Personal Accident Insurance

Protection<i>Plus</i><br/><sub>Personal Accident Insurance</sub>

Product Description

Protects you from loss of income when you get into an accident. 

Key features

  • Permanent and Total Disablement Cover
    ProtectionPlus is a personal accident insurance plan featuring a high permanent and total disablement payout of up to $375,000
  • Hospitalisation Cash Benefit
    We pay a $200* daily hospital cash benefit for a maximum of 50 days if you meet with an accident.
  • Temporary Total Disablement Cover
    You and your family will be supported with a monthly income of $2,600* for up to 2 years if you are unable to work due to temporary total disablement.

Plan highlights

Bereavement Grant
The plan offers a $10,000* bereavement grant, one of the most generous in the market.

Bonus Cover
Protect your entire family with free cover for up to 3 children when you and your spouse enrol for ProtectionPlus at the same time.

Third Degree Burns Cover
Provide cover for third degree burns arising out of any injury

Value-added Covers
Value-added covers for motorcycling as a rider or pillion rider, Injuries during reservist training and leisure sports like snorkelling, wakeboarding and bungee-jumping, plus access to MSIG Assist helpline in the event of an emergency overseas.

*Cover and limits are based on Platinum Plan.

simple to buy
Simple to Buy

Protect yourself easily by purchasing our personal accident plan online.

Claims Made Easy
Claims Made Easy

We keep our process as simple as possible to bring your personal accident claim to a fair settlement.


Plan details

Basic Cover
Adult Cover
  Silver Plan Gold Plan Platinum Plan

A. Death

$100,000 $150,000 $250,000

B. Permanent and Total Disablement

$150,000 $225,000 $375,000

C. Permanent and Partial Disablement (as per table)

Up to $100,000 Up to $150,000 Up to $250,000
  Sum payable as a % of Permanent and Total Disablement
1. Loss of one or both arms (between shoulder and wrist) 100%
2. Loss of one or both legs (between hip and ankle) 100%
3. Loss of sight in one or both eyes 100%
4. Loss of sight in one eye except for perception of light 50%
5. Loss of lens of one eye 50%
6. Loss of hearing in both ears 75%
7. Loss of hearing in one ear 15%
8. Loss of speech 50%
9. Loss of four fingers and thumb of one hand 50%
10. Loss of four fingers of one hand 40%
11. Loss of thumb - one phalanx or two phalanges 20%
12. Loss of finger - three phalanges 10%
13. Loss of finger - two phalanges 5%
14. Loss of finger - one phalanx 3%
15. Loss of all toes of one foot 17%
16. Loss of great toe - one phalanx or two phalanges 5%
17. Loss of any toe other than great toe - one phalanx or two phalanges 3%
18. 3rd Degree Burns from 25% to 100%

Where the injury is not specified above (other than loss of sense of taste or smell where no compensation is payable) the amount will be determined based on the degree of disablement as assessed by our medical advisors.

D1. Temporary Total Disablement (TTD)

Inability to engage or attend to the usual employment or occupation (up to 104 weeks)

$100 per week $300 per week $600 per week

D2. Temporary Partial Disablement (TPD)

Inability to engage or attend to the usual employment or occupation (up to 104 weeks)

$50 per week $150 per week $300 per week

E. Worldwide Medical Expenses

Includes Traditional Chinese Medicine, Accidental Dental and Mobility Aids

$1,000 $3,000 $5,000

F. Hospitalisation Cash Benefit

Hospitalisation for at least 24 hours after accident

$50 per day
(Max $2,500)
$100 per day
(Max $5,000)
$200 per day
(Max $10,000)

G. Recuperation Benefit

Hospitalisation for more than 14 consecutive days

$100 $250 $500

H. Bereavement Grant

Following death by accident

$3,000 $5,000 $10,000


Excluding biological, chemical agents and nuclear devices

Covered up to the Sums Insured on Death at the first inception of the insurance    
Important Notes:

Bonus Cover At No Extra Cost!

10% increased cover for Death and Permanent Disablement each year, up to the 3rd renewal. That's 30% extra cover from the 4th year, absolutely FREE! (if no claim is made in the preceding year)

Child Cover
  Silver Plan Gold Plan Platinum Plan

A. Death

$10,000 $15,000 $25,000

B. Permanent and Total Disablement

$15,000  $22,500  $37,500 

C. Medical Expenses

$100  $300  $500
Important Notes:

Cover For Your Child(ren):

  1. Up to 3 children covered for FREE when you and your spouse enrol at the same time
  2. Up to 3 children covered if you or your spouse alone enrols with the children – Subject to benefits and premium listed below
Annual Premiums (inclusive of 7% GST) Silver Plan Gold Plan Platinum Plan

Group 1 occupations: Professional, managerial, administrative personnel engaged in indoor and non-manual work.

