facebookAviva Mindef Group Personal Accident Plan vs AIA Solitaire Personal Accident Plan - which is better? - Seedly

Anonymous

05 Jul 2020

Insurance

Aviva Mindef Group Personal Accident Plan vs AIA Solitaire Personal Accident Plan - which is better?

Hello, I’m a fresh graduate looking to reconsider my PA plan. Currently I have an AIA Solitaire PA plan that costs abt $16/month. However, given that my job will be of low risk (i.e. Office Job) and that I rarely play sports, is it worth switching my plan to the Aviva MINDEF plan given that it’s much cheaper ? Thank you.

Discussion (2)

What are your thoughts?

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Depends on what coverage you are looking for.

MINDEF Aviva PA coverage is very limited. It mainly coverage the large accidents that causes you to lose a limb or severe burns. Thats why its premiums is cheap.

For AIA PA, you have benefits like

  • Traditional Chinese Medicine/ Chiropractic Reimbursement Benefit (per accident)
  • Protection against a wide range of risks with extended coverage such as food poisoning, animal or insect bites leading to diseases such as dengue fever

For myself, I'm currently still NSF thus I've only gotten the MINDEF Aviva PA $600k. Since my medical is fully covered by SAF, I won't require the minor coverage for food poisoning etc. (A&E is 100% free for NSF) However, since I ride motorcycle, the Aviva PA is good if I get into accidents (touch wood).

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