Junior Protection Plan

Providing essential cover for the children under your care

Junior Protection Plan (JPP) is a special Group Personal Accident Insurance plan for children from the age of 2 months, who are registered at kindergartens, childcare centres and before and after school care centres.

For as little as $3 per child per year, registered students at your facility will enjoy 24-hour worldwide cover for death and disability due to accident.  Designed with children in mind, JPP extends to cover medical expenses¹ and certain activities usually excluded under a standard personal accident insurance plan, such as rock climbing (as a supervised Co-Curricular Activities (CCAs) and riding as a pillion on a motorcycle (traveling to and from school with the parent or guardian).

Benefits at a glance

• 24-hour worldwide cover for death and disability due to accident
• Reimbursement for inpatient and outpatient medical expenses¹
• Hospitalisation benefits payable due to accident
• Extended cover for school personnel

Essential protection for your students

With JPP, your students can receive worldwide protection against death and total and permanent disability due to accident.  We even pay according to the type of injury in the event of partial and permanent disability.  The table below details the scale of compensation payable.

Main Benefits For Any Losses
Loss of life through any accident	$10,000
Loss of life through lightning	$10,000
Loss of life through murder	$10,000
Loss of life from drowning	$10,000
Total paralysis through injuries	$20,000
Loss of life from any causes while taking part in PE or physically strenuous activities during CCA	$10,000
Loss of any two limbs	$20,000
Loss of sight of both eyes	$20,000
Loss of one arm and sight of one eye	$20,000
Loss of one leg and sight of one eye	$20,000
Loss of one arm	$10,000
Loss of one leg	$10,000
Loss of sight of one eye	$10,000
Total loss of speech	$10,000
Total loss of hearing in both ears	$10,000
Loss of hearing in one ear	$5,000
- Loss of thumb - Loss of index finger - Loss of phalanx of thumb - Loss of any finger - Loss of any one toe - Cost of artificial limb (up to)	$2,500 $2,500 $2,500 $1,500 $1,000 $3,000
Maximum coverage per accident2	$20,000

JPP also takes care of the financial burden that comes with treatment for an injury by reimbursing the inpatient and outpatient medical expenses incurred up to $3,000 per accident¹.  If your student is hospitalised, JPP even pays weekly hospital benefit of $75 up to 52 weeks of hospitalisation per accident.

To enhance the coverage for your students, JPP provides much needed protection for:

• Accidental injuries sustained during supervised CCAs such as rock-climbing
• Accidental injuries sustained while riding pillion on a motorcycle to and from school with the parent or guardian
• Food poisoning contracted in school or while engaging in school activities
• Accidental injuries arising from dog bites and bee stings

Protecting the dedicated team

Nothing is more important than the people who are instrumental to a child’s education journey.  JPP extends cover3 to principals, teaching and non-teaching staff for accidents occurring during official school hours within the school compound.
JPP also provides accidental death cover³ for principals and teaching staff whilst they are supervising or accompanying students during CCAs and Physical Education classes.

Exclusions

There are certain conditions whereby the benefits under this plan will not be payable. These are stated as exclusions in the contract. You can refer to the Policy Contract for the full list of exclusions.

Claim Procedure

For documents required for claim submission under the Junior Protection Plan, please click here.