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 .


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.


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†‡ .


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.


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 .


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


Hospitalisation: To cover the cost of hospitalisation, surgical or medical expenses - and make up for loss of income due to hospitalisation - consider GREAT SupremeHealthGREAT TotalCare and Supreme MediCash.


Long-term care: Cover yourself for a lifetime with ElderShield Comprehensive, which pays a monthly benefit when you're unable to perform at least two Activities of Daily Living (ADLs)3.


Retirement: To ensure that your retirement is financially comfortable, consider Supreme Retirement.

1 Up to S$600 per accident for treatment by a Traditional Chinese Medicine (TCM) practitioner (registered with the Ministry of Health in Singapore), or a qualified chiropractor who holds a degree in chiropractic medicine and is registered with a recognised chiropractic organisation. All benefit/payout/allowance amounts specified are per accident, per policy year.


For hospitalisation of four or more consecutive days.


Activities of Daily Living (ADLs) include washing, dressing, feeding, toileting, mobility and transferring.


Up to S$55,000 upon accidental death and up to S$82,500 upon major permanent disablement


† Benefits payable will be reduced by 50% for renewals after the insured person turns 81.


†‡Age next birthday.

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.


This 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 24 November 2017.