Hi is it necessary to get personal accident plan?

Hi Anon,

I do personally think that accident plans are necessary. Not all insurances cover all forms of claims via accidents, but personal accident plans cover the biggest.

Also accidents are always unexpected, and it's always good to have for a preventive cause

I believe that they are many insurers doing personal accident from General Insurers, like Chubb, Sompo, FWD, etc to Life Insurers like Prudential, AIA, GE, etc. There might be certain variation in terms of coverages, so do reach out if you like to find out what Prudential has to offer as I also got it personally :)

Hi anon,

You can consider PA plans as part of your protection portfolio. A decent PA plan is generally very affordable and will allow you to claim for things such as TCM.

Look at your needs before committing (for example, for some people, decent TCM coverage is their focus when finding a PA plan, for others, it may not be the same)