PA RecoveryPlus
Personal Accident Insurance

Product Description

Offers 360 protection spanning across essential, recovery support and lifestyle support benefits with option to insure up to 3 generations in one policy.

Key features

  • 360 Protection
    PA RecoveryPlus takes care of you every step of the way, offering well-rounded protection with:
    • Essential benefits to provide crucial payouts for death, disability, medical expenses for treatment and family support.
    • Recovery support benefits to fund nursing and domestic support services, and modifications to the living environment for easy mobility during your recuperation journey amongst others.
    • Lifestyle support benefits to safeguard your active lifestyle with coverage for unused gym and fitness classes, and care services for your pet when you are hospitalised and more.  
  • Flexibility to add on family members
    A plan to protect every stage of your life, PA RecoveryPlus gives you the flexibility to add on coverage for your spouse, your children, parents and even parents-in-law as you build your family, saving you the hassle of managing multiple policies.1

PA RecoveryPlus insurance plan highlights

Home and Car Modification Expenses
Up to $10,000 for home or car modifications including purchase of homecare equipment in the event of permanent disability.

Cosmetic Procedure Expenses
Up to $3,000 to relieve your financial stress if cosmetic procedures for face and neck are required after an accident.

Permanent Caregiver Grant
Up to $1,000 to cover agency fees for hiring a caregiver or domestic helper because of permanent disability.

Petcare Allowance
Up to $1,200 to cover the cost of hiring an animal professional to care for your pet during your hospitalisation.

Fitness and Sports Membership Fees
Up to $300 for unused fitness and sports memberships or facility charges while you are recuperating.

1 Selection of plan type is dependent on the occupation of the main insured or spouse.
For more details, please refer to FAQs 3 and 4 below and the occupation category guide under Downloads.

*Cover and limits are based on Platinum Plan.

simple to buy
Simple to Buy

Purchase this property insurance plan online from the comfort of your home.

Claims Made Easy
Claims Made Easy

Submit your insurance claims online for quicker and simpler claims settlement.

24/7 Helpline
24/7 Helpline

We offer you round‑the‑clock support for home emergencies, electrician and plumber referrals, and even locksmith assistance.

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Plan details

Benefits
Basic Cover
Adult Cover (per insured person)
Benefits Summary Sum Insured
Silver Plan Gold Plan Platinum Plan
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)

- Dengue
- Food poisoning
- Hand, foot and mouth disease (HFMD)

$50 per day
up to 50 days,
Max. $2,500
$100 per day
up to 50 days,
Max. $5,000
$150 per day
up to 50 days,
Max. $7,500
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 of temporary domestic help

$1,000 $2,000 $3,000

SECTION 13

Home modification for mobility (per lifetime)

$5,000 $7,000 $10,000

13.1 Home care equipment (sub-limit)

$1,000 $2,000 $3,000

13.2 Car modification (sub-limit)

$500 $1,000 $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
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 pet care 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
Child Cover (per insured person)
Section Number/Benefits Sum Insured
Silver Plan Gold Plan Platinum Plan
Essential benefits

SECTION 1

Accidental death

$30,000 $60,000 $100,000

SECTION 2

Permanent disability (per policy year)

$45,000 $90,000 $150,000

SECTION 3

Third-degree burns (per policy year)

$30,000 $60,000 $100,000

SECTION 5

Medical expenses for injury

$300 $600 $1,000

SECTION 6

Alternative treatment expenses for injury

Includes Traditional Chinese Medicine, acupuncture, bone-setting or chiropractic treatment

$100
up to $40 per visit
$200
up to $50 per visit
$300
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

$100 $200 $300

SECTION 8

Daily hospital income

$30 per day
up to 100 days,
Max. $3,000
$40 per day
up to 100 days,
Max. $4,000
$50 per day
up to 100 days,
Max. $5,000

SECTION 10

Special hospital income (per occurrence)

- Dengue
- Food poisoning
- Hand, foot and mouth disease (HFMD)

$30 per day
up to 50 days,
Max. $1,500
$40 per day
up to 50 days,
Max. $2,000
$50 per day
up to 50 days,
Max. $2,500

SECTION 11

Transport allowance for follow-up medical appointments (post-hospitalisation)

$50
$10 per day
$75
$15 per day
$100
$20 per day

SECTION 24

Child education fund

$10,000 $20,000 $30,000
Senior Cover (per insured person)
Section Number/Benefits Sum Insured
Silver Plan Gold Plan Platinum Plan

SECTION 1

Accidental death

$10,000 $20,000 $30,000

SECTION 2

Permanent disability (per policy year)

