Personal Accident Insurance | Smart PA Protect+

HSBC SG
Insurance
SmartPA Protect+

With SmartPA Protect+, keep doing all the things you love while being protected at every step.

Buy now to open personal accident promotions page This link will open in a new window

At a glance

Receive up to 2X medical expenses cover if hospitalised for more than 48 hours
Reimbursement of treatment expenses due to insect/animal bites, dengue fever, and food and drink poisoning
Enjoy a 10% Family Discount when both you and your spouse are covered in the same policy. Discount also applies to the 30% Top Up Child Cover

Receive up to SGD250 daily (up to 365 days) for each 24-hour period of hospitalisation
Automatic 5% increase of the sum insured for up to the first 5 years of the policy if no claim was ever made or paid
Children enjoy 20% Free Child Cover and additional free cover for Hand, Foot and Mouth Disease (HFMD)

What's covered in personal accident insurance?

Here is a summary of the available plans. Compare each plan to find out which one best suits your lifestyle and needs.

Summary of benefits
Benefits – Core Pack	Silver – Sum Insured Per Adult (SGD)	Gold – Sum Insured Per Adult (SGD)	Platinum – Sum Insured Per Adult (SGD)	Free Child Cover – Sum Insured Per Child (SGD)	Top-up cover – Sum Insured Per Child (SGD)
1.Accidental death (AD)/Permanent disablement (PD) (1a) Additional 50% payout upon AD whilst overseas (1b) Additional 50% payout upon AD in a public transport	150,000 (1a) 75,000 (1b) 75,000	350,000 (1a) 175,000 (1b) 175,000	1,000,000 (1a) 500,000 (1b) 500,000	20% of Adult Sum Insured	30% of Adult Sum Insured
2. Third-degree burns	15,000	35,000	100,000	20% of Adult Sum Insured	30% of Adult Sum Insured
3. Medical expenses (3a) Double indemnity on hospitalisation (3b) Letter of Guarantee (LOG) for overseas hospitalisation (3c) Ambulance expenses	2,000 per accident	5,000 per accident	10,000 per accident	20% of Adult Sum Insured	30% of Adult Sum Insured
4.Post-accident therapy (4a) Physiotherapy treatment (4b) Chiropractic treatment (4c) TCM treatment	1,000 per year	2,000 per year	5,000 per year	20% of Adult Sum Insured	30% of Adult Sum Insured
5. Lifestyle maintenance (5a) Home and/or vehicle modification (5b) Mobility aids (up to SGD1,000 per accident)	5,000 per year	10,000 per year	10,000 per year	20% of Adult Sum Insured	30% of Adult Sum Insured
6. Temporary total disablement	NA	350 per week	1,000 per week	NA	NA
7. Hand, Foot and Mouth Disease (HFMD) benefit	NA	NA	NA	100 per year	100 per year

Summary of benefits
Benefits – Core Pack	1.Accidental death (AD)/Permanent disablement (PD) (1a) Additional 50% payout upon AD whilst overseas (1b) Additional 50% payout upon AD in a public transport
Silver – Sum Insured Per Adult (SGD)	150,000 (1a) 75,000 (1b) 75,000
Gold – Sum Insured Per Adult (SGD)	350,000 (1a) 175,000 (1b) 175,000
Platinum – Sum Insured Per Adult (SGD)	1,000,000 (1a) 500,000 (1b) 500,000
Free Child Cover – Sum Insured Per Child (SGD)	20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD)	30% of Adult Sum Insured

Benefits – Core Pack	2. Third-degree burns
Silver – Sum Insured Per Adult (SGD)	15,000
Gold – Sum Insured Per Adult (SGD)	35,000
Platinum – Sum Insured Per Adult (SGD)	100,000
Free Child Cover – Sum Insured Per Child (SGD)	20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD)	30% of Adult Sum Insured

Benefits – Core Pack	3. Medical expenses (3a) Double indemnity on hospitalisation (3b) Letter of Guarantee (LOG) for overseas hospitalisation (3c) Ambulance expenses
Silver – Sum Insured Per Adult (SGD)	2,000 per accident
Gold – Sum Insured Per Adult (SGD)	5,000 per accident
Platinum – Sum Insured Per Adult (SGD)	10,000 per accident
Free Child Cover – Sum Insured Per Child (SGD)	20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD)	30% of Adult Sum Insured

