Personal Accident and Health Insurance FAQs

Personal Accident and Health Insurances can be purchased via the following channels: 


Payment Method

Operating Hours



  • Credit Card (Visa, MasterCard, Amex)
  • Cheque

Not Applicable

Phone: 6419 3000 
(For Selected Products Only)

  • Credit Card (Visa, MasterCard, Amex) with Automatic Renewal
  • Selected Debit Cards with Automatic Renewal

9:00 am to 5:00 pm, 
Mondays to Fridays, 
excluding Public holidays 


For most policies, the eligible ages are from 16 to 65 years old. The policy is renewable up to the age of 75. 

No, the premiums for Personal Accident policies will not increase with age. However, the premium may increase with age for selected Health Insurance and Critical Illness policies. 

Yes, foreigners may do so as long as they have permanent addresses in Singapore and hold valid employment passes, dependent’s passes or work permits (Class I and II). 

You may contact your agent/broker for assistance or call our hotline at 6419 3000 for assistance.

In the event of an accident, download the Personal Accident and Sickness Claim Form

Please complete the claims form and send it to us with all relevant supporting documents. To ensure the prompt processing of your claim, do attach originals of all supporting documents (eg. medical reports, receipts/invoices, police reports in the event of a motor accident with resultant injuries), and certified true copies of death certificates and/or post mortem reports (if a fatality is involved).

If you are claiming for hospital cash benefits where original copies have to be submitted to an employer, you may submit certified true copies of the medical bills. 

Please visit our Claims page for more information on the claims procedures. 

Sapphire Enhanced FAQs

No. We are unable to issue individual policies with an organisation / company listed as the policyholder. However, if the company has a minimum of five employees, it may wish to consider taking up our Group Personal Accident policy – Esteem Personal Accident – instead. This policy will enable the company to have their corporate entity listed as the policyholder. Please contact us for more details.

Yes. You are eligible to purchase Sapphire Enhanced as the plan provides 24/7 worldwide coverage.

However, you need to inform AIG if:

  • You are away from Singapore for more than 183 consecutive days.
  • You no longer maintain an address in Singapore.

Yes. Sapphire Enhanced covers participation in hazardous sports such as scuba diving, rock climbing, skiing, etc. as long as these activities are done on a leisure basis.

Sapphire Enhanced does not cover you if you:

  • Engage in a sport in a professional capacity.
  • Earn an income or remuneration from engaging in the sport.
  • Engage in aerial activity other than as a passenger in any properly licensed private and/or commercial aircraft.
  • Driving or riding as a passenger in or on any vehicle engaged in any race, speed test or endurance test.

Yes. We cover accidental death or injury as a result of an act of terrorism, subject to the terms, conditions and exclusions of the selected Sapphire Enhanced Plan.

Yes. The policy covers peacetime reservist training for a period not exceeding 40 days.

Yes. The policy will cover you in the event of injury caused by insect bites and dengue fever.

Yes. Sapphire Enhanced will cover you if you suffer from food poisoning.

The surviving spouse will still be covered under the policy and the policy will not be cancelled.

In this instance, we will adjust the premium accordingly for the surviving spouse and children to continue receiving coverage under the policy.

PROHealth FAQs

Yes. You can enrol in the plan up to age 65. The plan is renewable up to age 80.

Yes. The premium is based on your age band at the point when you enrol and at subsequent renewals. If your age falls into the next age band at renewal, the insurance premium will increase accordingly.

No. All members in the same application must be covered under the same plan, deductibles and benefits.

Worldwide insurance coverage allows you to have elective treatment anywhere in the world, including North America. You will also be covered in full during incidental travelling to North America. 

The North America and Caribbean Exclusion option allows you to have elective treatment in any country EXCEPT North America. The insurance coverage for incidental travelling to North America is limited to sudden illness and accidental personal injury for up to a total of 30 days per policy year. 

The North America and Caribbean option includes the United States, Canada and other such countries as defined in the policy.

Yes. You need to inform us if you will not be in Singapore for 90 consecutive days or more.

Pre-existing conditions can be covered for additional insurance premium (premium loading) or we may impose a cap on the benefit amounts.

Direct Settlement for Outpatient Services allows you to seek selected outpatient medical treatment at selected clinics without having to pay cash upfront. This is available for PROHealth Prestige Plus B and Prestige Plus C plans with no deductibles.

The list of clinics in Singapore and globally can be accessed by PROHealth customers via the Members’ portal.  Please click here.