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Income PA Guard

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  • Reviews (17)
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4.1
17 reviews
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Summary

Income Personal Mobility Guard Insurance

  • Income Personal Mobility Guard Insurance is basic personal accident insurance that offers 4 levels of coverages, ranging from S$100,000 to S$750,000 for Accidental Death, and S$150,000 to S$1,250,000 for Accidental Permanent Disability.
  • Income Personal Mobility Guard Insurance also covers Medical expenses for injuries, and expenses for alternative treatments like Traditional Chinese Medicine and chiropractic.
  • Any other benefits like mobility aids, weekly disability income, and daily hospital income are considered optional benefits that would require rider add-ons. The 2 add-ons available are Lifestyle Maintenance, and Hospitalisation Benefits.
  • Hence, Income Personal Mobility Guard Insurance standard covers (excluding add-ons) are suitable for single individuals without dependents., unlike its counterpart Income PA Assurance.
...see more

Summary

Income Personal Mobility Guard Insurance

  • Income Personal Mobility Guard Insurance is basic personal accident insurance that offers 4 levels of coverages, ranging from S$100,000 to S$750,000 for Accidental Death, and S$150,000 to S$1,250,000 for Accidental Permanent Disability.
  • Income Personal Mobility Guard Insurance also covers Medical expenses for injuries, and expenses for alternative treatments like Traditional Chinese Medicine and chiropractic.
  • Any other benefits like mobility aids, weekly disability income, and daily hospital income are considered optional benefits that would require rider add-ons. The 2 add-ons available are Lifestyle Maintenance, and Hospitalisation Benefits.
  • Hence, Income Personal Mobility Guard Insurance standard covers (excluding add-ons) are suitable for single individuals without dependents., unlike its counterpart Income PA Assurance.
...see more

Plans (4)

Slide 1 of 4

PA Guard Plan 4

$1,000,000

ACCIDENTAL DEATH

$500 / week

TEMPORARY DISABILITY

Up to $20,000

MEDICAL BENEFITS

$1,250

TCM & CHIROPRACTOR

PA Guard Plan 3

$500,000

ACCIDENTAL DEATH

$300 / week

TEMPORARY DISABILITY

Up to $6,000

MEDICAL BENEFITS

$1,250

TCM & CHIROPRACTOR

PA Guard Plan 2

$250,000

ACCIDENTAL DEATH

$200 / week

TEMPORARY DISABILITY

Up to $4,000

MEDICAL BENEFITS

$750

TCM & CHIROPRACTOR

PA Guard Plan 1

$100,000

ACCIDENTAL DEATH

$100 / week

TEMPORARY DISABILITY

Up to $2,000

MEDICAL BENEFITS

$500

TCM & CHIROPRACTOR

PA Guard Plan 4

$1,000,000

ACCIDENTAL DEATH

$500 / week

TEMPORARY DISABILITY

Up to $20,000

MEDICAL BENEFITS

$1,250

TCM & CHIROPRACTOR

Reviews (17)

4.1

17 Reviews

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10
4
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1
2

      20 Jul 2020

      Purchased

      PA Guard Plan 2

      The agent is super effective and professional. The claim is very prompt. The easiest and fastest compared with other company, based on my own experience.

      0

      What are your thoughts?

      19 Jul 2020

      Purchased

      PA Guard Plan 4

      [Claims Process]- My son had a fall when running with the cat at home.. He hurted his forehead and admitted to hospital to do some stitching..the claim process was fast and easy.

      0

      What are your thoughts?

      18 Jul 2020

      Purchased

      PA Guard Plan 3

      My agent was very helpful in explaining to me how to go about making the claim. The time when I made the claim to the time when I received the money was very fast. I did everything online and including the submission of hospital bills.

      0

      What are your thoughts?

      17 Jul 2020

      Purchased

      PA Guard Plan 1

      [Agent Responsiveness] I do not have agent or felt like I had any. Always used over the counter service or emails to the customer service and claims emails, it beats having an agent anytime. [Others] No one to hard sell products. I like NTUC income insurances. [Claims Process] I'm a genuine use and claims are always smooth and no annoying questions like other insurers.

