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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
30, Male making $5,000 a month
22, Female making $2,300 a month
26, Male making $8,083.333 a month
31, Female making $6,000 a month
Age | What suggestion covers | Premium |
---|---|---|
28, Male making $5,000 a month | sum assured $3,000,000 | $323 |
30, Male making $5,000 a month | $3,000,000 | $323 |
22, Female making $2,300 a month | sum assured $3,000,000 disablement payout highest public conveyance multiplier $1.5 | $323 |
26, Male making $8,083.333 a month | sum assured $3,000,000 additional coverage 1.5 times sum assured for life assured, pedestrian or travelling overseas | $323 |
31, Female making $6,000 a month | $323 |
What Does It Cover?
Remember, many of these benefits can be increased by up to 1.5 times with the Benefit Booster!
Benefit | Basic | Classic | Elite |
---|---|---|---|
Accidental Death | S$200,000 | S$500,000 | S$1,000,000 |
Accidental Major Permanent Disablement | Up to S$600,000 | Up to S$1,500,000 | Up to S$3,000,000 |
Accidental Other Permanent Disablement | Various payouts | Various payouts | Various payouts |
Medical Expense Reimbursement | Up to S$3,000 per accident | Up to S$4,000 per accident | Up 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.
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Why people were suggested GREAT Protector Active
- Critical Illness
- Term Life
- Whole Life
- Investment Linked Plan
- Hospital
- Personal Accident
- Critical Illness