What are the policies offered under the MINDEF & MHA Group Insurance Voluntary Scheme?

There are 6 policies available. These are the Group Term Life (main policy) with maximum coverage of S$1,000,000, Group Personal Accident (main policy) with maximum coverage of S$600,000, Living Care (rider) with maximum coverage for S$350,000, Living Care Plus (rider) with maximum coverage for S$300,000/S$200,0001, Group Disability Income (rider) and Outpatient Medicare (rider).

S$300,000 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

I would like to apply $1million coverage of Group Term Life (GTL) policy and I declare my pre-existing medical condition, will Singlife decline my application?

Singlife will accept the first $250,000 GTL application without underwriting. The first $250,000 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 $250,000.

Do all the MINDEF & MHA Group Insurance Voluntary Scheme policies provide worldwide coverage?

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

How long can MINDEF & MHA Group Term Life cover me?

Group Term Life will cover you till age next birthday (ANB) 70.

Does this insurance cover adopted children and/or stepchildren?

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

In the unfortunate event that I pass away before my insured spouse (dependant), can my spouse continue with the insurance coverage?

Yes. Your spouse has the option to continue with the insurance coverage until age 70 (ANB).

Can MINDEF & MHA members/affiliate members and their dependants be insured under different policies?

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

Can my spouse and children apply for Living Care policy?

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 Accident policy; or
  • are applying for Group Term Life or/and Group Personal Accident policy with this rider.

Can I sign up for Group Disability Income insurance? What should I do if there's a change in my income?

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 Accident policy. You should contact Singlife Ltd 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 Ltd, there could be delay or complications in the claims process.

I am a SAF NSman and a Home Team officer. Can I sign up both MINDEF Group Insurance and MHA Group Insurance?

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.

If Iʼve applied for the Group Outpatient Medicare rider, when can I start enjoying the benefits?

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.

This webpage is published for information only and Singapore Life Ltd. accepts no liability whatsoever with respect to its use or its contents.

The information contained here is accurate as at 16 Aug 2022.