Do I need personal accident insurance if I have health insurance?

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Generally, healthcare insurance like integrated shield plan provides reimbursement for medical bills only if the insured is hopsitalised, or for selected outpatient treatments.

More Details:

Integrated Shield Plan Singapore: A Starter's Guide

On the other hand, a personal accident plan provides medical reimbursement for accident and related injuries. Additionally, most plans extend thier cover to include insect bites, dengue fever, and the list continues.

Then comes the main point - for minor accidents, you won't be hospitalised (e.g. fracture). In this situation, integrated shield plan won't be helpful since the minimum condition for claim is not fulfiled. Accordingly, a personal accident plan will be able to cover such bills.

Therefore, personal accident plans are certainly a good consideration for your insurance portfolio.

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