Essential Protector Plus

Personal Accident Insurance

Essential Protector Plus

Enjoy comprehensive coverage against accidents

Accidents can happen anytime, anywhere – and could mean huge bills for treatment and recovery. Essential Protector Plus reimburses you for medical expenses incurred due to accidents, anywhere in the world. And, if the accident occurs while you're overseas - and you seek treatment in that country - your medical expenses reimbursement limit will be doubled1.


That’s not all. If you're hospitalised due to an accident, Dengue Haemorrhagic Fever (DHF) or food poisoning, Essential Protector Plus also offers a daily hospital income benefit, which will help make up for loss of income while you recover. Plus, the plan offers lump sum payouts for permanent disablement or death from accidents.


As a Life Company, our focus is on our customers' health & wellbeing and we are pleased to extend complimentary Zika coverage to provide you with the much needed protection. Essential Protector Plus is enhanced to provide death benefits, medical expenses reimbursement and Microcephaly payout due to Zika virus infection.


You can refer to the Terms and Conditions of the Zika Coverage here.

Key benefits


Be reimbursed for medical expenses

You’ll get back as much as S$15,000 on medical expenses per accident, including Traditional Chinese Medicine (TCM) or chiropractic treatments2 .


Enjoy easy, guaranteed sign-up

If you’re between 17 and 65 years old, have no difficulties in mobility or any other physical disabilities, your signup is guaranteed4 .


Enjoy extra coverage as a woman

As a woman, you’ll enjoy an additional 20% on the hospitalisation benefit as well as the sum assured for accidental death and permanent disablement.


Receive daily income when in hospital

Should you be hospitalised due to an accident, DHF or food poisoning, you’ll get up to S$200 per day3 .


Get an extra payout for accidental injuries

If you suffer a fracture, dislocation5 or burn because of your accident, you’ll receive an extra payout of up to S$8,000, in addition to being reimbursed for your medical expenses.

How Essential Protector Plus works


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.

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.


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.


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.


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


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 ( or


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


Information correct as on 27 February 2015.