Essential Protector Plus

Flexible protection and investment: To achieve the right balance between protection and accumulation - as your needs change through life - consider Smart Life Advantage.

Critical illness: To help pay for treatment expenses across three stages of illness - early, intermediate and critical - consider Critical Care Advantage.

Loss of income: To protect yourself against losing your monthly income because of illness or injury, consider Pay Assure.

¹ The reimbursement limit for treatments by an overseas chiropractor will not be doubled. Treatments by an overseas Traditional Chinese Medicine (TCM) practitioner are not covered.

² Up to S$500 per accident for treatments sought in Singapore from a Traditional Chinese Medicine (TCM) practitioner registered with the Ministry of Health in Singapore, or a chiropractor who has a degree in chiropractic and is registered with a recognised chiropractic organisation.

³ Payable for up to 180 days of hospitalisation. For this benefit, a 30-day waiting period applies if hospitalisation is due to Dengue Haemorrhagic Fever (DHF) or food poisoning.

⁴ Upon meeting the terms of declaration in the proposal form. Exclusions apply for occupational risks.

⁵ Terms and conditions apply.

All ages specified refer to age next birthday.

This policy is only for Singapore Citizens/Permanent Residents (PRs). If you are not a Singapore Citizen/PR, you have to meet certain residency requirements before you can apply for a policy or renew it.

The above is for general information only. It is not a contract of insurance. The precise terms and conditions of this insurance plan are specified in the policy contract.

It is usually detrimental to replace an existing accident and health plan with a new one. A penalty may be imposed for early plan termination and the new plan may cost more, or have less benefits at the same cost.

This plan is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

In case of discrepancy between the English and Chinese versions, the English version shall prevail.

Information correct as on 27 February 2015.