PACare Plus (Enhanced)

Everyday Protection for the Whole Family

Life is full of simple joys to experience with your loved ones. The enhanced PACare Plus makes sure you’re there for every moment by protecting you from accidents all year round. Little ones are covered too if parents are protected by PACare Plus.


PACare Plus

     Benefits at a Glance

  1. Free Dependent Child Cover if Insured and spouse take up together in a single policy at inception or renewal
  2. Medical reimbursement coverage for Infectious Disease
  3. Inability to permanently perform 3 Activities of Daily Living after an accident is considered Permanent Total Disablement
  4. Double Indemnity for Death and Total Permanent Disability (TPD) when traveling in a Public Conveyance or due to floods, fire or explosions
  5. No Claim Bonus of up to 25%
Summary of Benefits
Accidental Death : Pays in the event of death due to Accidental bodily injury
Permanent Disablement : Pay based on Scale of Benefit Table in the event of Permanent Disablement
Double Indemnity : When Insured is traveling in a Public Conveyance, or when due to landslide, flood, fire or explosion
Temporary Total Disablement : Per week, maximum of 104 weeks per Accident
Temporary Partial Disablement : Per week, maximum of 104 weeks per Accident
Daily Hospital Cash : per day with a maximum period of 90 days per Accident
ICU Daily Hospital Cash : per day with a maximum period of 90 days per Accident
Compassionate Cash Relief : Pays a lump sum in the event of Accidental death
Medical Expenses : Reimburses for inpatient and outpatient treatment incurred due to Accident and Infectious Disease (per Accident)
Medical Expenses : Limits Doubles when Insured is traveling in a Public Conveyance, or when due to landslide, flood, fire or explosion, or when warded in an ICU of a Hospital
Traditional Chinese Medical and Chiropractor Treatment (per Accident)
Mobility Aid & Ambulance Service (per Accident)
24-hour Medical Assistance, Emergency Evacuation and Repatriation & Repatriation of Mortal Remains
Transport Allowance *NEW* : Reimburses taxi fare incurred within 60 days upon discharge from Hospital (per Accident)
Personal Liability *NEW* : Insures against third party claims for bodily Injury or property damage caused by Insured’s negligence
Trauma Counselling Expenses *NEW* : Pays the cost of counselling if the Insured suffers 50% or more Permanent Disablement (per policy year)
Comatose State Benefit *NEW* : Pays a lump sum if the Insured suffers a coma as a result of an Accident (per policy year)
Classification of Occupations
Class 1 : You are engaged in indoor & non-manual work in non-hazardous places
Class 2 : You are engaged in work of an outdoor or supervisory nature or involve occasional manual work, whose duties do not include use of tools and machinery and are not exposed to any special hazard, e.g. property agent, outdoor sales/marketing
Class 3 : You are engaged in manual work not of particularly hazardous nature, with or without the use of tools or machinery. E.g. baker, butcher, driver, chauffeur, veterinarian
Scope of Coverage according to your Age
18-65 years : Full coverage
66-70 years : Full coverage for renewals only
71-79 years : 50% of coverage, renewals only
Child : 50% of full coverage with additional premium payable (excluding Exclusive plan)
Additional Extensions
Full Terrorism Cover
Accidental Miscarriage
Bites from Insects or Animals
Food Poisoning
Motor Cycling
National Service Full-Time (when off-duty) and Reservist Training
Unscheduled Flight
Murder and Assault
Hijack or Kidnap
Flood and Other Convulsions of Nature
Free Child Cover for unlimited number of Children. Applicable only to the following benefits: Section 1 – Accidental Death, Section 2 – Permanent Disablement, Section 6 – Daily Hospital Cash and Section 9 – Medical Expenses
Singapore Citizens or Permanent Residents who are residing permanently in Singapore
Adults from 18 to 65 years of age. Policy renewable up to age 79 subject to yearly review
Dependent Child from 6 months to 18 years of age, or up to age 25 if he/she is enrolled in an educational institution on full-time higher education
Free Dependent Child Cover from 1 day to 18 years of age, or up to 25 if he/she is enrolled in an educational institution on full-time higher education
Major Exclusions
AIDS and diseases associated with HIV
Pre-existing conditions
Pregnancy, childbirth or its complications
Suicide or self-inflicted injury
War and nuclear-related events
Participating in any professional sports, rock climbing (except on man-made walls) or mountaineering which involves the use of guides or ropes, any underwater activities involving underwater breathing apparatus, any kind of speed contest or racing (other than on foot), motor rallies, hunting, potholing, caving, parachuting, sky diving, hang gliding, paragliding, cliff diving, bungee jumping, base jumping, competitive snow or ice sports
The following activities or sports, except undertaken on a leisure purpose under the supervision of a licensed guide or instructor, will not be covered: hot-air ballooning, ice or winter sports, hiking or trekking undertaken outside Singapore
Any kind of speed contest or racing (other than on foot) and motor rallies

Important Notice

This is for general information only. You can find the usual terms and conditions of this plan in the policy contract. All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want.

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 Income or visit the GIA/LIA or SDIC websites ( or or