Student Protection Plan

Student Protection Plan

A group personal accident plan that primary schools, secondary schools and junior colleges can purchase for their students.

What it covers

Death and permanent disability

In the event of an accident, we pay up to $25,000 for death and permanent disability per accident per insured person. We also cover death not due to an accident that happens during or results from selected types of school activities.

Medical expenses for injury due to an accident

We reimburse the costs of outpatient and inpatient treatments of up to $8,000 per accident per insured person, provided the medical expenses are incurred within one year from the date of accident.

Hospital cash benefit

We pay a daily cash benefit of $14.30 for each full day of hospitalisation, up to a maximum of 60 weeks from the date of the accident.

Funeral expense benefit

We pay a special payout of $1,500 in the event of accidental death.

Protection against bee/wasp/hornet stings or dengue fever for students

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

Protection against food poisoning for students

We reimburse up to the maximum benefit limit for medical expenses incurred for treatment of food poisoning while taking part in school activities or while on the school’s premises.

Coverage for school personnel

We also provide accident coverage for principals, teachers, non-teaching and non-academic staff, registered parent volunteers, members of the school management committee and school alumni.

Compensation information


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

This plan provides coverage for TCM treatments.

Enhance your coverage

You may choose to supplement this plan with the Student Sports Injury Plan.

Before you apply

Students must be between 6 and 25 years old (age last birthday). They must also be registered as full-time students with your school. In addition, the Student Protection Plan must be taken up on a compulsory basis for all the full-time registered students when your school purchases the plan.

Principals, teachers, non-teaching and non-academic staff, parent volunteers, members of the school management committee and school alumni must be 69 years old and below (age last birthday). They must also be registered with your school.

The maximum compensation for several disabilities including death due to any one accident is $25,000 per insured person.

The maximum total compensation for any one accident is $40 million, 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 notice


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 (, the Life Insurance Association, Singapore ( or Singapore Deposit Insurance Corporation (


Information is correct as of 21 July 2017

Frequently asked questions

Downloads & forms

How to apply

For enquiries about Student 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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