GREAT Protector Active | High Coverage Personal Accident Plan

All the protection you need to enjoy a more active lifestyle

Embrace spontaneity to experience all things exciting while protecting yourself with strong financial safety through high personal accident coverage.

GREAT Protector Active offers up to S$3 million in personal accident coverage and provides the assurance you need on your adventures including increased-risk activitieslike scuba diving and rock-climbing, and even during your daily commute.

Furthermore, your coverage gets boosted up to 1.5 times when you are injured from most traffic-related accidentsin Singapore and for any accidents while overseas.

Sign up online with affordable premium from S$0.89*a day and enjoy the active life you deserve.

Product Summary View Product Brochure

Key benefits

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    Get up to S$3 million in coverage against accidents

    Benefit from one of the highest personal accident plan that provides up to S$3 million in coverage against Accidental Major Permanent Disablement3.

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    Boost coverage by up to 1.5 times with Benefit Booster4

    Get up to 1.5 times extra protection when you are injured in an accident as a pedestrian/cyclist on the road, or a passenger in a private car/public transport, or in any accident when overseas.

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    High medical expenses reimbursement

    Get high medical expenses reimbursement of up to S$7,500 per accident for outpatient and hospitalisation expenses and choice of your preferred medical treatment and care by a Complementary Medicine Practitioner or Allied Health Professional after an accident.

Here is how GREAT Protector Active supports your active lifestyle

Great Eastern

Plans for your active lifestyle














Your questions answered

GREAT Protector Active is a yearly renewable personal accident plan which is specially designed to pay benefits in the event of an accident which results in Accidental Death, Accidental Major Permanent Disablement or Accidental Other Permanent Disablement. This plan also provides coverage for Accidental Medical Expenses Reimbursement and Benefit Booster in specified situations.

This policy is not a MediSave-approved policy and you may not use MediSave to pay the premiums for this policy.

Please refer to the Table of benefits as shown in the brochure for the summary of benefits payable under GREAT Protector Active.

We will reduce all benefits payable under this policy by 50% if the Life Assured suffers a claim event while engaging in the following High Risk Activities:
(a) Sports coaching;
(b) Motor cycling; or
(c) Military or police service of a peace-time nature, namely normal training, rangework and military exercises including National Service under Section 10 of the Enlistment Act 1970 of the Republic of Singapore (“Enlistment Act”) (other than peace-time reservist duty under Section 14 of the Enlistment Act whereby full benefits shall be payable).

Furthermore, if it is proven that the Life Assured suffered the claim event while engaging in any of these activities and in so doing, broke or disregarded the usual precautions and safety guidelines accepted for that activity, we may adjust any benefits otherwise payable under this policy or reject the claim for such benefit.

Premium rates for GREAT Protector Active are not guaranteed. These rates may be adjusted based on future experience. We may at our sole discretion change the premium rates by giving at least 30 days’ notice to the policyholder before the renewal date at which these amended rates apply.

There will be no protection under this policy if you surrender your policy early. As the policy has no cash value, you will also lose the premiums that you have paid.

This policy is renewable yearly up to the renewal date before the Life Assured turns age 76 next birthday. All endorsements on and variations in this policy which have been authorised by us and any premium loading imposed will also apply to the insurance granted upon renewal unless otherwise agreed in writing by us. 


We reserve the right to amend the terms and conditions of this policy provided that (a) the amendment(s) take effect on the renewal date; (b) the amendment(s) apply to all policies of this class of insurance; and (c) we have informed the policyholder of the amendment (s) at least 30 days before the renewal date.


This is a short-term accident and health policy and we are not required to renew this policy. Renewability is not guaranteed and we reserve the right not to renew this policy by giving you 30 days’ written notice.

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Understand the details before buying

1 Such activities are covered only if they are engaged on a leisure basis with or managed under a licensed organisation or establishment. Please refer to the product summary for details.

2 Applicable where Life Assured was a pedestrian, cyclist or passenger, or on a Public Conveyance as a passenger.

* Daily rate is based on the annual premium of GREAT Protector Active Basic, divided by 365 days and rounded off to the nearest cent. Premium rate is inclusive of the prevailing rate of GST. The prevailing rate of GST is subject to change. The premium rates for this policy are not guaranteed and may be adjusted based on future experience.

3 Excludes Accidental Major Permanent Disablement & Accidental Other Permanent Disablement from food poisoning.

4 Benefit Booster provides up to 150% of payout under all sections listed in the table of benefits except the sub-limits under Accidental Medical Expense Reimbursement. Benefit Booster is only applicable when the Life Assured suffers injuries from: (i) accidents while on public conveyance as a passenger, (ii) being involved in a road traffic accident as a pedestrian, cyclist or passenger or (iii) accidents while outside of Singapore.

^ Daily rates are based on the annual premium of GREAT Protector Active Basic, Classic or Elite, whichever applicable, divided by 365 days and rounded off to the nearest cent.

# Premium rates include the prevailing rate of GST. The prevailing rate of GST is subject to change. The premium rates for this policy are not guaranteed and may be adjusted based on future experience.

All ages specified refer to age next birthday.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Singapore Citizens, Permanent Residents (PRs) and holders of Employment Pass who are aged between 17 and 65, may purchase any plan (Basic, Classic, Elite) under this policy. Juveniles (aged between 1 to 16) and holders of S Pass, Dependant’s Pass or Student’s Pass may purchase only the Basic Plan under this policy.

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.

You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.

This policy 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

Information correct as at 1 January 2024.


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