¹  You and your legal spouse must be at least 16 years old at the point of application. The maximum age for you and your spouse to take up this policy is 64 years old. The coverage will terminate at the end of the policy year when you or your spouse reaches 65 years old. If you or your spouse have opted in for Extended Years Coverage, the coverage will terminate at the end of the policy year when you or your spouse reaches 75 years old.

²  Your biological or legally adopted child must be at least 12 months old at the point of application. The maximum age for your child to take up this policy is 24 years old. Your child’s cover will terminate at the end of the policy year when your child reaches 25 years old. This plan does not cover any claim or loss arising from the insured taking part in full-time National Service.

³  A survival period of 30 days will apply from the date of diagnosis of the terminal illness.

⁴  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.

⁵  Public officers will be notified via a letter before they turn 65 years old, to opt in to extend their 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 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 amount 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. Each policy year runs from 1 July to 30 June of the following year, regardless of the commencement date of the insured’s cover.

⁶  The monthly premium of 39 cents per insured is for S$10,000 sum assured and assumes that each insured is 45 years old or below (age next birthday).

⁷  Partial and permanent disability must happen within 365 days from the date of the accident. Please refer to the table of compensation in the Product Summary.

⁸  In the event of total and permanent disability, an additional 1% of the sum assured will be payable monthly for the next 24 months, or up to 65 years old (or 75 years old if the insured has opted in for the Extended Years Coverage), or upon death of the insured, whichever is earliest.

• Government ministries
• Statutory boards
• Organs of state
   

Should you qualify as a public officer, your spouse¹ and children² are covered too.  What's more, public officers, their spouse and children can choose to continue their coverage even after leaving the public service. 

• Full-time SAF servicemen
• MINDEF DXOs and
• Home Team uniformed personnel
   

You may refer to the MINDEF & MHA group insurance scheme instead.

In addition, loved ones of POGIS members also qualify:
 

• Spouse
• Children
• Parents
• Siblings
   

Note: Copies of relevant marriage or birth certificates must be submitted as proof of relationship within 7 days of policy purchase.