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PA Assurance

Income is here to protect you and your family’s well-being, anytime and anywhere

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Travel with peace of mind, for your holidays.

Get 40% off your child’s premium2 if either he or she is insured under the same policy with either you or your spouse!

About PA Assurance

PA Assurance3 offers you coverage against hefty medical costs incurred in the event of an accident anywhere in the world1. You can also enjoy flexibility in enhancing your protection for coverage against 21 infectious diseases4, giving you added assurance for complete peace of mind.

What you will be covered for

Infectious diseases coverage4

Opt for infectious disease coverage against 21 infectious diseases4, including Zika Virus.

Permanent disability coverage

Payout of up to $1,500,0005 for permanent disability due to an injury caused by an accident.

Medical expenses coverage

Receive up to $20,0006 for medical expenses for injury due to an accident.

Physiotherapy and home modification

Recovery care such as physiotherapy and home modification expenses arising from an accident will be covered.

Child Support Fund

Receive up to $35,0007 in the event of death due to an injury caused by an accident to help support your dependent children’s future educational needs.

  1. You will be covered while you are in Singapore. You will also be covered if you are away from Singapore for no more than 180 days in a row at a time from the date of departure from Singapore.
  2. Plans 1 and 2 cover only children who are:
    • under 18 years of age; or
    • under 25 years of age, unmarried and not on full-time employment, and are primarily dependent on the policyholder for maintenance and support. For example, full-time students or national servicemen.
  3. You can sign up for this plan if you hold a valid Singapore identification document and are between 15 days old and 65 years old. We may continue cover for you up to 75 years old and we may apply new terms; depending on our decision.
  4. This plan does not cover infectious disease diagnosed within 14 days from the policy start date as well as any infectious disease which has been announced as:
    1. an epidemic by the health authority in Singapore or the Government of the Republic of Singapore; or
    2. a pandemic by the World Health Organisation (WHO), from the date of such announcement until the epidemic or pandemic ends.
  5. This benefit limit is applicable under Plan 4. It is subject to the scale of compensation as shown in the Policy Contract. We pay this benefit if you become permanently disabled within 12 months from the date of accident.
  6. This benefit limit is applicable under Plan 4. We pay for the medical expenses for injury due to an accident up to the maximum benefit limit or up to a period of 12 months from the date of the accident, whichever comes first.
  7. This child support fund benefit limit is applicable under Plan 4. We pay this benefit if you suffer an injury and due only to this injury you die within 12 months from the date of the accident.

Dependent child(ren) means the insured person’s child(ren) who are:-
– under 18 years of age; or
– under 25 years of age; unmarried and not on full-time employment; and are primarily dependent upon the insured person for maintenance and support. For example, full-time students or national servicemen

More Details Less Details

Coverage

Check out our full coverage information:

Important Notes

This is for general information only. You can find the usual terms and conditions of this plan at www.income.com.sg/pa-assurance-policy-conditions.pdf. All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want. If you find that this plan is not suitable after purchasing it, you may terminate it within the free-look period, and obtain a refund of premiums paid. We may recover from you any expense incurred in underwriting this plan.
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 Income or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
Information is correct as of 31 May 2016.

Disclaimer: All insurance products underwritten by Income are contracts between the policyholder and Income. Read full disclaimer.

How to Apply

Income

Apply Now

Call us at

6781 7090 (press 2)
Monday to Friday, 9am to 6pm
Income
Call us at
6781 7090 (press 2)
Monday to Friday, 9am to 6pm

Table of Cover

Maximum benefit (S$) per insured person

Benefits

Plan 1

Plan 2

Plan 3

Plan 4

Section 1

Accidental death 

$100,000

$250,000

$500,000

$1,000,000

Section 2

Permanent disability (per policy year) 

$150,000

$375,000

$750,000

$1,500,000

Section 3

Medical expenses for injury due to an accident (per accident)

$2,000

$5,000

$10,000

$20,000

Section 4

Treatment by a Chinese medicine practitioner or a chiropractor (per accident)

$500

$750

$1,000

$1,250

Section 5

Mobility aids (per accident)

$2,000

$4,000

$5,000

$6,000

Section 6

Daily hospital income (per day; up to 365 days per policy year)

$100

$200

$300

$400

Section 7

Weekly cash (per week; up to 104 weeks in a row)

$100

$200

$300

$500

Section 8

Emergency medical evacuation and sending you home (per policy year)

$50,000

Section 9

Trauma counseling expenses (per policy year)

$5,000

Section 10

Child support fund

$5,000

$15,000

$25,000

$35,000

Section 11

Modifying your home (per lifetime)

$5,000

$10,000

$15,000

$25,000

Section 12

Ambulance fee (per accident)

$200

Section 13

Physiotherapy (per policy year)

