Enhanced Kids! Protector
You want the very best for your child – be it a good education or a secure financial future. That is why Enhanced Kids! Protector is specially designed to provide extra coverage for your children and greater peace of mind for you.

Enhanced Kids! Protector offers you a wide coverage and a yearly cash bonus, while giving your child 24-hour protection at home, in school or at play, anywhere in the world.
Benefits
Up to 30% guaranteed yearly cash bonus
Upon the completion of every policy year, you will receive a guaranteed cash bonus of up to 30% of the net premium (i.e. premium excludes GST). This is regardless of any claims made in the policy year but is subjected to full payment of premiums and renewal of policy.		 Accidental medical expense for inpatient or outpatient treatments
If the insured child seeks inpatient or outpatient treatment due to injury as a result of an accident, such as burns, dislocation or fracture of limbs, the first $30 is borne by the policyholder and subsequently, up to $1,000 of the medical expenses will be reimbursed.
Free coverage for your child until age 24 should anything happen to you
In the event of permanent and total disablement to either one of the parents, all future premiums will be permanently waived.		 Child’s Education Fund benefit ensures your child’s future is secure
Should accidental death or permanent total disablement happen to either parent, up to $35,000 will be paid for the insured child’s education.
Daily hospital cash benefit for injury or Hand, Foot and Mouth Disease
If your child is hospitalised due to an injury, $100 is paid daily for up to a maximum of 730 days for the same cause. This means a total protection of up to $73,000 on the hospital bills! Should your child be hospitalised due to Hand, Foot and Mouth disease, $50 will be paid each day for a maximum of 365 days for the same cause, limited to two claims per policy lifetime.		 Child’s Maintenance Fund† benefit ensures your child’s financial independence
Should accidental death or permanent total disablement happen to both parents, up to $70,000 will be paid for the insured child’s living expenses, education and other immediate needs.
Benefits Standard Plan Superior Plan
Accidental death $10,000 $10,000
Permanent disability up to $20,000 up to $40,000
Daily hospital cash (Accidental)
(up to 730 days)		 $100 per day $100 per day
Daily hospital cash (Hand, Foot and Mouth disease)
(up to 365 days)		 $50 per day
Up to two claims per policy lifetime		 $50 per day
Up to two claims per policy lifetime
Accidental medical reimbursement
(in/out-patient treatment)		 up to $500 per day
Excess of $30 		up to $500 per day
Excess of $30
Child's Education Fund
(in the event of accidental death and permanent total disablement of one parent)		 $15,000 $35,000
Child's MaintenanceFund
(in the event of accidental death and permanent total disablement of both parents)		 $30,000 $70,000
Additional benefits
Guaranteed cash bonus 30% - Refund goes back to e$aver kids! account^ or 25% - Refund via cheque 30% - Refund goes back to e$aver kids! account^ or 25% - Refund via cheque
Premium waiver in the event of one parent's permanent total disablement Until your child reaches the age of 24 Until your child reaches the age of 24
Premiums quoted are inclusive of 7% GST. Premium payments can be made through GIRO, credit card or cheque.
For use of cheque, only annual payment is allowed.
What it costs
What it costs Standard Plan Superior Plan
1 child S$18.95 per month S$31.59 per month
frequently asked questions
What is so unique about the Enhanced Kids! Protector? Unlike other children’s protection plans, Enhanced Kids! Protector also:

  • Covers minor injuries such as cuts or burns due to accidents
  • Pays for hospitalisation due to accidental injury or Hand, Foot and Mouth Disease
  • Covers the parents for accidental death or permanent total disablement
  • In the event of a parent’s permanent total disablement, the premium will be waived till the child reaches the age of 24 – so the child gets free coverage!
  • Gives up to 30% guaranteed cash bonus upon completion of every year of insurance cover. This is regardless of any claims made but subject to full payment of premium and renewal of policy
Who can enrol in the Enhanced Kids! Protector? Anyone can enrol their children, who are residing in Singapore and between 1 and 18 years old. You do not need to have an existing Standard Chartered account to enjoy a 25% cash bonus. However, if you have an e$avers Kids! account, you will enjoy a 30% cash bonus^.
How do I enrol for Enhanced Kids! Protector? Simply complete, sign and mail the enrolment form enclosed to ACE Insurance. Upon approval of the application, you will receive the full set of policy documents from ACE Insurance.
What do you mean by "an excess of $30"? Excess refers to the amount which is not covered under the policy and is borne by you. This will mean that you will bear the $30 and the policy pays for the remaining medical expenses (subject to the maximum limit depending on the plan coverage).
Is the coverage effective only during school hours? Enhanced Kids! Protector protects your children 24-hours, worldwide, be it at home, in school or at play.
Is my son covered when he enlists in the National Service? Yes, he will be covered.
I’m interested so what's next?
Contact Us

Click here to download the application form.

Or simply fill in your particulars in the form here, and submit it to us to find out more about Enhanced Kids! Protector.

We'll get in touch with you in no time.

*Based on Standard Plan and there are 31 days in the month.
† In the event if the Child’s Education Fund benefit was paid, the Child’s Maintenance Fund benefit will not be applicable should the second insured parent suffer accidental death or total disablement at a later stage.
^ Being a trust account, Guaranteed Cash Bonus has to be credited to the same e$aver Kids! account in which the premium has been paid from.

Disclaimer:
This is a Personal Accident Plan. The benefits are only payable in the event of accidents with the exception of Hospital Confinement due to Hand, Foot and Mouth Disease.

This brochure describes service provided by ACE Insurance Ltd (Co. Reg. No. 199702449H) in alliance with Standard Chartered Bank. This brochure is not a contract of insurance and reference should be made to the Policy for exact terms and specific details applicable to the insurance policy. All insurance policies are independently underwritten by ACE Insurance Ltd and not Standard Chartered Bank. Standard Chartered Bank does not accept any responsibility regarding any statement made or omission of any provisions of this brochure or the contract of insurance, nor shall Standard Chartered bank be held liable in any manner whatsoever regarding your application or contract of insurance.

In facilitating insurance arrangements or referring customers to ACE Insurance Ltd, Standard Chartered Bank is acting in alliance with ACE Insurance Ltd and not as an agent for the customers.