Updated Jan 2026: Get covered for life’s unexpected moments. We scan all leading insurers such as Income, MSIG, Tokio Marine to help you find the highest medical reimbursements and best protection for kids or seniors.
Get free quoteA personal accident plan is an insurance policy designed to provide protection against injuries, disabilities, and death caused by accidents.
An accident is typically defined as a sudden, unforeseen, and external event that results in bodily injury. Exact definitions vary by insurer and policy wording.
Most plans provide:
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The following comparison highlights personal accident insurance providers based on policy design, benefit structure.
Best if you prefer Traditional Chinese Medicine (TCM) and Chiropractors: Income PA Assurance, Liberty PACare Plus, Manulife ReadyProtect
Best for seniors: Income PA Assurance, Liberty PACare Plus, Manulife ReadyProtect, Tokio Marine TM 365
Best for those with a tight budget: MSIG Protection Plus Silver, Tokio Marine TM 365 Plan B, Singlife Personal Accident Lite
Best overall plan for kids: Income PA Assurance w Infectious Disease Cover, Liberty PACare Plus, Manulife Ready Protect Accelerate, Prudential PRUPersonal Accident, Sompo PAStar w ID Booster
This comparison uses a $100,000 accidental death benefit as the reference point.
| Plan | MSIG Protection Plus Silver | Tokio Marine TM 365 Plan B | Manulife Ready Protect Accelerate | Sompo PA Star Deluxe | Liberty PACare Plus – Enhanced Economy | Income PA Assurance Basic | SingLife Personal Accident Lite | |
| Accident Death / Disablement | $100,000 / $150,000 | $100,000 | $100,000 | $100,000 | $100,000 | $100,000 / $150,000 | $100,000 | |
| Medical expenses for accidental injury per accident | Overall claim limit | $1,000 | $4,000 | $2,000, limit is doubled if accident occured overseas | $3,000 | $3,000 | $2,000 | $3,000 per year |
| Traditional chinese medicine (TCM) | Covers up to $75 per visit, capped at 50% of the section’s overall limit | Up to $1,000 | Up to $500 | TCM is covered at $50 per visit, up to $300, with a $600 yearly limit | Up to $500 | Up to $500 | Up to $50 per visit, capped at $500 | |
| Chiropractor | ||||||||
| Physiotherapy | Covered | Covered | Physiotherapy is covered only after hospitalisation | Up to $500 | Covered | Up to $1,000 | ||
| Daily hospital cash allowance | $50 | $100 – $200 | With additional premium | $100 | $100 – $200 | $100 – $300 | $50 – $100 | |
| Weekly cash income | $50 – $100 per week | $50 – $100 per week | $100 per week | $100 per week | $100 per week | $100 per week | With additional premiums | |
| Infectious disease | ✔️ | Limited | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | |
| Standout Features | Physiotherapy coverage | High limit for medical expenses, high TCM limits | Double coverage for frequent travellers, optional income rider, allows flexibility | High limit for medical expenses | High limit for medical expenses | Triple ICU daily cash income | High limit for medical expenses | |
| Annual premium based on desk bound jobs | $125.35 | $141.70 | $208.00 | $215.82 | $214.73 | $221.05 | $142.62 | |
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Pays a lump sum if death occurs due to an accident.
Pays a percentage of the sum assured according to the insurer’s disability compensation table.
Reimburses outpatient treatment costs resulting from accidental injury, including:
Infectious diseases and insect bites are not considered as accidents per se. But most insurers extend their personal accident benefits to cover these incidents. Dengue benefits can be useful to those living in hot dengue zones.
Based on Planner Bee’s customer purchasing patterns, most individuals selecting personal accident insurance prioritise coverage for outpatient medical expenses arising from accidental injuries that do not require hospital admission.
More than 90% of customers selecting accident medical reimbursement benefits choose annual limits below $5,000.
Higher reimbursement limits are more commonly selected by individuals who participate regularly in sports or physically demanding activities, whether recreationally or professionally.
This suggests that most policyholders view personal accident insurance primarily as protection against minor to moderate accidental injuries requiring outpatient treatment, rather than major hospitalisation events.
Provides weekly payouts if you are temporarily unable to work due to an accident, subject to waiting periods and maximum duration limits.
Pays a daily cash allowance for hospital stays arising from accidental injury.
Accidents can happen anywhere. A comprehensive accident plan can provide additional coverage while you travel abroad. In a serious accident, chartering a flight to bring patients back home safely will be costly and this benefit can help to offset the large transportation cost.
Always review full policy wording before making a decision and choose a plan that suits your needs most, at a budget that you are most comfortable paying for.
Insurers generally define accident as a sudden, unexpected, and external event that causes bodily injury.
While the term “accident” is often used loosely in everyday language, not everything that causes injury is classified as an accident under personal accident insurance.
Understanding these distinctions is important to avoid claim rejections.
Injuries from reckless or intentional acts
Injuries sustained from self-harm, substance abuse, or illegal activities (e.g., fighting, racing, or trespassing) are generally excluded, as the policyholder contributed to the risk.
Overexertion without external force
Muscle strain or backache caused by lifting heavy objects or poor posture, without any slip, fall, or external trauma, is usually not covered as it lacks a sudden, external event.
Pre-existing medical conditions
Any injury or complication arising from chronic illnesses such as diabetes, heart disease, epilepsy, or arthritis is not considered accidental. These are medical conditions and typically not covered under accident plans.
Illnesses without an external cause
Conditions like stroke, heart attack, cancer, or high fever are not classed as accidents because they are internal, non-sudden medical events, even though they may feel sudden.
Surgical complications or side effects
Injuries resulting from elective surgery, cosmetic procedures, or complications from medical treatment are not considered accidental unless due to a certified medical error or unforeseen incident.
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Personal accident insurance provides targeted financial protection against accidental injury and disability. It complements hospitalisation and life insurance but does not replace them.
When personal accident insurance may not be necessary:
Read more: Do I Need a Personal Accident Plan if I Already Have Life Insurance?
If you are already insured by your company for medical expenses, the same bill cannot be claimed against your personal accident policy, and vice versa.
However, accidental death or disability lump sum payouts and weekly income can still be paid on top of other insurance payouts, including company insurance.
A comprehensive medical insurance plan is more essential than a personal accident policy. If you are starting out with your insurance planning, prioritise getting yourself covered for major hospitalisation bills before looking into personal accident policies.
This ensures you are well prepared for larger medical bills caused both by accidents and illness that can deplete your savings.
Yes, most personal accident insurance policies cover overseas bills as long as they’re caused by an accident. However, there is a limit to the number of days that you can be outside of Singapore before the coverage expires.
Not all plans do, look under the infectious disease coverage terms to check if dengue coverage is included.
