Junior Protection Plan

Junior Protection Plan

A group personal accident plan that kindergartens, child care centres and before and after school care centres can purchase for their students.

What it covers

Death and permanent disability due to accident

In the event of an accident, we pay up to $20,000 for death and permanent disability per accident per insured person.

Medical expenses for an injury due to accident

We reimburse the cost of outpatient and inpatient treatments of up to $3,000 per accident for up to three different accidents per policy year, provided the medical expenses are incurred within one year from the date of accident.

Hospital cash benefit

We pay a daily cash benefit of $10.70 for each full day of hospitalisation up to a maximum of 365 days from the date of the accident.

Protection against bee/wasp/hornet stings for children

We reimburse up to the maximum benefit limit for medical expenses incurred for treatment of injuries due to bee/wasp/hornet stings within or outside the school premises while taking part in approved activities.

Coverage for school personnel

We extend protection to the principals, teachers and non-teaching staff for accidents while they are within your premises during official operating hours.

Compensation information


Get the essential protection for as little as $3 per child per year.

Be assured of protection throughout the day and anywhere in the world.

Before you apply

Children must be between 2 months to 14 years old (age last birthday) and must be registered with your centre.

Principals, teachers and non-teaching staff must be 69 years old and below (age last birthday) and must be registered with your centre.

The maximum compensation for several disabilities including death due to any one accident is $20,000 per insured person.

The maximum total compensation for any one accident is $5,000,000 or the total sum assured (whichever is less), no matter how many insured persons claim under this policy for that accident.

Important Notes



There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.

Important notes


This is for general information only. You can find the usual terms and conditions of this plan in the policy contract. All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income or visit the websites of the General Insurance Association of Singapore (www.gia.org.sg), the Life Insurance Association, Singapore (www.lia.org.sg) or Singapore Deposit Insurance Corporation (www.sdic.org.sg).


Information is correct as of 21 July 2017

Frequently asked questions

How to apply

For enquiries about Junior Protection Plan, please call our hotline:
6788 1133

Speak to your Income adviser, or use our online matching tool to find an adviser who’s right for you.

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