Hospital Safe

We’re with you throughout your recovery.
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Key Benefits

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Daily cash allowance

Receive daily cash allowance when you are hospitalised.
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Free choice of hospital and no sub-limits for hospitalisation

Choice of Government Restructured or Private Hospital.
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Recuperation benefits

Receive recuperation allowance upon discharge.
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Pre and post hospitalisation treatment reimbursement

Plastic Surgery Reimbursement (due to accident).
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Accidental death coverage

Guaranteed lump sum payout due to accidental death.

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Protected up to specified limits by SDIC.

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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:

  1. Personal Accident and Health Insurance plans can be a supplement to your whole life protection portfolio to ensure you are fully protected.
  2. 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.
  3. 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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