PA Star

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PA Star Insurance

Your active lifestyle is important to you. And to ensure you go about your life with confidence, look to PAStar to protect you against the unforeseen. Its three pre-packaged plans with different limits will meet your needs and budget. It also offers you the added flexibility of increasing the coverage with Top-up units and broadening your protection with Optional coverage.

Features

  • Medical Treatment for accidents and 16 Specified Infectious Disease including Dengue Fever and Hand Foot Mouth Disease
  • Free Child Coverage & Baby Bonus Allowance of S$100
  • 24-hour Emergency Assistance Hotline
  • Full Terrorism Coverage
  • Weekly Income Benefit up to S$650
  • Double Hospitalization Allowance in ICU (up to 60days)
  • Free Extension Coverage for Food Poisoning, Accidental Miscarriage, Insect / Animal Bites.

For full coverage info: PA Star Brochure

Coverage

Benefits at A Glance (S$)

Basic Cover
Benefits Per Insured Adult
Standard Deluxe Elite Elite2 Elite6
A. Accidental Death (AD) $50,000 $100,000 $200,000 $300,000 $500,000
Double Indemnity for Accidental Death
- In the event of fatal accident involving both Insured Adults
$100,000 $200,000 $400,000 $600,000 $1,000,000
- As a passenger in a traffic accident
excluding acts of terrorism, up to $1m per policy
Permanent Disablement (PD)
$100,000 $200,000 $400,000 $600,000 $1,000,000
B. Medical Expenses per disability incurred
In Hospital or Outpatient Clinic
- due to Accident
$2,000 $3,000 $4,000 $5,000 $7,000
- due to Infectious Diseases (See list below)
List of 16 Specified Infectious Diseases
- Severe Acute Respiratory Syndrome (SARS)
- Dengue Fever / Dengue Hemorrhagic Fever
- Variant Creutzfeldt-Jakob Disease (vCJD) or ‘Mad Cow Disease’
- Nipah Virus Encephalitis
- Japanese Viral Encephalitis
- Malaria
- Pulmonary Tuberculosis
- Measles
- Rabies
- Melioidosis
- Hand, Foot, Mouth Disease (HFMD)
- Avian Influenza or ‘Bird Flu’ due to Influenza A viral strains
- H1N1, H5N1, H9N2, H7N7 or H7N9
- Chikungunya Fever
- Mumps
- Rubella
- Middle East Respiratory Syndrome (MERS)
$2,000 $3,000 $4,000 $5,000 $7,000
C. Daily Hospitalisation Allowance
up to 365 days if hospitalised for >24 hours due to an accident $50 $100 $150 $200 $300
D. Weekly Income Benefit
for temporary disablement up to 104 weeks $50 $100 $200 $350 $650
E. Family/Parental Allowance Per Month
for 12 months in the event of accidental death $1,000 $2,000 $3,000
F. Re-employment Benefit
upon ≥ 50% Permanent Disablement payment $500 $1,000 $2,000
G. Personal Effects & Belongings
damaged as a result of an accident payable under the policy (per policy year) $200 $300 $400
H. Emergency Medical Evacuation & Repatriation
via 24-hour hotline assistance $50,000 (per Insured Person)
$100,000 (in aggregate per policy)
I. Tuition Benefit for each Insured Child(ren) per month
for 12 months $100 $200 $300
J. Mobility Aid
purchase or rental including wheelchair, crutch or hearing aids as prescribed by the Registered Medical Practitioner $2,000 $3,000 $4,000
Free Extensions Standard Deluxe Elite Elite2 Elite6
- Accidental Miscarriage
- Full Time National Service when off-duty
- Insect / Animal Bites
- No Claim Bonus up to 25%
- Riot, Strike, Civil commotion
- Survivor Benefit - free 6 months policy extension
- Food Poisoning
- Hijack, Murder and Assault
- Motorcycling
- Reservist Training
- Suffocation by Smoke, Poisonous Fumes, Gas & Drowning
Baby Bonus Allowance
For up to 2 newborn biological children $100 Per Child
Treatment by Licensed Chinese Physicians and Chiropractors Cover
per policy period $1,000 per Accident (up to $150 per visit)
$2,000 per Insured Person
Domestic Helper Cover
per policy period $5,000 (in aggregate per policy)
Double Hospitalisation Allowance
in ICU up to 50 days if hospitalised for > 24 hours due to an accident $100 $200 $300 $400 $600
Facial Disfigurement & Reconstructive Surgery $1,000 $1,500 $2,000 $2,500 $3,500
Full Terrorism Cover
in aggregate for above sections $50,000 $100,000 $200,000 $300,000 $500,000
Recuperation Cash Allowance
due to Accidental Miscarriage $100
Trauma Counselling Expenses $1,000 $1,500 $2,000 $2,500 $3,500
BENEFITS per Insured Child Standard Deluxe Elite Elite2 Elite6
A. Accidental Death and Permanent Disablement 25% of parent’s Sum Insured based on the lower of the parent’s selected plan. Where Elite2 or Elite6 plans are selected, benefits per child will be computed based on Elite Plan.
B. Medical Expenses
C. Daily Hospitalisation Allowance
OPTIONAL COVERS
ENHANCED BENEFITS per Insured Adult
Standard Deluxe Elite Elite2 Elite6
K. ID Booster providing Daily Hospitalisation Allowance
(up to 60 days)
- Due to 16 Specified Infectious Diseases
$50 $100 $150 $200 $300
L. Education Fund
for insured child(ren) upon accidental death of the Insured Self or Insured Spouse $25,000
M. Parent’s Cover
up to 4 parents including parents-in-law if both Insured Adults are covered under the same PAStar $25,000 (upon accidental death / permanent disability)

