Personal Accident Insurance FAQ

To qualify for personal accident insurance from Singlife, you must meet the following criteria:

• You hold a valid NRIC(s) / FIN(s).
• You are aged between 16 and 70 years old.
• You have not previously been refused accident, financial protection, health, life or medical insurance, had special conditions imposed for insurance coverage, or had your policy cancelled or terminated.
• You are not engaged in duties involving heavy manual work or with exposure to extraordinary health, accidental or special hazard.

Yes. All it takes is 60 seconds or less for an immediate, no-obligation quote. Click here to get an instant quote. 

You may select the occupation class based on the description provided below as well as on the portal. At the moment, we provide insurance for anyone who falls under occupation class 1, 2 or 3 only.

Occupation class 1:
You are engaged in only indoor desk-bound administrative, clerical, executive, managerial or professional duties on land of a non-manual nature. E.g. Accountant, Actuary, Clerk, Dentist, Doctor, Housewife, Retiree, Salesperson etc.

Occupation class 2:
You are not in Class 1 and are engaged in duties on land involving light manual work without any use or control of machinery and with no exposure to extraordinary health, or accidental or special hazard. E.g. Hairstylist, Nurse, Storeman, Surveyor, Waiter etc.

Occupation class 3:

You are not in Class 1 or Class 2 and are engaged in duties or activities on land involving manual work with the use of tools or machinery and with no exposure to extraordinary health, accidental or special hazard. E.g. Chef, Driver, Fitness instructor, Plumber, Technician etc.

We do not provide insurance if you are engaged in duties involving heavy manual work or with exposure to extraordinary health, accidental or special hazard. 

If you are unsure of your occupation class or whether you are eligible to purchase, please call our Customer Services Department at 6827 9933 or contact us at [email protected].

The difference is in the maximum amounts payable per person in the event of a claim. Visit our product page and view the Summary of Cover and compare the amounts payable for each of the policy features, to help you choose the one that is right for you.

You can view the Summary of Cover and Policy Document on this page for details.

This policy automatically covers your children, as defined in the policy wording, for up to 30% of the applicable limits detailed on your Summary of Cover. There is no need to name your children under the policy. In the event of a claim, you will be required to produce any necessary supporting document(s) to support your claim.

No, we currently do not offer monthly payments.

To make a claim, please download our claim form, fill it in with full particulars and full facts of the claim including its occurrence, detailed circumstances and extent of loss, and submit it with any supporting documents as soon as reasonably possible but no later than 30 days after the incident. 

For general enquiries, please contact us at:
+65 6827 9933
Mondays to Fridays 08:45 - 17:30
(Excluding weekends and public holidays)

You may purchase personal accident insurance online or through our intermediaries.

Singlife Personal Accident insurance is underwritten by Singapore Life Ltd.

No. We do not apply no claims discount to personal accident insurance policies.

The policy will normally remain in-force for 12 months from the date of commencement and is automatically renewed in the subsequent years, as long as correct premiums are received in full. You should review the level of benefit that you have chosen on a regular basis to ensure sufficient coverage for your needs.

Extraordinary health hazard include places such as working underground, chemical materials, explosive materials etc. 

Accidental hazard will include working at any distance 9 metres above ground level, welding, wood/timber working, handling electrical parts etc.

Special hazard include occupations such as pilot, air crew, fireman, policeman whereby the nature of the job will expose individuals to certain hazardous conditions.

Temporary disablement is not covered under the standard policy package. However, if you have purchased the Weekly Temporary Disablement optional benefit, we will cover you for each complete 7-day period (up to 104 weeks) that you remain continuous disabled if you sustain any Accidental Injury that prevents you from attending to more than 50% of the normal duties of your gainful employment. Please refer to your policy wording for further details.

Mobility Aid / Ambulance Services Reimbursement / Home Modification are not covered under the standard  policy package. However, if you have purchased the Mobility Aid and Ambulance Services Reimbursement / Home Modification optional benefit, we will cover you for reimbursement of ambulance services incurred as a direct result of your accidental injury, any equipment prescribed by your attending doctor to aid mobility and/or the necessary cost of modifying your home to aid mobility. Please refer to our policy wording  for further details.

The following optional benefits are available:

• Weekly Temporary Disablement Benefit
• Mobility Aid / Ambulance Services Reimbursement / Home Modification

Please refer to our policy wording for further details.

Yes. If you satisfy the criteria for personal accident insurance listed in the Eligibility section above, you can purchase your insurance and make payment online. Once we confirm with you that we have collected your premium through our online payment gateway, you will have successfully purchased your policy. This should take a minute or two, and you will then be insured.