Benefits – Core Pack	4.Post-accident therapy (4a) Physiotherapy treatment (4b) Chiropractic treatment (4c) TCM treatment
Silver – Sum Insured Per Adult (SGD)	1,000 per year
Gold – Sum Insured Per Adult (SGD)	2,000 per year
Platinum – Sum Insured Per Adult (SGD)	5,000 per year
Free Child Cover – Sum Insured Per Child (SGD)	20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD)	30% of Adult Sum Insured

Benefits – Core Pack	5. Lifestyle maintenance (5a) Home and/or vehicle modification (5b) Mobility aids (up to SGD1,000 per accident)
Silver – Sum Insured Per Adult (SGD)	5,000 per year
Gold – Sum Insured Per Adult (SGD)	10,000 per year
Platinum – Sum Insured Per Adult (SGD)	10,000 per year
Free Child Cover – Sum Insured Per Child (SGD)	20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD)	30% of Adult Sum Insured

Benefits – Core Pack	6. Temporary total disablement
Silver – Sum Insured Per Adult (SGD)	NA
Gold – Sum Insured Per Adult (SGD)	350 per week
Platinum – Sum Insured Per Adult (SGD)	1,000 per week
Free Child Cover – Sum Insured Per Child (SGD)	NA
Top-up cover – Sum Insured Per Child (SGD)	NA

Benefits – Core Pack	7. Hand, Foot and Mouth Disease (HFMD) benefit
Silver – Sum Insured Per Adult (SGD)	NA
Gold – Sum Insured Per Adult (SGD)	NA
Platinum – Sum Insured Per Adult (SGD)	NA
Free Child Cover – Sum Insured Per Child (SGD)	100 per year
Top-up cover – Sum Insured Per Child (SGD)	100 per year

Summary of benefits
Benefits – Add-on Pack	Silver – Sum Insured Per Adult (SGD)	Gold – Sum Insured Per Adult (SGD)	Platinum – Sum Insured Per Adult (SGD)	Free Child Cover – Sum Insured Per Child (SGD)	Top-up cover – Sum Insured Per Child (SGD)
8. Fractures benefit	2,000	5,000	8,000	20% of Adult Sum Insured	30% of Adult Sum Insured
9. Daily hospital cash allowance	50 per day	100 per day	250 per day	20% of Adult Sum Insured	30% of Adult Sum Insured
10.Home recuperation benefit (10a) Doctor's home visit (10b) Home nursing care (10c) Transportation cost for follow-up treatments	1,000 per accident	3,000 per accident	6,000 per accident	20% of Adult Sum Insured	30% of Adult Sum Insured
11. Emergency medical evacuation/repatriation	10,000	25,000	100,000	20% of Adult Sum Insured	30% of Adult Sum Insured
12. Funeral expenses	2,000	5,000	8,000	20% of Adult Sum Insured	30% of Adult Sum Insured
13. Family shield	15,000	30,000	50,000	NA	NA
14. Loan protector	15,000	30,000	50,000	NA	NA

Summary of benefits
Benefits – Add-on Pack	8. Fractures benefit
Silver – Sum Insured Per Adult (SGD)	2,000
Gold – Sum Insured Per Adult (SGD)	5,000
Platinum – Sum Insured Per Adult (SGD)	8,000
Free Child Cover – Sum Insured Per Child (SGD)	20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD)	30% of Adult Sum Insured

Benefits – Add-on Pack	9. Daily hospital cash allowance
Silver – Sum Insured Per Adult (SGD)	50 per day
Gold – Sum Insured Per Adult (SGD)	100 per day
Platinum – Sum Insured Per Adult (SGD)	250 per day
Free Child Cover – Sum Insured Per Child (SGD)	20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD)	30% of Adult Sum Insured

Benefits – Add-on Pack	10.Home recuperation benefit (10a) Doctor's home visit (10b) Home nursing care (10c) Transportation cost for follow-up treatments
Silver – Sum Insured Per Adult (SGD)	1,000 per accident
Gold – Sum Insured Per Adult (SGD)	3,000 per accident
Platinum – Sum Insured Per Adult (SGD)	6,000 per accident
Free Child Cover – Sum Insured Per Child (SGD)	20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD)	30% of Adult Sum Insured

