Income PA Assurance
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Summary
Income PA Assurance Review 2024
- Income PA Assurance is a personal accident insurance that offers 4 tiers of plan, for different amount of sums insured from a basic S$100,000 to S$1,000,000 for accidental death.
- It has one of the highest permanent disability payouts at S$1,500,000 in the market.
- It also covers a large list of infectious diseases from Zika to HFMD and Dengue. Hence, this PA is suitable for individuals who are concerned about getting covered for infectious diseases.
Learn how Income PA Assurance takes care of you
- Receive up to $1,500,000 for permanent disability due to an accident.
- Receive up to $20,000 for medical expenses for injury due to an accident.
- Reimbursement for post-accident home modification and physiotherapy expenses incurred due to accidents.
- Coverage for chiropractors and TCM treatments in the event of an accident, including sports injury.
- Reimbursement for cost of diagnostic procedures and tests for broken bones or fractures due to an injury.
- Coverage for various types of professions as well as optional protection against 21 infectious diseases such as Hand, Foot, and Mouth Disease and Dengue Fever.
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Summary
Income PA Assurance Review 2024
- Income PA Assurance is a personal accident insurance that offers 4 tiers of plan, for different amount of sums insured from a basic S$100,000 to S$1,000,000 for accidental death.
- It has one of the highest permanent disability payouts at S$1,500,000 in the market.
- It also covers a large list of infectious diseases from Zika to HFMD and Dengue. Hence, this PA is suitable for individuals who are concerned about getting covered for infectious diseases.
Learn how Income PA Assurance takes care of you
- Receive up to $1,500,000 for permanent disability due to an accident.
- Receive up to $20,000 for medical expenses for injury due to an accident.
- Reimbursement for post-accident home modification and physiotherapy expenses incurred due to accidents.
- Coverage for chiropractors and TCM treatments in the event of an accident, including sports injury.
- Reimbursement for cost of diagnostic procedures and tests for broken bones or fractures due to an injury.
- Coverage for various types of professions as well as optional protection against 21 infectious diseases such as Hand, Foot, and Mouth Disease and Dengue Fever.
Plans (4)
PA Assurance Plan 4
$1,000,000
ACCIDENTAL DEATH
$500 / week
TEMPORARY DISABILITY
Up to $20,000
MEDICAL BENEFITS
$1,250
TCM & CHIROPRACTOR
4.2
27 Reviews
High to Low
Posted 26 Aug 2021
Purchased
PA Assurance Plan 1
[Claims Process] fairly easy to claim,fill up online forms [Insurance Coverage] Covers for the whole family, including dengue! Highly recommended0
What are your thoughts?22 Jul 2020
Purchased
PA Assurance Plan 4
I do not often make reviews, but honestly this has by far been the easiest, and fuss-free product which has benefited myself and my father through hard times. [Insurance Coverage] My father was diagnosed to be physically disabled to work a few years back by a local orthopedic surgeon. With NTUC Income, he was able to obtain the much needed reimbursement from his insurance coverage. The monetary assistance given by NTUC Income has allowed my family and I the leeway to pull through the first phase. My father was given a lump sum of cash in cheque, and also covered certain aspects of his treatments. [Claims Documents] There was honestly little hassle to get the documents that NTUC Income requires. All that was needed was a official certification by the doctor that my father was permanently disabled, through a written and stamped letter. It was just that simple!! [Little Hidden Terms] There were honestly little T&Cs that caught us off-handed. All the requirements that were needed to fulfill the conditions of claim were written clearly. There were the checklist of things such as the physical or daily activities that you are unable to perform, etc. We had a very clear understanding of what was required by NTUC Income. All in all, no regrets in taking up such a premium with NTUC Income, especially when it comes to issues such as insurance, it may often be cumbersome when you sign yourself up with the wrong company.. So do give NTUC Income a consideration!0
