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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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
Covers accidental death and injury globally
Includes protection against acts of terrorism
Doubles medical expense reimbursement for overseas accidents
Reimburses accident-related medical bills
Covers Traditional Chinese Medicine (TCM) and Chiropractic treatments
Includes hospital income benefit for accidents, dengue fever, and food poisoning
20% extra coverage for women
Covers fractures, dislocations, and burns
Provides reimbursement for mobility aids
Guaranteed acceptance for most people aged 17-65
No medical check-up required
| Age | What suggestion covers | Premium |
|---|---|---|
| 28, Male making $5,000 a month | $218.54 | |
| 30, Male making $5,000 a month | $218.54 | |
| 22, Female making $2,300 a month | worldwide coverage female additional coverage $20 medical expense reimbursement | $218.54 |
| 30, Male making $4,166.667 a month | 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 | Not provided |
| 36, Male making $2,000 a month | Not provided |
Remember, women get an additional 20% coverage for death, permanent disablement, and hospital income benefits!
| Basic Benefits | Plan A | Plan B | Plan C |
|---|---|---|---|
| Accidental Death | S$50,000 | S$100,000 | S$200,000 |
| Major Permanent Disablement | S$50,000 | S$100,000 | S$200,000 |
| Medical Expense Reimbursement | Up to S$5,000 | Up to S$10,000 | Up to S$15,000 |
| Fractures/Dislocations/Burns | Up to S$4,000 | Up to S$6,000 | Up to S$8,000 |
| Hospital Income Benefit | S$100 per day | S$150 per day | S$200 per day |
| Mobility Aids Reimbursement | S$500 | S$1,000 | S$2,000 |
Note: Renewal premiums include a 5% discount.
| Plan | Monthly Premium (First Year / Renewal) | Annual Premium (First Year / Renewal) |
|---|---|---|
| Plan A | S$19.56 / S$18.59 | S$227.91 / S$216.51 |
| Plan B | S$28.84 / S$27.39 | S$335.98 / S$319.18 |
| Plan C | S$41.88 / S$39.78 | S$487.92 / S$463.52 |
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.
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.
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.
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
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)
The plan is for those aged 17-65. If you're over 65, ask about other options.
Essential Protector Plus can complement your existing coverage, especially for accidents.
High-risk activities are covered, but benefits are reduced by 50%.
Self-inflicted injuries, war, and professional sports typically aren't covered.
You can usually adjust your coverage at renewal time.
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.
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