PA PrimePlus (Series II)
Safeguard your future with MSIG’s PA PrimePlus – a personal accident insurance offering up to $1 million coverage for accidental death and permanent disability. Enjoy affordable premiums, hassle-free sign-up with no medical exams, and added protection for adventurous activities. Get free cover for your children when you and your spouse are insured in the same policy. Choose smart protection that delivers more for less.
Features & benefits
Top end coverage
One of the highest coverage available in the market, your loved ones will receive a cash payout of up to $1 million* in the event of your accidental death or permanent incapacity.
Flexibility to include spouse
Protect your loved one under the same policy at 50% of main applicant’s sum insured and manage your legacy planning as a couple!
More savings for the family
Enjoy free child cover for unlimited number of children when you and your spouse are insured under the same policy.
Adventurous activities cover
If an injury or death is a result of participating in a listed adventurous activity, we will pay up to 50% of the sum insured.
Get reimbursement for medical expenses (optional)
This add-on cover provides reimbursement for medical, alternative treatment and dental expenses incurred due to an injury.
Affordable premiums
Choose from two plans, with premiums starting from less than $1 a day.
*Based on Gold plan.
Why choose MSIG?
Fuss-free Application
No lengthy forms and no medical examination required! The main applicant needs to be gainfully employed at the time of application.
Claims Made Easy
We keep our process as simple as possible to bring your personal accident claim to a fair settlement.
Value-added Covers
Value-added covers for motorcycling as a rider or pillion rider, injuries during reservist and leisure sports like snorkelling, wakeboarding and bungee jumping.
Select plans to compare
| Benefits | Sum Insured per insured person | |
|---|---|---|
| Silver Plan | Gold Plan | |
Section 1 Accidental death / Permanent disability |
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Main insured person18 to 65 years old 66 to 70 years old 71 to 75 years old |
$500,000 $250,000 $125,000 |
$1,000,000 $500,000 $250,000 |
Spouse (optional cover)18 to 65 years old 66 to 70 years old 71 to 75 years old |
$250,000 $125,000 $62,500 |
$500,000 $250,000 $125,000 |
Child (Free cover)1 month to 21 years old |
$50,000 |
$100,000 |
Section 2 Adventurous activities coverThis section extends the policy to cover leisure and non-competitive activities like bungee jumping, parasailing, tandem sky diving, canoeing, scuba diving, winter sports, mountaineering up to 3,000m and other activities. |
50% of sums insured |
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Select plans to compare
| Benefits | Sum Insured per insured person | |
|---|---|---|
| Silver Plan | Gold Plan | |
Section 3 Medical expenses for injury (per accident) |
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Main insured person18 to 65 years old 66 to 70 years old 71 to 75 years old |
$5,000 $2,500 $1,250 |
$7,500 $3,750 $1,875 |
Spouse (optional cover)18 to 65 years old 66 to 70 years old 71 to 75 years old |
$2,500 $1,250 $625 |
$3,750 $1,875 $950 |
Child (Free cover)1 month to 21 years old |
$500 |
$750 |
Alternative treatment expenses (per accident)includes acupuncturist, bonesetter, chiropractor or traditional Chinese medicine practitioner Sub-limit of section 3 |
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Main insured person18 to 65 years old 66 to 70 years old 71 to 75 years old |
$1,000 $500 $250 |
$1,500 $750 $375 |
Spouse (optional cover)18 to 65 years old 66 to 70 years old 71 to 75 years old |
$500 $250 $125 |
$750 $375 $190 |
Child (Free cover)1 month to 21 years old |
$100 |
$150 |
Policy Limit per year |
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The policy limit is shared by all insured persons and is the most we will pay per period of insurance. The policy limit is not applicable to Section 3. |
$500,000 |
$1,000,000 |
Important Notes:
- Applicable to Section 1 - The most we will pay per insured person is 100% of the sum insured. If there is any claim, the sum insured will be reduced for the remaining lifetime for the relevant insured person. The sum insured does not reset at renewal.
- Free cover for unlimited number of children when the main insured person and spouse are insured under the same policy.
