NTUC Income PA Guard Personal Accident Insurance Reviews and Comparison - Seedly
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NTUC Income PA Guard Personal Accident Insurance

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  • Reviews (16)
  • Questions (0)
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Personal Accident Insurance/NTUC Income PA Guard Personal Accident Insurance
Personal Accident Insurance/NTUC Income PA Guard Personal Accident Insurance

Unclaimed

This product has not been claimed by the company yet.

USER RATINGS

Ease of Claim

4.4

Agent Reliability

4.6

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

Details

NTUC Income PA Guard Review 2020

  • NTUC Income PA Guard 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.
  • PA Guard 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, NTUC PA Guard standard covers (excluding add-ons) are suitable for single individuals without dependents., unlike its counterpart NTUC PA Assurance.
Read More about NTUC Income PA Guard Personal Accident Insurance
Reviews (16)

4.3

16 Reviews

  • 5
    10
  • 4
    3
  • 3
    2
  • 2
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  • 1
    1

Read Review About...

Most HelpfulMost RecentLow to HighHigh to Low
  • Updated on 23 Jul 2020

    Purchased

    PA Guard Plan 4

    [Others] is comparatively expensive than other similar products are offered cheaper [Insurance Coverage] is quite comprehensive [Hidden Terms] None noticed so far
    0 comments
    0
    Post
  • Updated on 20 Jul 2020

    Purchased

    PA Guard Plan 4

    I think that there is more that can be improved especially on the claim process. Good to refer to what MSIG and AXA does for their insurance plan as a digital platform will make the claim process a lot easier and user friendly.
    0 comments
    0
    Post
  • Updated on 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 comments
    0
    Post
  • Updated on 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 comments
    0
    Post
  • Updated on 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 comments
    0
    Post
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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$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

Optional Rider Add-ons for NTUC PA Guard

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 NTUC PA Guard cost?

The premium for NTUC 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 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 Personal Accident

  • Customer Service: 6332 1133
  • Personal Accident Claims: 6788 6616
  • Personal Accident Insurance product purchase enquires: 6788 1111