关爱您的健康

让您安心无忧，专注于快速恢复健康。
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康健

确保您与家人可享有高品质的医疗护理。

留学生医疗保险

为海外学子及其家属提供周全的医疗保障

人身意外保险

为您抵御意外风险，提供全面的保险保障

少年儿童保险

时刻呵护您孩童的安全

住院安心保障

我们补贴您的医疗费账单，让您专注快速恢复健康

UniHome Safe

Protect your belongings,
valuables and your loved ones

Domestic Maid Insurance

Safeguard the well-being of your domestic maid

Useful Tips

Emergencies and personal accidents can happen at any time, regardless of how prepared we are. While we might have health insurance that will help us in times of need, we frequently opt to leave personal accident insurance out of the picture.
Everybody wants to safeguard their family financially and physically, and to ensure that their loved ones are well-cared for. Adding on Personal Accident Insurance to the portfolio not only increases that protection, but also fills in the gaps where a Health Insurance plan may leave you and your loved ones vulnerable financially. It complements your Health and Life Insurance policies with numerous benefits that they are lacking.

For instance, our Panda Safe, a Personal Accident Insurance plan, can lessen the burden on outpatient medical costs spent to treat a minor wound caused by an accident that does not necessitate hospitalisation – one that other plans might not cover.

In the event if you fall ill, wounded, or disabled, Health Insurance helps to cushion your medical expenditures. MediShield Life, a basic government health plan that covers large medical bills, is available to all Singaporeans. Aside from dealing with hefty medical or hospital expenses, you may be unable to work throughout your rehabilitation. Thus, it is important to be insured with Health Insurance, as it ensures financial stability so that you can focus on recovery.

Both Personal Accident and Health Insurance, as well as Whole Life Insurance, give substantial financial support to the family in the event of the Insured’s passing. Although both insurances include the death benefit, there is a significant difference. Personal Accident and Health Insurance covers death caused by an accident, whereas Whole Life Insurance covers death of all causes. With Personal Accident and Health and Whole Life Insurance, the family will be able to receive the benefits from both policies in the event of the life insured passing due to an accident.

Other distinctions between Personal Accident and Health Insurance and Whole Life Insurance include:

  • Personal Accident and Health Insurance plans can be a supplement to your whole life protection portfolio to ensure you are fully protected.   
  • Personal Accident & Health Insurance includes coverage for any expenses in relation to personal accidents or infectious diseases. On the other hand, Whole Life Insurance pays out for Death, Total Permanent Disability, Terminal Illness and Critical Illnesses – depending on the type of plans you choose. 
  • Personal Accident and Health Insurance plans are affordable as they act as supplement to Whole Life Insurance. On the other hand, Whole Life Insurance premiums are higher as it covers a lifetime, and it also accumulates cash value. 

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