ProtectionPlus
ProtectionPlus is a personal accident insurance plan that offers robust financial protection with a high permanent and total disablement payout of up to $375,000 and covers third-degree burns. The plan includes daily hospitalisation benefits, bereavement grants and value-added covers for riders, reservist training and leisure sports.
With comprehensive coverage and peace of mind, ProtectionPlus allows up to 3 children to be covered under the policy for free - ensuring you and your loved ones are safeguarded against life's unexpected events. Secure your future with our reliable personal accident insurance today.
Features & benefits
Permanent and Total Disablement Cover
ProtectionPlus is a personal accident insurance plan featuring a high permanent and total disablement payout of up to $375,000.
Hospitalisation Cash Benefit
We pay a $200* daily hospital cash benefit for a maximum of 50 days if you meet with an accident.
Temporary Total Disablement Cover
You and your family will be supported with a monthly income of $2,400* for up to 2 years if you are unable to work due to temporary total disablement.
Bereavement Grant
The plan offers a $10,000* bereavement grant, one of the most generous in the market.
Bonus Cover
Protect your entire family with free cover for up to 3 children when you and your spouse enrol for ProtectionPlus at the same time.
Third Degree Burns Cover
Provide cover for third degree burns arising out of any injury.
*Cover and limits are based on Platinum Plan.
Why choose MSIG?
Simple to Buy
Protect yourself easily by purchasing our personal accident plan online.
Claims Made Easy
We keep our process as simple as possible to bring your personal accident claim to a fair settlement.
Value-added Covers
Value-added covers for motorcycling as a rider or pillion rider, Injuries during reservist training and leisure sports like snorkelling, wakeboarding and bungee-jumping, plus access to MSIG Assist helpline in the event of an emergency overseas.
Select plans to compare
| Sum Insured | |||
|---|---|---|---|
| Silver Plan | Gold Plan | Platinum Plan | |
A. Death |
$100,000 | $150,000 | $250,000 |
B. Permanent and Total Disablement |
$150,000 | $225,000 | $375,000 |
C. Permanent and Partial Disablement (as per table) |
Up to $100,000 | Up to $150,000 | Up to $250,000 |
| Sum payable as a % of Permanent and Total Disablement | Sum payable as a % of Permanent and Total Disablement | Sum payable as a % of Permanent and Total Disablement | |
| 1. Loss of one or both arms (between shoulder and wrist) | 100% | 100% | 100% |
| 2. Loss of one or both legs (between hip and ankle) | 100% | 100% | 100% |
| 3. Loss of sight in one or both eyes | 100% | 100% | 100% |
| 4. Loss of sight in one eye except for perception of light | 50% | 50% | 50% |
| 5. Loss of lens of one eye | 50% | 50% | 50% |
| 6. Loss of hearing in both ears | 75% | 75% | 75% |
| 7. Loss of hearing in one ear | 15% | 15% | 15% |
| 8. Loss of speech | 50% | 50% | 50% |
| 9. Loss of four fingers and thumb of one hand | 50% | 50% | 50% |
| 10. Loss of four fingers of one hand | 40% | 40% | 40% |
| 11. Loss of thumb - one phalanx or two phalanges | 20% | 20% | 20% |
| 12. Loss of finger - three phalanges | 10% | 10% | 10% |
| 13. Loss of finger - two phalanges | 5% | 5% | 5% |
| 14. Loss of finger - one phalanx | 3% | 3% | 3% |
| 15. Loss of all toes of one foot | 17% | 17% | 17% |
| 16. Loss of great toe - one phalanx or two phalanges | 5% | 5% | 5% |
| 17. Loss of any toe other than great toe - one phalanx or two phalanges | 3% | 3% | 3% |
| 18. 3rd Degree Burns | from 25% to 100% | from 25% to 100% | from 25% to 100% |
Where the injury is not specified above (other than loss of sense of taste or smell where no compensation is payable) the amount will be determined based on the degree of disablement as assessed by our medical advisors. |
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D1. Temporary Total Disablement (TTD)Inability to engage or attend to the usual employment or occupation (up to 104 weeks) |
$100 per week | $300 per week | $600 per week |
D2. Temporary Partial Disablement (TPD)Inability to engage or attend to the usual employment or occupation (up to 104 weeks) |
$50 per week | $150 per week | $300 per week |
E. Worldwide Medical ExpensesIncludes Traditional Chinese Medicine, Accidental Dental and Mobility Aids |
$1,000 | $3,000 | $5,000 |
F. Hospitalisation Cash BenefitHospitalisation for at least 24 hours after accident |
$50 per day (Max $2,500) |
$100 per day (Max $5,000) |
$200 per day (Max $10,000) |
G. Recuperation BenefitHospitalisation for more than 14 consecutive days |
$100 | $250 | $500 |
H. Bereavement GrantFollowing death by accident |
$3,000 | $5,000 | $10,000 |
TerrorismExcluding biological, chemical agents and nuclear devices |
Covered up to the Sums Insured on Death at the first inception of the insurance | Covered up to the Sums Insured on Death at the first inception of the insurance | Covered up to the Sums Insured on Death at the first inception of the insurance |
Important Notes:
Bonus Cover At No Extra Cost!
