Prestige PACare
Prestige PACare | Premium Personal Accident Plan
Your guardian in life’s unpredictable moments
Prestige PACare is a premium personal accident plan that enables you and your loved ones to continue enjoying your quality of life while living life to the fullest in the event of an accident.
With high 24/7 worldwide coverage of up to S$3.5 million for permanent disablement or death due to an accident, have a new level of confidence as you navigate life’s uncertainties, knowing that we are here to protect you every step of the way.
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Key benefits
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Enjoy up to S$3.5 million coverage against accidents
Get optimal, high accident coverage between S$1 million and S$3.5 million for permanent disablement or death due to an accident that is customised to your standard of living to support you and your family’s financial security.
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Medical Expense Reimbursement up to S$20,000 for each & every Accident
Option to supplement with additional coverage1 and get up to S$20,000 per accident on expenses such as mobility aids as well as Traditional Chinese Medicine (TCM) and chiropractic treatments2. With this extensive coverage, you can have the flexibility to decide alternative medical care and treatments to speed up your recovery process.
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Assurance of 24-hour emergency assistance1, worldwide
Designed to safeguard you globally, you are supported by our 24-hour Alarm Centre to help with any emergency medical, legal referral or relevant administrative assistance whether you are at home, traveling or working abroad.
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Worldwide protection that covers terrorism3
Acts of terror can occur any time any place. Enjoy 24/7 worldwide protection against any act of terrorism3.
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Enjoy guaranteed renewability and 5% renewal discount
Renew your plan annually until age 75. Additionally, enjoy a 5% renewal discount on your premium, starting from the 2nd policy year, regardless of any claims made under the plan.
How Prestige PACare works
Daniel, management consultant, who is covered by Prestige PACare with a sum assured of S$1,000,000 and a yearly premium of S$1,325* inclusive of the optional supplement, met with an accident while on a business trip in France. Due to the head injury caused by the accident, Daniel became completely paralysed and suffers from Total and Permanent Disability (TPD).
- His family receives a lump sum payout of S$1,500,000.
- They are also reimbursed with up to S$20,000 for his medical expenses1.
- Although Daniel is no longer able to work and support his family financially after the accident, the plan's payout helps to cushion the financial impact by paying for his post-accident living costs and care arrangements, and ensures that his family is taken care of at the same time.
Let us match you with a qualified financial representative
Our financial representative will answer any questions you may have about our products and planning.
Understand the details before buying
1 This is an optional feature of the plan.
2 Up to S$20,000 per accident for medical expenses, including up to S$500 for treatment by a Traditional Chinese Medicine (TCM) practitioner registered with the Ministry of Health in Singapore, or a qualified chiropractor who holds a degree in chiropractic medicine and is registered with a recognised chiropractic organisation. The plan also reimburses up to S$1,000 for expenses on mobility aids.
3 Up to a benefit limit of S$2 million per life assured, under this plan and all other plans or riders providing similar benefits on terrorism.
* The annual premium illustrated is rounded to the nearest dollar and inclusive of the prevailing rate of GST. The prevailing rate of GST is subject to change. The premium rates for this policy are not guaranteed and may be adjusted based on future experience.
All ages specified refer to age next birthday.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
This brochure applies mainly to Singapore Citizen/Permanent Resident. If you are not a Singapore Citizen/Permanent Resident, you have to meet certain residency requirements before you can apply for a policy or renew it.
This brochure is for general information only. It is not a contract of insurance. The precise terms and conditions of this insurance plan are specified in the policy contract.
It is usually detrimental to replace an existing accident and health plan with a new one. A penalty may be imposed for early plan termination and the new plan may cost more or have less benefits at the same cost.
You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.
In case of discrepancy between the English and Chinese versions, the English version shall prevail.
This policy 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. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
Information correct as at 8 May 2024.