Benefits – Add-on Pack	11. Emergency medical evacuation/repatriation
Silver – Sum Insured Per Adult (SGD)	10,000
Gold – Sum Insured Per Adult (SGD)	25,000
Platinum – Sum Insured Per Adult (SGD)	100,000
Free Child Cover – Sum Insured Per Child (SGD)	20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD)	30% of Adult Sum Insured

Benefits – Add-on Pack	12. Funeral expenses
Silver – Sum Insured Per Adult (SGD)	2,000
Gold – Sum Insured Per Adult (SGD)	5,000
Platinum – Sum Insured Per Adult (SGD)	8,000
Free Child Cover – Sum Insured Per Child (SGD)	20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD)	30% of Adult Sum Insured

Benefits – Add-on Pack	13. Family shield
Silver – Sum Insured Per Adult (SGD)	15,000
Gold – Sum Insured Per Adult (SGD)	30,000
Platinum – Sum Insured Per Adult (SGD)	50,000
Free Child Cover – Sum Insured Per Child (SGD)	NA
Top-up cover – Sum Insured Per Child (SGD)	NA

Benefits – Add-on Pack	14. Loan protector
Silver – Sum Insured Per Adult (SGD)	15,000
Gold – Sum Insured Per Adult (SGD)	30,000
Platinum – Sum Insured Per Adult (SGD)	50,000
Free Child Cover – Sum Insured Per Child (SGD)	NA
Top-up cover – Sum Insured Per Child (SGD)	NA

Summary of benefits
Benefits – Core Pack	Silver – Sum Insured Per Adult (SGD)	Gold – Sum Insured Per Adult (SGD)	Platinum – Sum Insured Per Adult (SGD)	Free Child Cover – Sum Insured Per Child (SGD)	Top-up cover – Sum Insured Per Child (SGD)
1.Accidental death (AD)/Permanent disablement (PD) (1a) Additional 50% payout upon AD whilst overseas (1b) Additional 50% payout upon AD in a public transport	150,000 (1a) 75,000 (1b) 75,000	350,000 (1a) 175,000 (1b) 175,000	1,000,000 (1a) 500,000 (1b) 500,000	20% of Adult Sum Insured	30% of Adult Sum Insured
2. Third-degree burns	15,000	35,000	100,000	20% of Adult Sum Insured	30% of Adult Sum Insured
3. Medical expenses (3a) Double indemnity on hospitalisation (3b) Letter of Guarantee (LOG) for overseas hospitalisation (3c) Ambulance expenses	2,000 per accident	5,000 per accident	10,000 per accident	20% of Adult Sum Insured	30% of Adult Sum Insured
4.Post-accident therapy (4a) Physiotherapy treatment (4b) Chiropractic treatment (4c) TCM treatment	1,000 per year	2,000 per year	5,000 per year	20% of Adult Sum Insured	30% of Adult Sum Insured
5. Lifestyle maintenance (5a) Home and/or vehicle modification (5b) Mobility aids (up to SGD1,000 per accident)	5,000 per year	10,000 per year	10,000 per year	20% of Adult Sum Insured	30% of Adult Sum Insured
6. Temporary total disablement	NA	350 per week	1,000 per week	NA	NA
7. Hand, Foot and Mouth Disease (HFMD) benefit	NA	NA	NA	100 per year	100 per year

Summary of benefits
Benefits – Core Pack	1.Accidental death (AD)/Permanent disablement (PD) (1a) Additional 50% payout upon AD whilst overseas (1b) Additional 50% payout upon AD in a public transport
Silver – Sum Insured Per Adult (SGD)	150,000 (1a) 75,000 (1b) 75,000
Gold – Sum Insured Per Adult (SGD)	350,000 (1a) 175,000 (1b) 175,000
Platinum – Sum Insured Per Adult (SGD)	1,000,000 (1a) 500,000 (1b) 500,000
Free Child Cover – Sum Insured Per Child (SGD)	20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD)	30% of Adult Sum Insured

