Personal Insurance in Singapore

Allegiance provides a variety of Personal Insurance solutions, including health, home, personal accident, car, domestic helper insurance and travel insurance, designed to protect you and your loved ones.

Our advisors can guide you through the options, asking the right questions to gather your requirements before recommending a plan that fits your situation.

Simply contact us through our website or call, and one of our advisors will work with you to create a customised quote based on your requirements.

Making a claim is straightforward with Allegiance. Contact our claims support team, and they’ll guide you through the documentation and processing steps, ensuring you receive assistance as quickly as possible.

Depending on the type of personal insurance applying for, our advisors will guide you in the information gathering process. Personal insurance such as full name, date of birth, NRIC/FIN no., etc are basic information that will be required.

Yes, the policy can be cancelled at any time and the amount of premium refunds (if any) will be stated in the policy wording.

While health insurance covers medical expenses, personal accident insurance provides coverage for permanent disability or death due to an accident, providing you and your family with financial support during these difficult times.

Personal Accident Insurance provides coverage for unexpected injuries; accidental death and dismemberment benefit, accidental medical reimbursement, temporary total disablement (pays weekly income if unable to continue with business/occupation temporarily following an accident), daily hospital income, ambulance fee, etc. Some plans also allow for optional benefit to be added to broaden the coverage.

Yes, you can add additional drivers to your Car Insurance policy. Each additional driver may impact the premium, depending on their age, occupation, driving history and experience. Talk to us for more information.

If you’re involved in a hit-and-run, report the incident to the police immediately, document any evidence, and contact our claims team.

Yes, the sum insured should be reviewed to ensure that the amount is sufficient to replace/reinstate the home contents, renovations, fixtures fittings as new to avoid being penalised for under-insurance in the event of a claim.

Theft coverage is usually included in home insurance policies. However, some policies may only cover burglary, defined as theft involving forcible entry or exit. A such, it is important to check with your insurer and refer to the policy document for the full terms and conditions.

MOM requires the employers to purchase medical insurance (MI) and personal accident insurance (PAI) for their migrant domestic worker (MDW) as part of their medical obligations to their domestic helper. The MI provides coverage for inpatient hospital and surgical expenses as well as day surgery expenses.

Unlike other workers, Foreign Domestic Workers (FDWs) are not covered by the Workman Injury Compensation Act (WICA). Since FDWs live and work in the same household, it’s hard to tell if injuries are work-related. Therefore, employers must also purchase personal accident insurance (PAI) for FDWs, which compensates them for permanent disablement or death, regardless of whether the accident was work-related.

You must also buy a $5,000 security bond for each migrant domestic helper (MDW) except for Malaysian helpers. This amount will be paid to the government if either you or your helper breaks the law or Work Permit Conditions

For convenience, we offer maid insurance package which meets the above requirements and other benefits.

• Completed and signed proposal form
• MOM In-principle approval (IPA) or MOM renewal letter (for renewal of helper’s work permit)

Travel Insurance policies cover medical emergencies, trip cancellations, lost/delayed luggage, and travel delays. Many plans also offer COVID-19 coverage for medical and trip interruption expenses.

Yes, we offer travel insurance which provides the following COVID-19 related benefits:

• Overseas Hospital/Quarantine Allowance
• Medical Expenses
• Emergency medical evacuation & repatriation
• Trip disruption & cancellation