Personal Accident — Financial Protection When Accidents Happen
Personal Accident — Financial Protection When Accidents Happen
Income Protection by senang.io provides financial support when illness, injury, or unforeseen circumstances prevent you from working and earning your regular income.
Your income is your most important financial asset. When it stops, your commitments don’t. Income Protection ensures you can continue meeting your obligations while focusing on recovery.
Why Income Protection Matters
Unexpected health issues or accidents can disrupt your ability to work.
Without income, you may struggle to cover:
Monthly loan repayments
Rent or mortgage
Utility bills
Daily living expenses
Family financial commitments
Savings alone may not be enough for prolonged recovery periods.
Income Protection helps replace a portion of your income so you can maintain financial stability.
How Income Protection Works
01
Choose Your Coverage Amount
Select a benefit amount based on your monthly income and financial commitments.
01
Choose Your Coverage Amount
Select a benefit amount based on your monthly income and financial commitments.
01
Choose Your Coverage Amount
Select a benefit amount based on your monthly income and financial commitments.
02
Select Coverage Period
Decide how long you want the benefit to be payable (short-term or extended coverage).
02
Select Coverage Period
Decide how long you want the benefit to be payable (short-term or extended coverage).
02
Select Coverage Period
Decide how long you want the benefit to be payable (short-term or extended coverage).
03
Covered Event Occurs
If illness or injury prevents you from working beyond the waiting period, you may submit a claim.
03
Covered Event Occurs
If illness or injury prevents you from working beyond the waiting period, you may submit a claim.
03
Covered Event Occurs
If illness or injury prevents you from working beyond the waiting period, you may submit a claim.
04
Receive Monthly Benefit
Upon approval, you receive regular payouts to support your expenses during recovery.
04
Receive Monthly Benefit
Upon approval, you receive regular payouts to support your expenses during recovery.
04
Receive Monthly Benefit
Upon approval, you receive regular payouts to support your expenses during recovery.
What Income Protection Can Cover
Core Coverage
✔ Temporary total disability
✔ Illness-related work incapacity
✔ Accident-related inability to work
✔ Monthly income replacement benefit
Optional Add-Ons (Depending on Plan)
🔹 Hospitalisation allowance 🔹 Critical illness rider 🔹 Extended benefit period 🔹 Job loss support (subject to terms)
Coverage details vary according to the selected plan and policy terms.
Key Benefits of Income Protection by senang.io
Protects your financial stability
Protects your financial stability
Protects your financial stability
Helps maintain lifestyle and commitments
Helps maintain lifestyle and commitments
Helps maintain lifestyle and commitments
Supports long-term recovery
Supports long-term recovery
Supports long-term recovery
Reduces reliance on savings
Reduces reliance on savings
Reduces reliance on savings
Complements medical and personal accident coverage
Complements medical and personal accident coverage
Complements medical and personal accident coverage
Who Should Consider Income Protection?
Income Protection is ideal for:
Working professionals
Self-employed individuals
Gig workers and freelancers
Sole breadwinners
SME owners
If your lifestyle depends on active income, protecting it is essential.