Benefits – Core Pack	2. Third-degree burns
Silver – Sum Insured Per Adult (SGD)	15,000
Gold – Sum Insured Per Adult (SGD)	35,000
Platinum – Sum Insured Per Adult (SGD)	100,000
Free Child Cover – Sum Insured Per Child (SGD)	20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD)	30% of Adult Sum Insured

Benefits – Core Pack	3. Medical expenses (3a) Double indemnity on hospitalisation (3b) Letter of Guarantee (LOG) for overseas hospitalisation (3c) Ambulance expenses
Silver – Sum Insured Per Adult (SGD)	2,000 per accident
Gold – Sum Insured Per Adult (SGD)	5,000 per accident
Platinum – Sum Insured Per Adult (SGD)	10,000 per accident
Free Child Cover – Sum Insured Per Child (SGD)	20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD)	30% of Adult Sum Insured

Benefits – Core Pack	4.Post-accident therapy (4a) Physiotherapy treatment (4b) Chiropractic treatment (4c) TCM treatment
Silver – Sum Insured Per Adult (SGD)	1,000 per year
Gold – Sum Insured Per Adult (SGD)	2,000 per year
Platinum – Sum Insured Per Adult (SGD)	5,000 per year
Free Child Cover – Sum Insured Per Child (SGD)	20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD)	30% of Adult Sum Insured

Benefits – Core Pack	5. Lifestyle maintenance (5a) Home and/or vehicle modification (5b) Mobility aids (up to SGD1,000 per accident)
Silver – Sum Insured Per Adult (SGD)	5,000 per year
Gold – Sum Insured Per Adult (SGD)	10,000 per year
Platinum – Sum Insured Per Adult (SGD)	10,000 per year
Free Child Cover – Sum Insured Per Child (SGD)	20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD)	30% of Adult Sum Insured

Benefits – Core Pack	6. Temporary total disablement
Silver – Sum Insured Per Adult (SGD)	NA
Gold – Sum Insured Per Adult (SGD)	350 per week
Platinum – Sum Insured Per Adult (SGD)	1,000 per week
Free Child Cover – Sum Insured Per Child (SGD)	NA
Top-up cover – Sum Insured Per Child (SGD)	NA

Benefits – Core Pack	7. Hand, Foot and Mouth Disease (HFMD) benefit
Silver – Sum Insured Per Adult (SGD)	NA
Gold – Sum Insured Per Adult (SGD)	NA
Platinum – Sum Insured Per Adult (SGD)	NA
Free Child Cover – Sum Insured Per Child (SGD)	100 per year
Top-up cover – Sum Insured Per Child (SGD)	100 per year

Summary of benefits
Benefits – Add-on Pack	Silver – Sum Insured Per Adult (SGD)	Gold – Sum Insured Per Adult (SGD)	Platinum – Sum Insured Per Adult (SGD)	Free Child Cover – Sum Insured Per Child (SGD)	Top-up cover – Sum Insured Per Child (SGD)
8. Fractures benefit	2,000	5,000	8,000	20% of Adult Sum Insured	30% of Adult Sum Insured
9. Daily hospital cash allowance	50 per day	100 per day	250 per day	20% of Adult Sum Insured	30% of Adult Sum Insured
10.Home recuperation benefit (10a) Doctor's home visit (10b) Home nursing care (10c) Transportation cost for follow-up treatments	1,000 per accident	3,000 per accident	6,000 per accident	20% of Adult Sum Insured	30% of Adult Sum Insured
11. Emergency medical evacuation/repatriation	10,000	25,000	100,000	20% of Adult Sum Insured	30% of Adult Sum Insured
12. Funeral expenses	2,000	5,000	8,000	20% of Adult Sum Insured	30% of Adult Sum Insured
13. Family shield	15,000	30,000	50,000	NA	NA
14. Loan protector	15,000	30,000	50,000	NA	NA

Summary of benefits
Benefits – Add-on Pack	8. Fractures benefit
Silver – Sum Insured Per Adult (SGD)	2,000
Gold – Sum Insured Per Adult (SGD)	5,000
Platinum – Sum Insured Per Adult (SGD)	8,000
Free Child Cover – Sum Insured Per Child (SGD)	20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD)	30% of Adult Sum Insured

