A policy that ensures medical bill don't hurt more than accidents
ePROTECT family is a joint community initiative between Maybank Singapore and Etiqa Insurance that brings personal accident insurance coverage to families in need.
It offers a wide range of benefits that cover accidental death, accidental permanent disablement, medical expenses reimbursement, hospitalisation allowance and more.
FREE 5-year coverage*
Insures up to six dependents
Up to $50,000 for accidental death & permanent disablement
| Benefits for the Main Policyholder | Benefits Schedule S$ | |
| Sum Insured S$ | Maximum Benefits S$ | |
| Accidental Death | 50,000 | |
| Accidental Permanent Disablement | 50,000 | |
| a. Total Paralysis | 50,000 | |
| b. Permanent Loss of two (2) limbs | 50,000 | |
| c. Permanent Loss of sight in two (2) eyes | 50,000 | |
| d. Permanent Loss of one (1) limb and sight in one (1) eye | 50,000 | |
| e. Permanent Loss of speech and hearing | 50,000 | |
| f. Permanent Loss of one (1) limb or sight in one (1) eye | 25,000 | |
| g. Permanent Loss of speech | 25,000 | |
| h. Permanent Loss of hearing | 25,000 | |
| i. Permanent Total Loss of use or loss by amputation of | ||
|
25,000 | |
|
25,000 | |
|
25,000 | |
|
10,000 | |
| Simple or Other Fractures | 1,000 | |
| a. Neck, skull or spine (full break) | 1,000 | |
| b. Hip (other fracture) | 750 | |
| c. Jaw, pelvis, leg, ankle or knee (other fracture) | 500 | |
| d. Cheekbone, shoulder or hairline fracture of skull or spine (other fracture) | 300 | |
| e. Arm, elbow, wrist or ribs (other fracture) | 250 | |
| f. Leg, ankle or knee (simple fracture) | 200 | |
| g. Nose or collar bone (simple fracture) | 200 | |
| h. Arm, elbow, wrist or ribs (simple fracture) | 100 | |
| i. Finger, thumb, foot, hand or toe (simple fracture) | 75 | |
| For Simple or Other Fractures not specified above, we will adopt a proportion that is consistent with the above scale with reference to a medical assessment of the fracture. |
||
| Accidental Medical Expenses Reimbursement | 4,000 | |
| a. Outpatient Medical Expenses (Sub-limit for TCM: up to $150 per visit and $1,000 per Accident) | 4,000 | |
| b. Inpatient Medical Expenses due to | ||
| i. Bodily Injury sustained during the Period of Insurance, and/or | 2,000 | |
| ii. any Infectious Diseases defined under this plan (*sub-limit for hospitalisation due to Infectious Diseases only) | ||
| Hospitalisation Allowance as a result of accidental injury (up to 180 days) | 200 per day | |
| Mobility Expense | 500 | |
| Bereavement Grant as a result of Accidental Death | 3,000 | |
| Benefits for each Dependant (Legal Spouse and/or Child) – A maximum of six dependants may be covered | 2,500 per dependant | |
| Accidental Death or Accidental Permanent Disablement | ||
| Please refer to your policy wording for details and benefits. All benefits are subject to the terms and conditions of the Policy. |
||
Who is eligible?
- Singapore Citizens and Singapore Permanent Residents (PR)
- Work Permit, Employment Pass, Dependent’s Pass, S Pass and Long Term Visit Pass holders
- Applicants between 16 to 70 years of age (next birthday)
- Households with total gross income of less than S$3,500 or per capita income of less than S$1,000
- Participants referred by CDC and its partners
- Coverage will be provided to anyone who is eligible for this plan as an insured person or a dependant, but not both
Up to six eligible dependants may be covered under this policy
Eligible dependants
- Legal spouse of the life insured
- Legal child (including a stepchild or a legally adopted child) who on the inception date of the policy and on the date of accidental death of the insured person is:
- Wholly dependant on the insured person for financial support; and
- Not gainfully employed in any way; and
- Unmarried; and
- Between six months and 25 years old
Downloads & Forms
Frequently Asked Questions
ePROTECT family is a joint Corporate Social Responsibility (CSR) programme between Maybank Singapore and Etiqa Insurance Pte. Ltd. to provide breadwinners and their families with financial protection against further loss of income due to accidents.