The policy covers you for disablements such as:

• Total paralysis
• Loss of sight
• Loss of limb(s)
• Loss of finger(s)
• Loss of toe(s)
• Loss of hearing
• Loss of speech
• Third degree burns

Please refer to our policy wording for further details.

The policy covers you for reimbursement of medical expenses incurred for treatment of your accidental injury. Please refer to our policy wording for further details.

The policy covers you for reimbursement of medical expenses incurred for physiotherapy treatment of your accidental injury by a physiotherapist as referred by a doctor. Please refer to our policy wording for further details.

Yes, the policy covers you while you are outside of Singapore for no more than 182 days in any year.

You are covered for any sports and leisure activities if you take part in them on a recreational basis. However, the policy does not cover the dangerous sports and leisure activities below:

• Any aerial activities (except hot air ballooning) including but not limited to bungee jumping, parachuting, paragliding, sky diving, free-flying, B.A.S.E jumping, and cliff jumping.
• Any underwater activities more than forty (40) metres in depth.
• Caving, potholing, rock climbing and mountaineering which involves using ropes or guides.
• Hiking, trekking (including mountain trekking), hill walking, or rambling above 3,000 metres.
• Any leisure or sports activities either as a professional or where you would or could earn or received remuneration, donation, sponsorship or financial rewards of any kind.
• Any leisure or sports activities where you are competing in or practicing for speed or time trial, sprint, or racing of any kind.
• You taking part in any leisure or sports activities where the following conditions are not met:

(i) You obey the rules (including wearing appropriate safety equipment) and regulations that was recommended by the operator and take necessary precautions as a reasonable person; and
(ii) You carry out such activities under the guidance and supervision of qualified guides and/or instructors of the operator where qualified guides and/or instructors are available.

The policy covers you for each complete 24-hour period, up to 365 days, that you are confined as an in-patient at a hospital for the sole purpose of treatment of your accidental injury. Please refer to our policy wording for further details.

The policy covers you for each complete 24-hour period, up to 30 days, that you are confined as an in-patient in the Intensive Care Unit (ICU) at a hospital for the sole purpose of treatment of your accidental injury. Please refer to our policy wording for further details.

Any individual can be insured under no more than one Singlife Personal Accident Insurance policy purchased online.

If the scheduled ship, aircraft or train you travel on is involved in an accident causing it to sink, be wrecked or disappear and

• we are informed of your disappearance within 90 days from the date of accident; and
• your body is not found within one year from the date of accident unless a court order or official death certificate has established your death; and
• there is sufficient evidence leading to the conclusion that you sustained an accidental injury causing your death,

we will pay for accidental death in accordance with the schedule of compensation under section 1, provided that any person to whom the benefit is paid signs an undertaking to inform and refund us the amount paid if You are subsequently found to be living.

If your accidental death, permanent disablement or accidental injury is caused by drowning or inhalation of smoke, poisonous fumes or gas, we will pay under the relevant section(s) up to the applicable limit detailed on the Summary of Cover. Please refer to our policy wording for further details.

The policy covers you for medical expenses incurred to treat animal or insect bites. However, medical conditions, illnesses, diseases, bacterial or viral infections arising from such bites are not covered (except for Dengue Fever and Zika Fever).

Yes, the policy covers you for treatment of food and drink poisoning at a hospital or by a doctor if you suffer from them as diagnosed by a doctor.

Yes, the policy covers you for accidental injury caused by act of terrorism, up to the applicable limit detailed on your Summary of Cover, provided you did not participate in or provoke such act(s) and you could not have avoided them. Please refer to our policy wording for further details.

Yes, and applicable to PA Standard and PA Plus plan only. The policy covers you for treatment of Covid-19 by a doctor in Singapore and subject to a 14-days waiting period from the policy inception date (except for renewal of the policy). However, we will not cover if you are travelling overseas against the travel advisory for non-essential travel or all travel issued by Singapore government. The policy does not cover for treatment of COVID-19 sought outside of Singapore. Please refer to our policy wording for further details.

Yes, we provide cover if you drive for hire / reward as an occupation under Occupation Class 3.

Yes, we provide cover under the policy as long as you drive in conformance to the Road Traffic Act.

For Singapore citizens and permanent residents, the NRIC number is on your Singapore Identity Card, e.g. S1234567A. For foreigners, the FIN number is on the green card issued to you by the Immigration & Checkpoints Authority in Singapore.

There is no need to inform us about your pre-existing medical conditions, but please note that they are not covered under the policy. Please refer to our policy wording for further details.

