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Sompo PA Star Personal Accident

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Summary

Sompo PA Star Personal Accident Insurance Review 2021

  • Sompo Personal Accident Insurance - PA Star - allows its customers to customise their plans with flexible limits and affordable premiums.
  • PA Star offers 5 plans from the cheapest to most premium: Standard, Deluxe, Elite, Elite 2, and Elite 6.
  • Permanent Disablement and Accidental Death covered up to $500,000 each
  • PA Star also offers a generous Medical Expenses coverage for up to 17 infections diseases including Hand, Foot, Mouth Disease (HFMD), Zika etc.
  • PA Star features special coverages like Marriage Bonus Allowance, Staycation & Ticket Cancellation, Full Terrorism Coverage
  • Sompo PA Star offers great coverage even for more niche areas, however, it is not offered for those with riskier lifestyles in Class 4 occupations
...see more

Summary

Sompo PA Star Personal Accident Insurance Review 2021

  • Sompo Personal Accident Insurance - PA Star - allows its customers to customise their plans with flexible limits and affordable premiums.
  • PA Star offers 5 plans from the cheapest to most premium: Standard, Deluxe, Elite, Elite 2, and Elite 6.
  • Permanent Disablement and Accidental Death covered up to $500,000 each
  • PA Star also offers a generous Medical Expenses coverage for up to 17 infections diseases including Hand, Foot, Mouth Disease (HFMD), Zika etc.
  • PA Star features special coverages like Marriage Bonus Allowance, Staycation & Ticket Cancellation, Full Terrorism Coverage
  • Sompo PA Star offers great coverage even for more niche areas, however, it is not offered for those with riskier lifestyles in Class 4 occupations
...see more

Plans (5)

Slide 1 of 5

PA Star Elite6

$500,000

ACCIDENTAL DEATH

$650 / week

TEMPORARY DISABILITY

Up to $7,000

MEDICAL BENEFITS

$1,000

TCM & CHIROPRACTOR

PA Star Elite2

$300,000

ACCIDENTAL DEATH

$350 / week

TEMPORARY DISABILITY

Up to $5,000

MEDICAL BENEFITS

$1,000

TCM & CHIROPRACTOR

PA Star Elite

$200,000

ACCIDENTAL DEATH

$200 / week

TEMPORARY DISABILITY

Up to $4,000

MEDICAL BENEFITS

$1,000

TCM & CHIROPRACTOR

PA Star Deluxe

$100,000

ACCIDENTAL DEATH

$100 / week

TEMPORARY DISABILITY

Up to $3,000

MEDICAL BENEFITS

$1,000

TCM & CHIROPRACTOR

PA Star Standard

$50,000

ACCIDENTAL DEATH

$50 / week

TEMPORARY DISABILITY

Up to $2,000

MEDICAL BENEFITS

$1,000

TCM & CHIROPRACTOR

PA Star Elite6

$500,000

ACCIDENTAL DEATH

$650 / week

TEMPORARY DISABILITY

Up to $7,000

MEDICAL BENEFITS

$1,000

TCM & CHIROPRACTOR

Reviews (5)

3.6

5 Reviews

5
2
4
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3
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1
0

      15 Sep 2020

      Purchased

      PA Star Deluxe

      [Claims Process] I seldom give reviews; but I am doing now one as I'm completely blown away how fast my PA claim is processed within a day! I submitted this morning via their online portal and this evening, Sompo just remibursed my claim to my bank acct. Good job, Sompo!

      0

      What are your thoughts?

      25 Jun 2020

      Purchased

      PA Star Standard

      I have been on this plan for years, it is great value for money ! Sompo has in recent years made the claim process alot simpler through their app. Claims processing speed is not great but it generally goes through. This plan also covers food poisoning which helps if you eat out alot.

      0

      What are your thoughts?

      Posted 21 Mar 2022

      Purchased

      PA Star Elite

      Good benefits and support in the end, but agent I signed up with was unfortunately very inexperienced and borderline unprofessional

      0

      What are your thoughts?

      Posted 06 Jan 2023

      Been a loyal Sompo customer for 3 years, but the experience has gone from bad to worse recently, resulting me in terminating my policy early. [Customer Service] All the way from claims processing to customer service, everyone is more than eager to throw the books at you by quoting Terms & Conditions all the time. [Claims Process] Claims Process is fully online, but with the recent years, the processing has been very slow.

      0

      What are your thoughts?

      15 Jul 2021

      Purchased

      PA Star Standard

      Had the PA for many years. Was good in the initial years with almost no question asked for straight forward claims. Last year did a claim and was met with slow response or reject for small variation(hand vs wrist) or no response at all. Quite sad that once a good company become a lousy one

      1

      What are your thoughts?

      SOMPO PA will never be my choice ever again. They are not flexible and simply reject claims without weighing the situation at all.

    Discussions (0)

      No Posts Found.

