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3 Groups of People That Should Buy Personal Accident Insurance

Singapore is a first class economy, meaning simple expenses can run into millions. Like any other place in the world, life in Singapore can be uncertain. As such, accidents can happen at any time. For this reason, one needs a Personal Accident insurance plan to hedge against such risks.

Personal accident insurance is essential. Especially for those exposed to high-risk factors. In particular, people who are especially active in one way or another.

It is safe to say that certain groups of people are generally more prone to accidents than others. The groups that might need personal accident cover are very diverse. However, there are a few groups that this article will highlight.

You will then be able to get a better understanding of what type of covers you should be looking at.

Young children

A study carried out by doctors from KK Women’s and Children’s Hospital (KKH) highlights the lack of safety belts being worn by children.

According to the study, approximately 2,468 children who were not wearing safety belts received treatment between 2012 and 2017. Interestingly, most of the children were under 16 years.

The most common cause of injuries was car accidents in which the children were under properly restrained. However, this does not necessarily mean that the parents did not properly restrain their child.

Therefore, it is vital that parents take a personal accident coverage to prevent unforeseen circumstances. In essence, hedging against the possibility of children getting injured brings peace of mind. Further, the children will be able to get the best available care as finances will not be too much of an issue.

Manual labourers

In 2015, the Ministry of Manpower (MOM) revealed that many Singaporeans are shunning jobs that are physically strenuous. According to MOM, most local people prefer jobs in the PMET (professionals, managers, executives, and technicians) category.

As such, almost three-quarters of vacancies in positions such as labourers and cleaners mostly fall vacant. However, the few that do take up the jobs face the risk of accidents.

Personal accident insurance covers all eventualities including partial or complete disability. Further, if one were to die in an accident while working a machine, the insurance will help support the insured’s family.


Regardless of your occupation, accidents can happen at home. Although people take medical insurance and other types of policies, the cover might not always be comprehensive.

One could be in the shower, and a slip leads to permanent disability. If this were to happen to a family’s sole breadwinner, the family will be left in financial crisis.

Parents are a significant part of the family. Children look upon them for support, and they should live good. Notably, this is another area that the insurance helps. Once you have taken the policy, it will ensure that in the event of death, the insurer will appropriately compensate the family.

It is apparent that personal accident insurance plays a vital role in ensuring peaceful transitions into adversity. Further, this kind of cover is more specific and does not gloss over details like medical insurance.


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