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Health Protection | Accident

PRUPersonal Accident

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.

Supplementary benefits



Recovery Aid3

Provides daily cash payout if you are hospitalised or admitted to an Intensive Care Unit.

Reimburses expenses for mobility aids and transportation expenses from the hospital.

Provides additional family support fund.

Fracture Care PA4

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.

Provides double payout if accident sustained while on public transport.

Important information



Infectious 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:

  1. Hand, foot and mouth disease (HFMD)
  2. Dengue fever
  3. Avian influenza or ‘Bird Flu’
  4. Mumps
  5. Rubella
  6. Tuberculosis
  7. Measles
  8. Malaria
  9. Anthrax infection
  10. Yellow fever
  11. Plague
  12. Melioidosis or ‘soil disease’
  13. Rabies
  14. Legionnaires’ disease
  15. Chikungunya
  16. Nipah viral encephalitis
  17. Japanese viral encephalitis
  18. Variant Creutzfeldt-Jakob disease (vCJD) or ‘mad cow disease’
  19. Severe acute respiratory syndrome (SARS)
  20. Middle east respiratory syndrome coronavirus (MERS-CoV)
  21. Zika virus


Please contact your Financial Consultant for the full list of main plans available.


Recovery Aid benefit includes 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


Fracture Care PA benefit includes the following benefits:

  • Fractures, Burns and Dislocations benefit
  • Mobility Aid benefit
  • House Fitting Expenses benefit
  • Recovery benefit

Additional Notes

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 1 January 2024.

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