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Golden Protector Plus

Personal Accident Insurance

Golden Protector Plus

Be covered against accidents in your golden years

In your mature years, you have more time to do the things you’ve always wanted to do: take up a new hobby, go on your dream holiday, or simply take it easy.


However, this age is also a time when you’re more vulnerable to accidents – which could mean injuries that take longer to heal, and huge medical bills for treatment and recovery.


Golden Protector Plus is a personal accident plan that provides essential coverage against accidental injuries – anytime, anywhere. The plan reimburses you for medical expenses resulting from accidents, and also offers hospitalisation benefits that help pay for alternative treatments. And, should accidental death occur, the plan also offers a lump sum payout.


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. Golden 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 your expenses

Get back as much as S$1,800 on medical and surgical expenses, including treatments by a Traditional Chinese Medicine (TCM) practitioner or chiropractor1 .


Receive hospitalisation benefits

Get a daily hospitalisation allowance of up to S$120, and a post-hospitalisation, after-care benefit2 of as much as S$1,200 to help tide you over.


Get payouts upon disability or death

Get up to S$45,000 if you can’t perform any three Activities of Daily Living (ADL)3 , and up to S$82,500* upon accidental death or permanent disablement.


Be covered for other common injuries

Should you suffer accidental fractures, dislocations or burns, a lump sum payout of up to S$25,000 per accident will help pay for treatment4 .


No need for medical check-ups

If you’re 40-75 years old, and free of osteoporosis, mobility difficulties and physical disabilities, you’ll enjoy guaranteed signup and yearly renewability until age 85†‡ .


Save 25% when you buy two plans

Buy this plan together with your spouse or parent, and enjoy a 25% discount on the second sign-up.

How Golden Protector Plus works

David has a car accident, suffers loss of sight in one eye, and is hospitalised for 30 days.  He is covered by Golden Protector Plus Plan C.


Permanent disablement payout S$55,000
Permanent disablement payout S$1,800
Reimbursement for mobility aids (e.g. wheelchair) S$600
Daily hospitalisation allowance (S$120 per day x 30 days) S$3,600

Post-hospitalisation, after-care benefit (to help with other expenses)

Total  S$62,200



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