Best Personal Accident Insurance Plans For Foreigners In Singapore

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In the heady excitement of settling into your new life in a new country, it’s easy to leave the hidden necessities on the back burner and regret it later. Your insurance coverage is one of them—specifically, personal accident.

If you’re a foreigner with an Employment Pass, S-pass or Dependent Pass based in Singapore, there’s a chance you might be here on a cushy expatriate package, with insurance included for your basic protection needs.

But hey, we’re in a situation where times are tough. If you happen to be in the tourism, F&B or aviation industries, there are valid reasons for you to be a little worried about what the future might hold, and also what little bit extra you can do now to protect against risks.

Also, if you’re a trailing spouse with a sideline business or a foreigner who’s left the rat race and decided to build a small start-up, it is worthwhile to look into what you need to get a basic insurance portfolio together.

In fact, even as an expatriate with health and medical insurance cover, you might want to invest a small sum to protect yourself (don’t forget the children, if any) with personal accident insurance, especially one that covers infectious diseases in this season of COVID-19.

The good news is, personal accident plans are affordable and can be purchased by foreigners in Singapore for the same premium (unlike say, Shield plans which might be differently priced for foreigners).

Why should expatriates buy a personal accident plan?

All the reasons that would’ve applied to locals would apply here too: 

  1. Singapore may be one of the safest cities in the world but you are not immune to accidents. It can happen to anyone, anywhere, at any time.
  2. Outpatient and inpatient medical expenses, hospitalisation benefits, and accidental death and disability payout go a long way in coping with emergencies.
  3. Personal accident plans come at a relatively low premium. 

For foreigners in Singapore who are self-employed or freelancing, buying a personal accident plan gives them some fundamental cover that they might have otherwise enjoyed if they were working for a big MNC with an expat package.

For those who find themselves in an unfortunate position of being terminated from employment and having their group insurance benefits taken away, having some kind of basic personal protection plan gives some measure of peace of mind.

And while you might indeed have purchased a personal accident plan in your home country, the cover (even if the plan does offer global coverage) might not extend to your long-term stay in Singapore (there is usually a maximum number of days you can stay overseas for the coverage only). 

The best bet is to buy a local plan, as it is quite affordable to do so anyway.

Which personal accident plans should expatriates buy?

ProductAnnual Premium 
(Original pricing is displayed here. Insurers may offer seasonal promotions.)
What’s useful
FWD Personal Accident and Infectious Disease Coverage$98– $100,000 sum assured for accidents, $50,000 for COVID-19 
– Coverage includes COVID-19 and 23 other infectious diseases 
– Up to $4,000 in accident-related medical expenses 
– Up to $100/day in hospital cash
Up to $500 and $1,000 in chiropractic and physiotherapy treatments respectively
– Coverage includes food poisoning
Aviva PA (Lite)$171– $100,000 sum assured
– Up to $3,000 in in/outpatient medical expenses
– Automatic cover for children (for up to 20% of applicable limits of policy)
– $100,000 personal liability
NTUC Income PA Assurance$198– $100,000 sum assured
– Complimentary coverage for COVID-19
– Add on a rider to enjoy coverage for 21 infectious diseases
– Coverage includes motorcycling risks and food poisoning
– Up to $35,000 child support fund
AXA SmartPA Protect (Silver)$158– Higher death & disability coverage of $150,000 and $225,000
– Physiotherapy and chiropractic therapy of up to $1,000
– Family Shield (rider) covers hospitalisation of up to $150,000
Sompo PA Star (Deluxe)$192.60– $100,000 sum assured
– Higher in/outpatient medical expenses coverage at $3,000
– Free child cover (25% of adult benefits)
Domestic helper cover 
– Guardian angel benefit: $1,000/month for 12 months

FWD Personal Accident and Infectious Disease Coverage

At a time when virus worries are top of mind (in addition to Dengue, another prevalent infectious disease with growing numbers in Singapore), this plan that is launched exclusively by SingSaver and FWD Singapore gives an added peace of mind because of the comprehensive COVID-19 and infectious disease-related benefits it offers. 

For instance, if you were hospitalised for COVID-19, you’re eligible for medical claims of up to $1,000 (note: The Singapore government doesn’t cover hospital ward stays). If you were, instead, checked in for accidental injuries, you can claim up to a generous $4,000.

