It could be as innocent as slipping over a banana peel a la Super Mario Kart or as nasty as a freak accident in a Muay Thai class — personal accident insurance should be part of your life if you fall under one of these five.

<p class="canvas-atom canvas-text Mb(1.0em) Mb(0)–sm Mt(0.8em)–sm" type="text" content="It was the final few weeks before the Circuit Breaker (CB) that my daughter — whom I affectionately call Tiny Dancer (TD) — had been training extra hard in kicks and jumps, and had started to complain of knee pains. Her ballet coach was concerned, so we made a trip to Hello Physio.&nbsp;” data-reactid=”21″>It was the final few weeks before the Circuit Breaker (CB) that my daughter — whom I affectionately call Tiny Dancer (TD) — had been training extra hard in kicks and jumps, and had started to complain of knee pains. Her ballet coach was concerned, so we made a trip to Hello Physio

“What’s your insurance company, if any?” came the first question when I filled out the registration form at TD’s appointment. 

It had never occurred to me before that an eight-year-old kid would qualify as a relevant candidate for specific insurance coverage, allowing me to make a physiotherapy clinic reimbursement. I had overlooked an important factor: she is an athlete (or at least trains like one).

It turned out that her knee pains were a result of an IT band injury and required in-clinic electro-shock treatment and taping of the area after. As she had sustained the injury accidentally during training, the physio could have included a medical report that would have allowed me to claim the charges if I had purchased the right personal accident plan for TD.

The bottom line? Don’t be like me. Anyone can benefit from having a personal accident plan; if you or your loved ones fall within any of the below categories, then you know that it’s a must-have addition to your basic protection portfolio.

<h2 class="canvas-atom canvas-text Mb(1.0em) Mb(0)–sm Mt(0.8em)–sm" type="text" content="1. The one who is fit and fab” data-reactid=”26″>1. The one who is fit and fab

TD falls within this category, obviously, and so does my husband who insists on doing two HIIT workouts a day in addition to mid-distance running and cycling every other day. If you are a professional or amateur athlete – or even a football hobbyist – it wouldn’t hurt to have personal accident insurance. 

This is because an active person is more likely to accidentally pull a muscle or sprain an ankle than someone whose hobby involves Netflix-ing in bed. Many plans offer payouts for TCM visits too, so you can even get acupuncture treatment or the more generic physiotherapy sessions (limits apply).

<p class="canvas-atom canvas-text Mb(1.0em) Mb(0)–sm Mt(0.8em)–sm" type="text" content="What’s good: Aviva’s Personal Accident insurance is perfect for someone who has children as they’re automatically covered for up to 20% of the applicable limits.” data-reactid=”29″>What’s good: Aviva’s Personal Accident insurance is perfect for someone who has children as they’re automatically covered for up to 20% of the applicable limits.

<p class="canvas-atom canvas-text Mb(1.0em) Mb(0)–sm Mt(0.8em)–sm" type="text" content="Bonus: The plan includes reimbursement for mobility aid and ambulance services too. At S$86 per year, it’s also one of the most affordable options in the market.” data-reactid=”30″>Bonus: The plan includes reimbursement for mobility aid and ambulance services too. At S$86 per year, it’s also one of the most affordable options in the market.

<h2 class="canvas-atom canvas-text Mb(1.0em) Mb(0)–sm Mt(0.8em)–sm" type="text" content="2. The one who is in a vulnerable category” data-reactid=”31″>2. The one who is in a vulnerable category

If you’re getting older and may be prone to slips and falls, you may want to consider getting a personal accident plan. A temporary disablement payout while recovering would be useful to the family or caregivers to pay for nursing needs or food delivery. 

However, you’d have to be cleared during health checks; pre-existing health conditions would not be covered under the plan. For example, if you have a pre-existing Vertigo condition and fall down during an episode, it would not be considered accidental. 

<p class="canvas-atom canvas-text Mb(1.0em) Mb(0)–sm Mt(0.8em)–sm" type="text" content="What’s good: It may be hard to find insurance companies willing to take on coverage of seniors or the elderly age group at an affordable premium but Tokio Marine’s TM 365 does just that, with a long period of coverage. The premiums are also relatively well-priced for a comprehensive plan.” data-reactid=”34″>What’s good: It may be hard to find insurance companies willing to take on coverage of seniors or the elderly age group at an affordable premium but Tokio Marine’s TM 365 does just that, with a long period of coverage. The premiums are also relatively well-priced for a comprehensive plan.