$10,000 $20,000 $30,000

SECTION 3

Third-degree burns (per policy year)

$10,000 $20,000 $30,000

SECTION 5

Medical expenses for injury

$300 $600 $1,000

SECTION 6

Alternative treatment expenses for injury

Includes Traditional Chinese Medicine, acupuncture, bone-setting or chiropractic treatment

$100
up to $40 per visit
$200
up to $50 per visit
$300
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

$100 $200 $300

SECTION 8

Daily hospital income

$30 per day
up to 50 days,
Max. $1,500
$40 per day
up to 50 days,
Max. $2,000
$50 per day
up to 50 days,
Max. $2,500

SECTION 10

Special hospital income (per occurrence)

- Dengue
- Food poisoning
- Hand, foot and mouth disease (HFMD)

$30 per day
up to 50 days,
Max. $1,500
$40 per day
up to 50 days,
Max. $2,000
$50 per day
up to 50 days,
Max. $2,500

SECTION 11

Transport allowance for follow-up medical appointments (post-hospitalisation)

$50
$10 per day
$75
$15 per day
$100
$20 per day
Optional Covers
Adult Cover (per insured person)
Section Number/Benefits Sum Insured
Silver Plan Gold Plan Platinum Plan

SECTION 21

Additional capital sum insured for section 1 to 3

$100,000
to $400,000
$100,000
to $300,000
$100,000
to $200,000

SECTION 22

Additional medical expenses sum insured for section 5

$1,000 to
$4,000
$1,000 to
$3,000
$1,000 to
$2,000 

SECTION 23

Income protection for temporary disability (limited to one accident at any one time) (per week, up to 52 weeks)

Pays a weekly benefit when you are unable to work as a result of injury to help with day-to-day expenses

$100 to
$300
$100 to
$300
$100 to
$300
FAQs
No. Questions & Answers
1

What are the unique benefits of PA RecoveryPlus?

PA RecoveryPlus comprises three main categories of benefits to provide well-rounded protection cover that will support you and your family’s lifestyle needs:

  • Essential benefits – Sections 1 to 10

    Provides essential payouts for death, disability, medical expenses for treatment and family support.

  • Recovery support benefits – Sections 11 to 15

    Puts extra cash in your hand to support your recovery for use in hiring of temporary domestic help, ordering of food delivery or even to cover your transport costs to the hospital for follow-ups. Benefits also pay for home or car modification to support mobility needs due to permanent disability.

  • Lifestyle support benefits – Sections 16 to 23

    Protects your active lifestyle including fitness and sports membership charges incurred or for the care of your pet while you are hospitalised. Benefits include covering you in the event you have to cancel paid staycation and entertainment tickets due to hospitalisation or you require cosmetic procedures to reduce or remove scarring due to an accident.

2

Who can enrol for this insurance?

PA RecoveryPlus is designed to meet the needs of every life stage – whether you are single, married, have children or are retired. We offer the option for you to add your spouse, your parents and even your parents-in-law under the same policy, saving you the hassle of having to apply and manage multiple policies.

All insured persons must be a Singaporean, permanent resident or foreigner holding valid employment, work permit or long-term pass issued by the Singapore government. They must also reside in Singapore.

There are 3 types of cover and age eligibility.

  • Adult Cover

    Covers you (as the main insured person) and your spouse between the age of 18 to 65 years old and is renewable up to age 75. The main insured person is also the policyholder.

  • Child Cover

    Covers up to five children between the age of one month old to 25 years old and is renewable up to age 25.

  • Senior Cover

    Covers parents and parents-in-law between the age of 50 to 70 years old and is renewable up to age 80.

3

Would occupation affect the plan type that can be selected?

Occupations under Group A are eligible for all 3 plans and optional covers.

Occupations under Group B are only eligible for Silver plan, Gold plan and the optional cover for income protection for temporary disability.

Simply input your occupation type when getting an online quote and the plan which you are eligible for will automatically be offered to you.

For more details on the occupations under Group A and Group B, please refer to the occupation category guide under Downloads.

4

Can different insured persons be covered under different plan types?

No, all insured persons must have the same plan type: Silver, Gold or Platinum.

For Adult cover, if either the main insured person or spouse is under Group B occupation, both persons will only be eligible for Silver plan, Gold plan and the optional cover for income protection for temporary disability.

For Child and Senior cover, the plan type offered would be the same as the persons insured under Adult cover. For example, if the persons under Adult cover are under Gold plan, then only Gold plan would be available for Child and Senior cover.

For each plan type, there are different benefits and limits for Adult, Child and Senior.

