Essential Protector Plus | Personal Accident Insurance with Cash Payouts

Peace of mind with global protection against accidents

Essential Protector Plus, a personal accident plan, gives you the confidence to live life to the fullest no matter where you are. This plan is tailored to provide a double reimbursement limit1 for medical expenses while you are overseas. Plus, it provides a daily hospital income upon hospitalisation and offers a lump sum payout for accidental permanent disablement or accidental death.

Sign up online from S$0.64* a day or enhance your coverage as a rider to your existing or new regular premium plans2.

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Key benefits

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    Reimbursement of up to S$15,000 for medical expenses

    Receive up to S$15,000 on medical expenses per accident, including Traditional Chinese Medicine (TCM) or chiropractic treatments3. This reimbursement1 is doubled for an accident that happened overseas.

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    Get daily income upon hospitalisation

    Receive up to S$200 a day4 if you are hospitalised due to an accident, Dengue Haemorrhagic Fever or food poisoning.

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    Extra payout of up to S$8,000 for accidental injuries

    In the event of a fracture, dislocation or burn due to an accident, you’ll receive an extra payout5 of up to S$8,000, in addition to your reimbursed medical expenses.

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    Additional 20% coverage for ladies

    As a female, you’ll enjoy an additional 20% increase in sum assured for accidental death and permanent disablement and hospital income benefit.

How Essential Protector Plus works

Great Eastern

Your questions answered

Essential Protector Plus is a yearly renewable personal accident plan which is specially designed to pay benefits in the event of an accident which results in Accidental Death, Permanent Disablement or Fractures/Dislocations/Burns. This plan also provides coverage for Medical Expenses Reimbursement, Hospital Income Benefit and Mobility Aids Reimbursement.


This policy is not a MediSave-approved policy and you may not use MediSave to pay the premiums for this policy.

Please refer to the Table of benefits as shown in the brochure for the summary of benefits payable under Essential Protector Plus.

We will reduce all benefits payable under this policy by 50% if the Life Assured suffers a claim event while engaging in:

(a)    Sports coaching;

(b)    Motor cycling; or

(c)    Military or police service of a peace-time nature, namely normal training, rangework and military exercises including National Service under Section 10 of the Enlistment Act 1970 of the Republic of Singapore (other than peace-time reservist duty under Section 14 of the Enlistment Act 1970 of the Republic of Singapore whereby full benefits shall be payable).


Furthermore, if it is proven that the Life Assured suffered the claim event while engaging in any of these activities and in so doing, broke or disregarded the usual precautions and safety guidelines accepted for that activity, we may adjust any benefits otherwise payable under this policy or reject the claim for such benefit.

The premium rates for Essential Protector Plus are NOT guaranteed. These rates may be adjusted based on future experience. We may at our sole discretion change the premium rates by giving at least 30 days’ notice to the policyholder before the renewal date at which these amended rates apply.

There will be no protection under this policy if you surrender your policy early. As the policy has no cash value, you will also lose the premiums that you have paid.

This policy is renewable yearly up to the renewal date before the Life Assured turns age 76 next birthday. All endorsements on and variations in this policy which have been authorised by us and any premium loading imposed will also apply to the insurance granted upon renewal unless otherwise agreed in writing by us.


We reserve the right to amend the terms and conditions of this policy provided that (a) the amendment(s) take effect on the renewal date; (b) the amendment(s) apply to all policies of this class of insurance; and (c) we have informed the policyholder of the amendment (s) at least 30 days before the renewal date.


This is a short-term accident and health policy and we are not required to renew this policy. Renewability is not guaranteed and we reserve the right not to renew this policy by giving you 30 days’ written notice.

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Understand the details before buying

Daily rate is based on the annual premium of Essential Protector Plus Plan A, divided by 365 days and rounded off to the nearest cent. Premium rate is inclusive of the prevailing rate of GST. The prevailing rate of GST is subject to change. The premium rates for this policy are not guaranteed and may be adjusted based on future experience.

The limit for Complementary Medicine Practitioner treatments will not be doubled.

Plans include endowment, whole life, term or investment-linked policy with Great Eastern.

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.

4 Payable if Life Assured is hospitalised and confined for at least 12 consecutive hours, and up to 180 days of hospitalisation for each accident or illness. For this benefit, a 30-day waiting period applies if hospitalisation is due to Dengue Haemorrhagic Fever or food poisoning.

The benefit will be payable if the injury is caused by an accident, and such injury which occurs within 90 days of the date of that accident.

All ages specified refer to age next birthday.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

This policy is only for Singapore Citizens and Permanent Residents (PRs). If you are not a Singapore Citizen or 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.

You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy. In case of discrepancy between the English and Chinese versions, the English version shall prevail. 

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 ( or

Information correct as at 1 January 2024.   

Enhance your coverage

Check out products that supplement your coverage on top of what Essential Protector Plus provides