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Accident

Smart PA

Accidents do happen. It's a fact of life. But if you were to meet with an accident tomorrow, how financially prepared would you be? Imagine you'll need to cover the cost of hospitalisation, the months of medical treatments such as physiotherapy and the loss of income if you are not able to work for an extended period of time.

Play it smart and be financially prepared for accidents with AXA's Smart PA, a customisable Personal Accident (PA) plan that provides comprehensive accidental coverage for yourself and it protects your children1 as well, at no additional cost.

Be Adequately Protected

In the event of Death of the Life Assured caused by an accident, Smart PA pays a lump sum of 100% of the Sum Assured. If the accident causes Total or Major Permanent Disablement, the policy will pay up to 150% of the Sum Assured, so you can ensure that you and your loved ones are well taken care of.

Double the Protection

In addition, should the accident happen on public transportation, such as buses or taxis, whereby the Life Assured is a fare-paying passenger, Smart PA doubles the Benefit for Death and pays up to 300% of the Sum Assured for Double Indemnity Benefit on Total or Major Permanent Disablement2.

Smart PA goes even further

With Smart PA, you are covered against an extensive range of accident risks such as:

  • Death or bodily injuries caused by motorcycling accidents, including as a pillion rider
  • Death due to exposure to natural elements caused by an accident
  • Disappearance following the sinking or wrecking of the transport while travelling, where the body was not found after a year and it is reasonable to believe that the Life Assured is dead
  • Death or bodily injuries caused by an accident resulting from suffocation from smoke, poisonous fumes, gases or drowning
FREE1 cover for your children

Designed to provide comprehensive coverage for you and your family, Smart PA offers Free Child Cover1 for up to 3 children when you sign up for the plan. As long as the Life Assured's purchased Sum Assured is S$500,000 and above, each of their child can be covered against Accidental Death for 10% of the Sum Assured under the Accidental Death Benefit, at no extra cost!

Choose from 4 specially customised packages for all your needs:

Important Information

1 Free Child Cover on Accidental Death Benefit for up to 3 nominated children (below 18 years old) when the Life Assured's purchased Sum Assured is S$500,000 and above.

2 Applies to Double Indemnity for Permanent Disablement caused by accidents whilst travelling as a passenger in any public conveyance.

Customise your Smart PA the way you want it, the way you need it

Smart PA is flexible enough to allow you to add on extra coverage designed to ease your financial burden in the event of an accident. Choose from any of the supplementary riders below and enjoy total peace of mind.

Supplementary Riders Benefits

Accident Medical Reimbursement

Reimburses up to $10,000 per year, the cost of inpatient and outpatient treatment3 related to injuries as a result of the accident, within 12 months from the date of the accident.

Accident Hospitalisation Income & ICU Benefit

Receive up to S$400 of Daily Accident Hospitalisation Income1 during your hospitalisation, and double the Daily Accident Hospitalisation Income should you be hospitalised in the Intensive Care Unit (ICU).2

Broken Bones Benefit

Provides a cash payout ranging between 1% and 60% of the Coverage Amount, depending on the severity of the injury in accordance with a Schedule of Broken Bones Benefit

Weekly Indemnity

Pays the coverage amount on a weekly basis for Temporary Total Disablement4 and Temporary Partial Disablement during the period of your incapacity for as long as 52 weeks.

To apply, please ask your personal adviser to recommend appropriate packages that best suit your needs to ensure your coverage remain relevant.

Important Information

1 Hospital stay must be 6 hours or longer and benefit payable shall not exceed 100 days per policy year.

2 Stay in ICU must be 6 hours or longer and benefit payable shall not exceed 50 days per policy year.

3 Outpatient medical expenses can be claimed up to 50% of the chosen Accident Medical Reimbursement Coverage Amount per annum.

4 Temporary Total Disablement (TTD) is subject to a minimum Coverage Amount of $50 per week, up to a maximum of $500 per week. Temporary Partial Disablement's Coverage Amount is 25% of TTD benefit per week.

This is not a contract of insurance. The precise terms and conditions of the plan are specified in the policy contract.

Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.

Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.

A product summary is available and may be obtained from AXA Life Insurance Singapore Pte Ltd and the participating distributors' offices. You should read the product summary before deciding whether to purchase the policy.

The above is for your information only and does not have any regard to your specific investment objectives, financial situation and any of your particular needs. You may wish to seek advice from an adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from an adviser, you should consider whether the product in question is suitable for you.

The insurance policy featured in this website 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 should you buy the policy. For more information on the types of benefits that are covered under the Policy Owners' Protection Scheme as well as the limits of coverage, where applicable, please visit the AXA website at www.axa.com.sg or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg) for a copy of the SDIC Guide on PPF Scheme (Life Insurance).
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