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Personal > Protect > Health > TM Protect 1

What is TM Protect 1?

TM Protect 1 is a regular premium, non-participating disability plan designed to protect you during the critical stages when you need essential support. The plan pays out a monthly benefit up to your chosen period of coverage.

Why is this important to you?

According to the Council for Disability Awareness, just over 1 in 4 of today’s 20-year-olds will become disabled before they retire. What’s more, it can happen to anyone at anytime - young or old.

With today’s medical advancements in technology and science, our lifespans have increased markedly: for women in Singapore, to just under 85 years; for men, just over 80 years*. While we celebrate longevity, it also increases the chance of getting an illness or some form of impairment, which can heighten the risk of disabilities. The financial strain of such an occurrence can be very taxing, particularly in the early stages.

Should you become disabled, we can help to provide essential income support - for up to 72 months - which will help you to readjust your lifestyle.

*Source: www.who.int/mediacentre/factsheets/fs352/en/

This is suitable if you want

  • a plan to provide financial protection in the event of disability.
  • a plan which is very affordable.

This is not suitable if you want

  • a wealth accumulation or savings plan.
  • high protection.

Key coverage

  • Monthly Disability Benefit
  • Get Well Benefit
  • Death Benefit
  • Care Giver Benefit
  • Disability Due to Heart Attack or Stroke Benefit
  • Rehabilitation Benefit
  • Mobility Aids Reimbursement Benefit
  • Transport Benefit
  • Home Improvement Benefit
NOTE:
  • The benefit payout period of the choice of 3 or 6 years.
  • The maximum amount of Get Well Benefit must not exceed the total Monthly Disability Benefit payable within the benefit pay out period. Policy terminates upon successful claim of this benefit.
  •  No reimbursement will be paid under Mobility Aids and Home Improvement for any part of the expenses that are payable under any government programme, or under any other insurance policy.

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Product literature

Important Notes

All ages mentioned in this webpage are based on age next birthday.

This plan is underwritten by Tokio Marine Life Insurance Singapore Ltd. and is only available through our authorised distributors. Kindly obtain the required product disclosures and seek advice from a financial adviser before making a commitment to purchase this plan. As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. It is also detrimental to replace an existing life insurance policy with a new one as the new policy may cost more or have fewer benefits at the same cost. 

For policies distributed in Singapore: 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 the coverage, where applicable, please contact us or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Information shown in this webpage is for reference only and is correct as at 1 Feb 2019.

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