Why Do You Need It in an Office Setting?

Pretty much any office worker can benefit from having a personal accident plan, but they’re especially useful if…

You have a family relying on your income

If you are the sole breadwinner of the family or have children and elderly parents relying on your income, you need an accident plan.

In the scenarios above, we talked about how you can get income benefits from injuries that leave you temporarily unable to work. In addition to covering medical expenses, you also get a payout if the accident causes a long-term debilitating condition like permanent loss of sight, which makes you unable to do your job.  

No matter what happens to you, an accident plan helps you take care of your family’s basic needs, on top of covering medical fees.

Your parents will not be able to help you financially in case of an accident

Simple things like ambulance services, mobility aids, and outpatient treatments can cost up to the thousands and will not be claimable by your health insurance. These costs get compounded if your injuries land you in the hospital.

If your parents won’t be able to help you financially, you should seriously consider protecting yourself from medical expenses in case any accidents arise. Most plans cover outpatient care, but you may want to consider one that can also give a hospital cash benefit. This goes a long way in offsetting expenses in case you get hospitalized.

You work out or do sports

Like many Singaporeans, you probably have a gym membership, go running after work, or participate in team sports. Did you know that accident plans also cover medical costs that arise from sports injuries?

While extreme sports like skydiving are generally excluded, an accident plan will take care of outpatient medical expenses for sprains, broken limbs, and other injuries caused by everyday physical activity.   

You ride a motorbike

Basic motorbike insurance only covers damage to your motorcycle or property in case of an accident. But what happens if you get injured during a motorbike crash?

That is when a personal accident plan comes in. As with walking around the office and doing sports, your PA insurance covers medical fees in case you get injured during a motorbike accident. Considering that motorcyclists in Singapore are highly vulnerable to road accidents, it’s essential to get covered for medical expenses in case anything unexpected happens while you ride.


Источник: https://insurancemarket.sg/articles/personal-accident-insurance/why-do-you-need-personal-accident-insurance-in-an-office-setting/

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