10% increased cover for Death and Permanent Disablement each year, up to the 3rd renewal. That's 30% extra cover from the 4th year, absolutely FREE! (if no claim is made in the preceding year)
| Sum Insured | |||
|---|---|---|---|
| Silver Plan | Gold Plan | Platinum Plan | |
A. Death |
$10,000 | $15,000 | $25,000 |
B. Permanent and Total Disablement |
$15,000 | $22,500 | $37,500 |
C. Medical Expenses |
$100 | $300 | $500 |
Important Notes:
Cover For Your Child(ren):
- Up to 3 children covered for FREE when you and your spouse enrol at the same time
- Up to 3 children covered if you or your spouse alone enrols with the children – Subject to benefits and premium listed below
| No. | Questions & Answers | |
|---|---|---|
| 1 |
What is the definition of an Accident under this insurance? An Accident refers to an event which happens suddenly and gives rise to a result which the Insured person did not intend or anticipate. All benefits are payable under this policy only when it is due to an accident. |
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| 2 |
Who can enrol for this insurance?
Provided all persons to be insured are residing in Singapore. |
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| 3 |
If I am already insured with another insurer, how can I arrange cover for my spouse and children? Your spouse may apply for this insurance on his/her own. In which case, 3 of your Children can be covered at 10% of the Sum Insured for Death, Permanent and Total Disablement and Medical Expenses benefits for a flat premium according to the Plan selected by your spouse. |
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| 4 |
If I increase or reduce my Sum Insured during the term of cover, will I receive the renewal bonus on the new limit? The first renewal bonus will be calculated at 10% of the revised limit on renewal of the policy and any adjustments under the previous limit will lapse. Renewal bonus applicable to Death and Permanent Total Disablement benefits only. |
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| 5 |
Will I be covered if I have to travel and stay out of Singapore? You or any of the Insured Persons are covered for any short term travel out of Singapore up to 6 consecutive months during any period of insurance. The cover for that Insured Person lapses thereafter and all the benefits under the policy for such person shall cease from such date. |
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| 6 |
Why are premium rates based on occupation? Each occupation type presents different risk hazards depending on the nature of work and this has a direct effect on the level of premium to be charged. |
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| 7 |
I have Personal Accident policies with different insurers. Can I claim from all the insurers if I were to meet with an accident? This will depend on the terms of your policy. Please check with your insurer when in doubt. |
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| 8 |
What are the policy exclusions? The key exclusions are war and warlike operations, radioactive and nuclear activity, work on aircraft, dangerous sports, suicide, self-injury, pre-existing physical or mental defect, under influence of drugs (unless prescribed by a registered Medical Practitioner) or alcohol, full time military service, uniformed groups and occupations excluded under the insurance. The full details of the exclusions are contained in the policy. |
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| 9 |
How do I make a claim? Please contact our Claims Department as soon as possible after any event giving rise or likely to give rise to a claim and complete a Claim form to facilitate the claim process. Written proof of the accident such as police report, doctor’s report, original medical receipts, invoices and all supporting documents must be furnished as proof of claim. |
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This page is for general information only. The benefits payable are subject to the occurrence of an Accident. You should consider carefully if you intend to switch personal accident policies, which might be detrimental to your current and/or future needs. Full details of the terms, conditions and exclusions of this insurance are provided in the policy and will be sent to you upon acceptance of your application by MSIG Insurance (Singapore) Pte. Ltd.
