ProtectionPlus is a comprehensive personal accident insurance that is designed to provide cover and monetary support in case of accidents. This insurance comprises 3 plans, each drafted to compensate for medical charges and loss of income in a number of different situations. This insurance provided by MSIG provides cover for you and your family.
Here are some of the benefits you are entitled to if you purchase this insurance plan:
Here are the details of the cover offered by this insurance plan:
|Benefits||Sum Insured (S$|
|Silver Plan||Gold Plan||Platinum Plan|
|Permanent and Total Disability||150,000||225,000||375,000|
|Permanent and Partial Disability||Up to 100,000||Up to 150,000||Up to 250,000|
|Temporary Total Disablement (this implies an inability to attend usual employment up to 104 weeks)||100 per week||300 per week||600 per week|
|Temporary Partial Disablement (this implies an inability to attend usual employment up to 104 weeks)||50 per week||150 per week||300 per week|
|Medical Expenses (traditional Chinese treatment, accidental dental treatment, mobility aids)||1,000||3,000||5,000|
|Hospitalisation benefit||50/day (max 2,500)||100/day (max 5,000)||200/day (max 10,000)|
|Recuperation Benefit (max 14 days)||100||250||500|
Here are the benefits that your child is entitled to, if you choose to purchase this plan:
Here are the details of the cover offered for your children, under this policy:
|Benefit||Silver Plan (S$)||Gold Plan (S$)||Platinum Plan (S$)|
|Permanent and Total Disablement||15,000||22,500||37,500|
Some of the situations where you will not be compensated by this policy are as follows:
The premium payments that you have to make for this policy depend on your occupation. There are 3 different occupation groups, each categorised according to the level of risk involved. The different occupation groups under this policy are as follows:
Here is what your premium payments will look like, depending on your occupation group and the plan you choose to go with:
|Occupation Group||Silver Plan (S$||Gold Plan (S$)||Platinum Plan (S$)|
If you wish to get covered under this policy, you need to fulfil certain requirements. The eligibility criteria for this insurance plan are as follows:
You can buy this insurance by visiting the website and clicking on the “Buy Online” option. Here you can initiate the purchase by answering a few policy-related questions and filling in personal information. Once you have submitted your personal information you can choose the plan that is best suited to your needs. After this, you can review the plan and purchase it by paying online.
If you want to make a claim for situations covered by this policy, you need to take the following steps:
Here are some of the documents that you might need to get ready when you want to make a claim:
If you wish to discontinue this policy, you may do so by giving a notice of 14 days. You need to send a registered letter to MSIG, informing them of the cancellation. You are entitled to a refund of premium, provided that there is no claim in the time period. An amount less than S$10 will not be refunded.
If due to some reason, MSIG decides to cancel the insurance, your premium will be refunded on a pro-rata basis.
Here is how you can get in touch with MSIG regarding any enquiry or assistance:
ProtectionPlus is a plan that will support you with cash benefits and compensation in case of hospitalisation due to unfortunate accidents. This insurance plan will provide cover for a number of situations for you and your family members. You can easily buy this insurance plan online, with premiums starting at S$110.75.