POGIS

 POGIS, also known as the Public Officers Group Insurance Scheme, provides term life coverage with the option to include critical illness riders at an affordable premium. The term life coverage provides protection for death, accidental death, terminal illness, total and permanent disability as well as partial and permanent disability. The optional riders help cushion the financial blow from critical illnesses across various stages.

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

You will continue to enjoy the benefits under your plan as long as you are employed within the public service.

Yes, you can include your spouse and child(ren) in the coverage, provided that at point of application:

1. You (the main applicant) are already or applying to be insured under POGIS; and 
2. Your legal spouse is 64 years old or below; and/or 
3. Your biological or legally adopted child is 24 years old or below.

Cover will cease upon divorce or legal separation. Please inform us immediately of such change.

Please refer to the table below.

When the maximum age of coverage is attained during the policy year, the insurance cover will be terminated at the end of that prevailing policy year. Each policy year runs from 1 July to 30 June of the following year, regardless of the commencement date of the insured’s cover.

^ Only applicable if you and your spouse have opted in for the Extended Years Coverage. Otherwise, the maximum age of coverage for you and your spouse is 65 years old.

A child aged 12 months to 6 years old is eligible for the Free Coverage for Children, provided both parents are insured under POGIS. The sum assured for the child will be based on the lower sum assured for the parents if the two parents have a different sum assured. Once the child reaches 6 years old (i.e. 6th birthday), the prevailing monthly premium for the child’s sum assured will be charged.

If both parents are public officers and wish to enjoy free coverage for their child, they would have to apply for POGIS on the basis of a main applicant and spouse. If they apply for POGIS separately (i.e. both as main applicants), their child will not be eligible for the free coverage.

New applications are subject to underwriting. Singlife may accept applications on special terms with exclusions.