Great Eastern’s PA Supreme - Affordable Personal Accident Coverage For High-Risk Individuals
Great Eastern’s PA Supreme - Affordable Personal Accident Coverage For High-Risk Individuals
ValueChampion Rating 
Pros
- Offers some of the cheapest plans on the market with high coverage for high risk occupations
- Offers optional but affordable child coverage
- Can be purchased online
Cons
- Above average prices for basic level plans
- Does not provide coverage for infectious diseases
Great Eastern’s PA Supreme is a no-frills personal accident insurance plan that offers basic coverage, which puts it on par with most other personal accident plans in the market.
One of Great Eastern’s PA Supreme’s selling points is that you can get personal accident coverage for not only you but your family as well. Your child can be insured for up to S$25,000 in the event of death or permanent disability. On top of that, you can get coverage for temporary disability, unlike many other personal accident plans out there.
Great Eastern’s PA Supreme offers good value for those who have manual labour jobs. Their annual premiums are also cheaper than the industry average for those who are classified under Class 3 - i.e. persons engaging in manual labour not of a particularly hazardous nature but involving the use of tools and machinery. This is especially true the higher the sum insured.
Table of Contents
| Great Eastern PA Supreme |
|---|
| Good coverage with no additional riders |
| Offers coverage for your entire family, children can be insured for up to S$25,000 as a rider |
| Offers benefits for temporary disability of S$500 a week for up to 104 weeks |
| Good value for those who have manual labour jobs with annual premiums below market average |
Great Eastern’s PA Supreme Personal Accident Insurance Highlights
In terms of coverage, Great Eastern’s PA Supreme has four different tiers of coverage for three different profiles classified by risk profile and occupation.
Great Eastern’s PA Supreme offers comprehensive coverage when it comes to the basics of personal accident insurance. It offers coverage for death or permanent disability, daily hospital allowance, medical and physician expenses, mobility aid, evacuation and repatriation and funeral expenses. This is on par with other personal accident insurance plans on the market.
On top of this, PA Supreme also provides coverage of up to S$500 for your personal belongings that become damaged as a result of an accident as well as a temporary disability benefit of up to S$500 a week, for up to 104 weeks.
Despite all of PA Supreme’s strengths, we noted that its PA plans fall slightly short compared to other insurers when it comes to the maximum amount of coverage they offer on their different plans. While some insurers offer plans of up to S$1,000,000 in coverage for death or permanent disability, the highest tier plan with Great Eastern only offers S$500,000 in coverage. This may not be sufficient for those who value extremely high coverage over all else.
PA Supreme Plan A
Great Eastern’s PA Supreme Plan A is the basic-tier plan that offers budget-constrained individuals a lower-cost personal accident plan. It still offers cash benefits in the form of temporary disability benefits and a daily hospital allowance that some other entry-level personal accident plans do not offer.
That being said, PA Supreme’s Plan A is slightly more expensive than other entry-tier personal accident plans, especially for lower-risk individuals with white-collar jobs.
| Premiums & Coverage | Plan A |
|---|---|
| Class 1 Occupation Premium (indoors, no risk) | S$159.84 |
| Class 2 Occupation Premium (supervisory roles and occupations that require travelling) | S$207.36 |
| Class 3 Occupation Premium (high risk, use of machinery) | S$287.28 |
| Death or Permanent Disability | S$100,000 |
| Temporary Disability (weekly up to 104 weeks) | S$100 |
| Daily Hospital Allowance (>24 hours, up to 90 days) | S$100 |
| Medical Expenses | S$2,000 |
| Mobility Aid | S$1,000 |
PA Supreme Plan B and C
Great Easterns PA Supreme mid-tier Plans B and C Assurance's mid-tier Plan 2 and Plan 3 are right on par with the industry average for other mid-tier personal accident insurance plans. While not the cheapest on the market, it does offer comprehensive coverage with good medical expense benefits. Its mobility aid benefits might be slighter lower than other mid-tier personal accident insurance plans.
Nevertheless, the temporary disability cash benefits that many other personal accident insurance plans do not include may well make the PA Supreme Plan B and C worthwhile for those looking for $200,000 to S$300,000 worth of coverage.
| Premiums & Coverage | Plan B | Plan C |
|---|---|---|
| Class 1 Occupation Premium (indoors, no risk) | S$280.80 | S$389.88 |
| Class 2 Occupation Premium (supervisory roles and occupations that require travelling) | S$365.04 | S$506.52 |
| Class 3 Occupation Premium (high risk, use of machinery) | S$505.44 | S$702.00 |
| Death or Permanent Disability | S$200,000 | S$300,000 |
| Temporary Disability (weekly up to 104 weeks) | S$200 | S$300 |
| Daily Hospital Allowance (>24 hours, up to 90 days) | S$200 | S$300 |
| Medical Expenses | S$4,000 | S$5,000 |
| Mobility Aid | S$1,000 | S$1,000 |
PA Supreme Plan D
Great Eastern’s PA Supreme’s highest tiered personal accident plan offers good value for money for those who work in manual, high-risk occupations. You can get comparable coverage with other personal accident plans on the market with S$500,000 death or permanent disability benefits for up to 30% cheaper.