What are your thoughts?22 Jul 2020
Purchased
PA Assurance Plan 4
Good product from NTUC Income, value for money. Meets the needs of customers. Good service too, recommended!0
What are your thoughts?22 Jul 2020
Purchased
PA Assurance Plan 4
A good product and the claiming is process is easy. This product covers a wide range of hospitals both government and private0
What are your thoughts?22 Jul 2020
Purchased
PA Assurance Plan 1
Claims were able to be submitted seamlessly online, and were processed within 2 weeks (well above my expectations). A low cost plan which gives optimal protection against unforeseen accidents such as a fall at home, or an injury during exercises.0
What are your thoughts?20 Jul 2020
Purchased
PA Assurance Plan 1
Ntuc income, definitely a trustworthy branding to me as a first time buyer when i was 16. I visited a few different website and i find that NTUC Income was the easiest especially with their huge group of agent readily online for you to chat with. I bought the PA plan when i was 16, but due to unstable finance. I stopped after the first year. But after 3years (20yo), i whatsapp the same agent that help me bought my previous insurance, amazing she still remember me as a client and have my previous records on my insurance plans and everything was easy, just needed to pay for it.0
What are your thoughts?17 Jul 2020
Purchased
PA Assurance Plan 4
My agent is prompt in helping me to buy another PA when I miss my previous insurance renewal , help me to find the best that suits my need .0
What are your thoughts?16 Jul 2020
Purchased
PA Assurance Plan 4
[Customer Service] Agent is very good, taking good care of customers. [Agent Responsiveness] Agent is very Responsiveness and answers all queries readily.0
What are your thoughts?16 Jul 2020
Purchased
PA Assurance Plan 4
the process is seamless. I hurt my back previosuly and i am able to receive back the claim very fast.0
What are your thoughts?15 Jul 2020
Purchased
PA Assurance Plan 2
[Claims Process] I injured myself while travelling and consult a Doctor oversea and came back singapore need further consultation n medication. My agent was very helpful n process my claim with no issue. I receive my claim within 2 weeks!1
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Summary of Income PA Assurance Basic Coverage
Plan 1 | Plan 2 | Plan 3 | Plan 4 | |
|---|---|---|---|---|
Accidental Death | S$100,000 | S$250,000 | S$500,000 | S$1,000,000 |
Permanent Disability | S$150,000 | S$375,000 | S$750,000 | S$1,500,000 |
Medical Expenses | S$2,000 | S$5,000 | S$10,000 | S$20,000 |
Treatment by a Chinese medicine practitioner or a chiropractor (per accident) | S$500 | S$750 | S$1,000 | S$1,250 |
Mobility aids (per accident) | S$2,000 | S$4,000 | S$5,000 | S$6,000 |
Weekly cash (per week; up to 104 weeks in a row) | S$100 | S$200 | S$300 | S$500 |
More Benefits of Income PA basic coverage, and its maximum payout:
- Weekly Cash (per week; up to 104 weeks in a row): Up to S$500
- Emergency medical evacuation and sending you home: S$50,000 per policy year across all plans
- Trauma counseling expenses: S$5,000 per policy year across all plans
- Child Support Fund: Up to $35,000
- Home Modifications: up to S$25,000 per lifetime
- Physiotherapy: up to S$5,000 per policy year
- Diagnostic procedures and tests due to broken bones or fractures (per accident): up to S%5,000
- Ambulance fee: S$200
Benefit Extensions at no extra cost:
- Acts of terrorism
- Riot, strike, civil commotion, hijack, murder, assault
- Disappearance
- Exposure to natural elements
- Food poisoning
- Suffocation by smoke, poisonous fumes, gas or drowning
- Miscarriage due to an accident or infectious disease (only applicable if you have opted for infectious disease cover)
Optional Riders for Income PA Assurance
Infectious Disease Cover
This infectious disease cover enhances your coverage against 21 Infectious diseases including: Hand, Foot, and Mouth Disease, Dengue Fever, Avian Influenza, Zika Virus, MERS-CoV, Malaria, Tuberculosis and more.
