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Protect yourself and your family against accidents

You have worked hard to build a comfortable life for yourself and your family. Help safeguard your future with Sapphire Enhanced personal accident insurance from AIG. Worldwide benefits such as weekly income, reimbursement for medical expenses and compassionate allowance ensure you are financially prepared for the unexpected.

 

Key benefits

Weekly benefit for temporary total disability

If you are unable to work, resulting in loss of income, we will pay a weekly cash benefit for up to 24 months to help you cope.

Cover for Traditional Chinese Medicine (TCM) treatment

If you prefer to receive TCM treatment, we will reimburse you for up to S$750 per accident.

Free coverage for your children

If you and your spouse are insured, each of your children receive free coverage of up to 20% of your insured limit.

Option for comprehensive cover

Opt for additional benefits such as daily hospital income, lifestyle maintenance, medical evacuation and child support.

Flexible payment arrangements

Choose to pay your premiums annually or monthly, with the convenience of auto-renewal by GIRO or credit card so you are always protected.

What is personal accident insurance?

Personal accident insurance pays you either a lump sum or reimbursements for out-of-pocket expenses in case of injury, disability or death resulting from an accident anywhere in the world.

Unlike medical insurance, the premiums are fixed, and you do not need to undergo any medical examination before the policy is incepted. Premiums are based on your occupation and desired level of cover.

 

AIG offers affordable coverage for a wide range of accidents, including but not limited to:
Food poisoning

Food poisoning

Motorcycle and road accidents

Motorcycle and
road accidents

Accidents during reservist training

Accidents during
reservist training

Animal and insect bites, including dengue fever

Animal and insect bites, including dengue fever

What is covered


Basic coverage

Benefits
Plan 1
(sum insured)
Plan 2
(sum insured)
Plan 3
(sum insured)
Plan 4
(sum insured)

Accidental death and permanent disability
Pays a lump sum for death or permanent disability. Pays double indemnity for accidental death on public transport.

S$100,000    

S$200,000    

S$300,000  

S$500,000  

Weekly benefit for temporary total disability
For up to 24 months for total temporary disability due to an accident.

S$100 per week

S$100 per week

S$200 per week

S$500 per week

Benefits 
Plan 1
(sum insured)
Plan 2
(sum insured)
Plan 3
(sum insured)
Plan 4
(sum insured)

Accident medical reimbursement
Reimburses for inpatient and outpatient medical treatment due to an accident.


Up to S$4,000              

Up to S$6,000       

Up to S$8,000      

Up to S$10,000      

Traditional Chinese Medicine
Reimburses for treatment, due to an accident, by traditional Chinese practitioner or complementary medicine practitioner.

Up to S$750          

Up to
S$750

Up to
S$750

Up to
S$750

Mobility aid and ambulance services reimbursement
Reimburses for cost of ambulance services and mobility aids (wheelchair, crutches etc.).

Up to S$4,000

Up to S$4,000

Up to S$4,000

Up to S$4,000

Benefits
Plan 1
(sum insured)     
Plan 2
(sum insured)    
Plan 3
(sum insured)     
Plan 4
(sum insured)    

Free cover for children
Applies to all benefits except weekly benefit of ‘Temporary total disability’.

  • If both the parents are covered under the same plan in a single policy: children enjoy 20% of all benefits.
  • If the parents are insured under different plans in the same policy: children enjoy 20% of all benefits under the lower plan.
  • If a parent is a widow, widower, single parent or divorcee: For additional premium of 50%, the children enjoy 20% of all benefits.

20%         


20%                 

20%          

20%         

 
Sapphire Enhanced
Policy wording Download
Brochure Download
Application form Download

Extend your coverage

Optional comprehensive benefits
Plan 1
(sum insured)
Plan 2
(sum insured)
Plan 3
(sum insured)
Plan 4
(sum insured)

Daily hospital income
Pays a daily income for each day that you are hospitalised, for up to one year.

S$50

S$100

S$150

S$250

Lifestyle maintenance
Pays your family a monthly allowance of up to 12 months for accidental death.

S$1,000

S$1,500

S$2,000

S$3,000

Free cover for child support fund
Pays a lump sum to your spouse or children’s legal guardian due to accidental death.

S$5,000

S$10,000

S$15,000

S$25,000

Compassionate allowance
Pays your family a lump sum in case of accidental death.

S$5,000

S$10,000

S$15,000

S$25,000

Emergency medical evacuation
Reimburses emergency evacuation expenses due to accident.

Up to S$10,000

Up to S$20,000

Up to S$30,000

Up to S$50,000

What it costs

Basic coverage (annual premium)

Occupation rating
Plan 1
Plan 2
Plan 3
Plan 4

Class 1 & 2

S$135

S$230

S$303

S$588

Class 3

S$270

S$460

S$606

Optional comprehensive coverage (annual premium)

Occupation rating
Plan 1
Plan 2
Plan 3
Plan 4

Class 1 & 2

S$189

S$323

S$436

S$837

All premiums stated are inclusive of 7% GST.

Not sure which class your occupation falls under? Please refer to the types of occupations for some examples.

Before you buy

You need to be:

  • Residing in Singapore, and
  • A Singapore citizen, Permanent Resident, or pass holder (e.g. Employment Pass, Long-Term Visit Pass, Student Pass, etc.).

You must be between 16 to 70 years old to buy this plan. This plan is renewable up to age 75.

Excluded occupations are those with exposure to highly hazardous conditions, such as construction workers, oil riggers, ship crew and air crew. For more information, please refer to the types of occupations for examples.

Buy this plan

           

 

Support

Call us

Enquiries: 6419 3000

Enquire online

Send an enquiry

Nomination of Beneficiaries

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