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Income PA Assurance: Is It Worth the Price?

While NTUC Income's PA Assurance premiums are expensive, its wide range of benefits can be worth the cost for families and those working in manual professions.

Income PA Assurance: Is It Worth the Price?

While NTUC Income's PA Assurance premiums are expensive, its wide range of benefits can be worth the cost for families and those working in manual professions.


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Region of Coverage
Total Disability Coverage


  • Plan 4 is affordable for manual laborers and high-risk workers compared to similar plans
  • Can buy Plan 1 and 2 online
  • Generous mobility aid benefits
  • Offers family oriented coverage like miscarriage and child support benefits


  • Plans 1 and 2 cost above average
  • Child coverage isn't free

While Income's PA Assurance may not offer the cheapest personal accident plans on the market, their coverage may end up being worth the cost for a variety of individuals. For instance, manual or high-risk workers such as policemen or construction workers are likely to find the PA Assurance plans to be competitively priced for million dollar coverage. Furthermore, families may appreciate Income's wide variety of helpful benefits including a child educational support benefit, trauma counseling and above average medical coverage. However, the PA Assurance plan may not be not a great fit for most other consumers due to its high cost.

Table of Contents

Summary of Income PA Assurance Personal Accident Plans

Plans 1,2 and 3 cost above average and provides below average value for money
Plan 4 costs below average and offers a better value than Plan 1,2 or 3
Plans provide above average coverage for most benefits
Covers all types of occupations
Can purchase plans online

Income PA Assurance Plans Highlights

Income's PA Assurance can be a good option for those who need comprehensive coverage and aren't too cost-conscious. There are four options to choose from: Plan 1 which is the basic tier plan, Plan 2 & Plan 3, which are the mid-range options and Plan 4, which is the top-tier option. Generally, we found their premiums to cost between average to 43% above the industry average. However, there is one exception: Plan 4 is especially competitive for those working in class 4 occupations such as policemen, firefighters and construction workers. Despite this, we found it's miscellaneous benefits like medical and child support fund coverage to be consistently above industry average. Another bonus feature is that you can buy this policy online if you are purchasing Plan 1 or Plan 2.

This graph shows the cheapest personal accident insurance plans in Singapore.

In terms of coverage, the Assurance plans offer a variety of benefits that are hard to find in most other personal accident plans. For example, beyond the main coverages of accidental death, permanent disability and burns, Income also includes benefits in the base plans that are typically offered as optional add-ons by its competitors. For instance, every Assurance plan offers physiotherapy, diagnostic procedures and tests due to broken bones, home modification and ambulance fee coverage. Furthermore, should you get into an accident overseas, Income's Assurance plans also provides worldwide coverage, 24-hour emergency assistance and an emergency evacuation benefit.

Due to its comprehensive coverage and family-oriented benefits like miscarriage coverage, child support benefits and trauma counseling, we believe this plan could be a good option for affluent families. However, it is important to note that does not offer free coverage for children. This means that it may not be the best option for parents who want only want simple and free coverage for their children.

Coverage Also Includes

  • Acts of terrorism
  • Riot, strike, civil commotion, hijack, murder, assault
  • Disappearance
  • Exposure to natural elements
  • Food poisoning
  • Suffocation by smoke, poisonous fumes or gas
  • Drowning
  • Miscarriage due to accident
  • Motorcycling

Income PA Assurance Plan 1

Income's basic tier PA Assurance Plan 1 costs between 20-60% above average compared to basic personal accident plans. This makes it a less than ideal option for consumers who prioritise cost over coverage. Plan 1's coverage is quite comprehensive and there are a broad range of benefits. For instance, in addition to S$100,000 of accidental death and total and permanent disability coverage, you will also get a weekly income benefit (to help make ends meet while you're disabled), a daily hospital cash benefit, physiotherapy and home modification coverage. It is also one of the few plans offering coverage for risky and manual labor occupations, such as police work, construction and paramedics.

If you are willing to pay extra because you want to have counseling or physiotherapy, this plan could be a good option to consider. However, if you are not set on a particular benefit, you should note there are plans available that can be up to 60% cheaper for similar coverage.

Premiums & CoveragePlan 1Basic Plan Avg.
Group A Occupation Premium (indoors, no risk)S$198S$138
Group B Occupation Premium (high risk, use of machinery)S$428S$346
Accidental DeathS$100,000S$86,364
Total & Permanent DisabilityS$150,000S$95,455
Medical Expenses for Accidental InjuryS$2,000S$2,143
Mobility aidsS$2,000S$1,800
Weekly Cash (up to 104 weeks)S$100S$88

Income PA Assurance Plan 2 & 3

Income's PA Assurance's mid-tier Plan 2 and Plan 3 options cost well above average for mid-range personal accident plans. In fact, even when you compare Plan 3 to the average top-tier plan, it still ends up costing up to 11% above average for most occupations. However, the coverage may make up for the above average premiums. This is because you will be getting a wide scope of benefits included in the base plan, while the amount of coverage you'll receive for these benefits is higher than average. For instance, coverage amounts for mobility aids, medical expenses and physiotherapy are not only above average for mid-tier plans, but they're up to 50% above the average coverage amounts for top-tier plans as well. Last, these plans also offer benefits such as trauma counseling and coverage for broken bone or fracture testing/diagnosis, which are not typically offered by other insurers.

Both plans may not be the best fit for those hoping to get a high value plan, since there are plans offering similar coverage but for less. However, Plan 3 may be a reasonable alternative to a top-tier plan. This is because it costs slightly below average compared to top-tier plans that offer S$500,000 of total coverage and also includes a wider scope of benefits than most PA plans on the market.