- The policy limit is the most we will pay during the period of insurance, regardless of the number of insured persons. Any claim will reduce the policy limit, and the remaining policy limit will continue to apply for the rest of the period of insurance. The policy limit will reset to 100% of your selected plan at every renewal. The policy limit is not applicable to Section 3.
| No. | Questions & Answers | |
|---|---|---|
| 1 |
What is unique about PA PrimePlus (Series II)? PA PrimePlus (Series II) is a personal accident insurance plan that renews annually and offers coverage of up to $1 million. It’s designed to give your loved ones financial protection by providing a substantial lump sum payout if you experience a serious accident that results in death or permanent disability. |
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| 2 |
Who is eligible for this insurance? PA PrimePlus (Series II) is designed for Singaporeans, permanent residents and foreigners holding valid employment, work permits or long-term passes issued by the Singapore government. The usual country of residence must be Singapore and the age eligibility for new application is between 18 and 65 years old. The policy is also renewable up to 75 years old. |
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| 3 |
Can I insure my spouse and children under PA PrimePlus (Series II)? You can include your spouse for cover under PA PrimePlus (Series II) if he/she meets the eligibility as described under FAQ 2. You may include your children if both you and your spouse are covered under the same policy. Spouse and children can only be included at application or at renewal. Inclusion cannot be done mid-way during the period of insurance. |
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| 4 |
What is the coverage benefit for spouse? If spouse cover is selected, your spouse will be insured for 50% of your sum insured for accidental death, permanent disability or medical expenses due to injury, subject to overall policy limit. Please see FAQ 7 for how the overall policy limit works. |
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| 5 |
What are the occupations covered and not covered? PA PrimePlus (Series II) covers an insured person who is in a professional, managerial or administrative occupation such as manager, executive, teacher, architect, banker, doctor and surgeon (non-veterinary). Other occupations are not covered. |
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| 6 |
Will I be covered if I change occupation or become unemployed in the future? The policy will continue to cover you during unemployment. Any change in occupation must remain in a professional, managerial or administrative role, otherwise the policy will not provide cover during that period. |
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| 7 |
How does the policy limit work? The policy limit is on a shared sum insured basis and is the maximum amount that the insurance policy will pay out, regardless of the number of insured persons. Below are some examples based on the Gold plan.
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| 8 |
Is the policy renewable? What are the available payment modes? The policy will automatically renew yearly up to the age of 75 years old. Premium is payable via credit card and recurring renewal premium will be charged to the same credit card provided. PA PrimePlus (Series II) offers annual and monthly payment modes. |
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| 9 |
Will I be covered if I travel and stay outside Singapore? If you plan to live outside Singapore for more than 182 consecutive days, you must inform us in writing. There may be additional conditions or premium loading, or a discontinuation of cover. If you do not notify us, your coverage will automatically stop from the 183rd day of your stay outside Singapore. Coverage will resume when you return to Singapore. |
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| 10 |
Does PA PrimePlus (Series II) cover adventurous activities? PA PrimePlus (Series II) covers you for 50% of the sum insured when you participate in leisure and non-competitive adventurous activities such as bungee jumping, parasailing, tandem sky diving, canoeing, scuba diving up to depth of 30m, winter sports and mountaineering up to 3,000m. Refer to the policy wordings for more covered activities. |
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| 11 |
Can I cancel the PA PrimePlus (Series II) policy and will I get a refund? Yes, you may cancel the policy by informing us or your intermediary in writing. We will calculate the refund amount based on the policy terms and conditions, provided the policy has no claims. |
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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.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us here or visit GIA or SDIC.
| PA PrimePlus (Series II) | PA RecoveryPlus | ProtectionPlus | |
|---|---|---|---|
Suitable for |
Families who want the highest sum insured for the best premiums. |
Customers who want the most benefits for them and their three-generational families. |
Customers looking for a simple and comprehensive plan. |
Coverage |
Choose from 2 plans with 2 base covers and 1 optional cover. |
Choose from 3 plans with up to 17 base benefits and 3 optional covers. |
Choose from 3 plans with 9 base benefits. |
Accidental death |
Up to $1 million |
Up to $300,000 |
Up to $250,000 |
Permanent disability |
Up to $1 million |
Up to $450,000 |
Up to $375,000 |
Medical Expenses |
Up to $7,500 |
Up to $3,000 |
Up to $5,000 |
Free child cover |
Available if spouse is insured under the same policy. |
No free child cover. |
Available if spouse is insured under the same policy. |
