Here is how the benefit scale that decides your payout actually works.
Daniel
PA Secure explained: benefits, limits and the fine print
Income Insurance positions PA Secure as affordable family cover for children 12 and under, but its public page discloses little beyond that. Here is what to ask for.
Daniel
Personal accident insurance: what it pays that life and medical do not
Personal accident cover overlaps with life and medical insurance but is not a duplicate of either. Here is exactly what it adds and why the gap matters.
Marcus
SilverCare Insurance explained: benefits, limits and the fine print
Income Insurance's SilverCare is a personal accident plan written for older adults, adding cover for shingles, H1N1 and 23 other infectious diseases. Here is what is published and what is not.
Marcus
PA Ease (Plan 3) explained: benefits, limits and the fine print
Sompo's top PA Ease tier pays a fixed benefit on accidental death or permanent disablement. Here is what the plan actually promises and where its limits sit.
Daniel
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.
Marcus