No. This policy automatically covers your children, as defined in the policy wording, for up to 30% of the applicable limits detailed on your Summary of Cover. There is no need to name your children under the policy. In the event of a claim, you will be required to produce any necessary supporting document(s) to support your claim.

In order for our Claims Department to be able to assess the admissibility of a claim, it would depend on the completeness and timeliness of submission of all supporting documents. If all documents are in order, we would be able to settle your claim within 30 days, subject to the prevailing insurance laws and other relevant laws governing estates.

Yes. If you are admitted to a hospital overseas due to an insured accident event, you are covered for any inpatient treatment up to the policy limit. You will need to settle the bill with the hospital first, then seek reimbursement from us upon return.

If, at the time of any claim arising under this policy, there is any other insurance covering the same loss, damage or liability, we will only pay our share of the claim. This condition does not apply to benefits under Section 1, Section 4, Section 5, Section 7 and, if applicable, Section 9 of the policy.

For more information, please refer to our Personal Accident policy document.

Yes. Our online payment process is fully secured. If you have any specific concerns, please call our Customer Services Department at 6827 9933.

Yes. If you wish to allow someone else to make the payment for you, they may enter their credit card details.

As part of the purchasing process, we will confirm that the transaction has been successfully completed and send a confirmation email to your designated address, with soft copies of your policy documentation.

We will send an email to your designated email address that contains a soft copy of your Singlife Personal Accident policy document, policy schedule, policy summary, summary of cover and receipt of payment. You can decide whether to print or store these on your computer. You can also download additional copies of your policy schedule and policy document online, by logging in to MySinglife.

Yes at any time you wish by logging in to MySinglife and printing whatever copies are required.

Please contact us at [email protected].

Please verify your credit card or payment details. Our portal is compatible with most browsers. If you still face problems, please call our Customer Services Department at 6827 9933.

At every renewal we reserve the right to review the terms, conditions and prices we offer you. If you have made any claim, this may affect what we offer you at that time.

Claims are paid on a reimbursement basis.

No.

You may write to us at [email protected] to cancel your personal accident policy.

Refunds will be credited to the original payment mode wherever possible within 14 working days.

You will be entitled to a refund of the premium paid pro-rated based on the period you have paid for but not received cover. 

For example, if you have purchased a policy at $100 for period 1 Jan 2015 – 31 Dec 2015 and wish to terminate the policy with effect from 15 Aug 2015, the refund will be $38.08.

You will not be entitled to a refund if you have made a claim or there has been an incident likely to give rise to a claim during the current period of insurance.

There is no need to worry about renewal as the policy will be renewed automatically for each policy year if all premiums are duly received by us, unless we receive cancellation instruction from you.

You need to inform us of any changes that could impact your cover. For example, you should immediately inform us of any claim, change of names or change of address, and/or any of the situations listed below.

• Change in any of your Occupation Class(es).
• You being refused accident, financial protection, health, life or medical insurance, imposed with special conditions or having your policy cancelled or terminated.

f you want to access your policy online, simply log in to MySinglife. From here you can choose to view your policies and make changes on your personal particulars.

Your first point of contact should always be to our Customer Services Department. You can email us at [email protected].

We will acknowledge receipt of your feedback within 3 working days whilst we look into the matter you raised. We will contact you for further information if required within 7 working days and provide you with a full reply within 14 working days.

If you are dissatisfied with our response, we will refer you to an independent dispute resolution organization; the Financial Industry Disputes Resolution Centre Ltd (FIDReC).

FIDReC's contact details are: 

Financial Industry Disputes Resolution Centre Ltd. 
36 Robinson Road 
#15-01 City House 
Singapore 068877 

Telephone : 6327 8878 
Email : [email protected]
Website : www.fidrec.com.sg
Fax : 6327 8488

Important - Please remember to quote your policy reference in your communication.

Your first point of contact should always be to our Customer Services Department. You can email us at [email protected].

There is no need to worry about renewal as the policy will be renewed automatically for each policy year if all premiums are duly received by us, unless we receive cancellation instruction from you. At every renewal we reserve the right to review the terms, conditions and premiums we offer you. In the event that we make any changes to the premiums, provisions, limits or coverage, we will inform you via the renewal notice 30 days in advance.

If you wish to make any changes to your policy e.g. change of plan, you may complete the “change of request” form and email to us at  [email protected].

Yes, you may make payment at our office if the policy has not lapsed yet. Alternatively, you may give us a call at 6827 9933 for us to assist you on other payment arrangements.

We will not be sending any renewed policy documents unless there is any change in coverage requested from you. On the other hand, in the event that we make any changes to the premiums, provisions, limits or coverage, we will write to you 30 days in advance and the changes will apply to you.