Hi! I was wondering what would VC recommend is a good PA plan for: -lower than average price -able to or high claims limit for physio or tcm -decent payout in the event of injury?

Hi there!

There are currently two plans that provide above average TCM and Physio coverage limits and/or have below average prices: FWD Personal Accident 100k and Income's Personal Accident Assurance Plan 1. FWD is around 55-60% cheaper compared to Income for all types of occupations (remember, your Personal Accident premiums change depending on what your job is). Therefore, if you are looking to maximise value with all your desired benefits, then FWD's S$100k plan is the better choice since it provides the same benefit limits for TCM (S$500) and Physiotherapy (S$1,000) and medical coverage (S$2,000) but also has higher benefits for home modification and ambulance fee coverage.​​​