What does personal accident insurance actually cover

What does personal accident insurance actually cover?
Life can change in an instant. A slip on the stairs, a sports injury, or even a minor road accident can lead to unexpected medical bills and disruptions to your daily routine. While many people focus on health insurance, personal accident insurance is another important form of protection that is often overlooked.

So, what does personal accident insurance actually cover, and why does it matter?

Understanding personal accident insurance
UOI UniPA Insurance is designed to provide financial protection if you suffer injuries caused by an accident. Unlike regular health insurance, which mainly focuses on illness and hospitalisation, personal accident insurance specifically covers accidental injuries and related expenses.

This means support for situations such as:

• Slips and falls
• Sports related injuries
• Accidental fractures or burns
• Injuries while travelling overseas

With UniPA Insurance, coverage is available worldwide, 24 hours a day, helping individuals and families stay protected wherever life takes them.

More than medical bills after an accident
The impact of an accident is not always limited to the injury itself. Depending on the severity of the accident, it may also affect your income, mobility, daily responsibilities, family routine, and financial commitments.

This is where personal accident insurance can play a wider role. Beyond the usual accident benefits, with UniPA Insurance offers optional benefits that can provide extra support when recovery affects different parts of everyday life.

For example, if an accident leads to hospitalisation or a longer recovery period, cash support benefits may help cushion the financial impact. These may include daily hospitalisation income, daily intensive care unit income, daily high dependency ward income, weekly recuperation income, and a get you home benefit.

If the accident affects mobility or the ability to manage daily living, additional assistance benefits may help with support such as home nursing care, maid recruitment fees, personal mobility aids, and home modification aids.

Accidents can also create pressure on lifestyle and financial commitments. Optional lifestyle assistance benefits may help with areas such as home loan protection, car loan protection, credit card payment protection, personal possessions, and even pet support care.

These benefits can help the injured insured person and their family manage the wider disruption caused by an accident, not just the immediate medical costs.

What is usually covered?
1) Accidental death and permanent disability
One of the core benefits of personal accident insurance is coverage for accidental death and permanent total disability. This provides financial support to you or your loved ones if a serious accident causes permanent life changing consequences.

For example, with UniPA Insurance offers coverage for accidental death and permanent total disability with different plan tiers to suit different needs.

An additional feature included is a complimentary No Claim Bonus, where the accidental death benefit increases by 5% each year for up to five years if no claims are made.

2) Medical expenses after an accident
Accidents often come with unexpected medical costs. UniPA Insurance can help cover expenses related to treatment after an accident, reducing the financial burden during recovery.

This may include:

• In patient and outpatient medical treatment
• Emergency ambulance services
• Physiotherapy recommended by a doctor
• Traditional Chinese Medicine or chiropractic treatment

UniPA Insurance includes coverage for these accident related medical expenses, with limits depending on the selected plan.

3) Emergency medical evacuation overseas
Many people associate accidents with daily life in Singapore, but emergencies can also happen while travelling.

UniPA Insurance includes emergency medical evacuation and repatriation benefits. This can help arrange transportation to appropriate medical facilities or assist with returning home after a serious accident overseas. This worldwide protection can provide greater peace of mind for frequent travellers and families going on holidays.

4) Infectious disease extension
UniPA Insurance offers an infectious disease extension benefit, which can provide support for selected benefits such as in patient and outpatient medical expenses, as well as emergency medical evacuation and repatriation, subject to policy terms and benefit limits. This gives policyholders added flexibility when choosing protection that better fits their needs.

5) Off duty coverage
For individuals in higher risk occupations, UniPA Insurance coverage may still be available on an off-duty basis. This means they may be covered for accidents that happen outside of work and outside their work premises, subject to the policy terms and occupational class declaration.

This can be useful for individuals who may face higher risks at work but still want personal protection for their everyday life outside of work, such as during family time, exercise, personal activities, or travel.

Do you need a medical check up?
One common misconception is that accident insurance requires complicated health screenings.

For UniPA Insurance, no medical check up is required for enrolment, making the process more convenient and accessible.

Click here to learn more.

Making a more informed decision
UOI UniPA Insurance is not just about having protection after an accident. It is about understanding how the right coverage can support you and your family when an accident affects your health, recovery, lifestyle, and financial commitments.

By knowing what you are paying for and how the benefits apply in real situations, you can choose coverage that better aligns with your personal needs, occupation, lifestyle, and financial comfort.

Secure your PA insurance today. Speak to your advisor, apply online with UOI for immediate coverage, or call UOI at 6222 7733.