Insured Persons under the programme don’t pay any premiums and will be insured for a period of five years under a personal accident policy, underwritten by Etiqa Insurance Pte. Ltd. The policy is non-renewable.
- A Singapore Citizen, Singapore Permanent Resident (PR) or a holder of any one of the following valid documents:
- Work Permit
- Employment Pass
- Dependant’s Pass
- S Pass
- Long Term Visit Pass
- Age between 16 – 70 years old (next birthday)
- Total gross household income < $3,500 or per capita income <$1,000
- Existing client of Family Service Centre / Social Service Office
- Up to 6 eligible dependants may be covered under this policy
We will provide coverage to anyone who is eligible for this plan as an insured person OR a dependant, but not both.
No, National Service allowance earned by NS men is not included in household income.
- Legal spouse of the insured personLegal spouse means the Insured Person’s partner with whom he has registered his marriage with, in accordance with the laws of the country in which he is ordinarily resident in at the time of the marriage.
- Child of the insured personChild shall mean a legal dependant of the Insured Person, including a stepchild and/or a legally adopted child who is, as of the Inception Date and the date of the Accident involving the Insured Person:
- Wholly dependent on the Insured Person for financial support and not gainfully employed in any way;
- Unmarried; and
- Between six (6) months and twenty-five (25) years of age.
Yes, they qualify as an eligible dependant.
If the child is serving national service, he does not qualify as an eligible dependant.
Yes, the spouse qualifies as an eligible dependant as long as husband and wife are legally married. Registration of marriage does not necessarily have to be in Singapore.
As long as the spouse meets the eligible criteria for dependants, up to 6 dependants will be covered.
No, they don’t. An eligible dependant means the legal spouse and/or child of the insured person.
No. An eligible dependant means the legal spouse and/or child of the insured person.
Yes, the occupations are:
- Law enforcement officer;
- Emergency medical or fire service personnel;
- Civil defense personnel;
- Military personnel of any country or international authority;
whether on full-time service or as volunteer, other than for reservist training.
Yes, high-risk jobs will be covered as long as they meet the eligible criteria and do not fall under the occupations listed in question 12.
To file for a claim, written notice must be given to Etiqa within 30 days of the occurrence of the claim event. The insured person must supply at his/her own expense, all certificates, information and evidence required by Etiqa for assessment of the claim. Etiqa may require the insured person to undergo medical examination by doctors appointed by the company, at the expense of Etiqa. In the case of death of the insured person, Etiqa reserves the rights to have a post-mortem conducted. Etiqa will bear the expense.
The usual supporting documents are:
- ePROTECT family Claim Form (download from www.etiqa.com.sg)
- Medical reports/bills/reports relevant to treatments
- Original medical bills will be required if the claim relates to reimbursement
- Death certificate/post-mortem report/autopsy report/police report/letter of administration
- Any other supporting documents that are requested by Etiqa to assist in the assessment of claim
If all documents are duly submitted, Etiqa will pay the claim in 2 to 4 weeks.
In the event medical / mobility expenses are paid through Medisave, Etiqa will reimburse the claim amount back to the insured person’s Medisave account.
Even though the bodily injuries were triggered by the accident, diabetes is a pre-existing condition. Etiqa will not pay a claim in the above scenario.
Even though the insured person has a pre-existing condition, as long as the medical expense is incurred due to an accident and not related to the pre-existing condition, the insured person can claim for medical expense reimbursement.
No, the type of claims are strictly as indicated per the benefit schedule.
Yes, Etiqa will still pay the claim even though the policy has ended. This is because the disablement occurred within the insurance period.
Yes, these activities are:
- War (declared or undeclared) or any act of war, invasion, foreign enemy, civil war,
rebellion, revolution, insurrection, any military or usurped power; - Illegal, wilful or intentional acts while sane or insane, suicide, self-inflicted injury, suicide pacts or agreements or attempts thereat provoked homicide or assault;
- Engaging in any speed contest or racing (other than on foot) or any professional competition or sports;
- Conditions resulting from or is a complication of pregnancy, childbirth, miscarriage or abortion, intoxication by alcohol or drugs not prescribed by Doctor;
- Pre-Existing Medical Conditions;
- Engaging in aviation;
- Sickness, disease, bacterial or viral infection;
- Nuclear reaction, radiation or radioactive contamination;
Please refer to the policy wordings for full details.
Any benefits payable in the event of a claim will be paid to the insured person, or in the event of death, to their estate.
