Personal Accident (Elderly) with ECICS

Get a Personal Accident (Elderly) Quote
Personal Accident Insurance for seniors in Singapore provides financial protection against these unexpected events, helping to cover medical expenses, recovery costs, and other accident-related needs so you and your loved ones can enjoy greater peace of mind.

ECICS e-PA Care Senior, our Personal Accident (Elderly) insurance plan, is specially designed for seniors, offering comprehensive coverage for accidental death, permanent disablement, fractures, burns, accidental medical expenses, ambulance services, and mobility aids. The plan also includes unique benefits such as financial support for the loss of Activities of Daily Living (ADLs) and smart home modification expenses following a serious accident, helping seniors recover safely while maintaining their independence.

With affordable premiums and no medical check-up required at the time of application, ECICS makes it easier to protect yourself or your ageing loved ones. Available to Singapore residents aged 40 to 75 years at the time of application, with renewable coverage up to age 85, our senior personal accident insurance provides practical, long-term protection tailored to the needs of older adults.

Key Coverage & Benefits

Caregiver Benefit
Smart Home Modifications
Accidental Medical Reimbursement Benefit
Mobility Aid Benefits
Caregiver Benefit
Monthly allowance to help pay for caregiver services
Smart Home Modifications
Up to $5K to install ramps, grab bars, or anti-slip features
Accidental Medical Reimbursement Benefit
Covers up to $1.5K for outpatient care like TCM or chiropractor
Mobility Aid Benefits
Get up to $1K for wheelchairs, walking aids, or home mobility gear

We protect more than just you

Your Selected Coverage

Broken Bones & Burns Benefit

Permanent Disablement

Compassionate Accidental Death Benefits

Loss of Activities of Daily Living Benefit

Caregiver Benefit

Accidental Medical Reimbursement Benefit (Per Accident)

Mobility Aid Benefit

Ambulance Service Benefit (Limit Any One Period)

Smart Home Modification

CLASSIC
$10,000
$15,000
$5,000
$15,000
$10,000
$500
$250
$200
$1,500
DELUXE
$15,000
$20,000
$5,000
$20,000
$20,000
$1,000
$750
$200
$3,000
PREMIER
$20,000
$25,000
$5,000
$30,000
$30,000
$1,500
$1,000
$200
$5,000
Footnote
Making a claim Simple and hassle-free.



Claims Process & Support

We’re here when you need us most
Making a claim Simple and hassle-free.



Claims Process & Support

We’re here when you need us most

Trusted by People Like You

Ms. Lim

We've been using ECICS for our helper's insurance for 5 years. The claim process is smooth, and we sleep better knowing she's protected.

@Wendy
Michelle

We've been using ECICS for our helper's insurance for 5 years. The claim process is smooth, and we sleep better knowing she's protected.

@james
James

We've been using ECICS for our helper's insurance for 5 years. The claim process is smooth, and we sleep better knowing she's protected.

@james
John & Amita

We chose the Exclusive plan, It's worth the investment, especially with rising medical costs.

@Amita

Trusted by People Like You

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Frequently Asked Questions

Are pre-existing medical conditions covered under ECICS Personal Accident insurance policy?

No, all pre-existing conditions are not covered.

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Do I have to go for a medical checkup before applying for ECICS Personal Accident insurance policy?

No, you do not need to go for a medical checkup but you will need to declare that you are in good health and free from physical or mental defect or infirmity or disease.

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Who is eligible for ECICS Personal Accident Insurance?

The Insured Person must be: - a resident of Singapore who is permanently residing in Singapore; and - between 18 and 65 years old (both inclusive) at the time of application.

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Does my occupation affect my premium?

Yes, our premiums are dependent on the Insured Person's occupation class. Class 1: Professionals/persons engaged in indoor & non-manual work in non-hazardous places. Examples: Accountant, Banker/Finance Officer, Lawyer, IT Professional, Teacher. Class 2: Professionals/persons engaged in work of an outdoor or supervisory nature or involved occasionally in manual work whose duties do not involve the use of tools or machinery or exposure to any special hazard. Examples: Property Agent, Sales Executive, Nurse, Chef, Physiotherapist. Class 3: Professionals/persons engaged in manual work, involving the use of tools or machinery but not of a particularly hazardous nature. Examples: Electrician, Car Mechanic, Commercial Driver, Gardener, Painter.

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Do I need Personal Accident insurance if I already have health insurance?

It depends on the level of protection you want. Health insurance usually covers inpatient medical expenses for illnesses and injuries. Personal Accident insurance provides additional coverage for death or injury due to accident and includes outpatient medical expenses.

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