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Income · Personal accident

PA Assurance

Personal accident plan by Income. Base premium from S$202/yr. Accidental death up to S$1,000,000, permanent disability up to S$1,500,000.

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.

Spotted a figure that looks wrong or out of date?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
BasicGroup ABaseS$202
ClassicGroup ABaseS$314
SuperiorGroup ABaseS$425
PremiumGroup ABaseS$744
PrestigeGroup ABaseS$968
BasicGroup BBaseS$343
ClassicGroup BBaseS$530
SuperiorGroup BBaseS$719
PremiumGroup BBaseS$1,065
PrestigeGroup BBaseS$1,527
BasicGroup ABase + Infectious DiseaseS$221
ClassicGroup ABase + Infectious DiseaseS$355
SuperiorGroup ABase + Infectious DiseaseS$489
PremiumGroup ABase + Infectious DiseaseS$856
PrestigeGroup ABase + Infectious DiseaseS$1,112
BasicGroup BBase + Infectious DiseaseS$376
ClassicGroup BBase + Infectious DiseaseS$603
SuperiorGroup BBase + Infectious DiseaseS$835
PremiumGroup BBase + Infectious DiseaseS$1,234
PrestigeGroup BBase + Infectious DiseaseS$1,763

Plan facts

Occupation basisGroup A / Group B
Entry age15 days to age 70 (subject to current terms)
Renewal / continuationMay continue to age 80 subject to renewal terms
PricingPublished schedule
PlansBasic · Classic · Superior · Premium · Prestige

Benefits

Accidental death100,000 | 200,000 | 300,000 | 500,000 | 1,000,000
Permanent disability150,000 | 300,000 | 450,000 | 750,000 | 1,500,000
Accident medical2,000 | 3,000 | 5,000 | 10,000 | 20,000
TCM / chiropractic500 | 750 | 1,000 | 1,250 | 1,500
Daily hospital cash100 | 150 | 200 | 300 | 400
Weekly income100 | 150 | 200 | 300 | 500
Evacuation / repatriation50,000 across plans
Infectious diseaseOptional cover for 26 named diseases; hospital-expense headline up to 25,000 including outpatient injury limit up to 20,000
Family / recoveryICU cash, home modification, fracture diagnostics and family support fund are included subject to plan limits.

The balanced take

AI-drafted · human-reviewed · 14 Jul 2026

A high-ceiling capital plan with one of the strongest disability payouts in the retail market, best suited to buyers who want large lump-sum protection and read the occupation and activity wording closely.

Commonly praised

  • Among the highest disability payout ceilings on the market
  • Clear five-tier structure with occupation grouping
  • Optional broad infectious-disease cover

Common trade-offs

  • Premium steps up noticeably for higher-risk (Group B) jobs
  • Big headline sums don't mean every injury pays in full
  • Check motorcycle and sports wording before buying

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.

Community reviews

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Speak to an adviser about Income PA Assurance

An adviser can help you:

  • Match the plan and tier to your occupation, activities and budget
  • Weigh the trade-offs above against comparable plans
  • Get a firm quote — including plans that only price on request
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Income PA Assurancefigures 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 Income or a licensed financial adviser before any decision.