Personal Accident

GREAT Junior Protector: Your Complete Guide to Safeguarding Your Child's Future

As a parent, you want the best for your child. But did you know that accidents are a leading cause of injury among children ? With drowning, falls from height, and road traffic injuries being the top three causes of child injury deaths, it's crucial to have the right protection in place. That's where GREAT Junior Protector comes in. Let's explore how this plan can give you peace of mind and financial security for your little one.

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What is GREAT Junior Protector?

GREAT Junior Protector is an affordable personal accident plan designed specifically for children . It offers comprehensive worldwide coverage against accidents, certain illnesses, and specified infectious diseases. The best part? Your child can be covered from as young as 15 days after birth or 15 days after discharge from the hospital, whichever is later.

Key Features of GREAT Junior Protector

Triple Payout for Serious Accidents

Get up to 3 times the payout if an accident occurs on public transport, in a private car, or involving a personal mobility device.

Daily Hospital Cash Benefit

Receive up to S$150 per day if your child is hospitalized due to accidents, specified infectious diseases, or certain illnesses.

Medical Expense Reimbursement

Get reimbursed up to S$9,000 for accidental medical expenses, including treatment for food poisoning and Hand, Foot and Mouth Disease.

Worldwide Coverage

Your child is protected 24/7, anywhere in the world.

No Medical Check-Up Required

Easy enrollment without the need for a medical examination.

What Does It Cover?

GREAT Junior Protector offers three plans with different levels of coverage. Here's a simple breakdown of the key benefits:

Accidental Death

S$25,000 to S$100,000

Accidental Major Permanent Disablement

Up to S$150,000

Accidental Medical Expenses

Up to S$9,000 per accident

Hospital Cash Cover

S$50 to S$150 per day

Fractures/Dislocations/Burns

Up to S$8,000

Education Assurance Fund

Up to S$100,000

How Much Does It Cost?

The plan offers three affordable options:

Plan A: S$0.69 per day (S$252.64 per year)

Plan B: S$1.00 per day (S$364.69 per year)

Plan C: S$1.22 per day (S$446.19 per year)

These prices include the prevailing rate of GST and may be adjusted based on future experience.

Real-Life Example

Let's look at how GREAT Junior Protector can help in real situations:

Carol signs up for Plan C (S$100,000 Sum Assured) for her 3-year-old son, Tommy.

Scenario 1: Tommy gets Hand, Foot and Mouth Disease at preschool.

Benefit: Carol receives up to S$500 for outpatient medical expenses.

Scenario 2: Tommy accidentally spills hot water on himself, causing 2nd-degree burns.

Benefits:

  • Lump sum payout of S$1,920 for the burns
  • Up to S$5,000 reimbursement for medical expenses, including skin grafting

Total benefits in this example: Up to S$7,420

Why Compare GREAT Junior Protector with other Personal Accident Options through Whatins?

Traditional Approach

  • Limited to one company's definitions
  • May not know about better coverage elsewhere
  • Single view on occupation classifications

Whatins Advantage

  • Compare accident definitions across insurers
  • See how different plans cover various activities
  • Get multiple views on occupation coverage
  • Understand different approaches to sports coverage

Pros and Cons

Pros

  • Comprehensive coverage for accidents and specified illnesses

  • Triple payout for serious accidents

  • Affordable premiums

  • No medical check-up required

  • Worldwide coverage

Cons

  • Premium rates are not guaranteed and may increase

  • Some benefits have sub-limits (e.g., S$500 sub-limit for sickness-related claims)

  • Coverage ends when the child turns 18

Frequently Asked Questions

When does the coverage start?

15 days after birth or 15 days after discharge from hospital, whichever is later.

Until what age is my child covered?

Until your child turns 18 years old.

Are pre-existing conditions covered?

Generally, pre-existing conditions are not covered.

Can I change the plan later?

You may be able to adjust your coverage at renewal time. Check with your representative for details.

How do I make a claim?

Contact Great Eastern as soon as possible after the accident or illness. They'll guide you through the process.

Wrapping It Up

GREAT Junior Protector offers comprehensive accident and specified illness coverage for children at an affordable price . With its triple payout feature for serious accidents and coverage for common childhood illnesses, it provides valuable financial protection for your child's growing years.

However, it's important to consider that premium rates may increase over time, and coverage ends when your child turns 18. As with any insurance decision, it's crucial to assess your family's specific needs and financial situation.

Ready to take the next step in protecting your child? Don't rely on just one opinion. Get expert insights tailored to your family's unique situation. Sign up now to receive 5 expert opinions on child accident insurance. These professionals will review your needs and provide personalized recommendations, helping you make the most informed decision for your child's future.

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By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your little one. Don't leave your child's protection to chance – get the expert advice you deserve today.

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