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Essential Protector Plus

Personal Accident Insurance

Essential Protector Plus | Personal Accident Insurance with Cash Payouts

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.



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 .


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 .


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 .


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.


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.

How Essential Protector Plus works

Sarah who is covered by Essential Protector Plus Plan C, dislocates her ankle while on a business trip in Sydney, Australia.   She undergoes a surgery and needs to stay in a hospital for four days in Sydney.


Medical expenses reimbursement limit

(i.e. S$15,000 x 2 because accident and initial treatment happened overseas)

Mobility aids reimbursement limit S$2,000
Daily hospital income benefit


(i.e. S$200  + extra 20% because the insured is a woman)



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