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

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

Loss of index finger
- Three phalanges
- Two phalanges
- One phalanx

Loss of any one finger
- Three phalanges
- Two phalanges
- One phalanx

Loss of metarcarpals
- First or second
- Third, fourth or fifth

Loss of all toes of one foot 25%
Loss of great toes
- Two phalanges
- One phalanx

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

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Your policy toolkit.

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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