Income PA Assurance is a personal accident plan sold in five tiers, and Superior sits in the middle. For $479.60 a year (or $552.63 with infectious disease cover, both as of June 2026), it pays $300,000 if you die in an accident, $450,000 for permanent disability, and up to $10,000 in accident medical bills with no health questions asked. The real question is not whether the plan is good. It is whether you need Superior at all, or whether Basic covers you for less and Prestige is the one you should stretch for. We checked every figure against Income's own 2026 brochure so you can decide on the numbers, not the sales pitch.
Personal accident insurance pays out when an accident causes death, disability, or injury that needs treatment. It is not health insurance and it is not life insurance. It only triggers on accidents, which is why premiums are low relative to the headline payouts. Income PA Assurance is the underwriter's flagship accident plan, and unlike a hospital plan it asks no medical questions at sign-up.
The plan covers you anywhere in the world, with overseas trips insured for the first 180 days of each absence from Singapore. Coverage on a motorcycle as rider or pillion is included at no extra premium, as long as you are not racing or hill climbing. Reservist training is covered without a surcharge. You can buy it from 15 days old up to age 70, and it renews yearly.
If you want to estimate how an accident payout fits your wider safety net, run the numbers through our net worth calculator and check whether your dependants would be covered without it.
Income renamed and expanded the range, so PA Assurance now runs Basic, Classic, Superior, Premium and Prestige. The payouts roughly scale with the premium. The table below uses Income's published 2026 rates, which include 9% GST and are non-guaranteed (Income can revise them at renewal).
Superior is the third rung. At $479.60 a year it costs about $1.31 a day. Adding infectious disease cover lifts it to $552.63 a year. Basic starts from $0.64 a day, which is the headline Income markets the plan on.
| Benefit / cost | Basic | Classic | Superior | Premium | Prestige |
|---|---|---|---|---|---|
| Accidental death | $100,000 | $200,000 | $300,000 | $500,000 | $1,000,000 |
| Permanent disability (max) | $150,000 | $300,000 | $450,000 | $750,000 | $1,500,000 |
| Accident medical (per accident) | $3,000 | $6,000 | $10,000 | $15,000 | $25,000 |
| Outpatient injury | $2,000 | $3,000 | $5,000 | $10,000 | $20,000 |
| Daily hospital income (per day) | $100 | $150 | $200 | $300 | $400 |
| Yearly premium (no infectious cover) | $233.26 | $361.88 | $479.60 | $817.50 | $1,045.31 |
| Yearly premium (with infectious cover) | $255.06 | $409.84 | $552.63 | $941.76 | $1,201.18 |
Stepping up from Basic to Superior triples your accidental death cover from $100,000 to $300,000 and your medical reimbursement from $3,000 to $10,000, for an extra $246.34 a year. Stepping up again to Premium doubles death cover to $500,000 but costs another $337.90 on top of Superior, which is a steeper jump for less proportional gain.
Superior also carries useful mid-tier extras: $4,000 for mobility aids per accident, a $15,000 family support fund paid on accidental death, $10,000 toward modifying your home if you are disabled, and $2,000 for psychological care after an accident. The plan pays double the death benefit, so $600,000, if the fatal accident happens on registered public transport.
One detail buyers miss: PlannerBee's 2026 comparison notes more than 90% of personal accident claimants choose plans with medical reimbursement under $5,000 a year. Superior's $10,000 limit is generous for most desk-bound workers, which is part of the case for stopping at Basic or Classic unless you have a higher-risk job or want the bigger death payout.
Income markets PA Assurance as having the most extensive infectious disease list among Singapore PA plans, covering 26 conditions including dengue, HFMD, chickenpox and shingles. Diseases diagnosed within 14 days of the policy start, or declared a pandemic by WHO or local authorities, are excluded.
If Superior feels like more than you need, Income's own PA Secure is the budget option. It covers from $0.25 a day, pays $50,000 or $100,000 accidental death depending on plan, reimburses up to $2,000 in medical bills, and covers 7 infectious diseases rather than 26. PA Secure's age window runs from 15 days to 65, narrower than PA Assurance's 70.
The trade is straightforward. PA Secure is for tight budgets and basic protection; PA Assurance Superior is for people who want six-figure death and disability cover plus meaningful medical reimbursement. If you are weighing accident cover against broader protection gaps, our guide to term life insurance in Singapore explains where a death-only policy does heavier lifting than a PA plan.
| Feature | PA Secure (Plan 2) | PA Assurance Superior |
|---|---|---|
| Accidental death | $100,000 | $300,000 |
| Accident medical (per accident) | $2,000 | $10,000 |
| Infectious diseases covered | 7 | 26 (optional add-on) |
| Age at entry | 15 days to 65 | 15 days to 70 |
| Yearly premium | $146.22 | $479.60 |
Superior suits a single income earner with dependants who wants a real death and disability cushion without paying Prestige money, or an active person who travels and rides who values the medical reimbursement and infectious disease cover. It is overkill for a child or a stay-at-home spouse with no income to replace, where Basic or PA Secure does the job for far less.
Remember that a PA plan is not a substitute for the two things that actually carry your household: hospital cover and income replacement. Before buying Superior, check that your MediShield Life or Integrated Shield Plan is sorted and that you have enough death cover overall. Our term life glossary entry and the term vs whole life comparison cover that hierarchy.
As of June 2026, Superior costs $479.60 a year without infectious disease cover, or $552.63 a year with it, both inclusive of 9% GST. Income lists the rates as non-guaranteed and may revise them at renewal, so check the current brochure before you buy.
Superior roughly triples Basic's core payouts: $300,000 accidental death versus $100,000, $450,000 permanent disability versus $150,000, and $10,000 accident medical versus $3,000. Superior costs about $246 more a year, so it is worth it only if you want the higher death and medical cover.
Yes, but only if you add the optional infectious disease cover, which raises the premium. It covers 26 conditions including dengue, HFMD, chickenpox and shingles. Diseases diagnosed within 14 days of the policy start, or those declared a pandemic, are excluded.
They do different jobs. Your Integrated Shield Plan pays hospital bills; a PA plan adds lump sums for accidental death or disability, daily hospital cash, and reimbursement of outpatient accident treatment like physiotherapy and TCM that medical plans often exclude. A PA plan complements rather than replaces hospital cover.
This is general financial information for Singapore, not personal financial advice. Figures change — verify current rates against the official sources above before acting. See our full disclaimer.