| Premiums & Coverage | Plan D |
|---|---|
| Class 1 Occupation Premium (indoors, no risk) | S$600.48 |
| Class 2 Occupation Premium (supervisory roles and occupations that require travelling) | S$778.68 |
| Class 3 Occupation Premium (high risk, use of machinery) | S$1,076.76 |
| Death or Permanent Disability | S$400,000 |
| Temporary Disability (weekly up to 104 weeks) | S$500 |
| Daily Hospital Allowance (>24 hours, up to 90 days) | S$500 |
| Medical Expenses | S$7,000 |
| Mobility Aid | S$1,000 |
Coverage For Your Child
PA Supreme considers the whole family when providing coverage. You can insure your child for S$25,000 in the instance of death or permanent disability for an affordable price of S$56.16 a year, inclusive of GST. In doing so, you will also get coverage for medical and physician expenses, mobility aid, evacuation and repatriation and funeral expenses. The daily hospital allowance, temporary disability allowance and personal belongings allowance are not available under your child’s insurance plan.
| Premiums & Coverage | Child |
|---|---|
| Premium | S$56.16 |
| Death or Permanent Disability | S$25,000 |
| Medical Expenses | S$500 |
| Mobility Aid | S$1,000 |
Policy Exclusions
Great Eastern’s PA Supreme does not cover accidents caused by homicide, assault, acts of war, invasion, rebellions or nuclear accidents or weapons. Accidents that occur under the influence of illicit drugs, alcohol or are caused by intentional self-harm, suicide or mental disorders, extreme sports (such as winter sports, motor-rallying, mountaineering, etc.) and certain medical conditions are also not covered.
Furthermore, despite being able to purchase the plan, those working in hazardous work positions such as air/ship crewmembers, and military/naval personnel cannot claim for work-related accidents.
Lastly, routine general physical or other examinations including dental and cosmetic procedures are not covered, unless necessitated by a bodily injury caused by an accident.
Claims & Contact Information
You can submit your personal accident claim through your distribution representative or by post to Great Eastern's Claims Department (see table below). You can check the status of your claim online via e-Connect. Follow the instructions provided by Great Eastern and submit all the required documentation to avoid delaying your claims payout.
| Claims Information | |
|---|---|
| Customer Service Hotline | 1800 248 2888 |
| Product Enquiry Hotline | +65 6248 2211 |
| Mailing Address | The Great Eastern Life Assurance Company Limited, 1 Pickering Street, Great Eastern Centre #13-01, Singapore 048659 |
| Claims Submission | Documentation and Instructions |
Cost & Features
A personal accident plan can be a great addition to cover up any gaps in health or travel insurance coverage. However, you should always compare policies and pricing to make sure you get the best price and coverage for your specific needs. Below, we summarised Great Eastern’s PA Supreme costs 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 and Premiums | Plan A | Plan B | Plan C | Plan D | Child |
|---|---|---|---|---|---|
| Class 1 Premium | S$159.84 | S$280.80 | S$389.88 | S$600.48 | S$56.16 |
| Class 2 Premium | S$207.36 | S$365.04 | S$506.52 | S$778.68 | |
| Class 3 Premium | S$287.28 | S$505.44 | S$702.00 | S$1,076.76 | |
| Death or Permanent Disability | S$100,000 | S$200,000 | S$300,000 | S$400,000 | S$25,000 |
| Temporary Disability | S$100 | S$200 | S$300 | S$500 | NA |
| Daily Hospital Allowance | S$100 | S$200 | S$300 | S$500 | NA |
| Medical Expenses | S$2,000 | S$4,000 | S$5,000 | S$7,000 | S$500 |
| Physician’s Expenses | S$150 | S$150 | S$150 | S$150 | S$150 |
| Mobility Aid | S$1,000 | S$1,000 | S$1,000 | S$1,000 | S$1,000 |
| Personal Belongings | S$200 | S$300 | S$400 | S$500 | NA |
| Evacuation and Repatriation | S$50,000 | S$50,000 | S$50,000 | S$50,000 | S$25,000 |
| Funeral Expenses | S$3,000 | S$3,000 | S$3,000 | S$3,000 | S$3,000 |
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Enya is a budding Research Analyst at ValueChampion. She has a BA in Economics from the University of Melbourne and has previously worked in the banking sector. Enya combines her experience and passion for personal finance to bring digestible and enriching financial content to readers.