<p class="canvas-atom canvas-text Mb(1.0em) Mb(0)–sm Mt(0.8em)–sm" type="text" content="Bonus: The basic plan already includes mobility devices and home modifications payout if you need to rent a wheelchair, get a hospital bed or install ramps, post-accident.” data-reactid=”35″>Bonus: The basic plan already includes mobility devices and home modifications payout if you need to rent a wheelchair, get a hospital bed or install ramps, post-accident.

<h2 class="canvas-atom canvas-text Mb(1.0em) Mb(0)–sm Mt(0.8em)–sm" type="text" content="3. The one who is the sole breadwinner or caregiver” data-reactid=”36″>3. The one who is the sole breadwinner or caregiver

The sole or main breadwinner of a family can afford to have a little more protection as the other members of the family depend on his or her ability to provide for them. If he is unable to work due to an accident, a payout can help to take care of family expenses until full recovery. 

A homemaker who takes care of family matters could also fall in this category; as the household may fall apart without him or her, if accidentally injured or incapacitated! 

Someone who has a risky profession would require the highest level of protection. For example, those who work on oil rigs, shipyards and construction would be a good candidate to get a personal accident plan, in addition to what their company is already offering on a group basis. Hawkers, carpenters, technicians and taxi drivers also fall in this category.

<p class="canvas-atom canvas-text Mb(1.0em) Mb(0)–sm Mt(0.8em)–sm" type="text" content="What’s good: Income’s PA Assurance is one of the few plans on the market that offers coverage to those with hazardous professions.” data-reactid=”44″>What’s good: Income’s PA Assurance is one of the few plans on the market that offers coverage to those with hazardous professions.

<p class="canvas-atom canvas-text Mb(1.0em) Mb(0)–sm Mt(0.8em)–sm" type="text" content="Bonus: The plan offers one of the highest coverage for accidental death and disability and includes an infectious diseases rider.” data-reactid=”45″>Bonus: The plan offers one of the highest coverage for accidental death and disability and includes an infectious diseases rider.

<h2 class="canvas-atom canvas-text Mb(1.0em) Mb(0)–sm Mt(0.8em)–sm" type="text" content="4. The one who rides a two-wheeler” data-reactid=”46″>4. The one who rides a two-wheeler

<p class="canvas-atom canvas-text Mb(1.0em) Mb(0)–sm Mt(0.8em)–sm" type="text" content="It’s unfortunate that a cyclist is more vulnerable on the roads than the person behind the wheel of a car. Singapore has a long way to go before she becomes a truly cyclist-friendly nation with the right infrastructure to support safe cycling. And it can be unfair to expect anyone to give up these convenient and affordable modes of transport that are also sustainable and earth-friendly.&nbsp;” data-reactid=”47″>It’s unfortunate that a cyclist is more vulnerable on the roads than the person behind the wheel of a car. Singapore has a long way to go before she becomes a truly cyclist-friendly nation with the right infrastructure to support safe cycling. And it can be unfair to expect anyone to give up these convenient and affordable modes of transport that are also sustainable and earth-friendly. 

Those who like to kick-scoot or skateboard to the corner store are in the same quandary. While cycling tracks and park connectors are made for two-wheelers, no one can foresee a slippery patch on the road and accidents do occur even on such designated paths. So an accident protection plan would be useful if ever – touch wood – something happens to these bikers and boarders.

<p class="canvas-atom canvas-text Mb(1.0em) Mb(0)–sm Mt(0.8em)–sm" type="text" content="What’s good: Etiqa’s eProtect personal mobility gives protection to mobility device users, so it’s perfect for people who cycle, kick-scoot, skate or use personal electric mobility devices. Coverage includes medical expenses, personal accident and personal liability coverage in addition to bicycle damage and theft coverage as an optional add-on.” data-reactid=”49″>What’s good: Etiqa’s eProtect personal mobility gives protection to mobility device users, so it’s perfect for people who cycle, kick-scoot, skate or use personal electric mobility devices. Coverage includes medical expenses, personal accident and personal liability coverage in addition to bicycle damage and theft coverage as an optional add-on.

<p class="canvas-atom canvas-text Mb(1.0em) Mb(0)–sm Mt(0.8em)–sm" type="text" content="Bonus: If you’re the sort to do overland biking trips overseas, you can even opt for a geographical limit extension to get coverage in Malaysia and Thailand or protect your beloved cycle against lost/damage in transit. This is especially sweet because you don’t need to hunt for an additional plan!” data-reactid=”50″>Bonus: If you’re the sort to do overland biking trips overseas, you can even opt for a geographical limit extension to get coverage in Malaysia and Thailand or protect your beloved cycle against lost/damage in transit. This is especially sweet because you don’t need to hunt for an additional plan!

