Sapphire Enhanced Choices

Personal accident plan by AIG. Base premium from S$173/yr. Accidental death up to S$500,000, permanent disability up to S$500,000.

Last verified 12 Jul 2026 · 2 official sources · pa-2026-07-12

Last verified12 Jul 2026

Data versionpa-2026-07-12

Verified sources2 of 2

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.

Premiums (base cover)

Plan	Occupation	Cover	Annual premium
Standard	Occupation Class 1 & 2	Base	S$173
Preferred	Occupation Class 1 & 2	Base	S$305
Deluxe	Occupation Class 1 & 2	Base	S$396
Prestige	Occupation Class 1 & 2	Base	S$578
Standard	Occupation Class 3	Base	S$347
Preferred	Occupation Class 3	Base	S$610
Deluxe	Occupation Class 3	Base	S$791
Prestige	Occupation Class 3	Base	—

Show all premium rows (16, incl. optional covers)

Plan	Occupation	Cover	Annual premium
Standard	Occupation Class 1 & 2	Base	S$173
Preferred	Occupation Class 1 & 2	Base	S$305
Deluxe	Occupation Class 1 & 2	Base	S$396
Prestige	Occupation Class 1 & 2	Base	S$578
Standard	Occupation Class 3	Base	S$347
Preferred	Occupation Class 3	Base	S$610
Deluxe	Occupation Class 3	Base	S$791
Prestige	Occupation Class 3	Base	—
Standard	Occupation Class 1 & 2	Comprehensive	S$227
Preferred	Occupation Class 1 & 2	Comprehensive	S$382
Deluxe	Occupation Class 1 & 2	Comprehensive	S$494
Prestige	Occupation Class 1 & 2

Plan facts

Occupation basisOccupation Classes 1–3; Class 4 not eligible

Entry ageAdult 16–65; plan restrictions apply below age 21

Renewal / continuationSubject to annual policy terms

PricingPublished schedule

PlansStandard · Preferred · Deluxe · Prestige

Benefits

Accidental death / permanent disability100,000 | 200,000 | 300,000 | 500,000

Accident medical2,000 | 6,000 | 8,000 | 10,000

Mobility aid / ambulanceUp to 4,000 across plans.

Parent support fund1,000 | 3,000 | 4,000 | 5,000

Daily hospital income50 | 100 | 150 | 250

Comprehensive additionsEvacuation 15,000–75,000; ICU 100–500/day; coma 5,000–40,000; infectious-disease recovery 200–1,000; home contents 10,000–30,000; weekly TTD 100–400.

Dependent childFree coverage percentage depends on parents’ plan; single-parent cover available at additional premium.

Strengths

StrengthRich modular add-on menu

StrengthHigh accident medical at upper tiers

StrengthClear basic versus comprehensive pricing

Watch-outs

Watch-outPrestige unavailable for Class 3

Watch-outAdd-ons create pricing complexity

Watch-outAge restrictions on upper plans

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AIG Sapphire Enhanced Choicesfigures 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 AIG or a licensed financial adviser before any decision.