Prestige PACare | Premium Personal Accident Plan

Enjoy coverage of up to S$3.5 million against accidents

A premium personal accident plan designed to provide the greatest peace of mind, Prestige PACare offers the ultimate coverage of up to S$3.5 million for permanent disability or death due to an accident – this assurance of high financial security lets you focus on the more important things in life. 

The plan also offers you optional reimbursement of medical expenses of up to S$20,000 per accident, and round-the-clock emergency assistance, worldwide.

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Key benefits

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    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.

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    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 treatments.

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    Get 24-hour emergency help, worldwide

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

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    Enjoy renewability until age 75

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

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    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.

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*, meets with an accident while on a business trip in France.  Daniel suffers paralysis due to a head injury caused by the accident.  

  • His family receives a lump sum payout of up to S$1,000,000
  • They are also reimbursed up to S$20,000 for his medical expenses1
  • Although Daniel is no longer able to work and provide his family, the plan’s large payout help pays for his post-accident living and care arrangements, and ensures his family will be looked after

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Understand the details before buying

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.

* Premium rates are rounded to the nearest dollar and include 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.

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 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 ( or

You may wish to seek advice from a qualified adviser before buying 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 the Chinese versions, the English version shall prevail.

Information correct as at 22 December 2022.

Enhance your coverage

Check out products that supplement your coverage on top of what Prestige PACare provides