PA Fitness

David, a 35-year-old sports enthusiast, signed up for PA Fitness Protect Superior Plan to safeguard his active lifestyle. He also added on the optional Sports Equipment Rider to protect his $5,000 bicycle.

He paid a total premium of $1,026.

• Main plan premium: $350
• Sports Equipment Rider premium: $600
• Total premium before GST: $950
• Total premium including 8% GST: $1,026

While training for his overseas cycling event, he skidded over a pothole and crashed into a pedestrian. The pedestrian suffered a broken hip while David suffered a leg fracture and damage to his bicycle. Due to the injury, he is unable to attend his overseas cycling event next week.

He incurred the following costs:

• Accidental medical expenses to treat his leg fracture: $7,000
• Extra medical expenses to cover physiotherapy fees: $1,000
• Compensation of pedestrian's medical expenses to treat the broken hip (Third Party Liability): $120,000
• Forfeited cycling event ticket (Unused event fee): $200
• Bicycle repair expenses: $2,000

Total claimable amount:

• Under the main plan: $128,200
• Under the optional Sports Equipment Rider: $1,800 (after co-payment of $200)

With PA Fitness Protect, David is able to pursue his active lifestyle with peace of mind.