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Aviva Personal Accident Insurance: Cheapest plan with competitive benefits

One of the lowest priced personal accident plans on the market.
Pros:
  • Animal bites, leisure and sports cover
  • Full Terrorism Cover
  • Automatically covers your Child(ren) for up to 20% of the applicable limits detailed on your Summary of Cover
Cons:
  • No cover for aerial and underwater activities
  • No benefits claimable for pre-existing medical conditions
  • No coverage for heavy manual work or any manual work with use or control of machinery or with exposure to extraordinary health, accidental or special hazard
Aviva offers 3 tiers of plan (Lite, Standard, Plus) to cater for individual needs and budgets. The coverage for occupation is based on 2 classes of occupations ONLY: (1) engaged in only indoor desk-bound administrative, clerical, executive, managerial or professional duties on land of a non-manual nature. (2) You are not in Class 1 and are engaged in duties on land involving light manual work without any use or control of machinery and with no exposure to extraordinary health, or accidental or special hazard. Aviva does not provide personal accident insurance if you are engaged in duties involving heavy manual work or any manual work with use or control of machinery or with exposure to extraordinary health, accidental or special hazard.
Summary of Product
Diseases Cover
Illness or injury caused by animal bites including Dengue or Zika.
Leisure and Sports Activities Cover
Aviva covers for list of recreational activities (such as horse riding/hacking, badminton, canoeing, hot air ballooning, etc as stated in the policy document).
Daily Hospital Allowance (up to 30 days)
Pays for each complete 24-hour period that you are confined as an in-patient at a hospital for the sole purpose of treatment of your accidental injury.
Personal Liability
Reimburses for any accidental bodily injury or damage to third party property caused by you.
Weekly Temporary Disablement Benefit (up to 104 weeks)
Pays for each complete 7-day period that you remain continuously disabled due solely and directly to your accidental Injury and are unable to attend to over 50% of normal duties of your gainful employment.
Mobility Aid and Ambulance Services Reimbursement
Reimburses for mobility aid prescribed by your doctor and any necessary ambulance services incurred as a sole and direct result of your accidental injury.

Table of Content

Exclusions

Exclusions Exclusions
Pre-existing conditions Aerial and underwater activities
Any side effect of medication Bicycling on expressways
Any gradual loss of use or function which is not a direct result of an accident Any allergy, condition, disease, illness, infirmity, sickness, bacterial or viral infection as a result of your accidental injury
Any known risks associated with any medical or surgical procedure Engagement in heavy manual labour or hazardous occupations
War, invasion, act of foreign enemy, hostilities or a war-like operation or operations (whether war be declared or not), civil war, mutiny, rebellion, revolution, military rising, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power Cycling/Motorcycling as a rider or passenger on a machine above 125cc; Motorcycling as a rider, on a machine 125cc or under, without a valid motorcycle license; Motorcycling on a machine 125cc or under without wearing a crash helmet

Types of Plan

Aviva Personal Accident plans offer value-for-money options with competitive pricing and comparable benefits. Three tiers of plans are available: PA Lite, PA Standard, PA Plus. For more details on benefits and limitations, please refer to policy wordings.
Plan Type Accidental Death Permanent and Total Disablement Medical Expenses
PA Lite $100,000 $100,000 $3,000
PA Standard $200,000 $200,000 $4,000
PA Plus $300,000 $300,000 $5,000
Add-Ons/ Riders (Optional): Weekly Temporary Disablement Benefit (up to 104 weeks); Mobility Aid and Ambulance Services Reimbursement.
PA Lite
Ideal for those who are on a tight budget and in search for a reasonable accidental death, permanent/ total disablement, and medical expense benefits. Personal liability cover limit is at $100,000.
PA Standard
Aviva PA Standard Plan is highly recommended to those who want to double their accidental death and permanent/ total disablement cover for an acceptable increase in premium. Personal liability cover limit is at $200,000.
PA Plus
This is a good fit for the average worker in a low-risk, skilled or semi-skilled profession who want higher cover for a relatively affordable premium. Personal liability cover limit is at $300,000.

Comparison

The below are some comparisons across the different tier of plans on pricing for different occupation classes as well as benefits. The occupation class are defined as: (1) White Collar/ Office Worker; (2) Sales/ Light Manual Worker; (3) Skilled and Semi-skilled Manual Worker; (4) Heavy Manual/ Unskilled Worker.
Basic Tier Plan
PA Lite Industry Average
Annual Premium (Class 1) $86 $133
Annual Premium (Class 2) $103 $140
Annual Premium (Class 3) NA $246
Annual Premium (Class 4) NA $343
Accidental Death Payout $100,000 $95,000
Medical Expenses Limit $3,000 $2,200
Mid Tier Plan
PA Standard Industry Average
Annual Premium (Class 1) $154 $222
Annual Premium (Class 2) $182 $234
Annual Premium (Class 3) NA $410
Annual Premium (Class 4) NA $542
Accidental Death Payout $200,000 $200,000
Medical Expenses Payout $4,000 $3,650
Top Shelf Plan
PA Plus Industry Average
Annual Premium (Class 1) $234 $360
Annual Premium (Class 2) $274 $389
Annual Premium (Class 3) NA $660
Annual Premium (Class 4) NA $880
Accidental Death Payout $300,000 $345,000
Medical Expenses Limit $5,000 $5,350

How to Claim

Phone: +65 6322 2022

Email: For information such as claims amount, negotiation or appeals, please email us GI_Claims@aviva-asia.com

Address: 4 Shenton Way, #01-01 SGX Centre 2, Singapore 068807

Operating Hours: Monday to Friday, 8:45am to 5:30pm, (Excluding Saturdays, Sundays and Public Holidays.)

Website: Submit under Make a Claim section

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