Hassle-Free Enrolment

Get immediate personal accident coverage through our straightforward application process, with no medical examination required. Simply choose your plan and you are covered.

Free Coverage for Your Children

If you and your spouse are both insured under a single Sapphire Enhanced Choices policy, your children will enjoy complimentary coverage of up to 25% of selected benefits, giving your whole family peace of mind.

Coverage for Bites and Food Poisoning

Receive up to S$250 per day while you are hospitalised, and up to S$10,000 reimbursement for in- and outpatient medical treatment for animal and insect bites, including dengue fever and food poisoning.

Temporary Disability Benefit

Should an injury result in Temporary Total Disablement, we will provide up to S$400 or 75% of your weekly income per week, helping ease the financial impact during your recovery.

Wide Choice of Add-Ons

Tailor your personal accident plan with a broad range of optional add-on benefits designed to reflect your lifestyle.

Pet Care

During your hospitalisation, we will pay S$50 per day toward kennelling or boarding costs for your cat or dog.

Reimbursement of Event Tickets

If you are hospitalised due to injury and cannot attend a pre-paid event, we will reimburse up to S$300 for non-refundable ticket costs.

Damage to Personal Effects

If personal items were damaged, lost or stolen during an accident that led to your hospitalisation, we will cover up to S$500.

Physiotherapy Reimbursement

Following an accident, we will cover prescribed physiotherapy sessions up to S$100 per visit and up to S$300 per accident, supporting a faster recovery.

Complementary or Alternative Medicine

Prefer traditional Chinese medicine (TCM)? We will reimburse you up to S$750 for TCM treatments related to your accident.

Daily Hospital Income

Reduce the financial impact of a hospital stay with cash payments of up to S$100 per day of hospitalisation due to illness.

Lifestyle Maintenance Benefit

In the event of accidental death, a one-time payment of up to S$25,000 helps protect your loved ones’ standard of living.

Child Support Fund

In the event of accidental death, we will provide up to S$25,000 per dependent child to support their financial needs during a difficult time.

Protection Against Critical Illness

For an affordable additional premium, receive up to S$80,000 in coverage for five major critical illnesses: cancer, heart attack, stroke, kidney failure and coronary artery bypass surgery. These five conditions account for the majority of all critical illness claims in Singapore, making this an important layer of protection to consider alongside your personal accident insurance.