$1,000

$2,000

$3,000

$5,000

Section 14

Diagnostic procedures and tests due to broken bones or fractures (per accident)

$1,000

$2,000

$3,000

$5,000

Optional Benefits – Infectious disease cover

Section 15

Death benefit for infectious disease cover

$100,000

$250,000

$300,000

$500,000

Section 16

Permanent disability for infectious disease cover (per policy year)

$100,000

$250,000

$300,000

$500,000

Section 17

Medical expenses for infectious disease cover (per infectious disease)

$2,000

$5,000

$10,000

$20,000

Section 18

Treatment by a Chinese medicine practitioner for infectious disease cover (per infectious disease)

$500

$750

$1,000

$1,250

Section 19

Mobility aids for infectious disease cover (per infectious disease)

$2,000

$4,000

$5,000

$6,000

Section 20

Daily hospital income for infectious disease cover (per day; up to 365 days per policy year)

$100

$200

$300

$400

Section 21

Weekly cash for infectious disease cover (per week; up to 104 weeks in a row)

$100

$200

$300

$500

Section 22

Emergency medical evacuation and sending you home for infectious disease cover (per policy year)

$50,000

Section 23

Trauma counseling expenses for infectious disease cover (per policy year)

$5,000

Section 24

Child support fund for infectious disease cover

$5,000

$15,000

$25,000

$35,000

Section 25

Modifying your home for infectious disease cover (per lifetime)

$5,000

$10,000

$15,000

$25,000

Section 26

Ambulance fee for infectious disease cover (per infectious disease)

$200

Section 27

Physiotherapy for infectious disease cover (per policy year)

$1,000

$2,000

$3,000

$5,000

Section 28

Diagnostic procedures and tests for infectious disease cover (per infectious disease)

$1,000

$2,000

$3,000

$5,000

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Benefits

Enjoy comprehensive coverage at affordable premiums.

Make room for more convenience and ease of mind for you and your helper. Now, you can look after your helper’s wellbeing without it being a financial burden. Our Domestic Helper Insurance offers comprehensive insurance coverage to ensure your helper is taken care of. You can also choose from various add-ons to ensure that your needs are taken care of.

Benefits at a glance

  1. Personal accident coverage1 for your helper
  2. Provides cover for your helper’s outpatient medical expenses2 due to injury
  3. Letter of Guarantee3 for your helper’s hospitalisation costs
  4. Local and emergency overseas hospitalisation4 insurance coverage for your helper
  5. Up to 90 days pre- and post-hospitalisation treatment coverage5 for your helper
  6. Courier service to assist with renewal and delivery of your helper’s insurance and work permit6 right to your doorstep
Example
An example to illustrate the additional hospital and surgical expenses benefits that your helper will be covered for if they take up the optional covers for their domestic helper insurance.
Your helper was admitted into a Singapore public hospital standard Class C ward with a total bill of $55,000.

Hospital Bill

S$

Total Hospital Bill
55,000
Basic plan with $15,000 hospital and surgical expenses cover (per year limit)
Total claimable under the policy limits
15,000
Income pays
15,000
Employer pays
40,000
Basic plan with $15,000 hospital and surgical expenses cover (per year limit) + additional $30,000 hospital and surgical expenses benefit7 (PER YEAR LIMIT)
Total claimable under the policy limits
45,000
Income pays
45,000
Employer pays
10,000
Basic Plan with $15,000 Hospital and Surgical Expenses Cover (Per Year Limit) + Additional $50,000 Hospital and Surgical Expenses Benefit7 (Per Year Limit)
Total claimable under the policy limits
65,000
Income pays
55,000
Employer pays
0
Hospital Bill S$

Total Hospital Bill

55,000

Basic plan with $15,000 hospital and surgical expenses cover (per year limit)

Total claimable under the policy limits

 15,000

Income pays

15,000

Employer pays

40,000

Basic plan with $15,000 hospital and surgical expenses cover (per year limit) + additional $30,000 hospital and surgical expenses benefit7 (PER YEAR LIMIT)

Total claimable under the policy limits

 65,000

Income pays

55,000

Employer pays

0

The example is based on the assumption that the helper has no pre-existing medical condition. The amount claimable under this benefit is subject to terms and conditions stated in the policy contract. The figures used in the example are for illustrative purpose only.

