POGIS

 We offer the following term life coverage for you, your spouse and your children.

 For more details, please refer to product brochure and Product Summary.
 

We also offer the following critical illness coverage for you, your spouse and your children.

Please refer to the table below.

The sum assured for your spouse and each child for each product cannot exceed the sum assured for the main applicant. Each individual’s total sum assured for riders cannot exceed the sum assured for the term life coverage.

6 months before you turn 65 years old (based on 1 July each year), you will receive a Notification Letter from Singlife that offers you the option to extend your coverage (under “Extended Years Coverage”) up to 75 years old. This also applies to the following groups of public officers who:

• Leave the public service under age-limit/early/optional retirement; 
• Retire on medical grounds; or 
• Leave the public service under the Special Resignation Scheme, Special Exit Scheme and Special Gratuity /Gratuity for Mutual Separation Scheme.

Public officers can choose to extend their coverage beyond 65 years old without underwriting if the sum assured is not increased (subject to the maximum sum assured of S$500,000). If the reduced sum assured results in a higher sum assured for your spouse, your spouse’s sum assured will be reduced to the same sum assured as yours.

When the maximum age of 75 years old is attained during the policy year, the insurance cover will be terminated at the end of that prevailing policy year.

6 months before you turn 65 years old (based on 1 July each year) you will receive a Notification Letter from Singlife offering you with the options to continue your cover beyond age 65. If you opt to continue your coverage beyond 65 years old, no underwriting is required if the sum assured is not increased (subject to the maximum sum assured of S$500,000). If

your sum assured is reduced and results in a higher sum assured for your spouse, your spouse’s sum assured will be reduced to the same sum assured as yours.

If you wish to continue cover beyond 65 years old, 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 continuity of cover up to 75 years old.

No action is required if you do not wish to continue your cover beyond 65 years old.

To increase the sum assured or add riders for you and/or your dependants, please submit an application to upgrade your coverage via our POGIS online portal: https://ebh.singlife.com/eb/pogis.

Please note that any increase in sum assured will be subject to underwriting.

Please note that your spouse and/or child(ren) can only be covered under the Early Critical Illness rider or the Critical Illness rider if you’re also covered under the same rider.

Please submit a new application via our POGIS online portal: https://ebh.singlife.com/eb/pogis. The new insured will be subject to underwriting.

Portability Option will be offered upon a public officer’s termination of employment.

Your coverage will not be affected as long as you continue to pay the premiums by the due dates during your no-pay-leave period.

Yes, contract staff of government ministries, statutory boards and organs of states, and their immediate family members (spouse and children) are eligible.

No, the main applicant needs to be covered for Critical Illness before the dependants can sign up. Likewise, the dependants’ total sum assured for Critical Illness and/or Early Critical Illness cannot be higher than that of the main applicant.

There is no cap on the number of children, as long as child is between 12 months and attained age of 6, and both parents are covered under the scheme.

Yes, they can if they fit the definition of dependants. New applicants (newly eligible applicants) will be required to provide a scanned copy of their identification documents.