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Junior Protector Plus

Personal Accident Insurance

Junior Protector Plus

Cover your children against accidents, anywhere in the world

Wherever learning and play may take your children, give yourself the reassurance of Junior Protector Plus. This comprehensive accident insurance plan for children covers them – worldwide – against accidents, as well as illnesses such as Hand, Foot and Mouth Disease (HFMD), Dengue Haemorrhagic Fever (DHF) and food poisoning.


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. Junior 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 medical expenses 

Get back as much as S$5,000 for accident-related medical expenses, including treatments by a Traditional Chinese Medicine (TCM) practitioner or chiropractor1 .


Receive hospitalisation benefits

If your child is hospitalised due to HFMD, DHF or food poisoning, you’ll get up to S$150*  per day, and be reimbursed up to S$200 in medical expenses.


Cover your child against common injuries

Should your child suffer accidental fractures, dislocations or burns, you’ll receive up to S$8,0002 .


Receive a daily companion allowance

For every day that your child is hospitalised following an accident, you’ll receive up to S$150 to help cover loss of pay because you’re off work.


Be reimbursed for mobility aids and reconstructive surgery

To help with your child’s recovery from an accident, you'll be reimbursed up to S$1,500 for mobility aids, and up to S$5,000 for reconstructive surgery.


Protect your child’s future

Should the unexpected happen to you, the plan’s Education Fund3 offers up to S$50,000 to help provide for your child’s education and daily needs.

How Junior Protector Plus works

Jean covers Ethan, her 9-year-old son, with Junior Protector Plus Plan C (sum assured S$50,000).


  • Ethan dislocates his knee at a school camp, and is hospitalised for surgery
  • Jean receives S$1,504 cash benefit for the knee dislocation
  • Jean is reimbursed up to S$6,500 for Ethan’s medical expenses and purchase of mobility aids
  • Jean also receives a daily companion allowance of S$150 for each day of Ethan’s hospitalisation
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