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AIA · Personal accident

Solitaire PA (II)

Personal accident plan by AIA. Base premium from S$224/yr. Accidental death up to S$750,000, permanent disability up to S$2,250,000.

By MoneyAtlas Research · Verified 12 Jul 2026 · How we verify & rank

Last verified 12 Jul 2026 · 8 official sources · pa-2026-07-12

Last verified12 Jul 2026

Data versionpa-2026-07-12

Verified sources8 of 8

From the insurer's official product page. A headline sum is a ceiling; actual payout depends on the event, disability scale, occupation, exclusions and policy wording.

Spotted a figure that looks wrong or out of date? Report a data error— we’ll check it and correct it openly.

Premiums (base cover)

PlanOccupationCoverAnnual premium
Plan 1Occupation Class 1 & 2BaseS$224
Plan 2Occupation Class 1 & 2BaseS$372
Plan 3Occupation Class 1 & 2BaseS$596
Plan 4Occupation Class 1 & 2BaseS$856
Plan 1Occupation Class 3 & 4BaseS$392
Plan 2Occupation Class 3 & 4BaseS$652
Plan 3Occupation Class 3 & 4BaseS$1,044
Plan 4Occupation Class 3 & 4BaseS$1,513
Plan 1Occupation Class 1 & 2BaseS$336
Plan 2Occupation Class 1 & 2BaseS$560
Plan 3Occupation Class 1 & 2BaseS$896
Plan 4Occupation Class 1 & 2BaseS$1,284
Plan 1Occupation Class 3 & 4BaseS$591
Plan 2Occupation Class 3 & 4BaseS$983
Plan 3Occupation Class 3 & 4BaseS$1,569
Plan 4Occupation Class 3 & 4BaseS$2,246
Show all premium rows (64, incl. optional covers)
PlanOccupationCoverAnnual premium
Plan 1Occupation Class 1 & 2Monthly Disability IncomeS$265
Plan 2Occupation Class 1 & 2Monthly Disability IncomeS$407
Plan 3Occupation Class 1 & 2Monthly Disability IncomeS$611
Plan 4Occupation Class 1 & 2Monthly Disability IncomeS$815
Plan 1Occupation Class 3 & 4Monthly Disability IncomeS$516
Plan 2Occupation Class 3 & 4Monthly Disability IncomeS$795
Plan 3Occupation Class 3 & 4Monthly Disability IncomeS$1,192
Plan 4Occupation Class 3 & 4Monthly Disability IncomeS$1,589
Plan 1Occupation Class 1 & 2BaseS$224
Plan 2Occupation Class 1 & 2BaseS$372
Plan 3Occupation Class 1 & 2BaseS$596
Plan 4Occupation Class 1 & 2BaseS$856
Plan 1Occupation Class 3 & 4BaseS$392
Plan 2Occupation Class 3 & 4BaseS$652
Plan 3Occupation Class 3 & 4BaseS$1,044
Plan 4Occupation Class 3 & 4BaseS$1,513
Plan 1Occupation Class 1 & 2BaseS$336
Plan 2Occupation Class 1 & 2BaseS$560
Plan 3Occupation Class 1 & 2BaseS$896
Plan 4Occupation Class 1 & 2BaseS$1,284
Plan 1Occupation Class 3 & 4BaseS$591
Plan 2Occupation Class 3 & 4BaseS$983
Plan 3Occupation Class 3 & 4BaseS$1,569
Plan 4Occupation Class 3 & 4BaseS$2,246
Plan 1Occupation Class 1 & 2Lifestyle MaintenanceS$67
Plan 2Occupation Class 1 & 2Lifestyle MaintenanceS$108
Plan 3Occupation Class 1 & 2Lifestyle MaintenanceS$178
Plan 4Occupation Class 1 & 2Lifestyle MaintenanceS$222
Plan 1Occupation Class 3 & 4Lifestyle MaintenanceS$118
Plan 2Occupation Class 3 & 4Lifestyle MaintenanceS$189
Plan 3Occupation Class 3 & 4Lifestyle MaintenanceS$311
Plan 4Occupation Class 3 & 4Lifestyle MaintenanceS$389
Plan 1Occupation Class 1 & 2Hospital Income & FractureS$41
Plan 2Occupation Class 1 & 2Hospital Income & FractureS$71
Plan 3Occupation Class 1 & 2Hospital Income & FractureS$106
Plan 4Occupation Class 1 & 2Hospital Income & FractureS$141
Plan 1Occupation Class 3 & 4Hospital Income & FractureS$71
Plan 2Occupation Class 3 & 4Hospital Income & FractureS$124
Plan 3Occupation Class 3 & 4Hospital Income & FractureS$186
Plan 4Occupation Class 3 & 4Hospital Income & FractureS$246
Plan 1Occupation Class 1 & 2Monthly Disability IncomeS$53
Plan 2Occupation Class 1 & 2Monthly Disability IncomeS$81
Plan 3Occupation Class 1 & 2Monthly Disability IncomeS$122
Plan 4Occupation Class 1 & 2Monthly Disability IncomeS$163
Plan 1Occupation Class 3 & 4Monthly Disability IncomeS$104
Plan 2Occupation Class 3 & 4Monthly Disability IncomeS$159
Plan 3Occupation Class 3 & 4Monthly Disability IncomeS$238
Plan 4Occupation Class 3 & 4Monthly Disability IncomeS$318
Plan 1Occupation Class 1 & 2Lifestyle MaintenanceS$101
Plan 2Occupation Class 1 & 2Lifestyle MaintenanceS$162
Plan 3Occupation Class 1 & 2Lifestyle MaintenanceS$266
Plan 4Occupation Class 1 & 2Lifestyle MaintenanceS$333
Plan 1Occupation Class 3 & 4Lifestyle MaintenanceS$177
Plan 2Occupation Class 3 & 4Lifestyle MaintenanceS$284
Plan 3Occupation Class 3 & 4Lifestyle MaintenanceS$467
Plan 4Occupation Class 3 & 4Lifestyle MaintenanceS$584
Plan 1Occupation Class 1 & 2Hospital Income & FractureS$61
Plan 2Occupation Class 1 & 2Hospital Income & FractureS$106
Plan 3Occupation Class 1 & 2Hospital Income & FractureS$159
Plan 4Occupation Class 1 & 2Hospital Income & FractureS$211
Plan 1Occupation Class 3 & 4Hospital Income & FractureS$107
Plan 2Occupation Class 3 & 4Hospital Income & FractureS$186
Plan 3Occupation Class 3 & 4Hospital Income & FractureS$280
Plan 4Occupation Class 3 & 4Hospital Income & FractureS$370