5

What does Home Nursing and Domestic Support Fund cover?

This benefit provides up to $3,000 cash to fund any services that you require during recuperation such as nursing treatment at home, meal delivery, laundry service and hiring of temporary domestic help. It is payable when you are hospitalised for a minimum of 5 days.

6

What are the types of expenses and activities covered under Section 19 - Fitness and Sports Membership Fees?

Such expenses and activities covered include subscriptions or fees paid for usage of gym, sports or fitness facilities and may also include bookings for trainings, exercise and even dance classes for example, martial arts, golf, tennis, rock climbing, wakeboarding, yoga and Zumba.

The benefit is payable if the activity falls within your hospitalisation or hospitalisation leave period, duration of which is at least 7 days and you are unable to receive any compensation for the fees you have paid for the sport or fitness activity.

7

What does Petcare Allowance cover?

The allowance allows you to arrange for professional petsitter service to take care of your pet during your hospitalisation. This benefit reimburses up to $40 per day for pet hotel or pet sitting services for up to 30 days of your hospitalisation.

8

Is my child covered during National Service?

PA RecoveryPlus covers your child only during their off-duty periods as National Serviceman. Off-duty periods are when your child has signed out from official duties, not present in any military, training or operational base and is not participating in any activities relating to National Service.

9

What does ‘per occurrence’, ‘per policy year’, ‘per lifetime’ mean?

These terms refer to how the sums insured are paid for the relevant sections.

Terms

Benefit example

How benefit is paid

Per occurrence

Special hospital income

  • 1 Jan 2024 – suffered dengue
  • 1 Jul 2024 – suffered dengue again

We will pay

  • up to $150 per day, up to 50 days.
  • up to $150 per day, up to 50 days.

Per policy year

Petcare allowance

  • 1 Jan 2024 – hospitalised for 20 days due to injury
  • 1 Jul 2024 – hospitalised for 15 days for a different injury

We will pay

  • up to $40 per day for 30 days in total for both incidents. The remaining 5 days for the second hospital stay are not payable as the total duration has exceeded the limit of 30 days per policy year.

Per lifetime

Permanent caregiver grant

  • 1 Mar 2024 – suffered permanent disability and employs a maid with agency fees of $800
  • 1 Aug 2024 – changes a maid after 5 months with agency fees of $400

We will pay

  • up to $1,000 for the agency fee of the first maid in Mar 2024. No claim is payable for the 2nd maid in Aug 2024.
  • This benefit is payable only once in the insured person’s lifetime regardless of the number of times the policy is being renewed.

The above examples are for illustration purposes only.

For sections where we do not indicate any of the above, the sums insured for those sections are payable on a per insured person per accident basis. There is no limit to the number of accidents during one period of insurance.

10

Am I covered if I travel overseas?

PA RecoveryPlus shields you and your loved ones even when overseas. Our worldwide cover extends up to 182 continuous days outside of Singapore. The cover will cease from the 183rd day and will resume upon return to Singapore. Persons intending to stay overseas for more than 182 days must inform us in writing of any change in the country of residence, subject to our acceptance.

11

Is terrorism covered?

We cover for injuries suffered due to the act of terrorism. The total amount of benefits we will pay up to is $500,000 per insured person and $2 million per policy for all insured persons, provided the act of terrorism does not involve the use of biological, chemical agents or nuclear devices.

12

Does PA RecoveryPlus cover adventurous activities?

PA RecoveryPlus covers leisure and non-competitive activities provided they are undertaken with a licensed operator and you followed all safety and health instructions, guidelines and regulations. These adventurous activities may include:

a)

zip-lining, zip-riding;

b)

sightseeing on hot-air balloon, helicopter, airplane;

c)

canoeing or white-water rafting with a qualified guide and up to Grade 3 (of International Scale of River Difficulty), helmet diving;

d)

scuba diving, up to the qualified depth of the insured person’s diving certification, and at all times accompanied by a qualified dive instructor or dive master and does not exceed depth of 30 metres;

e)

ice skating, tobogganing, sledging; snow tube sliding, dog sledding, snow rafting; skiing or snowboarding, snowmobiling provided these activities are not done in off-piste, ungroomed, unpatrolled areas or places not recommended for beginner to intermediate users;

f)

hiking or trekking up to 3,000m above sea level;

g)

rock climbing when harnessed and done on man-made walls.

13

Are there any adventurous activities that are not covered?