Premiums & CoveragePlan 2Plan 3
Group A Occupation Premium (indoors, no risk)S$417S$730
Group B Occupation Premium (high risk, use of machineryS$779S$1,235
Accidental DeathS$250,000S$500,000
Total & Permanent DisabilityS$375,000S$750,000
Medical Expenses for Accidental InjuryS$5,000S$10,000
Mobility AidsS$4,000S$5,000
Weekly Cash (up to 104 weeks)S$200S$300

Income PA Assurance Plan 4

Income's PA Assurance Plan 4 offers the best value out of all 4 plans and can be an appropriate option for affluent families or high-risk workers. For instance, not only is it one of the very few personal accident plans offering million dollar coverage for high risk occupations, but it is also the cheapest. In terms of coverage, you will receive S$1 million of accidental death coverage, S$1.5 million of permanent disability coverage and a plethora of miscellaneous benefits. These include trauma counseling, a child support fund, physiotherapy, home modification benefits, a weekly cash payout when disabled and daily hospital income.

Due to the benefits, this plan can also be a good option if you are seeking maximum protection for your family and price is not a determining factor in your selection. The child support benefit, weekly cash benefit and hospital income benefit all ensure that your family will not be left without financial support should you get into an accident. Furthermore, the trauma counseling can be beneficial for small children who may have a hard time coping with a life-altering disability.

Premiums & CoveragePlan 4Top-Tier Plan Avg.
Group A Occupation Premium (indoors, no risk)S$950S$659
Group B Occupation Premium (high risk, use of machineryS$1,900S$1,808
Accidental DeathS$1,000,000S$610,000
Total & Permanent DisabilityS$1,500,000S$665,000
Medical Expenses for Accidental InjuryS$20,000S$9,021
Mobility aidsS$6,000S$3,482
Weekly Cash (up to 104 weeks)S$500S$469

Optional Coverage

If you are willing to pay an extra 15% on your premiums, Income PA Assurance also offers an optional infectious disease add-on. This add-on will cover you for 22 infectious diseases including hand, foot and mouth disease, rubella, tuberculosis, malaria and yellow fever. The coverage you receive with this rider mimics the base plan coverage. This means you will receive death, medical expenses, daily hospital income, mobility aids and ambulance fee coverage among others but for infectious diseases. Though the combined cost of the policy and the add-on end up being quite pricey, this option may be worthwhile to consider if you or your family are at risk for any of these diseases.

Summary for Infectious Disease Add-on

Premiums & CoveragePlan 1Plan 2Plan 3Plan 4
Death BenefitS$100,000S$250,000S$300,000S$500,000
Permanent Disability CoverageS$100,000S$250,000S$300,000S$500,000
Medical ExpensesS$2,000S$5,000S$10,000S$20,000
Mobility AidsS$2,000S$4,000S$5,000S$6,000
Emergency Medical EvacuationS$50,000S$50,000S$50,000S$50,000
Diagnostic Procedures & TestsS$1,000S$2,000S$3,000S$5,000
Additional CostS$19-S$64S$63-S$116S$110-S$185S$142-S$285

Policy Exclusions

Income's PA Assurance plans do not cover suicide or intentional self-harm, mental illnesses, bacterial or viral infections, unnecessary cosmetic surgery, pre-existing medical conditions or injuries acquired through taking part in risky activities (skydiving, BASE jumping, paragliding, etc.). Furthermore, it will only cover you while you are outside of Singapore for no more than 180 days. To make sure you know exactly what you'll be covered for, you should always read the terms and conditions of the policy carefully.

Claims & Contact Information

To file a claim successfully, you must notify Income within 30 days of the eligible event occuring. To submit a claim, you have to supply all the relevant information including the claim form, original medical invoices, evidence and receipts. You can submit these documents in person at an Income branch, to your insurance advisor, by email or by post. According to Income's website, most claims should be settled within 10 days.

Contact Information
Customer Service Hotline6788 1111
Claims Hotline6788 6616
Claim Email[email protected]
Claims Mailing AddressIncome, Bras Basah PO Box 0132, Singapore 911802
PA Claim FormPDF

Income PA Assurance Cost & Features

A personal accident plan can be a great addition to cover up gaps in health or travel insurance coverage. However, you should always compare policies and pricing to make sure get the best price and coverage for your needs. Below, we summarised Income's Assurance plans cost and features. If you'd like to compare it to other products on the market, you can read our comprehensive guide to the best personal accident plans in Singapore.

Coverage & PremiumsPlan 1Plan 2Plan 3Plan 4
Group A Occupation PremiumS$198S$417S$730S$950
Group B Occupation PremiumS$428S$779S$1,235S$1,900
Accidental Death CoverageS$100,000S$250,000S$500,000S$1,000,000
Permanent Disability CoverageS$150,000S$375,000S$750,000S$1,500,000
Medical ExpensesS$2,000S$5,000S$10,000S$20,000
Mobility AidsS$2,000S$4,000S$5,000S$6,000
Weekly Cash (up to 104 weeks)S$100S$200S$300S$500
Daily Hospital Income (up to 365 days)S$100S$200S$300S$400
Diagnostic Procedures & TestsS$1,000S$2,000S$3,000S$5,000
Ambulance FeeS$200S$200S$200S$200
Trauma CounselingS$5,000S$5,000S$5,000S$5,000
Emergency Medical EvacuationS$50,000S$50,000S$50,000S$50,000

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Anastassia Evlanova

Anastassia is a Senior Research Analyst at ValueChampion Singapore, evaluating insurance products for consumers based on quantitative and qualitative financial analysis. She holds degrees in Economics and International Business Management and her prior working experience includes work in the capital markets sector. Her analyses surrounding insurance, healthcare, international affairs and personal finance has been featured on AsiaOne, Business Insider, DW, Vice, Her World, Asia Insurance Review, the Australian Institute of International Affairs and more.