Plan facts

Occupation basisOccupation Classes 1–4
Entry age16 to 70; specific option eligibility varies
Renewal / continuationRenewal to 79; basic benefits reduce at older ages and optional benefits may cease at 75
PricingPublished schedule
PlansPlan 1 · Plan 2 · Plan 3 · Plan 4

Benefits

Accidental death100,000 | 250,000 | 500,000 | 750,000
Major dismemberment / PTD300,000 | 750,000 | 1,500,000 | 2,250,000
Accident medical2,000 | 3,000 | 4,000 | 5,000
TCM500 | 750 | 1,000 | 1,250
Renewal bonus5% increase to specified benefit after claim-free renewal, up to six renewals
Lifestyle optionWeekly income 100; home mod 5,000; family fund 30,000 | Weekly income 200; home mod 10,000; family fund 60,000 | Weekly income 300; home mod 15,000; family fund 100,000 | Weekly income 400; home mod 20,000; family fund 150,000
Hospital/fracture optionHospital 50/day; fractures 8,000 | 150/day; 12,000 | 250/day; 16,000 | 350/day; 20,000
Monthly disability option500 | 1,000 | 1,500 | 2,000

The balanced take

AI-drafted · human-reviewed · 14 Jul 2026

A highly modular plan with a very high major-disability ceiling and rare published senior pricing, though stacking options can push the premium up.

Commonly praised

  • Very high major-disability payout ceiling
  • Modular income, fracture and lifestyle add-ons
  • Publishes premiums for senior age bands

Common trade-offs

  • Adding options can make the total premium expensive
  • Some benefits reduce or stop at older ages
  • Manual-job (Class 3/4) pricing can be steep

AI-drafted from this plan's documented strengths and trade-offs, then reviewed by our team. It is an educational synthesis of published product facts — not consumer reviews, an insurer statement, or financial advice. Confirm details with the insurer or a licensed adviser.

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AIA Solitaire PA (II)figures are indicative, for comparison and education only, from the insurer’s published 2026 material. Actual premiums, occupation loading, eligibility, exclusions and payouts depend on your circumstances and the policy contract. This page does not rank plans or recommend a product. Confirm with AIA or a licensed financial adviser before any decision.