Accidents have a ripple effect. Are you prepared for what happens next?
Accidents happen
Perhaps you’re on a step ladder and lose your balance. Or you get tackled at soccer and you hear a sickening crunch. Or you’re thinking of work and don’t see the speeding cyclist on collision course with you on the footpath. Even minor accidents may have significant repercussions.
Being injured in an accident can turn your life upside down. A big part are the bills for emergency care, scans, surgery and hospitalisation. Fortunately, a portion of these costs are covered by MediShield or an Integrated Shield plan. The amount claimed under medical insurance has to take into account a deductible and co-payment, which can be covered by a personal accident plan. As such, medical insurance is often complemented by a personal accident plan.
Supporting your recovery every step of the way
Depending on your injuries, being discharged from the hospital may be just the start of your recovery. Recovery can be a long and arduous journey requiring different procedures, such as follow-up consultations, rehab, physio, even further surgeries.
Plus, if you lose your mobility, whether permanently or temporarily, you would need a support system to help you adapt to your new situation.
That’s why MSIG has designed a personal accident plan that provides 360° support every step of the way in these key areas:
1. Coverage for death, disability and medical expenses
Singapore is among the world's most expensive cities and medical costs are continuing to rise.
While our healthcare is excellent, medical expenses can accumulate depending on the severity of your injuries. To have an idea about how much treatment for injuries can cost, you can reference the benchmark of hospital fees provided by the Ministry of Health.
Meanwhile, if inflation has had a big impact on your budgeting or if you have a growing family to provide for, it’s even more important to get coverage against a mishap.
With MSIG PA RecoveryPlus personal accident plan, you can choose from three tiers of coverage: Silver, Gold or Platinum. Coverage per policy year for permanent disability is up to $450,000 and up to $300,000 for third-degree burns. Hospital income is up to $150 per day, and includes payout for infectious diseases such as dengue, hand foot mouth disease, and food poisoning. There’s also cover for Traditional Chinese Medicine treatment.
This is just one part of the policy, showing the essential benefits of the plan.
| Benefits Summary | Sum Insured | |||
| Silver Plan | Gold Plan | Platinum Plan | ||
| Adult cover (per insured person) | ||||
| Essential benefits | ||||
| Section 1 | Accidental death | $100,000 | $200,000 | $300,000 |
| Section 2 | Permanent disability (per policy year) | $150,000 | $300,000 | $450,000 |
| Section 3 | Third-degree burns (per policy year) | $100,000 | $200,000 | $300,000 |
| Section 4 | Fractures | $2,000 | $4,000 | $6,000 |
| Section 5 | Medical expenses for injury | $1,000 | $2,000 | $3,000 |
| Section 6 | Alternative treatment expenses for injury Includes Traditional Chinese Medicine, acupuncture, bone-setting or chiropractic treatment |
$200 up to $40 per visit |
$400 up to $50 per visit |
$600 up to $60 per visit |
| Section 7 | Mobility aid As prescribed by doctor such as walking cast, crutches or wheelchair required due to an injury |
$1,000 | $2,000 | $3,000 |
| Section 8 | Daily hospital income | $50 per day up to 365 days, Max. $18,250 |
$100 per day up to 365 days, Max. $36,500 |
$150 per day up to 365 days, Max. $54,750 |
| Section 9 | Double hospital income in ICU | $100 per day up to 30 days, Max. $3,000 |
$200 per day up to 30 days, Max. $6,000 |
$300 per day up to 30 days, Max. $9,000 |
| Section 10 |
Special hospital income (per occurrence) |
$50 per day |
$100 per day |
$150 per day |
2. Payouts for recovery, such as hiring a caregiver
Your road to recovery doesn’t stop when you’ve been discharged from the hospital, there are practical issues that you have to deal with. For instance, you might need to use a wheelchair while you recuperate. You’d need a caregiver to retrieve items that are out of reach, prepare your meals, help you in the bathroom, and accompany you when you go out. Rest assured that these expenses will be covered under the plan.
In the event of permanent disability, you can claim up to $10,000 for home and car modifications to assist your mobility.
| Benefits Summary | Sum Insured | |||
| Silver Plan | Gold Plan | Platinum Plan | ||
| Adult cover (per insured person) | ||||
| Recovery support benefits | ||||
| Section 11 | Transport allowance for follow-up medical appointments (post-hospitalisation) | $50 $10 per day |
$75 $15 per day |
$100 $20 per day |
| Section 12 | Home nursing and domestic support fund (post-hospitalisation) Pays cash benefit which you can use to defray services required during recuperation such as nursing treatment at home, meal delivery, laundry service and hiring temporary domestic help |
$1,000 | $2,000 | $3,000 |
| Section 13 | Home modification for mobility (per lifetime) 13.1 Home care equipment (sub-limit) 13.2 Car modification (sub-limit) |
$5,000 $1,000 $500 |
$7,000 $2,000 $1,000 |
$10,000 $3,000 $1,500 |
| Section 14 | Permanent caregiver grant (per lifetime) | $500 | $750 | $1,000 |
| Section 15 | Trauma counselling (per lifetime) | $500 up to $100 per visit |
$750 up to $150 per visit |
$1,000 up to $200 per visit |
Besides physical challenges, we know that there might also be psychological scars that need healing. Should you need trauma counselling, it is also covered under the plan.
3. Coverage for your lifestyle, such as pet care and gym membership
Another thing that we recognise is that an accident can impact your lifestyle, which MSIG PA RecoveryPlus also protects. Unable to go for your usual gym or fitness classes while recuperating? You can claim for unused sessions. As for your pet, if you need care services for it when you’re hospitalised, there’s also coverage.
| Lifestyle support benefits | ||||
| Section 16 | Cosmetic procedure for face and neck due to injury | $1,000 | $2,000 | $3,000 |
| Section 17 | Petcare allowance (per policy year) Reimburses for petcare services when you are hospitalised |
$600 $20 per day, up to 30 days |
$900 $30 per day, up to 30 days |
$1,200 $40 per day, up to 30 days |
| Section 18 | Staycation and entertainment ticket cancellation (per policy year) | $100 | $200 | $300 |
| Section 19 | Fitness and sports membership fees (per policy year) Reimburses for unused gym subscriptions and fitness classes due to hospitalisation |
$150 $50 per month, up to 3 months |
$225 $75 per month, up to 3 months |
$300 $100 per month, up to 3 months |
| Section 20 | Loss of personal belongings due to assault and robbery (per occurrence) | $200 | $400 | $600 |
4. Coverage to suit your needs at any life stage
We understand the difficulties experienced by individuals in the sandwich generation, in which your ageing parents and your own young children need your support at the same time. With this plan, enjoy individual coverage or the flexibility of adding your spouse, children, parents and even parents-in-law under one policy. You can be sure that everyone is protected and you don’t have to worry about managing multiple policies.
5. Focus on getting better
Being injured in an accident can be life-changing. Recovery is a natural process which takes time, so be gentle on yourself. By protecting yourself with a comprehensive plan, you need not worry about costs, and can focus on recuperation, rehabilitation and recovery.
Learn more about MSIG PA RecoveryPlus here.
From time to time, we have exclusive promotions on our insurance plans. Click here to view the latest deals. Policy terms and conditions apply.