<h2 class="canvas-atom canvas-text Mb(1.0em) Mb(0)–sm Mt(0.8em)–sm" type="text" content="5. The one who freelances” data-reactid=”51″>5. The one who freelances

We have seen many people who work ad hoc jobs get affected by COVID-19, more so than others. Writers, graphic designers, musicians, yoga instructors and others in the gig economy had their livelihoods taken away due to the circuit breaker shutdowns. 

But they would not have to wait for a pandemic to happen to experience a loss of income: just getting food poisoning or breaking an arm could mean that they’re unable to perform onstage or pick up passengers, thus losing their pay for that duration of illness or injury. A personal accident plan is an affordable way to manage these risks.

<p class="canvas-atom canvas-text Mb(1.0em) Mb(0)–sm Mt(0.8em)–sm" type="text" content="What’s good: FWD’s Personal accident insurance is one of the most comprehensive options on the market, covering everything from the usual health and hospitalisation to lifestyle needs, such as ticketed event cancellations, personal liability and taxi allowance.” data-reactid=”54″>What’s good: FWD’s Personal accident insurance is one of the most comprehensive options on the market, covering everything from the usual health and hospitalisation to lifestyle needs, such as ticketed event cancellations, personal liability and taxi allowance.

<p class="canvas-atom canvas-text Mb(1.0em) Mb(0)–sm Mt(0.8em)–sm" type="text" content="Bonus: You can also attach a rider to cover damage to personal electronic devices. If you’re a freelance designer, writer or anyone whose professional life is wholly dependent on their tablet, laptop and mobile device, this is an essential.&nbsp;” data-reactid=”55″>Bonus: You can also attach a rider to cover damage to personal electronic devices. If you’re a freelance designer, writer or anyone whose professional life is wholly dependent on their tablet, laptop and mobile device, this is an essential. 

<p class="canvas-atom canvas-text Mb(1.0em) Mb(0)–sm Mt(0.8em)–sm" type="text" content="Read these next:
Personal Accident Insurance: What Does It Cover and Should You Buy One?
How Insurers and Banks Are Helping You Survive COVID-19 (Whether Quarantine or Debt)
5 Ways to Cope With Financial Setbacks Hitting Singaporeans Hard Amid COVID-19
How Much Do Health Screenings In Singapore Cost?
10 Travel Bucket List Experiences That You Should Buy Travel Insurance For

” data-reactid=”56″>Read these next:
Personal Accident Insurance: What Does It Cover and Should You Buy One?
How Insurers and Banks Are Helping You Survive COVID-19 (Whether Quarantine or Debt)
5 Ways to Cope With Financial Setbacks Hitting Singaporeans Hard Amid COVID-19
How Much Do Health Screenings In Singapore Cost?
10 Travel Bucket List Experiences That You Should Buy Travel Insurance For

<p class="canvas-atom canvas-text Mb(1.0em) Mb(0)–sm Mt(0.8em)–sm" type="text" content="By Ana Ow
Ana has been a travel writer for various news outlets since 2007 and has a passion for crossing things off her bucket list (tiger safari in India, checked; meeting with the Dalai Lama in Ladakh, checked; Northern Lights sighting in Norway, checked thrice). She loves collecting visits to UNESCO World Heritage Sites (preferably with her husband and two children) and is obsessed with Disney parks and cruises.
” data-reactid=”64″>By Ana Ow
Ana has been a travel writer for various news outlets since 2007 and has a passion for crossing things off her bucket list (tiger safari in India, checked; meeting with the Dalai Lama in Ladakh, checked; Northern Lights sighting in Norway, checked thrice). She loves collecting visits to UNESCO World Heritage Sites (preferably with her husband and two children) and is obsessed with Disney parks and cruises.

<p class="canvas-atom canvas-text Mb(1.0em) Mb(0)–sm Mt(0.8em)–sm" type="text" content="The post 5 Types Of People Who Must Get Personal Accident Insurance appeared first on SingSaver Blog – We Compare, You Save.” data-reactid=”65″>The post 5 Types Of People Who Must Get Personal Accident Insurance appeared first on SingSaver Blog – We Compare, You Save.