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NTUC Income PA Assurance Personal Accident Insurance
- Overview
- Reviews (24)
- Questions (0)
- More Details
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NTUC Income PA Assurance Review 2020
- NTUC 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.
4.5
24 Reviews
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Most Recent
- Updated on 27 Jul 2020đIt's all very nice the articles and pictures, on SM, unless of course One's policy is expired. Unfortunately, after 14 years, yes, my policy expired and no one informed me. In fact, your very friendly happy company, sent a most impersonal letter to say "a review our records indicates that you have ....... Hence please note that your DPS policy has expired on 14 May 2020." By the way, the letter was dated 15 May 2020. I find it hilarious that you remind clients to pay 1 or 2 months early, and for an expired and cancelled contract, 10 days after the expiry date. Is it because I'm not of any value now that you (as written in the letter) "are unable to invite me for further renewals"? Here's why NTUC Income does not deserve even a star. This letter requires no signature (I received this as an ending for my loyalty) But it does gives us pause to reflect.0 comments0Post
- Updated on 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 comments0Post - Updated on 22 Jul 2020[Customer Service] INCOME provided excellent customer service that helped me with details.She was able to connect me with her contact and within an hour the issue resolved. Thank you.0 comments0Post
- Updated on 22 Jul 2020
Purchased
PA Assurance Plan 1
My NTUC Income PA insurance is easy to renew. The annual premium has also remained the same for many years.0 comments0Post - Updated on 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 comments0Post
Summary of NTUC 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 NTUC 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 NTUC 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 NTUC 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. NTUC 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 NTUC PA Assurance?
Here are NTUC 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 NTUC Income PA Assurance
- First, complete claims form from NTUC 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 NTUC 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 NTUC Income PA Assurance
- Visit NTUC 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