Group Personal Accident

24-hours worldwide protection against mishaps

Group Personal Accident

Group Personal Accident covers you for accidental injury and accidental death includes normal daily activities in addition to official duties.

Key Benefits:

  • Get maximum coverage of S$600,000 at S$0.20 per day, if you get injured or pass away as a result of an accident1
  • 150% of your coverage if Total and Permanent Disability (TPD)1 is due to an accident
  • Coverage for simple fracture or other fracture due to accident
  • Pay the same premium rate up to age 65 (ANB)
  • Reimbursement of ambulance cost
  • Get up to S$10,000 of Mobility Aid upon Accidental Total & Permanent Disablement
  • Get up to S$10,000 of Home Rehabilitation Renovation Expenses
  • Get S$250 of Accidental Hospital Recuperation Benefit
  • 24/7 worldwide coverage
  • Your spouse can continue to be covered in the event of your death

For details on the plan benefits, please click here.

Protection Cover and Premium Rates:

You and your spouse / children may choose to take up any amount of protection cover from a minimum amount of S$10,000 to a maximum amount S$600,000 in multiples of S$10,000.

Coverage Amount
Monthly Premium (S$)
Member / Affiliate Member / Spouse / Children
100,000 1.00
150,000 1.50
200,000 2.00
250,000 2.50
300,000 3.00
350,000 3.50
400,000 4.00
450,000 4.50
500,000 5.00
550,000 5.50
600,000 6.00

Note: This is not a Medisave-approved policy and you cannot use Medisave to pay the premiums for this policy. The monthly premium rates exclude prevailing GST.


  1. Premium shown is based on monthly rate (rounding off to the nearest cent) for an Insured Person, aged below 65 at next birthday.

    To be considered as total and permanent disability for the purpose of this Benefit, the total and permanent disability is defined as:

    1. total and permanent, such that there is neither at the time it is first sustained nor at any time thereafter, any work, occupation or profession that the Insured Person can ever sufficiently do or follow to earn or obtain any wages, compensation or profit; or
    2. The total and irrecoverable:

      1. loss of the sight of both eyes; or
      2. loss by severance of or total and permanent loss of use of both hands at or above the wrists; or
      3. loss by severance of or total and permanent loss of use of both feet at or above the ankles; or
      4. loss by severance of or total and permanent loss of use of one hand at or above the wrist and one foot at or above the ankle; or
      5. loss of sight of one eye and loss by severance of or total and permanent loss of use of one hand at or above the wrist or one foot at or above the ankle.

      If the sum payable in respect of a valid claim is above S$200,000, the Company will first pay a lump sum of S$200,000 and pay the balance in three (3) equal annual instalments. The first annual instalment will be paid on the 1st anniversary of the initial lump sum payment and the remaining two instalments will be paid on the 2nd and 3rd anniversary respectively. Please refer to the Product Summary for more details.

For enquiries on claims matters, please contact the Aviva Customer Service Hotline at 6827 8000 (Mondays to Fridays excluding Public Holidays, 8:45am to 5:30pm). You may also email us at

In addition, read our FAQs to find out more about MINDEF & MHA Group Insurance.