Yes. However, due to the Personal Data Protection Act, Etiqa must verify the identity of the person making a claim. A third party can contact Etiqa for the claim form, or download it from www.etiqa.com.sg. However, if anyone other than the insured person were to contact Etiqa for policy information, we cannot divulge anything if we cannot ascertain the identity of the person. A third party can help the insured person to file a claim. However, this must be done with the consent of the insured person and Etiqa must be able to verify the identity of the insured person. If the insured person is deceased as a result of an accident, his family may file a claim and Etiqa must verify the family member’s identity.
If a fraudulent claim were submitted, Etiqa shall have no liability in respect of such claim and the policy will be terminated with immediate effect.
The policy will terminate on the earliest of the following events:
- Upon death of the Insured Person;
- Upon payment of the maximum benefit to the Insured Person under Accidental Permanent Disablement cover;
- Upon expiry of the policy at the end of the period of insurance.
Yes, nomination of beneficiary is allowed under the policy. You may download the nomination form from our website, www.etiqa.com.sg.
Yes. If you are a Family Service Centre / Social Service Officer, you can assist your client to sign up for the plan. Simply apply for ePROTECT family through the online straight-through portal on www.etiqa.com.sg with your client’s personal particulars. A Certificate of Insurance and Welcome Letter will be emailed to your client.
The documents will be mailed to the Policyholder if he / she does not have an email address.
In the event of any change in the information disclosed to Etiqa, a written notice has to be submitted to Etiqa immediately.
No, ePROTECT family is a free personal accident insurance plan for underprivileged families. Coverage is five years and the plan is non-renewable.
If you wish to make a complaint, you may call Etiqa Customer Care Centre at (65) 6887 8777 or email: customer.service@etiqa.com.sg. You need to provide Etiqa with your details, specific nature of your complaint and supporting documents. We will resolve all complaints as soon as possible.
If you are still dissatisfied with the response, we will refer you to a dispute resolution organisation, Financial Industry Disputes Resolution Centre Ltd (FIDReC) http://www.fidrec.com.sg/.
| Benefits for the Main Policyholder | Benefits Schedule S$ | |
| Sum Insured S$ | Maximum Benefits S$ | |
| Accidental Death | 50,000 | |
| Accidental Permanent Disablement | 50,000 | |
| a. Total Paralysis | 50,000 | |
| b. Permanent Loss of two (2) limbs | 50,000 | |
| c. Permanent Loss of sight in two (2) eyes | 50,000 | |
| d. Permanent Loss of one (1) limb and sight in one (1) eye | 50,000 | |
| e. Permanent Loss of speech and hearing | 50,000 | |
| f. Permanent Loss of one (1) limb or sight in one (1) eye | 25,000 | |
| g. Permanent Loss of speech | 25,000 | |
| h. Permanent Loss of hearing | 25,000 | |
| i. Permanent Total Loss of use or loss by amputation of | ||
|
25,000 | |
|
25,000 | |
|
25,000 | |
|
10,000 | |
| Simple or Other Fractures | 1,000 | |
| a. Neck, skull or spine (full break) | 1,000 | |
| b. Hip (other fracture) | 750 | |
| c. Jaw, pelvis, leg, ankle or knee (other fracture) | 500 | |
| d. Cheekbone, shoulder or hairline fracture of skull or spine (other fracture) | 300 | |
| e. Arm, elbow, wrist or ribs (other fracture) | 250 | |
| f. Leg, ankle or knee (simple fracture) | 200 | |
| g. Nose or collar bone (simple fracture) | 200 | |
| h. Arm, elbow, wrist or ribs (simple fracture) | 100 | |
| i. Finger, thumb, foot, hand or toe (simple fracture) | 75 | |
| For Simple or Other Fractures not specified above, we will adopt a proportion that is consistent with the above scale with reference to a medical assessment of the fracture. |
||
| Accidental Medical Expenses Reimbursement | 4,000 | |
| a. Outpatient Medical Expenses (Sub-limit for TCM: up to $150 per visit and $1,000 per Accident) | 4,000 | |
| b. Inpatient Medical Expenses due to | ||
| i. Bodily Injury sustained during the Period of Insurance, and/or | 2,000 | |
| ii. any Infectious Diseases defined under this plan (*sub-limit for hospitalisation due to Infectious Diseases only) | ||
| Hospitalisation Allowance as a result of accidental injury (up to 180 days) | 200 per day | |
| Mobility Expense | 500 | |
| Bereavement Grant as a result of Accidental Death | 3,000 | |
| Benefits for each Dependant (Legal Spouse and/or Child) – A maximum of six dependants may be covered | 2,500 per dependant | |
| Accidental Death or Accidental Permanent Disablement | ||
| Please refer to your policy wording for details and benefits. All benefits are subject to the terms and conditions of the Policy. |
||
Community Partners
- Central Singapore CDC
- North East CDC
- North West CDC
- South East CDC
- South West CDC
Who is eligible?