Benefits – Add-on Pack	9. Daily hospital cash allowance
Silver – Sum Insured Per Adult (SGD)	50 per day
Gold – Sum Insured Per Adult (SGD)	100 per day
Platinum – Sum Insured Per Adult (SGD)	250 per day
Free Child Cover – Sum Insured Per Child (SGD)	20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD)	30% of Adult Sum Insured

Benefits – Add-on Pack	10.Home recuperation benefit (10a) Doctor's home visit (10b) Home nursing care (10c) Transportation cost for follow-up treatments
Silver – Sum Insured Per Adult (SGD)	1,000 per accident
Gold – Sum Insured Per Adult (SGD)	3,000 per accident
Platinum – Sum Insured Per Adult (SGD)	6,000 per accident
Free Child Cover – Sum Insured Per Child (SGD)	20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD)	30% of Adult Sum Insured

Benefits – Add-on Pack	11. Emergency medical evacuation/repatriation
Silver – Sum Insured Per Adult (SGD)	10,000
Gold – Sum Insured Per Adult (SGD)	25,000
Platinum – Sum Insured Per Adult (SGD)	100,000
Free Child Cover – Sum Insured Per Child (SGD)	20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD)	30% of Adult Sum Insured

Benefits – Add-on Pack	12. Funeral expenses
Silver – Sum Insured Per Adult (SGD)	2,000
Gold – Sum Insured Per Adult (SGD)	5,000
Platinum – Sum Insured Per Adult (SGD)	8,000
Free Child Cover – Sum Insured Per Child (SGD)	20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD)	30% of Adult Sum Insured

Benefits – Add-on Pack	13. Family shield
Silver – Sum Insured Per Adult (SGD)	15,000
Gold – Sum Insured Per Adult (SGD)	30,000
Platinum – Sum Insured Per Adult (SGD)	50,000
Free Child Cover – Sum Insured Per Child (SGD)	NA
Top-up cover – Sum Insured Per Child (SGD)	NA

Benefits – Add-on Pack	14. Loan protector
Silver – Sum Insured Per Adult (SGD)	15,000
Gold – Sum Insured Per Adult (SGD)	30,000
Platinum – Sum Insured Per Adult (SGD)	50,000
Free Child Cover – Sum Insured Per Child (SGD)	NA
Top-up cover – Sum Insured Per Child (SGD)	NA

How to buy SmartPA Protect+

Buy SmartPA Protect+ online now

Buy now to learn more about Smart PA Protect + This link will open in a new window

Download policy document to open Smart PA Protect + terms and conditions This link will open in a new window

Contact AXA Singapore

For general enquiries, call us on +65 6880 4070
Alternatively, you can email us at banca_hsbc@axa.com.sg

Insurance

Smart PA Protect + is underwritten by AXA Insurance Pte Ltd. and distributed by HSBC Bank (Singapore) Limited ("HSBP"). It is not an obligation of, deposit in or guaranteed by HSBP.

This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy 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 AXA Insurance Pte Ltd. or visit the GIA or SDIC web-sites (www.gia.org.sg or www.sdic.org.sg).

This web page contains only general information. The specific terms, exclusions and conditions applicable to this insurance are described in the Policy which will only be issued upon acceptance of the Proposal Form. A copy of the Policy is available for inspection at AXA Insurance Pte Ltd.. A person interested in this product should consider whether the product is suitable before making a commitment to purchase the product.

AXA Insurance Pte Ltd.'s authorised agents or distributors, including HSBP (together "the Agents") are neither underwriter nor broker for the customer. To the fullest extent permissible pursuant to applicable law, the Agents make no warranties or representation as to the accuracy, correctness, reliability or otherwise of the content of this marketing material. Under no circumstances, including, but not limited to negligence, shall the Agents or any party involved in creating, producing or delivering the marketing material be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the liability to use, the information in this marketing materials even if the Agents have been advised of the possibility of such damages.

The Agents and/or their employees will receive a commission from AXA Insurance Pte Ltd. in respect of this transaction. The Agents are not suppliers of the products and services and will not accept liability in relation thereto.

SmartPA Protect+

Special offer

At a glance

What's covered in personal accident insurance?

Benefits – Core Pack

Benefits – Add-on Pack

How to buy SmartPA Protect+

Buy SmartPA Protect+ online now

Contact AXA Singapore

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