Junior Protection Plan

24-hour worldwide[1] protection against accidents for as little as $8.72 per student per year.

Covers up to $20,000 in the event of accidental death and up to 150% of the sum assured for permanent disablement due to an accident.
Receive up to $400 a year for medical expenses incurred as a result of Hand, Foot and Mouth Disease (HFMD).
Receive up to $80 for each visit to the Traditional Chinese Medicine (TCM) practitioner for treatment due to injury, up to three visits a year.
Receive a daily cash benefit of up to $40 for each period of hospital stay. This benefit pays up to 30 days of hospital stay a year and each stay in the hospital must be for at least six hours.
Reimbursement of up to $4,000 for accidental medical expenses incurred for inpatient and outpatient treatments, charges incurred for dental treatment or treatment by physiotherapist in the event of an accident. Enjoy extra peace of mind if your students incur medical expenses in the event of food poisoning, dengue fever and insect bite.

Your coverage at a glance.

Benefits	Plan 1	Plan 2
A. Accidental death	$10,000	$20,000
B. Accidental medical expenses with the following extended cover: a) Food poisoning b) Dengue fever c) Insect bite	$2,000 per accident	$4,000 per accident
C. Hand, Foot and Mouth Disease (HFMD)	$200 per year	$400 per year
D.Traditional Chinese Medicine (TCM) (Up to three visits per year)	$50 per visit	$80 per visit
E. Daily hospital cash benefit (per day) (Up to 30 days per year)	$30	$40
F. Schedule of losses for permanent disablement	Percentage of sum assured as shown in the schedule
Permanent total disablement	150%
Loss of two limbs	150%
Loss of sight of both eyes	150%
Loss of sight of one eye, except perception of light	100%
Loss of one limb	100%
Loss of speech	75%
Loss of hearing in both ears	100%
Loss of four fingers and thumb of one hand	85%
Loss of four fingers	55%
Loss of hearing in one ear	30%
Loss of thumb - Both phalanges - One phalanx	40% 25%
Loss of index finger - Three phalanges - Two phalanges - One phalanx	20% 15% 10%
Loss of any one finger - Three phalanges - Two phalanges - One phalanx	20% 15% 10%
Loss of metarcarpals - First or second - Third, fourth or fifth	5% 3%
Loss of all toes of one foot	25%
Loss of great toes - Two phalanges - One phalanx	10% 5%
Loss of any one toe	5%
The aggregate of all percentages payable in respect of any one accident shall not exceed 150% of the sum assured.

The maximum aggregate limit payable under Junior Protection Plan for all of the sections arising out of 1 single event shall not be more than S$5,000,000, unless otherwise endorsed in the policy.

Annual premium rates (inclusive of 9% GST)

Plan type	Annual premium rates
Plan 1	$8.72
Plan 2	$16.35

The premium is not guaranteed and may be reviewed and varied by us upon next renewal. Once the premium is varied, the new premium shall apply in respect of all insured members under your policy.

Who this is for.

For children who is between 2 months old and 21 years old (age last birthday) and is a registered student at a kindergarten, childcare centre, day care centre, preschool centre, before and after school care centre, tuition centre or enrichment centre with programmes held in a classroom setting[2]. Your students are covered against accidents regardless of whether the accident happened at or outside your premises including participating in the activities or events carried out and endorsed by you.

Principals, teachers and non-teaching staff who are 69 years old and below (age last birthday) and registered at a kindergarten, childcare centre, day care centre, preschool centre, before and after school care centre. Principals, teachers and non-teaching staff are only covered against accidents while they are working during official operating hours.

Junior Protection Plan is administered on headcount basis and subject to a minimum of 40 children per centre. You may include the additional children or centre during the period of insurance subject to:

a. A minimum of 40 children per new centre; or

b. A minimum of 10 children per centre per endorsement in the same centre; and

c. Short-term period charges are as follow:

i. Period of cover 180 days and below – 60% of annual premium

ii. Period of cover for 181 days and above – 100% of annual premium

Your policy toolkit.

Brochures

Junior Protection Plan Brochure

Ways to pay for Junior Protection Plan.

Find out how you can make payment for your policy by choosing from the preferred methods below. For other accepted payment modes, you may get in touch with us through your preferred mode of contact at www.income.com.sg/contact-us.

Your queries answered.

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Important notes

Exclusions

a. Accidents arising from, caused by or due directly or indirectly to, the insured member’s illness or medical condition.

b. The insured member deliberately injuring themself, committing suicide or attempting suicide while sane or insane, the insured member’s criminal act, provoked assault, deliberate acts or putting themself in danger (unless they are trying to save human life).

c. The insured member taking part in any professional sports or in any sports for which the insured member would or could earn or receive any form of pay.

d. An accident while the insured member is not in your premises or not taking part in any activities organised by you.

e. The consequences of war, revolution or any similar event.

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

The policy provides 24-hours worldwide coverage in Singapore or outside Singapore provided that such event or activity is organised by you.
Classroom setting means a room, including an office, suitably appointed with chairs, writing surfaces and other normal furniture and/or equipment of a teaching room.

This is for general information only. You can find the usual terms, conditions and exclusions 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 GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Information is correct as at 2 April 2024.