- Singapore Citizens and Singapore Permanent Residents (PR)
- Work Permit, Employment Pass, Dependent’s Pass, S Pass and Long Term Visit Pass holders
- Applicants between 16 to 70 years of age (next birthday)
- Households with total gross income of less than S$3,500 or per capita income of less than S$1,000
- Participants referred by CDC and its partners
- Coverage will be provided to anyone who is eligible for this plan as an insured person or a dependant, but not both
Up to six eligible dependants may be covered under this policy
Eligible dependants
- Legal spouse of the life insured
- Legal child (including a stepchild or a legally adopted child) who on the inception date of the policy and on the date of accidental death of the insured person is:
- Wholly dependant on the insured person for financial support; and
- Not gainfully employed in any way; and
- Unmarried; and
- Between six months and 25 years old
Downloads & Forms
Frequently Asked Questions
ePROTECT family is a joint Corporate Social Responsibility (CSR) programme between Maybank Singapore and Etiqa Insurance Pte. Ltd. to provide breadwinners and their families with financial protection against further loss of income due to accidents.
Insured Persons under the programme don’t pay any premiums and will be insured for a period of five years under a personal accident policy, underwritten by Etiqa Insurance Pte. Ltd. The policy is non-renewable.
- A Singapore Citizen, Singapore Permanent Resident (PR) or a holder of any one of the following valid documents:
- Work Permit
- Employment Pass
- Dependant’s Pass
- S Pass
- Long Term Visit Pass
- Age between 16 – 70 years old (next birthday)
- Total gross household income < $3,500 or per capita income <$1,000
- Existing client of Family Service Centre / Social Service Office
- Up to 6 eligible dependants may be covered under this policy
We will provide coverage to anyone who is eligible for this plan as an insured person OR a dependant, but not both.
No, National Service allowance earned by NS men is not included in household income.
- Legal spouse of the insured personLegal spouse means the Insured Person’s partner with whom he has registered his marriage with, in accordance with the laws of the country in which he is ordinarily resident in at the time of the marriage.
- Child of the insured personChild shall mean a legal dependant of the Insured Person, including a stepchild and/or a legally adopted child who is, as of the Inception Date and the date of the Accident involving the Insured Person:
- Wholly dependent on the Insured Person for financial support and not gainfully employed in any way;
- Unmarried; and
- Between six (6) months and twenty-five (25) years of age.
Yes, they qualify as an eligible dependant.
If the child is serving national service, he does not qualify as an eligible dependant.
Yes, the spouse qualifies as an eligible dependant as long as husband and wife are legally married. Registration of marriage does not necessarily have to be in Singapore.
As long as the spouse meets the eligible criteria for dependants, up to 6 dependants will be covered.
No, they don’t. An eligible dependant means the legal spouse and/or child of the insured person.
No. An eligible dependant means the legal spouse and/or child of the insured person.
Yes, the occupations are:
- Law enforcement officer;
- Emergency medical or fire service personnel;
- Civil defense personnel;
- Military personnel of any country or international authority;
whether on full-time service or as volunteer, other than for reservist training.
Yes, high-risk jobs will be covered as long as they meet the eligible criteria and do not fall under the occupations listed in question 12.
To file for a claim, written notice must be given to Etiqa within 30 days of the occurrence of the claim event. The insured person must supply at his/her own expense, all certificates, information and evidence required by Etiqa for assessment of the claim. Etiqa may require the insured person to undergo medical examination by doctors appointed by the company, at the expense of Etiqa. In the case of death of the insured person, Etiqa reserves the rights to have a post-mortem conducted. Etiqa will bear the expense.