In addition, you might be interested to know that this plan includes food poisoning. It is never a fun time having to deal with aggravated bouts of vomiting and diarrhoea, so this one’s for you if you’re on the wrong end of a foodie adventure in Singapore.  

Starting at $98/year (individual cover) without occupational loading (premium remains the same for high-risk jobs), this is probably the best value you could find on the market to fortify what your company might already be offering.

Read all about it here


[New] SingSaver Exclusive: FWD Personal Accident and Infectious Disease Coverage

SingSaver has partnered FWD Singapore to offer an exclusive plan that boasts both personal accident and the widest suite of infectious disease coverage (including COVID-19), for an annual premium of $98. It’s the first on the market to cover accidents and 24 infectious diseases at such value.

Here are all the details you need to know about the FWD Personal Accident and Infectious Disease Coverage offered on SingSaver.


Aviva Personal Accident (Lite)

Aviva’s most basic personal accident offering is a solid one if you’re new to the country and you’re looking to settle into a starter plan with decent coverage fast.

This is also a boon for expats who have brought their families over as it automatically offers free cover for children (up to a limit of 20% of policy benefits only), without having to name them. In terms of medical expenses coverage, while many other plans offer an average of $1,000 to $2,000 for in/outpatient treatments, this has slightly higher payout of up to $3,000—one of the highest for both local and overseas medicals.

In the event there is an accident that, unfortunately, caused collateral damage, you’re insured for a maximum of $100,000 in personal liabilities, which is the same amount as the accidental sum assured.

NTUC Income PA Assurance

NTUC Income’s PA Assurance has been a popular choice for several reasons. If you’re in the market for strong family coverage on top of individual needs, this plan offers complimentary COVID-19 coverage and inclusion of physiotherapy/chiropractor ($1,000/$500), on top of $100,000 in sum assured. 

Unlike most other plans, fractures are covered up to $1,000—great for those who regularly engage in sporting activities or simply have tendencies of clumsiness. In addition to the expected accidental death and disability covers, NTUC Income PA Assurance offers a child support fund up to $35,000 (in case of death of policyholder). A rider is available to bolster coverage for 21 infectious diseases other than COVID-19.

AXA SmartPA Protect (Silver)

With even higher than most accidental death coverage of $150,000 and disability coverage of $225,000, this plan is worth considering, especially if you are lacking in any form of life insurance coverage. You also get free COVID-19 coverage until September this year (yay!) and pretty high inpatient medical expenses coverage of up to $4,000.  

You can also consider their add-on rider at $39 to cover your family, such as the Family Shield feature. It pays a lump sum of $15,000 to your surviving spouse or child. That’s not it; the add-on contains a whole suite of gems like a fractures benefit of $2,000 and daily hospital cash of $50. You could also get paid a home recuperation benefit of $1,000, a wonderful stack-up after you’re discharged.

Sompo PA Star

Sompo’s offering is worth considering as it ticks all the boxes for accidental death and disability protection, with a few interesting extras. They offer slightly higher limits for free child cover (25% as compared to 20% for Aviva’s option) and goodwill cash gift of $100 for every birth of your child (up to two newborn children, while the policy is in force). 

One other thing of note is that this plan also offers a domestic helper cover of up to $5,000 per policy period; with this in place, your entire household’s basic personal accident insurance needs are taken care of.

Ready to purchase a Personal Accident plan for yourself and your family?

Contact SingSaver Insurance Broker Pte.Ltd.at insurance_enquiry@singsaver.com.sg or call +65 31382648 if you have any enquiries on coverage related to personal accident plans.

Read these next:
4 Reasons Why You Need Personal Accident Insurance If You’re Into Sports
5 Things That Can Void Your Personal Accident Insurance Claims
Infectious Diseases Insurance: Best Plans To Protect Yourself
Personal Accident Insurance Claims: A Simple 4-Step Guide
Best Personal Loans For Foreigners Living In Singapore (2020)


By Ana Ow
Ana has been a travel writer for various news outlets since 2007 and has a passion for crossing things off her bucket list (tiger safari in India, checked; meeting with the Dalai Lama in Ladakh, checked; Northern Lights sighting in Norway, checked thrice). She loves collecting visits to UNESCO World Heritage Sites (preferably with her husband and two children) and is obsessed with Disney parks and cruises.