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.

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

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.

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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	Comprehensive	S$772
Standard	Occupation Class 3	Comprehensive	S$453
Preferred	Occupation Class 3	Comprehensive	S$763
Deluxe	Occupation Class 3	Comprehensive	S$988
Prestige	Occupation Class 3	Comprehensive	—

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.

The balanced take

AI-drafted · human-reviewed · 14 Jul 2026

A richly modular plan with high accident-medical cover at upper tiers and clear basic-versus-comprehensive pricing, where the add-on menu is both the strength and the complexity.

Commonly praised

Rich menu of modular add-ons
High accident-medical cover at upper tiers
Clear basic-versus-comprehensive pricing

Common trade-offs

Top (Prestige) tier not offered for manual jobs
Add-ons create pricing complexity
Age restrictions apply on the upper plans

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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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.