Essential Protector

Personal Accident Insurance

Essential Protector

Safeguard yourself & your family against accidents

Whether it's commuting to and from work or picking up the kids from school, you're always on the move to provide for the needs of your loved ones. Essential Protector, a fundamental Personal Accident plan, can help ensure your safety and protection. In the event of an accident, it can help cushion the impact of financial loss, assist in the recovery process, and ensure that your family can maintain their current lifestyle.


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 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


Up to three times your Sum Assured 

In the event of Permanement Disablement or even death as a result of an accident, Essential Protector will provide your loved ones a lump sum payout of up to three times1 your sum assured. 


Guaranteed acceptance

You can sign up for Essential Protector without having to go through the hassle of a medical check-up. As long as you are between the ages of 17* and 65* and free of mobility problems and physical disabilities, acceptance into this plan is guaranteed3 .


Free coverage for your children

Free cover for Accidental Permanent Disablement2   is extended to all your children below the age of 16 as long as you and/or your spouse is/are covered by Essential Protector.

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 ages stipulated refer to age next birthday.


1 A lump sum payout of two times your sum assured is payable for Public Conveyance or Private Motor Car accidents; three times your sum assured is payable for Air Travel accidents.


2 Up to S$60,000 sum assured depending on plan type. Does not apply to parent(s) purchasing My100.


3 Exclusions on occupational risks apply. 


The above applies mainly to Singapore Citizens/Permanent Residents. If you are not a Singaporean Citizen/Permanent Resident, 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 of the above, the English version shall prevail. 


Information correct as at 29 December 2017.