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Personal Accident

Introduction

In today's fast-paced world, accidents can happen unexpectedly, potentially derailing your life plans and financial stability. The Great Eastern Essential Protector Plus offers comprehensive personal accident coverage to help you stay protected and maintain peace of mind. This innovative plan provides worldwide protection, guaranteed acceptance for eligible individuals, and a range of benefits designed to support you in the event of an accident. Whether you're at home or traveling abroad, Essential Protector Plus ensures you're covered 24/7, allowing you to pursue an active lifestyle with confidence.

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Coverage and Benefits

The Great Eastern Essential Protector Plus offers a comprehensive suite of benefits to protect you and your loved ones in the event of an accident. From accidental death coverage to medical expense reimbursement, this plan is designed to provide financial support when you need it most. Let's explore the key coverage areas and benefits that make this plan stand out.

Accidental Death Benefit

Financial Security. In the unfortunate event of accidental death, your beneficiaries will receive a lump sum payment of the sum assured. This benefit ranges from S$50,000 to S$200,000, depending on the plan type chosen.

Major Permanent Disablement

Long-term Support. If you suffer major permanent disablement due to an accident, you'll receive a lump sum payment equal to the sum assured. This benefit matches the accidental death benefit, ranging from S$50,000 to S$200,000 based on your plan.

Other Permanent Disablement

Proportional Coverage. For other permanent disablements, you'll receive a proportion of the sum assured based on the severity of the disablement. The maximum payout for this benefit also ranges from S$50,000 to S$200,000.

Medical Expense Reimbursement

Comprehensive Care. The plan covers medical expenses incurred due to accidents, including treatments by Complementary Medicine Practitioners. The coverage limit ranges from S$5,000 to S$15,000 per accident, doubling for overseas accidents.

Hospital Income Benefit

Daily Support. Receive a daily hospital income benefit of S$100 to S$200 per day for up to 180 days per accident or illness, including coverage for dengue fever and food poisoning.

Additional Benefits

Extra Protection. The plan also includes coverage for fractures, dislocations, and burns (up to S$8,000), as well as mobility aids reimbursement (up to S$2,000), ensuring comprehensive support during recovery.

Coverage Customization

Great Eastern Essential Protector Plus offers flexibility to tailor your coverage according to your needs and budget. With various plan types and options available, you can choose the level of protection that best suits your lifestyle and financial goals. Let's explore the customization options that allow you to create a personalized insurance solution.

Plan Types

Flexible Options. Choose from three plan types: Plan A, Plan B, or Plan C. Each plan offers different levels of coverage, with sum assured ranging from S$50,000 to S$200,000 for accidental death and major permanent disablement.

Premium Frequency

Payment Flexibility. Select between monthly or annual premium payments to fit your financial planning. Monthly premiums range from S$19.56 to S$41.88, while annual premiums range from S$227.91 to S$487.92, depending on the plan chosen.

Real premiums suggested for GE Essential Protector Plus

AgeWhat suggestion coversPremium
24, Female making
$4,200 a month
personal accident
$250,000
$626.21 annual
23, Female making
$2,300 a month
annual limit
$1,200,000
ward
Up to Private hospital A ward (can also stay in Govt hospital)
$221.05 annual
38, Female making
$5,000 a month
monthly benefit
$600
Not provided
24, Male making
$1,500 a month
critical illness
$210,000
death
$25,000
early critical illness
$210,000
$810.85 annual
28, Female making
$4,800 a month
post 65:
ci
$200,000
death
$200,000
eci
$0
pre 65:
ci
$200,000
death
$200,000
eci
$0
$2,686.6 limited pay
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Riders and Additional Benefits

Great Eastern Essential Protector Plus goes beyond basic coverage by offering additional benefits that enhance your protection. These features are designed to provide extra support in specific situations, ensuring you're well-protected against a wide range of scenarios. Let's explore the unique benefits that set this plan apart.

Female Extra Coverage

Enhanced Protection for Women. Female policyholders receive an additional 20% coverage for death, permanent disablement, and hospital income benefits, providing extra security tailored to women's needs.

Overseas Double Cover

Extended Global Protection. When accidents occur overseas, the limit for medical expense reimbursement is doubled, offering enhanced coverage for international travel or work assignments.

Terrorism Coverage

Peace of Mind Worldwide. The plan includes coverage for claim events resulting from acts of terrorism, with a cap of S$2,000,000 across all personal accident policies held with Great Eastern for the same life assured.

Claims and Customer Service

Great Eastern is committed to providing seamless support when you need it most. To file a claim, policyholders can visit the Great Eastern website or contact their customer service hotline at +65 6248 2211. The claims process is designed to be straightforward, with dedicated support staff available to guide you through each step. For general inquiries or assistance, you can also reach out via email at [email protected]. Great Eastern's customer service team is available to help with policy questions, coverage details, and any other concerns you may have about your Essential Protector Plus plan.

Conclusion

The Great Eastern Essential Protector Plus is an excellent choice for individuals seeking comprehensive personal accident coverage with flexible options. It's particularly well-suited for active professionals who travel frequently, families looking for affordable protection, and women who can benefit from the additional coverage. The plan's worldwide protection, including coverage for terrorism, makes it ideal for those with an international lifestyle.
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