Important Notes

  1. The accidental death or permanent disability suffered by your helper due to an injury must happen within 12 months from the date of the accident. The amount of benefit payable is subject to the scale of compensation in the policy contract.
  2. This coverage applies up to 12 months from the date of the accident or up to the limit specified in your policy contract, whichever comes first.
  3. This Letter of Guarantee is only applicable if your domestic helper is hospitalised at a Singapore government restructured hospital, and is capped at a maximum limit of $10,000 per admission. Subject to individual hospital guidelines. Other terms and conditions apply.
  4. The final claim amount you will receive depends on the relevant pro ration factor applicable to the eligible hospital and surgical expenses being claimed.
  5. This is payable if your helper is admitted as an inpatient or for day surgery to treat an injury or sickness, provided we pay the hospitalization claim under the policy. Post-hospitalisation treatment coverage is only for the same injury or sickness your helper was hospitalised for.
  6. Renewal of work permit is done by NTUC Income Employment Agency (licence no. 96C5724).
  7. These are additional coverage for hospital and surgical expenses above the annual minimum coverage for inpatient care and day surgery prescribed by MOM
This is for general information only. You can find the usual terms and conditions of this plan at www.income.com.sg/domestic-helper-policy-conditions.pdf
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 Income or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
Information is correct as of 10 April 2019.
Disclaimer: All insurance products underwritten by Income are contracts between the policyholder and Income. Read full disclaimer.

Premium Rates

Monthly premium for Plus! Protect Classic

Age next birthday (years) Monthly premium1 for sum assured

$10,000

$50,000

$100,000

$150,000

$200,000

$250,000

$300,000

1 to 17

$1.55

$7.75

$15.50

$23.25

$31.00

$38.75

$46.50

18 to 30

$1.55

$7.75

$15.50

$23.25

$31.00

$38.75

$46.50

31 to 40

$1.70

$8.50

$17.00

$25.50

$34.00

$42.50

$51.00

41 to 45

$2.75

$13.75

$27.50

$41.25

$55.00

$68.75

$82.50

46 to 50

$2.75

$13.75

$27.50

$41.25

$55.00

$68.75

$82.50

51 to 55

$4.95

$24.75

$49.50

$74.25

$99.00

$123.75

$148.50

56 to 60

$9.00

$45.00

$90.00

$135.00

$180.00

$225.00

$270.00

61 to 63

$14.95

$74.75

$149.50

$224.25

$299.00

$373.75

$448.50

64 to 65

$14.95

$74.75

$149.50

$224.25

$299.00

$373.75

$448.50

66 to 68

$17.80

$89.00

$178.00

$267.00

$356.00

$445.00

$534.00

69 to 70

$20.30

$101.50

$203.00

$304.50

$406.00

$507.50

$609.00

Monthly premium for Plus! Protect Prime

Age next birthday (years) Monthly premium1 for sum assured

$10,000

$50,000

$100,000

$150,000

$200,000

$250,000

$300,000

1 to 17

$2.35

$11.75

$23.50

$35.25

$47.00

$58.75

$70.50

18 to 30

$2.40

$12.00

$24.00

$36.00

$48.00

$60.00

$72.00

31 to 40

$2.50

$12.50

$25.00

$37.50

$50.00

$62.50

$75.00

41 to 45

$4.20

$21.00

$42.00

$63.00

$84.00

$105.00

$126.00

46 to 50

$4.35

$21.75

$43.50

$65.25

$87.00

$108.75

$130.50

51 to 55

$6.50

$32.50

$65.00

$97.50

$130.00

$162.50

$195.00

56 to 60

$10.45

$52.25

$104.50

$156.75

$209.00

$261.25

$313.50

61 to 63

$17.05

$85.25

$170.50

$255.75

$341.00

$426.25

$511.50

64 to 65

$21.00

$105.00

$210.00

$315.00

$420.00

$525.00

$630.00

66 to 68

$38.95

$194.75

$389.50

$584.25

$779.00

$973.75

$1,168.50

69 to 70

$44.85

$224.25

$448.50

$672.75

$897.00

$1,121.25

$1,345.50

You can choose your sum assured in multiples of $10,000 from $10,000 up to $300,000 each for you, your husband or wife2 and your child3.
You can pay your premium either on a monthly or yearly basis and it will be deducted via your OCBC Plus! or NTUC Plus! Visa credit- or debit-card. If you wish to pay your premium on a yearly basis, the yearly premium will be the monthly premium multiplied by 12 months. Premium rates are not guaranteed and may be reviewed from time to time. The premiums that you pay are based on the sum assured and insured’s age next birthday. Premium rates will change when the insured enters a higher age band.

Important notes

1 Premiums must be paid using your OCBC Plus! or NTUC Plus! Visa credit- or debit-card. All coverage will end if you fail to maintain at least one OCBC Plus! or NTUC Plus! Visa card issued by OCBC Bank.

2 You and your husband or wife must be at least 16 years old at the point of application. The oldest you and your husband or wife can take up the policy is age 60 and coverage will end when you or your husband or wife reaches the age of 70.

3 Your child must be at least 15 days old at the point of application. The oldest your child can take up this policy is age 17. Your child’s cover will end when your child reaches the age of 25. This plan does not cover any claim or loss arising from insured taking part in full-time National Service.

