Accident Protection

Xtra Guard PA

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Overview
Benefits
Terms & Conditions
Additional Protection

Xtra Guard PA | Comprehensive Personal Accident

A personal accident plan that takes care of your family and provides a financial safety net in the event of a serious injury, disability, or death due to accident.

Coverage Period

Up to 85 years old (Adult Plan)

Up to 23 years old (Juvenile Plan)

Entry Age

16 - 75 years old (Adult Plan)

14 Days - 15 years old (Juvenile Plan)

Product brochure

Product disclosure sheet

Benefits

Support through the worst

If you suffer losses from permanent total disability due to an accident, you will receive the Double Living benefit to help you cope with the effects of the disability and face the times ahead.

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Support through the worst

If you suffer losses from permanent total disability due to an accident, you will receive the Double Living benefit to help you cope with the effects of the disability and face the times ahead.

Anniversary bonus

Get up to 100% with the Anniversary Bonus if you continue to renew your policy for the first two policy years

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Anniversary bonus

Get up to 100% with the Anniversary Bonus if you continue to renew your policy for the first two policy years

Medical protection & alternative treatments

We will reimburse medical and surgical expenses, such as inpatient and outpatient treatments caused by an accident. It also covers medical expenses incurred by acupuncturists, bonesetters, chiropractors and osteopaths.

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Medical protection & alternative treatments

We will reimburse medical and surgical expenses, such as inpatient and outpatient treatments caused by an accident. It also covers medical expenses incurred by acupuncturists, bonesetters, chiropractors and osteopaths.

Weekly payout (adult plan only)

Receive a weekly payout for up to one year if you experience temporary total disability due to an accident. For temporary partial disability due to accident, you'll receive 25% of the weekly benefit up to one year.

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Weekly payout (adult plan only)

Receive a weekly payout for up to one year if you experience temporary total disability due to an accident. For temporary partial disability due to accident, you'll receive 25% of the weekly benefit up to one year.

Waiver of premium (juvenile plan only)

If the policy owner passed away due to an accident or sustains a Permanent Total Disability, we shall, subject to the terms and provisions, waive the premiums payable under the policy.

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Waiver of premium (juvenile plan only)

If the policy owner passed away due to an accident or sustains a Permanent Total Disability, we shall, subject to the terms and provisions, waive the premiums payable under the policy.

Terms & Conditions

You must disclose details such as your occupation, personal interests or hobbies that could affect your risk profile and number of personal accident policies that you have with other insurance companies.
After the first premium, a grace period of 31 days from the premium due date is allowed for payment of each premium. The policy will remain active during the grace period. If a loss occurs during the grace period, any unpaid balance of premiums due for the full policy year will be deducted from the proceeds payable under the policy.
You must tell us in writing if you change your occupation. We will review your new occupation to see if it falls within the occupation categories covered under this plan.
You must give us written notice of a claim within 30 days of the accident that caused your injury. If death occurs, an immediate notice of claim must be given to us.

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Additional Protection

Medical Coverage Booster

XTRA GUARD BOOSTER

Xtra Guard Booster provide you with greater benefits in addition to your Xtra Guard PA plan and it boosts your medical coverage in the event of an accident and provides death coverage due to Dengue viral fever.

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Latest Offers & Promotions

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Financial Health Check

Understanding your financial health and how well you are covered is the first step to achieving a healthier, longer and better life.