Enhanced protection for you and your children
According to recent studies, most Singaporeans are not adequately protected - the average working adult needs life coverage of about 11.3 times their annual salary, but a majority have just a quarter of that*.
This is where AA Enhanced Protector can help. Tailored exclusively for AA members, this policy is designed to ensure your protection needs are better met.
It offers comprehensive financial protection by providing lump sum payment in the event of death, total and permanent disability or a terminal illness. If death or total and permanent disability occurs due to an accident in a private car, the amount payable will be doubled. Also, this policy provides extended total permanent disability coverage with an additional annual payout of 10% of the sum insured (until age 65) should disability continue.
What's more, you can enjoy protection against 30 critical illnesses# with our optional ciritical illness rider. Furthermore, AA Enhanced Protector offers you the flexibility to extend the same coverage to your children with our dependent's plan.
With a choice of three attractive
plans, you can choose the one that best suits your protection needs.
Comprehensive protection of up to S$200,000 for less than S$0.83 a day+
Enjoy comprehensive protection against death and total and permanent disability, as well as accidental dismemberment benefits of up to 100% of the sum insured. You will also receive hospital income benefit of S$100 for each day of hospitalisation due to an accident.
Terminal illness protection and additional medical expense reimbursement
Enjoy extra peace of mind with terminal illness coverage of up to S$200,000, as well as reimbursement of up to S$5,000 for medical expenses incurred due to terminal ilness.
For as little as S$1.23 a day+, you can enjoy enhanced coverage against 30 critical illnesses.
Provide your child with S$50,000 coverage for an additional S$0.21 a day with our dependant's plan. Plus, you can opt for additional critical illness protection for your child for just S$0.07 a day.
Plan for tomorrow today.
Ask our Financial Planners about AA Protector now at (65) 6225 6111.
Benefits schedule^ |
Enhanced Protector Standard |
Enhanced Protector Special |
Enhanced Protector Ultimate |
Dependant's
plan |
| Death** |
S$50,000 |
S$100,000 |
S$200,000 |
S$50,000 |
Total and permanent
disability** |
S$50,000 |
S$100,000 |
S$200,000 |
S$50,000 |
| Extended total and permanent disability |
10% of sum insured payable annually until age 65 is diability continues |
| Dismemberment## |
% of sum insured as per Schedule of Benefits stated in Certificate of Insurance) |
| Medical expenses incurred due to terminal illness |
S$5,000 |
S$5,000 |
S$5,000 |
S$5,000 |
| Hospital income due to accident |
S$100 per day (Limit: S$5,000) |
S$100 per day (Limit: S$5,000) |
S$100 per day (Limit: S$5,000) |
S$100 per day (Limit: S$5,000) |
Optional rider a) Critical illness benefit
accelerated payment of sum insured upon diagnosis of any one of the 30 covered illnesses |
S$50,000 |
S$100,000 |
S$200,000 |
S$25,000 |
| b) Family income benefit |
S$500 per month |
S$500 per month |
S$500 per month |
N.A. |
* Studies commissioned by Life Insurance Association
# List of 30 critical illnesses: stroke, kidney failure, major organ/bone marrow transplant, multiple sclerosis, paralysis (loss of use of limbs), coma, encephalitis, terminal illness, blindness (loss of sight), heart valve surgery, deafness (loss of hearing), surgery to aorta, loss of speech, primary pulmonary hypertension, fulminant hepatitis, alzheimer's disease,major burns, motor neurone disease, HIV, parkinson's disease, end stage liver disease, end stage lung disease, major head trauma, aplastic anaemia, muscular dystrophy, apallic syndrome, benign brain tumour, coronary artery bypass surgery, major cancers and heart attack. Please refer to Product Summary for further details on the description of benefits covered.
+ Based on Enhanced Protector for a 44-year-old male, for the sum insured of S$200,000.
^ For the exact definition of the benefits provided under the plan, please refer to the Certificate of Insurance.
** Twice the amount of the sum insured is payable if death or total permanent disability occurs as a result of an accident in a privately registered car.
## Dismemberment benefit is payable as a result of an accident in a privately registered motor car.
|
Annual premium for age (as at next birthday) (S$) |
| |
Up to 44 years old |
45 to 54 years old |
55 to 65 years old |
| Standard - S$50,000 |
75.00 |
120.00 |
162.40 |
| Special - S$100,000 |
150.00 |
240.00 |
324.80 |
| Ultimate - S$200,000 |
300.00 |
480.00 |
649.60 |
| Dependent's plan - S$50,000 (child aged between six months and 20 years old) |
75.00 per child
|
Critical illness (optional rider) |
Annual premium for age (as at next birthday) (S$)
|
| |
Up to 44
years old |
45 to 54
years old |
55 to 60
years old |
61 to 65
years old |
| Standard - S$50,000 |
112.50 |
340.00 |
500.00 |
700.00 |
| Special - S$100,000 |
225.00 |
680.00 |
1,000.00 |
1,400.00 |
| Ultimate - S$200,000 |
450.00 |
1,360.00 |
2,000.00 |
2,800.00 |
| Dependent's plan - S$50,000 (child aged between six months and 20 years old) |
25.00 per child |
| Family income benefit |
|
199.00 |
269.50 |
N.A. |
Note:
1. The premiums are not guaranteed. This is a yearly renewable term assurance with premiums payable based on the age band at renewal.
2. The sum insured for the critical illness rider has to be the same as the basic plan.
3. Family income benefit is payable to the insured on a monthly basis up to age 60.
Plan for tomorrow today.
Ask our Financial Planners about AA Protector now at (65) 6225 6111.
Important notes
AA Enhanced Protector is underwritten by HSBC Insurance (Singapore) Pte. Limited, 10 Eunos Road 8, #11-01 Singapore Post Centre, Singapore 408600. Company registration no. 195400150N.
This webpage contains only general information. It does not constitute an offer to buy or sell an insurance product or service nor shall it or any part of it form the basis of, or be relied on in connection with, any contract or commitment whatsoever. It is also not intended to provide any insurance or financial advice. A person interested in this product should read the specific terms, conditions and exclusions described in the Certificate of Insurance in deciding whether to buy this product. You can obtain the Certificate of Insurance from HSBC Insurance (Singapore) Pte. Limited or AA Financial Planners Pte Ltd.
Buying a life insurance policy is a long-term commitment. There is no surrender value for this insurance policy.
HSBC Insurance (Singapore) Pte. Limited's authorised agents or distributors, including The Hongkong and Shanghai Banking Corporation Limited (together "the Agents") are neither underwriter nor broker for the customer. To the fullest extent permissible pursuant to applicable law, the Agents make no warranties or representation as to the accuracy, correctness, reliability or otherwise of the content of this webpage. Under no circumstances, including, but not limited to negligence, shall the Agents or any party involved in creating, producing or delivering the webpage be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the liability to use, the information in this webpage, even if the Agents have been advised of the possibility of such damages.
The Agents and/or their employees will receive a commission from HSBC Insurance (Singapore) Pte. Limited in respect of this transaction. The Agents are not suppliers of the products and services and will not accept liability in relation thereto.
Issued by HSBC Insurance (Singapore) Pte. Limited.
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