Prestige PACare

Personal Accident Insurance

Prestige PACare

Enjoy coverage of up to S$3.5 million against accidents

We’re all different, that’s why AccidentCare Plus II is tailored to meet individual needs. Offering year-round coverage against accidents across the globe, this fully customisable personal accident insurance plan lets you choose protection to suit both your needs as well as budget.


As a Life Company, our focus is on our customers' health & wellbeing and we are pleased to extend complimentary Zika coverage to provide you with the much needed protection. AccidentCare Plus II is enhanced to provide death benefits, medical expenses reimbursement and Microcephaly payout due to Zika virus infection.


You can refer to the Terms and Conditions of the Zika Coverage here.

Key benefits


Be assured of up to S$3.5 million

In case of permanent disablement or death due to an accident, the high sum assured of S$1 million to S$3.5 million will ensure financial security.


Get 24-hour emergency help, worldwide

Need emergency medical assistance while you’re out of Singapore? The plan has you covered, anywhere, anytime.


Enjoy renewal discount

From the second year onwards, you'll get a 5% renewal discount on your premium, even if you’ve made claims under the plan.


Be reimbursed for medical expenses

You’ll get back up to S$20,000 per accident on expenses1 such as mobility aids as well as Traditional Chinese Medicine (TCM) and chiropractic treatments2 .


Enjoy renewability until age 75

You’ll be able to renew your plan annually until you turn 75.

How Prestige PACare works


Legacy planning: To enjoy high lifelong coverage that helps you safeguard your legacy, consider Prestige Life Gold.


Critical illness: To help pay for treatment expenses across three stages of illness - early, intermediate and critical - consider Critical Care Advantage.


Loss of income: To protect yourself against losing your monthly income because of illness or injury, consider Pay Assure.

This is an optional feature of the plan.


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.


Premiums are not guaranteed and may be adjusted based on future experience.

This policy is only for Singapore Citizens/Permanent Residents (PRs). If you are not a Singapore Citizen/PR, you have to meet certain residency requirements before you can apply for a policy or renew it.


The above 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.


This plan 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 ( or


In case of discrepancy between the English and the Chinese versions, the English version shall prevail.


Information correct as on 27 February 2015.