Student Protection Plan

Round-the-clock protection for your child

At NTUC Income, we understand you have high hopes for your child. While you lay out the best plans for your child’s education, you can be assured that you will not be caught unprepared should he/she meet with any mishaps during his/her school years.

To help you meet the challenges that unexpected events may bring, the Student Protection Plan (SPP) is designed to provide extensive coverage for your child throughout his/her years of education, from primary school right up to junior college.

The SPP provides 24-hour worldwide coverage for your child against injuries that may be sustained during or after school hours. Even when your child is on approved job attachments or participating in after school activities, he/she is protected. This way, you can have peace of mind while your child is free to make the best of his/her schooling experience.

Protecting your child with the Student Protection Plan

As your child makes his/her journey towards a sound education, it is important for him/her to be engaged in activities that could take place outside of the classroom. As these activities provide good learning opportunities, your child should be encouraged to participate widely in such activities. However, injuries from these activities are not always preventable.

Should your child be injured, the SPP will compensate* you for the medical expenses incurred as a result of an accident.

Extensive protection includes:

• Injuries sustained during supervised Co-Curricular Activities (CCAs) such as rock-climbing, horse-riding, sailing, canoeing and other water activities
• Injuries sustained while riding pillion on a motorcycle to and from school with the parent or guardian
• Injuries caused by lightning
• Food poisoning contracted while engaging in school activities
• Dog bites, bee/wasp/hornet stings, dengue fever
• Injuries sustained during approved job attachment

* Maximum compensation payable for inpatient and outpatient treatments due to the same accident shall not exceed $7,100.

Outpatient Benefits

To cater to your child’s needs, the SPP covers various outpatient treatments up to a limit of $700 for accidental injuries. The benefits (for any one accident) include:

• Accidental emergency outpatient treatments at General Practitioners (GPs)/Accident & Emergency (A&E)/Polyclinics/ Specialist Outpatient Clinics at Restructured Hospitals (SOCs) up to $250 within 31 days from date of accident, including:
  
  • Ambulance fees and follow-up treatment
    
  • Physiotherapy fees for treatment at SOCs or Singapore Sports Council (SSC)
    
    
• Accidental dental treatment fees (within 1 year from date of accident) up to $300
  
  
• Traditional Chinese Medicine treatment fees (within 1 year from date of accident) up to $30 per visit, limited to $150

Inpatient Benefits

The SPP covers a range of hospital treatments and services if your child needs to be hospitalised as a result of accidental injuries, so out-of-pocket hospitalisation expenses would be the least of your worries.

The benefits (for any one accident) include:

• Hospital accommodation (including ICU) with a daily payout of $100 up to 50 days, or limited to $5,000
• Daily hospital consultation and surgical benefits (physician/surgeon/anaesthetist fees) up to $300
• Other hospital services including X-ray, prescriptions, medical supplies and operating theatre fees up to $800
• Post-hospitalisation treatments (within 1 year from date of accident) up to $300

Extra Benefits for Hospitalisation

If your child is hospitalised due to an accident, the SPP will pay a benefit of $100 per week from the first day of hospitalisation, up to a limit of $6,000 for any one accident.

Protecting the Parents and Dedicated team

Best of all, the SPP is also extended to all registered parent volunteers, as well as principal, teaching and non-teaching staff (aged 69 years and below).

The benefits include:

• Accident coverage for:
  
  • Principal, teachers and registered parent volunteers in the event that accidents occur while they are involved in organised school activities
  • Principal, teachers and non-teaching staff in the event that accidents occur during school hours
    
    
• Death coverage for principal and teachers in the event that death occurs while supervising or accompanying students during CCAs, Physical Education (PE) lessons or school competitions

Payment for Death and Disabilities

If your child is disabled as a result of an accident, the SPP will pay the benefits shown in the compensation table below according to the disability suffered. The maximum compensation payable for several disabilities due to the same accident shall not exceed $25,000. In the event of accidental death, a funeral expense benefit of $1,000 will also be paid.

The schedule of losses shows the amount of benefits payable.

Exclusions for Student Protection Plan

While the SPP covers a wide range of accidents, injuries caused by unsupervised activities such as horse-riding, scuba-diving, hunting, riding a motorcycle, injuries due to insanity, injuries sustained while under the influence of alcohol or drugs, racing other than on foot and self-inflicted injuries are excluded.

Claim Procedure

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

Please submit the completed forms and required documentation within 30 days of the accident or insured event to the following address:

Group & Health Department
NTUC Income Insurance Cooperative Ltd
NTUC Income Centre
75 Bras Basah Road
Singapore 189557