MINDEF & MHA Group Insurance - Group Term Life - Voluntary Scheme - Key Features and Premium Rates

Oct 13, 2026

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Group Term Life under MINDEF & MHA Group Insurance (voluntary scheme, group policy no. G007500) provides coverage for death or total and permanent disability. The plan covers eligible members and dependants, with protection amounts from S$10,000 to S$1,000,000 and age limits including maximum entry age 65 (ANB) and child coverage ceasing at 45 (ANB) or earlier marriage. Premium rates are listed by coverage amount and age bracket, with key features including no medical check-up up to S$300,000 and 24/7 worldwide coverage.

LanguageEnglish

CategoryGeneral

FormatPDF

Pages11

Reading Time4 min

AccessFree to download

Key Features

Coverage and Eligibility

Age Limits

Protection Cover and Premium Rates

Insurance Benefits

Exclusions

Policy Cover Limitations

MINDEF & MHA Group Insurance Group Term Life Group Term Life MINDEF & MHA GROUP INSURANCE VOLUNTARY SCHEME (GROUP POLICY NO: G007500) The Group Term Life insurance provides coverage in the event of Death or Total and Permanent Disability, at a ordable premium rates. The coverage we o er is up to age 70 next birthday (ANB) and continues even a􀀞er you have: • Retired or le􀀞 the employment of MINDEF or MHA • Been released from NS liability • Completed Operationally Ready National Service (ORNS) training cycle or reached statutory age for completion of ORNS • Le􀀞 volunteer service Key Features • Be insured up to a maximum coverage ofS$1,000,000 at S$0 .831 per day • Pay the same premium rate up to age 65 (ANB) • No medical check-up and underwriting required for up to S$300,000 coverage • If your medical grading (at the time of employment or enlistment) is PES A or PES B or its equivalent, you will not require medical underwriting if the application is made within the ﬁrst thirty (30) days of employment or enlistment for full-time national service • Receive daily hospital cash beneﬁt2 • Receive 100% Advance Payment Beneﬁt up to S$400,000 if diagnosed with Terminal llness3 • 24/7 worldwide coverage • In the event that the main ensured Person passes away, the spouse can continue to receive coverage (For details on the plan beneﬁts, [please refer to singlife.com/mindef-and-mha](please refer to singlife.com/mindef-and-mha)) Eligible Members • Full-Time National Servicemen (NSFs) • Operationally Ready National Servicemen (NSmen)* *You must be an active NSman to apply for cover under this plan This is tied to the statutory age for NS liability – age 40 for non-o􀀜cer ranksand age 50 for o􀀜cer ranks Page 1 of 8 Eligible Members (continued) • Regular servicemen (Full-time, Part-time and Contract Service) in the: – MINDEF/SAF [including Defence Executive O􀀜cers (DXOs)] – Singapore Police Force (SPF) – Singapore Civil Defence Force (SCDF) – Singapore Prison Service (SPS) – Central Narcotics Bureau (CNB) – Immigration & Checkpoints Authority (ICA) • Public O􀀜cers working with MINDEF and MHA • Volunteers: – SAF Volunteer Corps (SAF VC) – NS Volunteers (or equivalent) – Reservist On Voluntary Extended Reserve Service (ROVERS) – SPF Volunteer Special Constabulary (VSC) – SCDF Civil Defence Auxiliary Unit (CDAU) A􀀞liate Members • Employees (Full-time, Part-time and Contract Service) of Authority-a􀀜liated entities including: – Defence Science & Technology Agency (DSTA)/DSTA-a􀀜liated entities – MINDEF-related Organisations (MROs) – Casino Regulatory Authority (CRA) – Yellow Ribbon Singapore (YRSG) – Home Team Science and Technology Agency (HTX) – MHA-related Organisations Eligible Dependants A person who is related to an Eligible Member or A􀀜li ate Member in any of the following ways: • Spouse • Child(ren) whether biological or legally adopted Age Limits • Maximum entry age: 65 (ANB) • For child(ren), the coverage will cease at age 45 (ANB) or when he/she gets married, whichever is earlier Protection Cover and Premium Rates You, your spouse/child(ren) may choose to take up any amount of protection cover from a minimum amount ofS$10,000 to a maximum amount ofS$1,000,000 in multiples of S$10,000 . | Coverage
amount
(S$) | Monthly premium rates (S$) Member/A􀀞liate Member/Spouse/Child(ren) | | | | | | | --- | --- | --- | --- | --- | --- | --- | | | ANB 65
and below | ANB 66* | ANB 67* | ANB 68* | ANB 69* | ANB 70* | | 100,000 | 2.50 | 35.30 | 40.10 | 48.30 | 57.40 | 63.60 | | 200,000 | 5.00 | 70.60 | 80.20 | 96.60 | 114.80 | 127.20 | | 300,000 | 7.50 | 105.90 | 120.30 | 144.90 | 172.20 | 190.80 | | 400,000 | 10.00 | 141.20 | 160.40 | 193.20 | 229.60 | 254.40 | | 500,000 | 12.50 | 176.50 | 200.50 | 241.50 | 287.00 | 318.00 | | 600,000 | 15.00 | 211.80 | 240.60 | 289.80 | 344.40 | 381.60 | | 700,000 | 17.50 | 247.10 | 280.70

FAQs

What events does the Group Term Life plan cover?

It provides coverage in the event of Death or Total and Permanent Disability (TPD). It also includes the Advance Payment Beneﬁt and a Daily Hospital Cash Beneﬁt as described in the benefits section.

Who is eligible to apply for coverage?

Eligible members include full-time national servicemen (NSFs) and operationally ready national servicemen (NSmen), plus regular servicemen in listed organizations, public officers working with MINDEF and MHA, and specified volunteers. Affiliate members and eligible dependants are also covered under defined relationships.

Are medical check-ups required, and what are the premium considerations?

No medical check-up and underwriting are required for up to S$300,000 coverage. Premium rates vary by coverage amount and age bracket (ANB), and the plan also states conditions for daily hospital cash beneﬁt and advance payment for terminal illness.

Oct 13, 2026

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