      0

      What are your thoughts?

      16 Jul 2020

      Purchased

      PA Guard 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?

      15 Jul 2020

      Purchased

      PA Guard Plan 4

      Have been loyal customer to NTUC Income. Find their products usually more coverage and value for money. Easy to claim. [Agent Responsiveness] [Claims Process] [Policy Changes] [Insurance Coverage] [Hidden Terms]

      0

      What are your thoughts?

      15 Jul 2020

      Purchased

      PA Guard Plan 4

      The product is fit for purpose and your advisor is knowlegeable and able to explain the details very well. I have been a customer of Income for a long time and happy so far.

      0

      What are your thoughts?

      15 Jul 2020

      Purchased

      PA Guard Plan 4

      Agent was polite and good in communicating the insurance product. Because of CB information was given online and able to buy online too. Great coverage.

      0

      What are your thoughts?

      15 Jul 2020

      Purchased

      PA Guard Plan 4

      Great plan, great people, great company. Claim is hassle free & coverage is sufficient. Period of payment is fast too.

      0

      What are your thoughts?

      15 Jul 2020

      Purchased

      PA Guard Plan 4

      [Claims Process] Claim was smooth and straightforward. [Insurance Coverage] Affordable coverage for personal accident. Especially useful for medical expenses due to accidents.

      0

      What are your thoughts?

    Discussions (0)

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      Summary of Income Personal Mobility Guard Insurance Coverage

      Plan 1

      Plan 2

      Plan 3

      Plan 4

      Accidental Death

      S$100,000

      S$250,000

      S$500,000

      S$750,000

      Permanent Disability

      S$150,000

      S$375,000

      S$750,000

      S$1,125,000

      Medical Expenses

      S$2,000

      S$4,000

      S$5,000

      S$6,000

      Treatment by a Chinese medicine practitioner or a chiropractor (per accident)

      S$500

      S$750

      S$1,000

      S$1,250

      Summary of Income Personal Mobility Guard Insurance Coverage

      Optional Rider Add-ons for Income Personal Mobility Guard Insurance Coverage

      Lifestyle Maintenance

      (Benefit parameters illustrated are for the maximum sum insured, Plan 4)

      1. Mobility Aids (per accident) - up to S$3,000
      2. Weekly Cash (per week; up to 52 weeks in a row) - up to S$400
      3. Family Support Fund - up to S$200,000
      4. Re-employment Benefit - up to S$5,000
      5. Modifying your home (per lifetime) - up to S$25,000

      Optional Hospitalisation Benefits

      1. Daily Hospital Income (per day; up to 365 days per accident) - up to S$350
      2. ICU Triple Cover (per day; up to 30 days per accident) - up to S$1,050
      3. Emergency medical evacuation - S$100,000
      4. Ambulance Fee (per accident) - S$200
      5. Broken Bones or Fractures (per lifetime) - up to S$25,000

      Occupational Groups

      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 does Income Personal Mobility Guard Insurance Coverage

      The premium for Income PA Guard will be priced according to your occupation group:

      Main Benefits

      Optional Lifestyle

      Optional Hospitalisation

      Plan 1

      • A: $153
      • B: $283.60
      • A: + $61
      • B: + $113
      • A: + $36.40
      • B: + $67.40

      Plan 2

      • A: $269.30
      • B: $507
      • A: + $102.90
      • B: + $185.20
      • A: + $67.60
      • B: + $121

      Plan 3

      • A: $465.20
      • B: $822.70
      • A: + $172.30
      • B: + $304.50
      • A: + $103
      • B: + $182.40

      Plan 4

      • A:$632.30
      • B: $1,170.30
      • A: + $206.80
      • B: +$378.60
      • A: + $129.30
      • B: + $239.50

      How To Claim From Income Personal Mobility Guard Insurance

      • 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 Personal Mobility Guard Insurance?

      • 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 Personal Accident

      • 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.