Life doesn’t always go according to plan. PRUPersonal Accident is there for you and your loved ones, whenever and wherever you need it.
Discover the right personal accident insurance cover for the whole family — so that even small mishaps don’t become big challenges.
What is PRUPersonal Accident?
PRUPersonal Accident is a personal accident insurance plan that complements existing hospitalisation or medical insurance with 24-hour accident coverage worldwide. It offers different payouts and affordable premiums based on the coverage you need.
Policyholders have access to a 24-hour worldwide emergency helpline: (65) 6338-7185 in the event they are seriously injured in an accident while overseas.
Available as a supplementary benefit
PRUPersonal Accident is available as Accident Assist and can be added to your selected main plans2.
Covers expenses3 incurred during your hospitalisation.
Daily cash payout if you are hospitalised or admitted to an Intensive Care Unit.
Additional family support fund and reimbursement for transportation expenses.
Covers extra medical expenses as a result of burns, fractures and broken bones, as well as reimbursement for post-accident home modifications and mobility aids required due to accidents.
Double payout if accident sustained while in public conveyance.
1Infectious disease means any of the following diseases which is diagnosed by a medical practitioner during the period of insurance and is supported by acceptable clinical, radiological, histological and laboratory evidence:
Hand, foot and mouth disease (HFMD)
Avian influenza or ‘Bird Flu’ due to Influenza A viral strains H1N1, H5N1, H9N2, H7N7 or H7N9
Melioidosis or 'soil disease'
Nipah viral encephalitis
Japanese viral encephalitis
Variant Creutzfeldt-Jakob disease (vCJD) or 'mad cow disease'
Severe acute respiratory syndrome (SARS)
Middle east respiratory syndrome coronavirus (MERS-CoV)
2Please contact your Financial Consultant for the full list of main plans available.
3Recovery Aid benefit covers expenses related to hospitalisation. It gives the insured a daily cash payout if the insured is hospitalised or admitted to an Intensive Care Unit and reimburses the cost of emergency medical evacuation and repatriation. The Recovery Aid benefit provides the following benefits:
Daily Accidental Hospital Income benefit
Daily Accidental Intensive Care Unit benefit
Mobility Aid benefit
Get Well Transport benefit
Family Support Fund benefit
Travel and Medical Assistance benefit
Emergency Medical Evacuation and Repatriation benefit
4Fracture Care Benefit includes the following benefits:
Fractures, Burns and Dislocations benefit
Mobility Aid benefit
House Fitting Expenses benefit
You are recommended to read the product summary and seek advice from a qualified Prudential Financial Consultant for a financial analysis before purchasing a policy suitable to meet your needs.
The benefits will only be payable upon the occurrence of an accident.
Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Premiums are not guaranteed and may be adjusted based on future claims experience.
The information on this website is for reference only and is not a contract of insurance. Please refer to the exact terms and conditions, specific details and exclusions applicable to these insurance products in the policy documents that can be obtained from your Prudential Financial Consultant.
The information contained on this website is intended to be valid in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore.
In case of discrepancy between the English and Mandarin versions of the product brochures, the English version shall prevail.
These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policies 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 your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
In the event that the policy is not suitable, the client may cancel the policy by making a written request to Prudential within the 14-day free look period. Prudential will refund any premiums paid, less medical fees, other expenses incurred and any outstanding amounts owed in connection with the policy.
Information is correct as of 30 May 2023.
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If you are a Singapore citizen or permanent resident, you enjoy basic health insurance through MediShield Life.
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