Permanent Disablement Table of Benefits

Description of Permanent Disablement (PD)
(Please refer to our office or website for full PD Table of Benefits)
% of Capital Sum Insured Payable
1.Total paralysis of all limbs 150%
2 Total and permanent loss of all sight of
- both eyes 150%
- one eye 100%
3.Total loss of speech 50%
4.Total loss of speech and hearing in both ears 150%
5.Total loss by physical severance or total and permanent loss of use of 150%
- two whole limbs or two feet/hands 150% 150%
- one leg at hip or between hip and ankle 100% 100%
- loss of one arm at shoulder or between shoulder and wrist 100% 100%
- one hand or one foot 100%
6.Total loss by physical severance or total and permanent loss of use of both thumbs and all fingers 100%
7.Total loss by physical severance or total and permanent loss of use of index finger from 5% to 15%
8.Total loss by physical severance or total and permanent loss of use of little finger from 3% to 10%
9.Total loss by physical severance or total and permanent loss of use of toes from 3% to 18%
10.Fractured leg or patella with established non-union of leg or shortening of leg by at least five centimetres 10%
11.Third Degree Burns from 50% to 100%

Where the injury is not specified, the Company will adopt a percentage of disablement, which in its opinion is not inconsistent with the provisions of the Table of Benefits.

Premium

Auto Renewal via GIRO payment of annual premiums is available!
Click to download Interbank GIRO Application Form.

Instalment Payment Plan 6 or 12 months 0% Interest fee Instalment Payment Plan is available! Simply complete and sign Credit Card Instalment Payment Plan Application Form and submit to our office with your application form.
Click to download Credit Card Instalment Payment Plan Application Form.

Basic Cover
Enhanced Benefits Per Insured Adult
Section A to J Including Extended Benefits
Annual Premium
Standard Deluxe Elite Elite2 Elite6
Per Insured Adult
CLASS 1 $101.65 $169.06 $281.41 $388.41 $602.41
CLASS 2 $120.91 $212.93 $354.17 $486.85 $752.21
CLASS 3 $258.94 $449.40 N.A.
Per Insured Adult
If BOTH parents are covered under the same PAStar FREE for Unlimited Number of Children
If only ONE parent is covered under the same PAStar $26.75 per child $47.08 per child $79.18 per child
Optional Covers
Per Insured Adult
K. ID Booster according to plan selected $14.98 $19.26 $23.54 $28.89 $39.59
L. Education Fund Per unit of S$25,000 $26.75
M. Parent’s Cover Per Parent $32.10 per parent
Per Insured Child
K. ID Booster
- If BOTH parents are covered for ID Booster
FREE for Unlimited Number of Children
- If only ONE parent is covered for ID Booster $3.75 per child $4.82 per child $5.89 per child

Classification of Occupation

CLASS 1
Persons engaged in indoor & non-manual work in non-hazardous places
CLASS 2
Persons engaged in work of an outdoor or supervisory nature or involve occasional manual work whose duties do not involve the use of tools or machinery or exposure to any special hazard
CLASS 3
Persons engaged in manual work not of particularly hazardous nature but involving the use of tools or machinery
Examples - CLASS 1 Examples - CLASS 2 Examples - CLASS 3
  • Barber / Hairdresser
  • Beautician
  • Tailor
  • Nurse
  • Dentist / Doctor / Surgeon (Non-veterinary)
  • Indoor sales / Marketing (More than 50% in office)
  • Software Engineer
  • Management (Director, Manager, etc) with overseas travel less than 12 times a year
  • MINDEF Administrative Staff (No field training)
  • Home-maker
  • Retiree (More than 62 years old)
  • Full-Time Students (More than 16 years old)
  • Chauffeur
  • Decorator (Managing)
  • Engineer (Excluding Software Engineer)
  • Foreman (Non-Construction)
  • Outdoor Sales / Marketing
  • Surveyor
  • Insurance Agent / Property Agent
  • Assembly Line Production Worker (Not using tools & machinery)
  • Unarmed Security Guard
  • Laboratory Assistant (In schools and colleges)
  • Management (Director, Manager, etc) with overseas travel 12 or more times a year
  • Fitness / Gym Instructor
  • Baker / Chef
  • Carpenter (Not using woodworking machinery)
  • Contractor
  • Courier
  • Driver
  • Hawker / Market Stallholder
  • Motor Repairer
  • Painter (Not involving work at heights)
  • Plumber
  • Technician
  • Veterinary Surgeon

