Hi. My agent recommended AIA SOLITAIRE PA (II) to me. he says can use to claim co-insurance if i hospitalised due to accident. Does accident plan cover co-insurance?

Hi anon,

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I'd like to elaborate on that statement.

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Soliatire PA (II) has a basic benefit which covers you for accidental medical reimbursement.

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This benefit DOES NOT require you to be hospitalized. You just need to (not that you would want to) seek medical treatment due to an accident.

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There is an additional coverage (which costs an additional amount as you have to add it to the main plan) whereby if you are hospitalized, you get a payout based on

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Daily Accidental Hospital Income Benefit

Daily Accidental Intensive Care Unit (ICU) Benefit

Ambulance Services Benefit

Broken Bones Benefit

Emergency Medical Evacuation and Repatriation Benefit

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Some of these are daily benefits, and some are one off payouts.

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What your agent probably means is that you can use the cash payouts to pay the co-insurance portion of your bill.

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It DOES NOT directly cover the co-insurance portion. So the statement your agent made is not entirely correct.

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Please be very clear on the limits of the claim.

I think what he meant or should have said is, if you got into an accident and hospitalised, you can claim the accident plan, and use the payout to pay for the co-insurance portion of hospital bill.

it may not fully cover co-insurance, as it will depend how much coverage you bought for accident plan.

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similar concept as using CI plan to pay for items not covered by shield plan.

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hope this helps.