Personal Accident Insurance > FAQ

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The policyholder must be aged 18 years and above. We'll cover you and your spouse up to the age of 65. For renewal we'll cover you both up to the age of 70. Your policy can include your children too, from aged 15 days up to the age of 18 years. If your child is not married and still a full-time student then we'll cover them up to the age of 24.

We have to exclude some people so that we can keep your premium as low as possible.

We cannot cover you if:

	You have had your personal accident insurance either declined or you have only been accepted on special terms.
	You're participating professionally in any competitive sports.
	You're involved in any of the following trades or services: - Personnel of foreign armed forces - Professionals who are involved with the entertainment industry - Professional sportsmen or sportswomen - Foreign diplomats and foreign diplomatic staff

Read DirectAsia.com Policy Details for complete information including limits and conditions.

Your personal accident premium is calculated based on a number of factors including your age, profession, and whether you engage in risky activities in sports or in your work. Your premium is also based on the level of coverage you choose. We have three levels of coverage to choose from.

You can get a personal accident insurance quote by following our simple step by step guide.

You can print your policy documents straight away. Once you receive your policy you have 14 days in which to decide whether this policy is right for you. If you cancel it within this 14 day period you'll receive a full refund, provided you haven't made a claim.

If you need time to gather more information, then you can save your quote and go back to it at a later date. Your quote will be saved in our system and is valid for 90 days.

Yes, you can pay your premium in monthly instalments with your credit card at no additional cost.

No, this would not be possible. We need to take care of our customer’s interests and security, so the credit cardholder must be the policyholder. Your security matters to us. You may want to consider payment by cash or cheque.

You need to take into account your own circumstances and needs when deciding how much personal accident cover to take out.

Consider the following:

How much your family would need without your salary to support them.

How much your family would need to pay towards medical bills, funeral costs or renovations to a home if you or any of your loved ones became disabled.

You should also take into account how much premium you would want to pay.

We have three levels of cover for you to choose from. Click here to see the table.

Many of these are standard across the insurance industry?

It excludes gradual physical or mental deterioration, diseases, sicknesses and infections, even if such conditions result from or are connected with the accident

You are not covered if you an accident whilst actively engaged as a professional sports person, entertainer, car or motorcycle racer, or participating in rock climbing, caving, pot-holing, mountaineering that necessitates the use of ropes, sky diving, parachuting, bungee jumping, taking part in or practicing for speed or time trials, sprints or any form of race (other than on foot or swimming), rafting or canoeing involving white water rapids, underwater activities necessitating the use of underwater compressed air or gas, boxing, wrestling, jet skiing, competitive snow or ice sports (including ski racing in major events), off-piste skiing, ski jumping and the use of bob sleighs or skeletons, hunting, expeditions or the crewing of a vessel from one country to another.

We make it simple for you to take out our cover for immediate peace of mind. No time-consuming risk assessment or costly medical certificate is needed. You’ll need your NRIC and that of your family members if included on your policy.

Make a police report if an injury or death resulted from a traffic accident, crime or malicious act.

Notify us as soon as possible and submit your claim within 30 days of the accident with the following original documents:

	Completed claim form
	Medical report and other medical documents
	Medical bills
	Police report (only needed if an injury/death resulted from a traffic accident, crime or malicious act)
	Documents regarding the deceased. These include death certificate, autopsy report, coroner’s findings.

Our claims process couldn’t be simpler. You call us on 6532 1818 and we take care of the rest!

Whether you have an accident, or your spouse or children who are included on your policy have an accident, our claims’ process is always the same. CALL US. If you are overseas, call us at +65 6603 3699. Click here for more details on how to make a claim.

You may only be covered under one DirectAsia.com personal accident policy for the same loss or damage. If you are covered under more than one, we will consider you as being covered under the policy with the highest benefit level only.

You can contact us to request a change to your cover.

You may call our customer service centre hotline at 666 55555 from Monday to Friday, 8am to 8pm (Effective 15^th March 2012, Service Centre will be closed on Saturdays, Sundays and Public Holidays. Accident and emergency services remain available 24/7.) or email us at CustomerService@DirectAsia.com

Because we are an online company, you can easily make changes to your personal details 24/7, at a time that is convenient for you. Most of your insurance details can be managed from our website. Your own My Account space stores all your insurance documents safely online. You will also be able to change your particulars, including contact information and much more - all online!

If you need to speak to us, you may call our customer service centre hotline at 666 55555 from Monday to Friday, 8am to 8pm (Effective 15^th March 2012, Service Centre will be closed on Saturdays, Sundays and Public Holidays. Accident and emergency services remain available 24/7.) or email us at CustomerService@DirectAsia.com

Direct Asia Insurance (Singapore) Pte Ltd (Reg No: 200822611G) is licensed by the Monetary Authority of Singapore and is subject to the stringent reporting and compliance requirements of the insurance industry.

DirectAsia's owner, Whittington Group, has over the last 17 years been approved by local regulators as an owner of insurance businesses in Europe, USA and Asia.

DirectAsia is reinsured by Munich Re, one of the world's leading reinsurers.

We have a hugely experienced team of insurance professionals who have worked in the most demanding of countries where direct online insurance is the norm.

DirectAsia has the latest security protection architectures and tools in place to secure credit card transactions and protect customer data.

DirectAsia Personal Accident insurance in Singapore is issued by Direct Asia Insurance (Singapore) Pte Ltd.

To read more about DirectAsia, click here.

Yes, we're based in the Central Business District at 88 South Bridge Road, Singapore 058716.
Click here for directions to our office.