      Summary of Sompo PA Star Insurance Coverage

      Here is a summary of Sompo Personal Accident’s coverage:

      Plans

      Medical Expenses

      Accidental Death & Disability

      Weekly Income Benefit

      Mobility Aids Reimbursement

      Standard

      • Hospital: S$2,000
      • TCM & Chiropractor: S$1,000 per accident / $50 per visit
      • Individual: S$50,000
      • Double Indemnity S$100,000

      S$50

      S$2,000

      Deluxe

      • Hospital: S$3,000
      • TCM & Chiropractor: S$1,000 per accident / $150 per visit
      • Individual: S$100,000
      • Double Indemnity S$200,000

      S$100

      S$3,000

      Elite

      • Hospital: S$4,000
      • TCM & Chiropractor: $1,000 per accident / $150 per visit
      • Individual: S$200,000
      • Double Indemnity S$400,000

      S$200

      S$4,000

      Elite 2

      • Hospital: S$5,000
      • TCM & Chiropractor: $1,000 per accident / $150 per visit
      • Individual: S$300,000
      • Double Indemnity S$600,000

      S$350

      S$4,000

      Elite 6

      • Hospital: S$7,000
      • TCM & Chiropractor: $1,000 per accident / $150 per visit
      • Individual: S$500,000
      • Double Indemnity S$1,000,000

      S$650

      S$4,000

      Other Notable Benefits of Sompo PA Star

      1. Coverage for 17 Infections Diseases

      Sompo PA Star covers one of the most extensive lists of Infectious Diseases in PA with - 17 diseases from HFMD and Zika to Rubella.

      2. Daily Hospital Allowance

      from $50 to S$300 depending on your plan

      3. Family/ Parental Allowance

      per month from S$1,000 to S$3,000 depending on your plan

      4. Domestic Helper Cover

      $5,000 per policy period for all plans

      5. Staycation & Ticket Cancellation

      up to 2 events, S$100 per event

      6. Marriage Bonus Allocation

      S$100

      7. Free Extensions

      Covers: Accidental Miscarriage, Insect/Animal Bites, Civil Commotions, Suffocation (by Smoke, Fumes, Gas, and Drowning), etc.

      Sompo PA Star Extensions and Riders

      ID Booster providing Daily Hospitalisation Allowance (up to 60 Days)
      - Due to 17 Specified Infectious Diseases

      Education Fund for Insured Child(ren) upon Accidental Death of the Insured Self or Insured Spouse

      Parent’s Cover up to 4 parents including parents-in-law if both Insured Adults are covered under the same PA Star plan

      Standard

      S$50

      $25,000

      $25,000

      Deluxe

      S$100

      $25,000

      $25,000

      Elite

      S$150

      $25,000

      $25,000

      Elite 2

      S$200

      $25,000

      $25,000

      Elite 6

      S$300

      $25,000

      $25,000

      Classification of Occupation Groups

      Class 1
      • Persons engaged in indoor & non-manual work in non-hazardous places
      • Example: Barber / Hairdresser, Beautician, Tailor, Nurse, Dentist / Doctor / Surgeon (Non-veterinary), Indoor sales / Marketing, Software Engineer, Management with overseas travel less than 12 times a year, MINDEF Administrative Staff (Exclude field training), Home-maker, Retiree, Full-Time Students, Teachers.
      Class 2
      • Persons engaged in outdoor, supervisory or occasional manual work not involving the use of tools or machinery or exposure to any special hazards
      • Example: Chauffeur, Engineer (Excluding Software Engineer), Foreman (Non-Construction), Outdoor Sales / Marketing, Surveyor, Insurance Agent / Property Agent, Assembly Line Production Worker (Not using tools & machinery), Unarmed Security Guard, Laboratory Assistant, Management with overseas travel 12 or more times a year, Fitness / Gym Instructor, Chiropractor / Physiotherapist, Chinese Physician, Domestic Helper, Manicurist / Pedicurist
      Class 3
      • Persons engaged in manual work not of particularly hazardous nature but involving the use of tools or machinery
      • Example: Baker / Chef, Contractor, Carpenter (Not using machinery), Driver, Courier, Motor Repairer, Hawker/ Market Stallholder, Plumber, Technician, Veterinary Surgeon, Painter (Not involving work at heights)

      How Much Does Sompo PA Star Cost?

      Plans

      Class 1

      Class 2

      Class 3

      Standard

      S$144.45

      S$162.64

      S$288.90

      Deluxe

      S$192.60

      S$235.40

      S$460.10

      Elite

      S$310.30

      S$379.85

      -

      Elite 2

      S$455.82

      S$529.65

      -

      Elite 6

      S$746.86

      S$829.25

      -

      Annual Premium for SOMPO PA Star

      Eligibility: Who Can Apply for Sompo PA Insurance?

      • Age Limit: below 65 years old (*Note the policy ends when the insured reaches age 75)
      • Must hold a valid Singapore identification document that includes either a National Registration Identification Card (NRIC) Number or a Foreign Identification Number (FIN)
      • Must have never been refused to buy or renew any Personal Accident insurance, nor have their Personal Accident insurance ever been cancelled or voided by their insurer, and
      • Sompo's list of declined occupations that are deemed too high-risk:
        DECLINED OCCUPATIONS:
        Industrial workers using heavy machinery / woodworking tools and machineries: any occupation involving aviation activities; police force personnel, fire fighters; construction / unskilled workers; ship crew or workers on board vessels, stevedores, shipbreakers; occupations involving diving, platforms, oil and gas rig worker; offshore workers; work involving heights (exceeding 30 feet above ground or floor level) and / or works underground and travel beyond normal speed on land / or handling of hazardous chemical / electricity; professional sports teams; professional divers and jockeys; welders and the like, Crane operators.

      How To Claim Sompo PA Insurance

      • One can either call Emergency Assistance +65 6532 2522 or visit Sompo's website for online claims procedure
      • Claims must be made within 14 days of the accident
      • Documentation such as but not limited to, medical reports, evidence and police reports, etc are required to assess claims

      Contact Sompo

      • Contact Number: +65 6461 6555
      • Emergency Services: +65 6532 2522
      • Address: 05-01/06 Land Tower, Raffles Place, Singapore Land Tower, Singapore 048623

      Contact us at [email protected] should you require any assistance or spot any inaccuracies.