Personal Accident

Essential Protector Plus: Your Comprehensive Guide to Personal Accident Protection

In today's fast-paced world, accidents can happen anytime, anywhere. Whether you're traveling for business, enjoying a vacation, or simply going about your daily life, unexpected injuries can lead to hefty medical bills and disrupt your plans. That's where Great Eastern's Essential Protector Plus comes in. Let's explore how this plan can keep you moving forward with peace of mind.

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What is Essential Protector Plus?

Essential Protector Plus is a comprehensive personal accident insurance plan designed to provide you with worldwide protection against accidents. It offers affordable premiums and extensive coverage to help you get back on your feet quickly if the unexpected happens. Here's what makes it special:

  • Worldwide Coverage: Protection anywhere, anytime, even against acts of terrorism

  • Guaranteed Acceptance: Easy enrollment for most people aged 17-65

  • Comprehensive Benefits: Covers medical expenses, hospital income, and more

  • Flexibility: Can be added as a rider to other Great Eastern policies

Key Features of Essential Protector Plus

Worldwide Protection, 24/7

  • Covers accidental death and injury globally

  • Includes protection against acts of terrorism

  • Doubles medical expense reimbursement for overseas accidents

Medical Cost Coverage

  • Reimburses accident-related medical bills

  • Covers Traditional Chinese Medicine (TCM) and Chiropractic treatments

  • Includes hospital income benefit for accidents, dengue fever, and food poisoning

Additional Benefits

  • 20% extra coverage for women

  • Covers fractures, dislocations, and burns

  • Provides reimbursement for mobility aids

Easy Enrollment

  • Guaranteed acceptance for most people aged 17-65

  • No medical check-up required

Real premiums suggested for GE Essential Protector Plus

28, Male making $5,000 a month

Coverage:
Premium:
$218.54
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30, Male making $5,000 a month

Coverage:
Premium:
$218.54
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22, Female making $2,300 a month

Coverage:
worldwide coverage
female additional coverage
$20
medical expense reimbursement
Premium:
$218.54
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30, Male making $4,166.667 a month

Coverage:
death
$50,000
hospital income:
max days
$180
daily amount
$100
major permanent disablement
$50,000
mobility aids reimbursement
$500
other permanent disablement
$50,000
fractures dislocations burns
$4,000
medical expense reimbursement:
local
$5,000
overseas
$10,000
complementary medicine
$500
Premium:
Not provided
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36, Male making $2,000 a month

Coverage:
Premium:
Not provided
Read More
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What Does It Cover?

Remember, women get an additional 20% coverage for death, permanent disablement, and hospital income benefits!

Basic BenefitsPlan APlan BPlan C
Accidental DeathS$50,000S$100,000S$200,000
Major Permanent DisablementS$50,000S$100,000S$200,000
Medical Expense ReimbursementUp to S$5,000Up to S$10,000Up to S$15,000
Fractures/Dislocations/BurnsUp to S$4,000Up to S$6,000Up to S$8,000
Hospital Income BenefitS$100 per dayS$150 per dayS$200 per day
Mobility Aids ReimbursementS$500S$1,000S$2,000

How Much Does It Cost?

Note: Renewal premiums include a 5% discount.

PlanMonthly Premium (First Year / Renewal)Annual Premium (First Year / Renewal)
Plan AS$19.56 / S$18.59S$227.91 / S$216.51
Plan BS$28.84 / S$27.39S$335.98 / S$319.18
Plan CS$41.88 / S$39.78S$487.92 / S$463.52

Real-Life Examples

Overseas Accident

If you slip and fall while on vacation in Japan: Your medical bills would be covered up to double the usual limit . If you need hospital stay, you'd get daily cash benefits. You could claim for TCM treatments back in Singapore to aid recovery.

Sports Injury

If you fracture your arm while playing basketball: You'd receive a payout based on the severity of the fracture. Your medical bills, including physiotherapy, would be covered. If you need crutches, the plan would help pay for them.

Food Poisoning

If you're hospitalized due to severe food poisoning: You'd receive daily hospital income benefits for up to 180 days. This applies even if you're not traveling.

Pros and Cons

Pros

  • Worldwide coverage, including terrorism acts

  • Covers alternative treatments like TCM

  • Additional benefits for women

  • Easy enrollment with guaranteed acceptance for most

  • Can be added as a rider to other Great Eastern policies

Cons

  • Benefits reduced by 50% for high-risk activities

  • Premium rates not guaranteed and may be adjusted

  • 30-day waiting period for dengue fever and food poisoning coverage

  • Age limit for enrollment (up to 65 years old)

Frequently Asked Questions

Can I join if I'm over 65?

The plan is for those aged 17-65. If you're over 65, ask about other options.

What if I already have other insurance?

Essential Protector Plus can complement your existing coverage, especially for accidents.

Are extreme sports covered?

High-risk activities are covered, but benefits are reduced by 50%.

What's not covered?

Self-inflicted injuries, war, and professional sports typically aren't covered.

Can I change my plan later?

You can usually adjust your coverage at renewal time.

Wrapping It Up

Essential Protector Plus offers comprehensive personal accident coverage that can give you peace of mind whether you're at home or traveling the world. With its worldwide protection, coverage for alternative treatments, and additional benefits for women, it's designed to meet the needs of today's active lifestyles.

The plan's flexibility, easy enrollment, and affordable premiums make it an attractive option for many. However, it's important to consider the benefit reductions for high-risk activities and the potential for premium adjustments.

Remember, the best insurance is the one that fits your specific needs and situation. Consider your lifestyle, existing coverage, and budget before making a decision.

Ready to take the next step? Don't rely on just one opinion. Get expert insights tailored to your unique situation. Sign up now to receive 5 expert opinions on personal accident insurance. These professionals will review your needs and provide personalised recommendations, helping you make the most informed decision possible.

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

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