MINDEF and MHA Group Insurance

You may pay electronically via internet banking, AXS mobile or Interbank Funds Transfer. Please refer here for the available payment methods.

While overseas, you may pay electronically via internet banking, AXS mobile or Interbank Funds Transfer. Your family members in Singapore can also help you to make the payment if you could not make electronic payment.

Please refer here for the available payment methods.

Please complete a new GIRO application form and mail the form back to Singapore Life Ltd. Please note that you should not terminate your existing GIRO bank account until your new GIRO bank account is approved.

If you have terminated your existing bank account, please submit a new GIRO application form together with 3 months' premium payment via cheque made payable to 'Singapore Life Ltd'. On the reverse side of the cheque, please indicate your policy number (s), Client Reference Number, contact number and "Payment for MINDEF & MHA Group Insurance".

However, if you are changing your GIRO bank account between POSB Bank and DBS Bank, you can simply do so by visiting any of the bank branches and the change can be effected immediately. The Bank will keep us informed of the change.

You may refer to the GIRO application instructions here.

GIRO deduction is done on the 10th of every month. If the deduction is unsuccessful, a 2nd attempt will be done on the 25th of the same month. If the deduction dates fall on a weekend or public holiday, the banks will bring it forward to an earlier working day.

The grace period begins on the premium due date and lasts for 30 days.

Within fourteen (14) days upon receipt of the Policy, you may write to us to cancel the Policy. After we have received the original Policy for cancellation, we will refund the premium you paid (without interest) after deducting any expenses incurred in issuing the policy and any amount of claim that were paid out. If the policy is sent to you by post, you are considered to have received it seven (07) days after the postage.

There is no annual renewal notice or renewal letter. The policy year starts on 1 January of the current year to 31 December of the following year for MINDEF/MHA insured persons; 1 January of the current year to 31 December of the following year for MINDEF/MHA insured persons. Renewal is automatic every year, all the way up to age 70 (ANB). However, once a year you will receive a statement from Singapore Life Ltd on your insurance coverage and the premiums you had paid for the preceding year.

Insured members/insured affiliate members who pay premium yearly will receive a billing notification, one month before the expiry of the policy year.

No. Renewal is automatic up to age 70 (ANB). You will be issued with a simple insurance certificate when you first sign up. However, once a year at the close of every calendar year, Singapore Life Ltd will mail to all insured members/insured affiliate members a statement on their insurance coverage and the premiums they had paid in the preceding calendar year. The information in the statement is also to facilitate your filing for income tax reporting.

For insured persons who pay cash at the Customer Service Hall, a receipt will be issued. No receipt is offered for those who paid by cheque.

Yes, the premiums can be used for income tax reporting, subject to the conditions set by the Inland Revenue Authority of Singapore (IRAS). Singlife will send a consolidated premium statement in the beginning of each calendar year to all insured members/insured affiliate members for premiums paid in the preceding calendar year, for tax reporting.