Benefits

A home protection plan, exclusively designed to suit your needs.

We believe your home deserves the best protection. Protect what makes your house a home. For most people, their home is their greatest asset. That is why we have designed an insurance plan that protects you, your family and your home against unforeseen events.

Benefits at a glance

  1. Protection for your home including the building1, renovations2 and contents3
  2. Additional benefits such as personal accident and worldwide liability covering you and your family
  3. Flexible plans to suit your needs

Protection against unforeseen events

Enhanced Home Insurance protects your home against unforeseen insured events4 such as fire, theft, flood and even damage due to bursting of water pipes or tanks.

Choose a plan that suits your needs

Whether you are a homeowner or tenant, we understand that your home and personal contents are important to you. With Enhanced Home Insurance, you can enjoy the flexibility to choose the coverage amount you need for your building, renovations and contents.

Additional Benefits

For yours and your family’s added protection, our plan also covers the following benefits at no additional premium.
Benefit Maximum benefit limit ($)

Professional fees

10% of total benefit limit of building/renovations cover

Removal of debris

5% of the total benefit limit of building/renovations and contents cover

Temporary cover for new improvements

10% of the total benefit limit of building/renovations cover

Loss of rental income and extra hotel expenses
Extra hotel expenses

Overall section limit: 10% of the total benefit limit of building/renovations and contents cover
Sub-limit: Up to $350 a day

Conservancy charges

$1,000

Accidental breakage of mirrors and fixed glass

$1,000

Loss of or damage to contents while being temporarily removed from the premises

Overall section limit: 15% of the total benefit limit of contents cover
Sub-limit: $500 for each item

Loss of or damage to contents belonging to your domestic helper

$500

Replacing locks and keys

$500

Deterioration of food in the refrigerator

$500

Unauthorised transactions on your stolen atm or credit card

$1,000

Family personal accident
a. Adult aged 21 but under 70 years old
b. Child aged from 30 days to 21 years old

Overall section limit: $50,000
Sub-limit: $20,000 for each adult
Sub-limit: $10,000 for each child

Medical expenses for injury due to an insured event

$1,000

Family worldwide liability

$500,000

Loss of domestic pet

$500

Emergency cash allowance

$500

Stress payment

$300

  1. Building means the building structure (but not the foundations), fixtures and fittings based on HDB’s or the property developer’s standard specifications.
  2. Renovations means improvements and additions made within the premises by you or any previous owner or tenant in the form of fixtures and fittings. For example, this could include flooring, built-in wardrobes and kitchen cabinets. They do not form part of the building cover.
  3. Contents means any physical and movable household items or personal belongings including money and valuables kept within the premises that belong to you or your family members. But it does not include, amongst other items, motor vehicles, pets and items connected with your business or trade. Please refer to the policy contract for the exclusions and the benefit sub-limits for each type of content.
  4. Insured events means:
    1. Fire, lightning or explosion.
    2. Being hit by a road vehicle, train, animal, flying object or aircraft which you or your family members do not own or control.
    3. Actual or attempted theft as long as force and violence are used to get into or out of the premises. You must not leave the premises unoccupied.
    4. Bursting or overflowing of domestic water tanks, apparatus or pipes in your premises (but not damage to water tanks, apparatus and pipes and expenses for tracing the source of the leak). The premises must not be left unoccupied.
    5. Hurricane, cyclone, typhoon, windstorm, earthquake or volcanic eruption.
    6. Flood caused by water overflowing or escaping from its normal channels. This includes flood caused by the sea, windstorm, bursting or overflowing of public water mains or any other flow or build-up of water coming from outside the building structures.
    7. Riot, strike or malicious act.

Disclaimer

All insurance products are underwritten by NTUC Income Insurance Co-operative Limited UEN. No.S97CS0162D. Insurance products distributed through Plus! U herein are products of Income and are governed by contracts entered into between the policyholder and Income, and not with NTUC FairPrice Co-operative Limited, Link Loyalty Services Pte Ltd or OCBC Bank. Insurance products are not bank deposits or obligations of, or guaranteed by OCBC Bank. No representation or warranty whatsoever (including without limitation any representation or warranty as to accuracy, usefulness, adequacy, timeliness or completeness) in respect of any information (including without limitation any statement, figures, opinion, view or estimate) provided herein is given by Income, Plus! U, NTUC FairPrice Co-operative Limited, Link Loyalty Services Pte Ltd or OCBC Bank and it should not be relied upon as such. Income, Plus! U, NTUC FairPrice Co-operative Limited, Link Loyalty Services Pte Ltd and OCBC Bank do not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time. All information presented is subject to change without notice. Income, Plus! U, NTUC FairPrice Co-operative Limited, Link Loyalty Services Pte Ltd and OCBC Bank shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein.

All insurance policies are 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 Income or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).