MINDEF Group Insurance

Protecting our Protectors since 1983!

Safeguarding our Servicemen

Rest assured that while you protect the nation, you are also protected by the MINDEF Group Insurance Core Scheme. Since January 2023, your1 coverage under the Core Scheme has doubled to S$300,000 for both Group Term Life and Group Personal Injury.

Boost your coverage up to S$1 million with affordable premiums when you sign up for the MINDEF Voluntary Scheme.

Higher coverage and more benefits with the MINDEF Voluntary Scheme

Flip the cards to find out more sl-icon-guide-arrow

/content/dam/public/sg/images/icons/icon-of-shield-with-plus-sign.svg

Enjoy extra coverage

Boost your coverage of up to S$1,000,000 from $0.17 a day2.

/content/dam/public/sg/images/icons/mindef-mha-website-usp-icon-50x50-family-of-3.png

Coverage for families

Get the same protection for your spouse and children3 at the same affordable rates.

/content/dam/public/sg/images/icons/mindef-mha-website-usp-icon-50x50-critical-illness.png

Boost your protection

Enhance your coverage with optional riders for critical and early critical illness, disability and medical.

/content/dam/public/sg/images/icons/mindef-mha-website-usp-icon-50x50-fixed-premium.png

Fixed Premiums

Premiums paid remain the same from the age you join until you turn 704.

/content/dam/public/sg/images/icons/mindef-mha-website-usp-icon-50x50-exclusive-offers.png

Exclusive offers

Enjoy additional savings when you buy our car, home, travel plans and more.

Group Term Life

Get S$1 million coverage for just S$0.83 per day for you or your dependants.
  • 100% payout in the event of Death or Total and Permanent Disability.

  • No medical check-up and underwriting required for up to S$300,000 coverage.

  • Receive daily hospital cash benefit.

  • Pay the same premium rate up to age 65 (ANB).

Learn more

Group Personal Injury

Get S$1 million coverage for just S$0.17 per day for you or your dependants.
  • 150% payout of the coverage amount for Total and Permanent Disability due to an accident.

  • 24/7 worldwide coverage.

  • Reimbursement of ambulance cost.

  • Pay the same premium rate up to age 70 (ANB).

Learn more

Boost your coverage with our riders.

Add-ons to enhance your Group Term Life or Group Personal Injury plans. Payouts from these riders do not reduce the coverage amount from your Group Term Life or Group Personal Injury plan.

Living Care

Protection against 37 common critical illnesses5. Get covered up to S$500,000.

Learn more

Living Care Plus

Enhanced protection against 10 early critical illnesses6. Get covered up to S$500,000.

Learn more

Disability Income

Receive a monthly payout if ever you become disabled.

Learn more

Outpatient Medicare

Coverage for your family's outpatient medical expenses.

Learn more

Enjoy these exclusive offers

Insured members7 of the MINDEF Group Insurance Voluntary Scheme and their immediate family8 enjoy additional privileges.

  • 01
    Up to 35% off Car Insurance

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

     

    *Not applicable for renewals.

     

    Get a quote

  • 02
    Up to 50% off Travel Insurance

    You and your family enjoy up to 50% off single trip plans for individuals or groups.

     

    For year-round protection, choose our annual multi-trip plan and get up to 48% off.

     

    Get a quote

  • 03
    Up to 57% savings on Home Insurance

    You'll be upgraded to the next tier of Home Insurance plan so you can enjoy premium savings of up to 57%, when you buy online directly from us.


    Get a quote

Find out more

FAQs

For Frequently Asked Questions, please click here.

Resources

For new customers, click here to get a quote on the comprehensive coverage exclusively designed to give you greater assurance.

For existing customers, access your account here to manage your policy details or upgrade your coverage through our portal.

For access to relevant forms, click here to visit the Form Library.

Contact us

For assistance or enquiries, call us at +65 6827 8000 or write to us and we’ll assist you.

Hours:
Mondays to Fridays 8:45 – 17:30
Closed on weekends and public holidays.

Important Notes

sl-chevron-down-black

Terms and conditions apply.

 

  1. Refers to Full-time National Servicemen (NSFs), Operationally Ready National Servicemen (NSmen), Regular servicemen and volunteers (SAF Volunteer Corps, NS Volunteers, SPF Voluntary Special Constabulary and Civil Defence Auxiliary Unit).
  2. Premium shown is based on Group Personal Injury Plan monthly rate (rounding to the nearest cent) for an Insured Person, aged 70 and below at next birthday.
  3. The coverage for child(ren) will cease at age 45 (ANB) or when he/she gets married, whichever is earlier.
  4. Premium rate remains the same for Group Personal Injury up to age 70 (ANB), while premium rate remains the same for Group Term Life up to age 65 (ANB).
  5. A detailed definition of the critical illnesses admissible for claim can be found in the Singlife website at https://singlife.com. The Life Insurance Association Singapore (LIA) has standard Definitions for 37 severe-stage Critical Illnesses (Version 2019). You may refer to www.lia.org.sg for the standard Definitions (Version 2019).
  6. The Life Insurance Association Singapore (LIA) has standard Definitions for 37 severe-stage Critical Illnesses (Version 2019). These Critical Illnesses do not fall under Version 2019. For Critical Illnesses that do not fall under Version 2019, the definitions are determined by the insurance company. You may refer to www.lia.org.sg for the standard Definitions (Version 2019).
  7. Anyone insured under MINDEF voluntary group insurance scheme qualifies. The scheme refers to additional coverage under the Group Term Life (GTL) plan.
  8. The following family members of MINDEF policyholders, qualify for special deals: Spouse*, Children*, Parents, Siblings. (*Copies of relevant marriage or birth certificates must be submitted with the application as proof of relationship.)
sl-chevron-down-white

Disclaimers

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.

 

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 is not a contract of insurance. Full details of the standard terms and conditions of these policies can be found in the relevant certificates of insurance with benefits summary.

 

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 (www.lia.org.sg or www.sdic.org.sg ). Information is accurate as at July 2023.