PA RecoveryPlus does not cover the following activities:

a)

flying or other aerial activities except travelling as a fare-paying passenger in a properly licensed commercial aircraft;

b)

rafting or canoeing involving white-water rapids, high diving or jumping, free diving, underwater activities involving artificial breathing apparatus;

c)

bungee jumping, skydiving, paragliding;

d)

winter sports, or any activities involving the use of a bobsleigh or skeleton;

e)

hunting, potholing, mountaineering that normally involves using ropes, rock climbing;

f)

speed or time trials, competitions, triathlon, ultra-marathon, sprints or racing of any kind; or

g)

extreme sports which involve speed, height, danger, a high level of physical exertion, highly specialised gear or special stunts.

14

How do I determine my occupation category?

Select the occupation category that is closest to your occupation. Here are a few examples:

If your occupation is

Select this occupation category

Banking and trading: Bank officer, Investment analyst, Remisier, Private banker

Insurance: Actuary, Claims officer, Insurance agent or broker, Underwriter

Banking, insurance and trading profession

Librarian, Principal, Student counsellor, Teacher or tutor (for academic subjects, arts, language, music)

Education profession (non-sports)

Domestic helper, Homemaker, Retiree, Student

Domestic and non-working persons

Freight: Crane operator, Forklift operator, Port worker, Warehouse worker

Transport: Chauffeur, Driving Instructor, Driver (for bus, lorry, private hire, taxi)

Freight and transport profession

For more details, you can refer to the occupation category guide under Downloads or send an online enquiry to us.

15

If I have more than one occupation and one fall under Group A and another under Group B, which one should I declare in my application?

PA RecoveryPlus provides cover for 2 groups of occupations:

  • Group A refers to occupations which are professional, administrative, deskbound duties, involves light manual work or activities. Example: bank officer, office manager and school teacher.
  • Group B refers to occupation which involves physical labour, use of tools or machinery in light industries, operation of vehicles, exposure to height or other hazards. Example: chef, electrician and private hire driver.

To ensure that you are covered for both Group A and Group B occupations, please select the associated profession under Group B occupation category in your application and input your two jobs in the occupation field.

For example, if you work as a teacher (Group A) and private hire driver (Group B), you should:

  • select ‘Freight and Transport profession’ which is under Group B occupation category and
  • input teacher and private hire driver under the occupation field

For more details, you can refer to the occupation category guide under Downloads.

16

Are there occupations which are not covered?

PA RecoveryPlus does not cover persons with the following occupations or occupational activities:

a)

any occupation in military, naval, air force, law enforcement, fire-fighting, civil defence or as armed security guard;

b)

professional sportsman, entertainers, motor vehicle racer;

c)

work onboard sea vessel or any offshore occupation such as diver, rig workers, fisherman or ship crew;

d)

work onboard aircraft or as air crew;

e)

shipyard worker, construction worker, demolition worker, quarry worker, work that is underground or in tunnels;

f)

work at height over 30 feet or work involving the use of scaffolding, gondolas, climbing that requires the use of guides or ropes; or

g)

any occupation dealing with explosives, poisonous or hazardous gases or substances.

17

Does the occupation of my parents and parents-in-law affect their premiums?

No, their occupations will not affect their premium rates. The purpose of this information is to provide context for the assessment of claims.

18

Do I need to inform MSIG if there is a change in occupation?

You must notify us in advance or as soon as possible if there is change of occupation for the main insured person and spouse as this can affect your coverage and premiums. To do so, please email us at [email protected] the main policyholder’s information:

  • Full name as per NRIC/FIN/Passport
  • Last 5 alphanumerics of ID number (Example: 1234D)
  • Policy number
  • Contact number
  • Details of insured person who has a change in occupation:
    • Name of the insured person
    • Occupation
    • Date of occupation change
    • Nature of duties

We will reply to you within 3 working days.

19

How do I add more insured persons to my policy?

You can add your spouse, child, parents and parents-in-law to your policy provided they meet the eligibility and other important conditions in the policy. To do so, please email us at [email protected] the main policyholder’s information:

  • Full name as per NRIC/FIN/Passport
  • Last 5 alphanumerics of ID number (Example: 1234D)
  • Policy number
  • Contact number
  • Details of additional insured person(s):
    • Full name as per NRIC/FIN/Passport
    • Nationality
    • Date of birth
    • Identification number
    • Relationship
    • Occupation (not applicable for child)

We will reply to you within 3 working days.

Important Notice & Disclaimers

This page is for general information only. The benefits payable are subject to the occurrence of an Accident. You should consider carefully if you intend to switch personal accident policies, as this might be detrimental to your current and/or future needs. Full details of the terms, conditions and exclusions of this insurance are provided in the policy and will be sent to you upon acceptance of your application by MSIG Insurance (Singapore) Pte. Ltd.

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