Prudential Accident Insurance

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The most popular Prudential Accident Insurance plan is called Comprehensive Personal Accident III. It provides benefits as below:

Provides financial protection against death and injury due to accidents
Pays the Accidental Death and Dismemberment(ADD) sum assured in one lump sum if the life assured dies from an accident, or a percentage of the ADD sum assured if the life assured loses the use of a particular part of the body from an accident
The ADD III benefit will be doubled if the life assured was travelling in a private conveyance at the time of accidental death or injury.
The ADD III benefit will be tripled if the life assured was travelling in a public conveyance at the time of accidental or injury.

Double and Triple BenefitWe pay double or triple the Accidental Death and Dismemberment III benefit when accidental death or accidental injury occurs under the following circumstances:

Double and Triple Benefit Schedule	Benefit Payable
When the life assured sustains the accidental injury or dies while travelling in a private conveyance.	Accidental Death and Dismemberment III benefit will be doubled
For a life assured, age below 1 year to age 14 years, who sustains the accidental injury or accidental death when he/she is: within the school premises on a school day or during school activities organised and supervised by the school authorities; or taking part in school activities organised and supervised by the school authorities outside the school premises; or travelling as a passenger directly on a School Bus, Private Bus or Excursion Bus to and from School or place where the school activities take place.	Accidental Death and Dismemberment III benefit will be doubled
When the life assured sustains the accidental injury or dies while travelling in a public conveyance	Accidental Death and Dismemberment III benefit will be tripled

Provides option to select for Weekly Income III and Medical Reimbursement III benefits
- Medical Reimbursement III benefit – reimburses medical expenses incurred as a result of an accident up to the Medical Reimbursement sum assured.
  - Traditional Chinese Medicine treatment expenses are included and you may claim up to a sum assured of $500 per accident. The sum assured for TCM treatment expenses forms part of the total sum assured for Medical Reimbursement III benefit.
- Weekly Income III benefit – pays weekly income if the life assured becomes totally and continuously disabled from an accidental injury arising within 90 days after the occurance of an accident, and cannot engage in all duties of his or her usual occupation, business or activities for a period of at least 7 consecutive days, the life assured shall receive the Weekly Income III benefit or a pro-rata sum, if the disability does not extend for the full 7 days.
Reduction of Benefits to 75% or 50% due to high-risk activities
Additional benefit for large sum assured policies*
Covers acts of Terrorism except by nuclear, biological and chemical means
Cover military or police service of peace-time nature, namely normal training rangework and military exercises including National Service under Section 10 of the Enlistment Act Cap 93 of the Republic of Singapore

As Independent Financial Consultants, we provide insurance plans from most of insurance companies. We list several popular Personal Accident insurance plans from different insurance company for your comparison as below:

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