Examples: Managers, Executives, Administrative, Teachers, Architects, Lawyers, Doctors, Nurses, Surgeons (non-veterinary), Indoor Salespersons, Retirees, Homemakers

Applicant $123.05 $208.65 $347.75
Spouse $110.75 $187.79 $312.98
Applicant and Spouse $233.80 $396.44 $660.73

Group 2 occupations: Supervisory and occupations of an outdoor nature or light manual duties not involving the use of tools or machinery of special hazards

Examples: Outdoor Salespersons, Property Agents, Engineers, Surveyors, Supervisors, Non-electrical Technicians, Tour Guides, Hairdressers, Beauticians, Students, Waiters, Cleaners, Storekeepers, Fitness Instructors, Veterinary Surgeons

Applicant $151.94 $256.80 $428.00
Spouse $136.75 $231.12 $385.20
Applicant and Spouse $288.69 $487.92 $813.20

Group 3 occupations: Occupations involving manual work or use of tools or machinery in light industries

Examples: Cooks, Bakers, Kitchen Helpers, Drivers of Buses, Lorries, Taxi, Dispatch Riders, Delivery, Hawkers, Production Workers, Packers, Mechanics, Plumbers, Renovation Workers, Electrical Technicians

Applicant $203.30 $347.75 N.A
Spouse $182.97 $312.98 N.A
Applicant and Spouse $386.27 $660.73 N.A

Annual Premium per Child (inclusive of 7% GST)

Child $10.70 $16.05 $26.75
Important Notes:

Cover For Your Child(ren)

  1. Up to 3 children covered for free when you and your spouse enrol at the same time
  2. Up to 3 children covered if you alone enrol with the children – subject to the premium above
No. Questions & Answers

What is the definition of an Accident under this insurance?

An Accident refers to an event which happens suddenly and gives rise to a result which the Insured person did not intend or anticipate. All benefits are payable under this policy only when it is due to an accident.


Who can enrol for this insurance?

  • Any person aged between 18 years and 65 years.
  • Your legal spouse aged between 18 years and 65 years.
  • A parent/both parents aged between 18 years and 65 years covering himself/herself and his or her biological or legally adopted, unmarried children aged 1 year to 18 years or 23 years if pursuing full time education in a recognised tertiary institution.

Provided all persons to be insured are residing in Singapore.


If I am already insured with another insurer, how can I arrange cover for my spouse and children?

Your spouse may apply for this insurance on his/her own. In which case, 3 of your Children can be covered at 10% of the Sum Insured for Death, Permanent and Total Disablement and Medical Expenses benefits for a flat premium according to the Plan selected by your spouse.


If I increase or reduce my Sum Insured during the term of cover, will I receive the renewal bonus on the new limit?

The first renewal bonus will be calculated at 10% of the revised limit on renewal of the policy and any adjustments under the previous limit will lapse. Renewal bonus applicable to Death and Permanent Total Disablement benefits only.


Will I be covered if I have to travel and stay out of Singapore?

You or any of the Insured Persons are covered for any short term travel out of Singapore up to 6 consecutive months during any period of insurance. The cover for that Insured Person lapses thereafter and all the benefits under the policy for such person shall cease from such date.


Why are premium rates based on occupation?

Each occupation type presents different risk hazards depending on the nature of work and this has a direct effect on the level of premium to be charged.


I have Personal Accident policies with different insurers. Can I claim from all the insurers if I were to meet with an accident?

This will depend on the terms of your policy. Please check with your insurer when in doubt.


What are the policy exclusions?

The key exclusions are war and warlike operations, radioactive and nuclear activity, work on aircraft, dangerous sports, suicide, self-injury, pre-existing physical or mental defect, under influence of drugs (unless prescribed by a registered Medical Practitioner) or alcohol, full time military service, uniformed groups and occupations excluded under the insurance. The full details of the exclusions are contained in the policy.


How do I make a claim?

Please contact our Claims Department as soon as possible after any event giving rise or likely to give rise to a claim and complete a Claim form to facilitate the claim process. Written proof of the accident such as police report, doctor’s report, original medical receipts, invoices and all supporting documents must be furnished as proof of claim.

Important Notice & Disclaimers

This page is for general information only. The benefits payable are subject to the occurrence of an Accident. You should consider carefully if you are intending to switch personal accident policies, as this might be detrimental to your current and/or future needs. Full details of the terms, conditions and exclusions of this insurance are provided in the policy and will be sent to you upon acceptance of your application by MSIG Insurance (Singapore) Pte. Ltd.

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 contact us here or visit GIA or SDIC.

See all Personal Accident products