The benefit parameters for Income PA Assurance's Rider, Infectious Disease cover are:
- Death benefit for infectious disease cover: S$100,000 to S$500,000
- Permanent disability for infectious disease cover: S$100,000 to S$500,000
- Medical expenses: S$2,000 to S$20,000
- Treatment by Traditional Chinese Medicine physician: S$500 to S$1,250 per infectious disease
- Mobility Aid: S$2,000 to S$6,000
- Daily Hospital Income: S$100 to S$400
- Weekly Cash Benefit: S$100 to S$500
- Emergency Medical Evacuation and sending you home: S$50,000 per policy year
- Trauma counseling: S$5,000
- Child Support Fund: S$5,000 to S35,000
- Home Modification: S$5,000 to S$25,000
- Physiotherapy: S$1,000 to S$5,000
- Diagnostic procedures and tests for infectious diseases: S$1,000 to S$5,000
As usual, the premiums for all Personal Accident Insurance depends on your occupation and age. Income covers 2 classes of occupations which they categorise as Group A and Group B.
Group A (approximate of Class 1 and Class 2 Occupations)
Professions or occupations of professional, administrative, managerial or clerical nature or occupations of outdoor nature or involving light manual work without the use of tools or machinery
Examples: Admin executive, auditor, lawyers, salespersons, managers, homemakers, domestic helpers, students, doctors, teachers, insurance agents, waiters, retailers etc
Group B (approximate of Class 3 and Class 4 Occupations)
Professions or occupations involving manual work with the use of tools or machinery or uniform professions involving security or defence work or whose work environment is in high altitude or of hazardous nature
Examples: Hawkers, cooks, drivers, painters, fitness/gym trainers, despatch, construction workers, commercial airline crews, national servicemen, policemen, prison wardens, steermen, security guards, carpenters, technicians, mechanics, veterinary surgeons, paramedics, life guards etc.
How Much is Income PA Assurance?
Here are Income PA Assurance's Annual Premiums, with and without the add-on.
Premium rates WITHOUT Infectious Disease cover
Occupation Group | Plan 1 | Plan 2 | Plan 3 | Plan 4 |
|---|---|---|---|---|
A | S$198 | S$417 | S$730 | S$950 |
B | S$428 | S$779 | S$1,235 | S$1,900 |
Annual Premium rates WITHOUT Infectious Disease cover
Premium rates WITH Infectious Disease cover
Occupation Group | Plan 1 | Plan 2 | Plan 3 | Plan 4 |
|---|---|---|---|---|
A | S$217 | S$480 | S$840 | S$1,092 |
B | S$492 | S$895 | S$1,420 | S$2,185 |
How To Claim From Income PA Assurance
- First, complete claims form from Income online
- Then prepare relevant supporting documents such as but not limited to:
Death certificate, police report, medical report, original medical reports etc - Submit your claims by email
- Remember to submit your claim as soon as possible, within 30 days from the date of the insured event(s).
- Claims would typically be settled within 10 working days is all required information/documents are received
- Do keep the original medical bills/receipts for six months.
Eligibility: Who Can Apply for Income PA?
- Age: 15 days to 65 years old
- Individuals with a valid Singapore identification document such as a Singapore National Registration Identification Card (NRIC), Employment Pass, Work Permit, Long Term Visit Pass or Student Pass
- If you are living or working in Singapore, or away from Singapore for no more than 180 days at any one time
Contact Income PA Assurance
- Visit Income Personal Accident Insurance website for more details.
- Customer Service: 6332 1133
- Personal Accident Claims: 6788 6616
- Personal Accident Insurance product purchase enquires: 6788 1111
Contact us at [email protected] should you require any assistance or spot any inaccuracies.
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Hi Lina.
Can i have the name & contact of ur NTUC agent?
Iam thinking of getting a policy from NTUC.
Best Regard,
Sebastian
[email protected]