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MHA Group Insurance Scheme

You protect the nation, we protect you

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MHA Group Insurance

While you protect the nation, rest assured you’re being protected under the MINDEF & MHA Group insurance scheme. 


From 1 January 2023, you’ll¹ be covered under the Core Scheme which provides Group Term Life coverage of S$300,000 and Group Personal Injury coverage of S$300,000 for all serving personnel.

Additionally, you can opt for extra cover for both you and your loved ones through the Voluntary Scheme, with up to a maximum of S$1 million for Group Term Life and Group Personal Injury, starting 1 January 2023.


Under the Voluntary Scheme, you can boost your protection with optional riders for critical illness, disability and medical care, whilst enjoying discounts and savings on other insurance policies such as motor, travel and home.

Group Term Life

Get S$1 million coverage for just S$0.83 per day for you and your dependants.

Group Personal Injury

24/7 worldwide protection against mishaps.

Boost your coverage with our riders

Add-on riders to your Group Personal Accident or Group Term Life plan

Living Care

Get protection against 37 common critical illnesses2.

Living Care Plus

Enhanced protection against early critical illnesses3.

Disability Income

Receive a monthly payout if ever you become disabled.

Outpatient Medicare

Coverage for your family's outpatient medical expenses.


Enjoy these special savings

Claim your privileges as an insured member of the MINDEF & MHA Group Insurance Scheme when you buy our car, home and travel plans.

Up to 35% off Car Insurance

New customers will enjoy 15% discount on top of any existing promotion for their Singlife Car Insurance premium and riders, when they buy online directly from us*.

*Not applicable for renewals

Up to 50% off Travel Insurance

You and your family members can get up to 50% off single trip plans for individuals or groups. For multi-trip plans, enjoy 30% off your travel plan, when you buy online directly from us.

Up to 57% savings on Home Insurance

We'll upgrade you to the next higher tier so you can enjoy premium savings of up to 57%, when you buy online directly from us.


If you need more information, please read our FAQ here.

For new customers

Get comprehensive coverage exclusively designed to give you greater assurance.

For existing customers

Access your account to manage your policy details or upgrade your coverage through our portal.

Form library

Download the relevant forms that you'll need.

Contact us

Need more information? Call us

+65 6827 8000

Mondays to Fridays 8:45 - 17:30

Weekends and public holidays Closed

For assistance or enquiries, write to us and we'll assist you.

This policy is underwritten by Singapore Life Ltd.

This is published for general information only and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. A copy of the Product Summary may be obtained from Singapore Life Ltd. and the participating distributors’ offices.  You should read the Product Summary before deciding whether to purchase the product. You may wish to seek advice from a financial adviser representative before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser representative, you should consider whether the product in question is suitable for you.


Group Term Life

This policy has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely. This is not a contract of insurance. Full details of the standard terms and conditions of this policy can be found in the relevant certificate of insurance.


Group Personal Injury
This product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely.

The benefits of a personal accident policy will only be payable upon an accident occurring. Before replacing an existing personal accident policy with a new one, you should consider whether the switch is detrimental as there may be potential disadvantages with switching. A penalty may be imposed for early termination and the new policy may cost more or have fewer benefits at the same costs.

If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and Singlife may recover from you any expense incurred by us in underwriting the policy. 


Living Care / Living Care Plus / Disability Income / Outpatient Medicare

This product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely.

Buying a health insurance policy that is not suitable for you may impact your ability to finance your future healthcare needs.

This advertisement has not been reviewed by the Monetary Authority of Singapore. These policies are protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Singapore Life Ltd. or visit the Life Insurance Association or SDIC websites (Home or Singapore Deposit Insurance Corporation - SDIC ). Information is accurate as at January 2023.