REFERRED OCCUPATIONS FOR COVER DURING OFF-DUTY HOURS
(Please refer to our office for approval) Commercial air crew and pilot, military personnel (excluding MINDEF administrative staff)

DECLINED OCCUPATIONS:
Industrial workers using heavy machinery / woodworking tools and machineries: any occupation involving aviation activities; police force personnel, fire fighters; construction / unskilled workers; ship crew or workers on board vessels, stevedores, shipbreakers; occupations involving diving, platforms, oil and gas rig worker; offshore workers; work involving heights (exceeding 30 feet above ground or floor level) and / or works underground and travel beyond normal speed on land / or handling of hazardous chemical / electricity; professional sports teams; professional divers and jockeys; welders and the like, Crane operators.

Eligibility

Who can enroll in the policy?

Singaporeans, Singapore Permanent Residents or Foreigners with valid employment pass, work permit, dependent pass, student pass and long term social visit pass between the age of 16 to 70 years old* and are domiciled in Singapore, can apply. Children from 1 month old up to 20 years old who are dependent, unmarried and unemployed natural children, legal step-children and legally adopted children of the insured self can also be enrolled in the same policy. For those in full-time tertiary institutions, the age limit will be extended to their 25th birthday. However if you need to leave home for temporary residence overseas ranging from a few months to a few years, please contact our office for separate quotation.

* Age next birthday

Exclusion

What are the main exclusions?

All Insurance policies have exclusions. Some of the major exclusions under this policy are: war, self destruction, non prescribed use of drugs, intoxication, insanity, venereal disease, AIDS, childbirth, pre-existing defects, professional sports, underwater or other hazardous activities, private aviation and full-time military duty. Covers for infectious diseases are subjected to a Pandemic Alert exclusion.

FAQs

Do I need to go for any medical examination?

No. You will be accepted based upon your health declarations on the attached Application Form.

What are the main exclusions?

All Insurance policies have exclusions. Some of the major exclusions under this policy are: war, self destruction, non prescribed use of drugs, intoxication, insanity, venereal disease, AIDS, childbirth,pre-existing defects, professional sports, underwater or other hazardous activities, private aviation and full-time military duty. Covers for infectious diseases are subjected to a Pandemic Alert exclusion.

Is there a waiting period I can make a claim under Medical Expenses due to Infectious Diseases?

Yes. There is a fourteen (14) days waiting period applicable from first inception of cover for the
insured person.

If I make a claim in one year, what happens to my “No Claim Bonus”?

Your existing ‘bonus’ entitlement which shall be earned within the first 5 years from the inception of the policy will NOT be forfeited. However, there will be no 5% increase in the sum insured on renewal for the year following the claim.

Will I be penalised for my claims made under the Policy?

No. Your renewal premium will not be increased based on your claims experience. However, your premium may be adjusted from time to time for inflation as well as for material change in risk.

My mobile phone was damaged when I sustained injuries from an accidental fall.Will my phone be covered?

This item is not covered under the Personal Effects & Belongings benefits. Other excluded items are jewelry items (but not watches), pagers, portable computers/diaries/PDAs, cameras and video equipment.

What happens if I have more than one PAStar policy with Sompo?
The policy with the highest limit will respond to any claims made.

Are all Personal Accident plans the same?

Most likely not. You will need to look out for differences in Definitions, Extensions, Tables of Benefits for Permanent Disablement and Exclusions. For example, our ‘Accident’ definition is wider than many other policies as it does not require the accident to be violent, visible or external.

What is this Free Look Benefit? Will I be entitled to premium refund if I need to cancel the policy?

Enjoy 14 days ‘Free Look’ ** from the day you receive your insurance policy. If the policy is notsuitable for you, you can arrange to cancel your policy within this period and receive a full refund on the payment made, no questions asked! Beyond the ‘Free Look’ period, we will refund you the balance premium after deducting our customa

** This is not applicable to renewals

Important Notice

Policy Owners’ Protection Scheme

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 visit www.sompo.com.sg/FAQ or the GIA / LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)

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Emergency Assist Numbers

65 6532 2522