MINDEF and MHA Group Insurance

There are 6 policies available. These are the Group Term Life (main policy) with maximum coverage of S$1,000,000, Group Personal Injury (main policy) with maximum coverage of S$1,000,000, Living Care (rider) with maximum coverage for S$500,000, Living Care Plus (rider) with maximum coverage for S$500,000/S$200,000¹, Group Disability Income (rider) and Outpatient Medicare (rider).

¹ S$500,000 if the application for coverage is made before age 56 years at next birthday or

   $200,000 if the application for coverage is made at age 56 years old and above at next birthday

Singlife will accept the first $300,000 GTL application without underwriting. The first $300,000 GTL excludes pre-existing medical condition for 1 year. While Singlife will to the maximum extent possible, give favourable consideration to all applications, Singlife reserves the right to decline or postpone the application or offer a reduced sum assured for sums beyond the $300,000.

Yes. All the MINDEF & MHA Group Insurance policies provide 24 hours worldwide coverage regardless of geographical location.

From ANB 66 onwards, you and/or your spouse will be automatically enrolled into the Extended Years Coverage (from ANB 66 to 70) so you can continue to enjoy the same coverage, but with revised premium.

At the end of the policy year when you and/or your spouse attain your 65th birthday, you will receive a Notification Letter from Singlife informing you about the prevailing premiums if you wish to continue your cover beyond age 65.

Should you wish to opt out from the Extended Years Coverage scheme, please sign and return the Reply Slip to us before the stipulated deadline indicated in the Notification Letter. You will receive a confirmation letter from us notifying you on the termination of you and/or your spouse's policy.

Yes, if the relationship between you and your adopted/stepchildren is legitimate and can be substantiated legally.

Yes. Your spouse can continue with the insurance coverage until age 70(ANB), if she did not opt-out for the Extended Years Coverage scheme.

First, any person would have to sign up for the basic Group Term Life policy or/and Group Personal Injury policy, then he/she can sign up for any other group riders (i.e. Living Care, Living Care Plus, Disability Income and Outpatient Medicare).

Your dependents can also apply for additional riders that the main applicant is not covered under. However, it would be capped at the maximum sum assured of the main applicant's main policies (Group Term Life and/or Group Personal Injury).

Yes, as a MINDEF & MHA Group Insurance Voluntary Scheme insured member/insured affiliate member, your dependants can apply for Supplementary Living Care insurance if they:

• have an existing Group Term Life or/and Group Personal Injury policy; or
• are applying for Group Term Life or/and Group Personal Injury policy with this rider.

Yes, you can sign up for the Group Disability Income insurance if you are employed and insured with the MINDEF & MHA Group Term Life or/and Group Personal Injury policy. You should contact Singlife to update the change in your occupation and/or income, and we will advise you the procedure accordingly. Otherwise, in the event of a claim and your occupation or current monthly salary are found to have differed from what was declared to Singlife, there could be delay or complications in the claims process.

No, you can't. MINDEF & MHA Group Insurance is under one contract. You can either choose MINDEF Group Insurance Scheme or MHA Group Insurance Scheme.

Once you receive the welcome letter from IHP, you can download the IHP app via the Apple App Store or Google Play Store and start using the e-card to enjoy your medical benefits. Please note that with effect from 1 April 2021, we’ll no longer issue physical cards to insured members.