However, do you even know what you have bought after that verbal commitment? To make matter worse, what if there's a claim? Are you willing to be put on hold whilst doing a follow up on the status of your personal accident claim? Why not give that $10 per month to your insurance agent and let him/her do all that work for you and in fact give you the proper advice, rather than a telemarketer or bank teller, who is just "programmed" to sell and they are not even qualified nor trained in the insurance/financial industry! I asked some of my clients who bought such policies over the phone or through credit card companies why they did it and their reply? "It was such a small amount, so I didn't want to bother you!" Well to all my friends who are reading this, my answer to that is "Every drop makes an ocean" and I want to make sure you are wholly served by yours truly and not just on a partial basis, because if that happens, I only get a partial view of your financial situation.
OK, with that out of the picture..if you are looking for a real value for money personal accident plan in Singapore, I strongly recommend QBE PA Extra because they offer very good rates for high coverage and has loads of "freebies" thrown in with no deductibles.
Many people often think that the Australian based QBE handles mainly marine insurance, but didn't know that they do medical and personal accident policies as well. If you want to have more details on their PA plan, do visit this site for the brochure.