Hospital

AIA Star Protector Plus: Comprehensive Protection for Your Little Adventurers

As a parent, you know that your child's safety is paramount. But did you know that in 2020, 12.3% of 556,511 hospital admissions in Singapore involved children aged 14 and below ? This startling statistic highlights the importance of having robust protection for your little ones. If you're looking for a comprehensive accident and health protection plan for your child, AIA Star Protector Plus might be the solution you've been searching for.

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What is AIA Star Protector Plus?

AIA Star Protector Plus is a specialized insurance plan designed to provide affordable worldwide accident and health protection for children . It offers coverage from as young as two weeks old, all the way up to 75 years of age. This plan is tailored to give parents peace of mind as their children embark on life's adventures, big and small.

Key Features That Set AIA Star Protector Plus Apart

Early Start, Long-lasting Protection

Coverage starts from just two weeks old and protection lasts until age 75

Affordable Premiums

Plans start from just S$13.28 per month

Worldwide Coverage

Your child is protected no matter where their adventures take them

Comprehensive Protection

Covers accidents, 16 specified diseases, and optional critical illness coverage

Unique Conversion Option

First-ever plan to offer optional Child Critical Illnesses Benefit that can be converted to an AIA whole life or endowment policy in adulthood

Increasing Coverage

Receive 5% more coverage for Accidental Death, Accidental Dismemberment and Burns Benefit at each policy renewal, up to a maximum of 5 renewals

Why compare AIA Star Protector Plus with other Hospital (ISP) options through Whatins?

Traditional Approach

  • Only see options from advisor's preferred insurer
  • Limited comparison with MediShield Life integration
  • May push specific ward classes without full context

Whatins Advantage

  • Compare how different plans integrate with MediShield Life
  • See actual bill coverage differences between insurers
  • Get multiple perspectives on public vs private coverage
  • Understand ward class options across insurers

What Does AIA Star Protector Plus Cover?

Accident and Disease Coverage

Accidental Death, Dismemberment, and Burns Benefit , Medical Reimbursement for accidents and 16 specified diseases, Daily Hospital Income Benefit

Education Fund

Pays out upon your accidental death, Premiums are waived until your child reaches 21 years old

Catastrophic Disability

Provides up to 20 years of monthly cash payouts

Double Indemnity

Double payouts for accidental dismemberment and burns in specific situations

Optional Child Critical Illnesses Benefit

Covers 17 child-specific critical illnesses , Can be converted to a whole life or endowment policy when your child enters adulthood

How Much Coverage Do You Get?

AIA Star Protector Plus offers three plan types with varying levels of coverage:

Basic Benefits:

  • Plan 1: Accidental Death Benefit of S$20,000
  • Plan 2: Accidental Death Benefit of S$35,000
  • Plan 3: Accidental Death Benefit of S$100,000

Other benefits have varying amounts based on the plan you choose. For example:

  • Monthly Catastrophe Cash Benefit ranges from S$750 to S$1,500 per month
  • Medical Reimbursement Benefit ranges from S$1,500 to S$5,000
  • Daily Hospital Income Benefit ranges from S$30 to S$100 per day

Optional Child Critical Illnesses Benefit:

  • Option 1: S$30,000 coverage
  • Option 2: S$50,000 coverage
  • Option 3: S$100,000 coverage

How Much Does It Cost?

The annual premiums for AIA Star Protector Plus are as follows (inclusive of 9% GST):

Basic Benefits:

  • Plan 1: S$152.40
  • Plan 2: S$239.12
  • Plan 3: S$488.69

Optional Child Critical Illnesses Benefit:

  • Option 1: S$58.68
  • Option 2: S$97.79
  • Option 3: S$195.59

It's important to note that these premium rates are not guaranteed and may change over time.

Extra Benefits and Unique Features

Double Indemnity for Specific Situations

Double payouts for accidents at school, on public/private conveyances, or as a pedestrian on the road

Post-Hospitalisation Home Care Benefit

Provides a payout if your child needs to stay in the hospital for more than 4 consecutive days

Recuperation Benefit

Offers a payout for Dengue Fever and Hand, Foot and Mouth Disease

Education Assurance Fund Benefit

Pays out upon your accidental death or your child's accidental death under specific circumstances

National Service Cover Benefit

Provides coverage for accidental death, dismemberment, or burns during full-time National Service (available in Plans 2 and 3)

Emergency Medical Evacuation & Repatriation Benefit

Covers emergency medical evacuation while travelling overseas (available in Plan 3)

Renewal Bonus

Provides an additional 5% coverage for Accidental Death, Accidental Dismemberment and Burns Benefit for each policy renewal, up to a maximum of 5 renewals

Real-Life Scenarios

Playground Accident

If your child breaks their arm at the playground: Medical expenses would be covered (up to your plan limit), daily hospital income provided if hospitalization is required, and post-hospitalization home care benefit if the stay is more than 4 days

Dengue Fever

If your child contracts dengue fever: Medical expenses covered, daily hospital income provided if hospitalization is needed, and Recuperation Benefit received

Critical Illness Diagnosis

With the Optional Child Critical Illnesses Benefit: Lump sum payout based on your chosen option, with the ability to convert this benefit to a whole life or endowment policy later

Pros and Cons

Pros

  • Comprehensive coverage for both accidents and specified diseases

  • Coverage starts from a very young age (2 weeks) and lasts till 75 years old

  • Unique option to convert Child Critical Illnesses Benefit to a whole life or endowment policy

  • Worldwide coverage

  • Increasing coverage through renewal bonus

  • Covers National Service-related accidents (in higher-tier plans)

Cons

  • Premium rates are not guaranteed and may increase over time

  • Some benefits are only available in higher-tier plans

  • Optional Child Critical Illnesses Benefit terminates on the policy anniversary following the child's 21st birthday

Frequently Asked Questions

Can I get this plan if my child has pre-existing conditions?

You should discuss this with an AIA Financial Services Consultant as certain conditions may affect eligibility or coverage.

Is the Child Critical Illnesses Benefit included in the basic plan?

No, it's an optional benefit that you can add on for an additional premium.

Can I change the plan type later?

You should check with AIA about the options for changing your plan after purchase.

What happens to the coverage when my child turns 21?

The Optional Child Critical Illnesses Benefit will terminate, but other coverages continue until age 75.

How do I make a claim?

Contact AIA as soon as possible after the accident or diagnosis. They will guide you through the claim process.

Conclusion

AIA Star Protector Plus offers comprehensive accident and health protection tailored specifically for children . With its wide-ranging coverage, unique features like the convertible Child Critical Illnesses Benefit, and long-term protection, it provides a robust safety net for your little adventurers. However, as with any insurance decision, it's important to carefully consider your family's needs and financial situation before making a choice.

Remember, the best insurance is the one that gives you peace of mind and fits your specific circumstances. If you're considering AIA Star Protector Plus or any other child protection plan, it's always wise to consult with a financial advisor who can provide personalized recommendations based on your unique situation.

Ready to explore your options further? Don't rely on just one perspective. Get expert insights tailored to your family's unique needs. Sign up now to receive 5 expert opinions on child protection insurance. These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision possible for your child's future.

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By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your child. Don't leave your little one's protection to chance – get the expert advice you deserve today.

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