Personal Accident

GREAT Protector Active: Your Guide to High-Coverage Personal Accident Insurance

Are you living life to the fullest but worried about the unexpected? You're not alone. Many active individuals are looking for comprehensive protection that doesn't hold them back. That's where GREAT Protector Active comes in. Let's explore how this unique plan can give you the confidence to embrace your adventurous side.

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What is GREAT Protector Active?

GREAT Protector Active is a high-coverage personal accident insurance plan designed for those who lead an active lifestyle . It offers protection for a wide range of activities, including increased-risk hobbies like scuba diving and rock climbing. Here's what makes it stand out:

  • High Coverage: Up to S$3 million in personal accident protection

  • Benefit Booster: Up to 1.5 times extra coverage for certain accidents

  • Worldwide Coverage: Protection both in Singapore and overseas

  • Activity-Friendly: Covers many high-risk leisure activities

Key Features of GREAT Protector Active

High Personal Accident Coverage

Up to S$3 million for Accidental Major Permanent Disablement . Helps cover medical and caregiving expenses after a serious accident.

Benefit Booster

Up to 1.5 times extra protection for accidents as a pedestrian or cyclist, in private cars or public transport, or while overseas.

Comprehensive Medical Expense Coverage

Up to S$7,500 per accident for outpatient and hospital expenses, including alternative treatments like Traditional Chinese Medicine.

Affordable Premiums

Plans start from as low as S$0.89 per day .

Real premiums suggested for GREAT Protector Active

28, Male making $5,000 a month

Coverage:
sum assured
$3,000,000
Premium:

30, Male making $5,000 a month

Coverage:
$3,000,000
Premium:

22, Female making $2,300 a month

Coverage:
sum assured
$3,000,000
disablement payout
highest
public conveyance multiplier
$1.5
Premium:

26, Male making $8,083.333 a month

Coverage:
sum assured
$3,000,000
additional coverage
1.5 times sum assured for life assured, pedestrian or travelling overseas
Premium:

31, Female making $6,000 a month

Coverage:
Premium:
Get your own quotes →

What Does It Cover?

Remember, many of these benefits can be increased by up to 1.5 times with the Benefit Booster!

BenefitBasicClassicElite
Accidental DeathS$200,000S$500,000S$1,000,000
Accidental Major Permanent DisablementUp to S$600,000Up to S$1,500,000Up to S$3,000,000
Accidental Other Permanent DisablementVarious payoutsVarious payoutsVarious payouts
Medical Expense ReimbursementUp to S$3,000 per accidentUp to S$4,000 per accidentUp to S$5,000 per accident

How Much Does It Cost?

These prices include GST and may be adjusted based on future experience.

Basic Plan

  • S$0.89 per day

  • S$27.98 per month

  • S$325.99 per year

Classic Plan

  • S$1.45 per day

  • S$45.46 per month

  • S$529.72 per year

Elite Plan

  • S$2.37 per day

  • S$74.32 per month

  • S$865.89 per year

Real-Life Example

Meet Danielle, a graduate student who loves outdoor activities and traveling. She chooses the GREAT Protector Active Elite plan with a Sum Assured of S$1,000,000. Her annual premium is S$865.89.

In the first year, Danielle loses sight in her right eye due to a tennis injury. She receives a payout of S$1,500,000 (thanks to the Benefit Booster).

The next year, Danielle breaks her tooth while on a trip to Malaysia. She claims up to S$7,500 for medical expense reimbursement.

Total benefits paid: Up to S$1,507,500

Why Compare GREAT Protector Active 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

  • Very high coverage amounts (up to S$3 million)

  • Benefit Booster increases payouts for common accident scenarios

  • Covers many high-risk leisure activities

  • Worldwide coverage

  • Affordable daily premium options

Cons

  • Premium rates are not guaranteed and may increase

  • Some high-risk professional activities may not be covered

  • Maximum entry age is 65 years old

Frequently Asked Questions

Who can apply for this plan?

Singapore Citizens, PRs, and Employment Pass holders aged 17-65 can apply for any plan. Juveniles (1-16) and other pass holders can only apply for the Basic Plan.

Is there a medical check-up required?

No medical check-up is typically required for this personal accident plan.

Are all sports and activities covered?

Many leisure activities are covered, but some professional or extreme sports may be excluded. Check the policy details for specifics.

How does the Benefit Booster work?

It provides up to 1.5 times the normal payout for accidents involving public transport, road traffic as a pedestrian/cyclist/passenger, or any accident overseas.

Can I claim for alternative treatments?

Yes, the plan includes coverage for Complementary Medicine Practitioners and Allied Health Professionals, up to certain limits.

Wrapping It Up

GREAT Protector Active offers exceptionally high coverage for personal accidents , making it an attractive option for those leading active lifestyles. With its Benefit Booster feature and coverage for many high-risk leisure activities, it provides peace of mind for adventurers and everyday commuters alike.

The plan's flexibility in choosing coverage levels and payment frequencies makes it accessible to a wide range of individuals. However, it's important to consider that premiums may increase over time and that some extreme activities may not be covered.

Remember, the best insurance is the one that fits your specific lifestyle and needs. Consider your current activities, travel habits, and existing coverage before making a decision.

Ready to take the next step? Don't rely on just one opinion. Get expert insights tailored to your unique situation. Sign up now to receive 5 expert opinions on personal accident insurance for active lifestyles. These professionals will review your needs and provide personalised recommendations, helping you make the most informed decision possible.

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

Why people were suggested GREAT Protector Active

Haze
Haze, 22
GenderFemale
Monthly Income$2,300
Insurance Types Suggested
  • Hospital
  • Personal Accident
  • Critical Illness
Why GREAT Protector Active was suggested:
This personal accident plan offers a high sum assured of up to $3,000,000, along with enhanced payouts for accidents involving public transportation or pedestrians. It also provides the highest payout for permanent disablement, making it a comprehensive option for the prospect seeking substantial financial protection in case of severe accidents.