The usual supporting documents are:
- ePROTECT family Claim Form (download from www.etiqa.com.sg)
- Medical reports/bills/reports relevant to treatments
- Original medical bills will be required if the claim relates to reimbursement
- Death certificate/post-mortem report/autopsy report/police report/letter of administration
- Any other supporting documents that are requested by Etiqa to assist in the assessment of claim
If all documents are duly submitted, Etiqa will pay the claim in 2 to 4 weeks.
In the event medical / mobility expenses are paid through Medisave, Etiqa will reimburse the claim amount back to the insured person’s Medisave account.
Even though the bodily injuries were triggered by the accident, diabetes is a pre-existing condition. Etiqa will not pay a claim in the above scenario.
Even though the insured person has a pre-existing condition, as long as the medical expense is incurred due to an accident and not related to the pre-existing condition, the insured person can claim for medical expense reimbursement.
No, the type of claims are strictly as indicated per the benefit schedule.
Yes, Etiqa will still pay the claim even though the policy has ended. This is because the disablement occurred within the insurance period.
Yes, these activities are:
- War (declared or undeclared) or any act of war, invasion, foreign enemy, civil war,
rebellion, revolution, insurrection, any military or usurped power; - Illegal, wilful or intentional acts while sane or insane, suicide, self-inflicted injury, suicide pacts or agreements or attempts thereat provoked homicide or assault;
- Engaging in any speed contest or racing (other than on foot) or any professional competition or sports;
- Conditions resulting from or is a complication of pregnancy, childbirth, miscarriage or abortion, intoxication by alcohol or drugs not prescribed by Doctor;
- Pre-Existing Medical Conditions;
- Engaging in aviation;
- Sickness, disease, bacterial or viral infection;
- Nuclear reaction, radiation or radioactive contamination;
Please refer to the policy wordings for full details.
Any benefits payable in the event of a claim will be paid to the insured person, or in the event of death, to their estate.
Yes. However, due to the Personal Data Protection Act, Etiqa must verify the identity of the person making a claim. A third party can contact Etiqa for the claim form, or download it from www.etiqa.com.sg. However, if anyone other than the insured person were to contact Etiqa for policy information, we cannot divulge anything if we cannot ascertain the identity of the person. A third party can help the insured person to file a claim. However, this must be done with the consent of the insured person and Etiqa must be able to verify the identity of the insured person. If the insured person is deceased as a result of an accident, his family may file a claim and Etiqa must verify the family member’s identity.
If a fraudulent claim were submitted, Etiqa shall have no liability in respect of such claim and the policy will be terminated with immediate effect.
The policy will terminate on the earliest of the following events:
- Upon death of the Insured Person;
- Upon payment of the maximum benefit to the Insured Person under Accidental Permanent Disablement cover;
- Upon expiry of the policy at the end of the period of insurance.
Yes, nomination of beneficiary is allowed under the policy. You may download the nomination form from our website, www.etiqa.com.sg.
Yes. If you are a Family Service Centre / Social Service Officer, you can assist your client to sign up for the plan. Simply apply for ePROTECT family through the online straight-through portal on www.etiqa.com.sg with your client’s personal particulars. A Certificate of Insurance and Welcome Letter will be emailed to your client.
The documents will be mailed to the Policyholder if he / she does not have an email address.
In the event of any change in the information disclosed to Etiqa, a written notice has to be submitted to Etiqa immediately.
No, ePROTECT family is a free personal accident insurance plan for underprivileged families. Coverage is five years and the plan is non-renewable.
If you wish to make a complaint, you may call Etiqa Customer Care Centre at (65) 6887 8777 or email: customer.service@etiqa.com.sg. You need to provide Etiqa with your details, specific nature of your complaint and supporting documents. We will resolve all complaints as soon as possible.
If you are still dissatisfied with the response, we will refer you to a dispute resolution organisation, Financial Industry Disputes Resolution Centre Ltd (FIDReC) http://www.fidrec.com.sg/.
This policy is underwritten by Etiqa Insurance Pte. Ltd., a member of Maybank Group.
This content is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract.
You should seek advice from a qualified adviser before deciding to purchase the policy. If you choose not to seek advice, you should consider if the policy is suitable for you. It is usually detrimental to replace an existing personal accident plan with a new one. A penalty may be imposed for early termination and the new plan may cost more or have less benefit at the same cost. Benefits of the policy will only be payable upon an accident occurring.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the General Insurance Association (GIA) or SDIC websites (www.gia.org.sg or www.sdic.org.sg).
Information is correct as at 27 October 2021.
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