[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-seo-565846-105":3,"detail-sidebar-cat-1-en-105":81,"doc-detail-565846-en":127},{"code":4,"msg":5,"data":6},0,"ok",{"site_id":7,"language":8,"slug":9,"title":10,"keywords":11,"description":12,"schema_data":13,"social_meta":74,"head_meta":76,"extra_data":78,"updated_unix":80},105,"en","public-officers-group-insurance-scheme-pogis-product-summary","PUBLIC OFFICERS GROUP INSURANCE SCHEME (POGIS) PRODUCT SUMMARY","","Public Officers Group Insurance Scheme (POGIS) provides affordable term life coverage for eligible public officers and their immediate family members, covering death, accidental death, terminal illness, and total and permanent disability, with options for partial and permanent disability. Coverage is available up to age limits, with Extended Years Coverage up to 75 and add-on riders for critical and early critical illnesses. The summary details eligibility, free child cover rules, policy-year termination timing, coverage amounts, portability, and continuation of dependants after the insured’s death.",{"@graph":14,"@context":73},[15,34,56],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/template/","Template",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/template/general/","General",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/template/public-officers-group-insurance-scheme-pogis-product-summary/565846/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/public-officers-group-insurance-scheme-pogis-product-summary/565846.png","ImageObject",442,249,{"name":42,"@type":43},"8796093062539","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-10-27","2026-10-13",true,{"@type":52,"interactionType":53,"userInteractionCount":55},"InteractionCounter",{"@type":54},"ViewAction",9,{"@type":57,"mainEntity":58},"FAQPage",[59,65,69],{"name":60,"@type":61,"acceptedAnswer":62},"Who is eligible for coverage under POGIS?","Question",{"text":63,"@type":64},"Eligible members include public officers in government ministries, statutory boards, or organs of state, and their immediate family members. Immediate family includes the insured’s legal spouse and biological or legally adopted children. Full-time SAF servicemen, MINDEF DXOs, and Home Team uniformed personnel are not covered.","Answer",{"name":66,"@type":61,"acceptedAnswer":67},"What are the age limits for entry and maximum coverage under POGIS?",{"text":68,"@type":64},"Public officer/spouse entry age is from 16 to 64, with maximum age of coverage up to 75. Children can enter from 12 months old up to 24 years old, with maximum coverage up to 25 years old. If the maximum age is reached during a policy year, cover ends at the end of that policy year.",{"name":70,"@type":61,"acceptedAnswer":71},"What optional benefits can be added, and how do rider limits work?",{"text":72,"@type":64},"Members can add add-on coverage for critical illnesses and early critical illnesses, up to S$500,000 each. The total sum assured for riders cannot exceed the sum assured for the term life coverage, and riders for each spouse and child cannot exceed the main public officer’s sum assured. Critical illness rider and early critical illness rider limits apply consistently across the stated age bands.","https://schema.org",{"og:url":32,"og:type":75,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":77,"canonical":32},"index,follow",{"doc_id":79,"site_id":7},565846,1792088577,{"code":4,"msg":82,"data":83},"success",[84,89,94,99,104,109,114,119,124],{"id":85,"doc_module":22,"doc_module_name":25,"category_name":86,"show_sort_weight":87,"slug":88},11,"Presentations",90,"presentations",{"id":90,"doc_module":22,"doc_module_name":25,"category_name":91,"show_sort_weight":92,"slug":93},12,"Resumes",80,"resumes",{"id":95,"doc_module":22,"doc_module_name":25,"category_name":96,"show_sort_weight":97,"slug":98},14,"Invoices",70,"invoices",{"id":100,"doc_module":22,"doc_module_name":25,"category_name":101,"show_sort_weight":102,"slug":103},15,"Posters",60,"posters",{"id":105,"doc_module":22,"doc_module_name":25,"category_name":106,"show_sort_weight":107,"slug":108},16,"Social Media",50,"social-media",{"id":110,"doc_module":22,"doc_module_name":25,"category_name":111,"show_sort_weight":112,"slug":113},17,"Forms",40,"forms",{"id":115,"doc_module":22,"doc_module_name":25,"category_name":116,"show_sort_weight":117,"slug":118},18,"Letters",30,"letters",{"id":120,"doc_module":22,"doc_module_name":25,"category_name":121,"show_sort_weight":122,"slug":123},21,"Paper Templates",5,"papers-templates",{"id":125,"doc_module":22,"doc_module_name":25,"category_name":29,"show_sort_weight":4,"slug":126},158,"general-158",{"code":4,"msg":82,"data":128},{"doc_id":79,"user_id":129,"nickname":42,"user_avatar":11,"doc_module":22,"category_id":125,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":55,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":100,"language":135,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":12,"update_tm":139,"read_time":122},8796093062539,"PUBLIC OFFICERS GROUP INSURANCE SCHEME (POGIS) PRODUCT SUMMARY  \nThe Public Officers Group Insurance Scheme (POGIS) offers affordable and comprehensive term life coverage for death, accidental death, terminal illness, total and permanent disability as well as partial and permanent disability. The coverage is up to 65 years old and can be extended up to 75 years old under the Extended Years Coverage. Optional riders may also be added to include coverage for various stages of critical illnesses.  \nEligible members  \nPublic officers in government ministries, statutory boards or organs of state and their immediate family members are eligible for cover under POGIS.  \nImmediate family members include:  \n• Legal spouse of the insured public officer and  \n• Biological or legally adopted children of the insured public officer  \nPOGIS is not available to full-time SAF servicemen, MINDEF DXOsand Home Team uniformed personnel.  \n\n|  | Minimum entry age | Maximum entry age | Maximum age of coverage |\n| --- | --- | --- | --- |\n| Public officer/spouse | 16 years old | 64 years old | 75 years old^ |\n| Child | 12 months old | 24 years old | 25 years old |\n\nWhen the maximum age of coverage is attained during the policy year, the insurance coverage 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 Member’s cover.  \n^Only applicable if the public officer and their spouse have opted in for the Extended Years Coverage. Otherwise, the maximum age of coverage for the public officer and their spouse is 65 years old.  \nKey features  \n• Comprehensive term life coverage of up to S$1,000,000 for all Insured Members (till 65 years old for the public officer and their spouse, and up to 25 years old for the public officer’s children)  \n• Option to purchase add-on coverage against critical and early critical illnesses, for up to S$500,000 each  \n• Free coverage for children aged 12 months old to 6 years old, if both the public officer and their spouse are insured under POGIS.  \n• Continue term life and critical illness coverage at a reduced sum assured of up to S$500 ,000 even after retirement (coverage from 66 to 75 years old under the Extended Years Coverage)  \n• No Medical check-up and underwriting required for Term Life coverage up to a limit of S$200 ,000.  \n• Portability Option will be offered upon a public officer ’s termination of employment with a ministry, statutory board or organ of state.  \nCoverage amount  \nInsured Members may choose to take up a minimum sum assured ofS$10 ,000 and up to a maximum sum assured as listed in the table below (in multiples of S$10 ,000):  \n\n| Maximum sum assured.(per insured) for | Main applicant/spouse (up to 65 years old) | Main applicant/spouse (from 66 to 75 years old) | Child\u003Cbr>( 1 to 25 years old) |\n| --- | --- | --- | --- |\n| Term life coverage | S$1,000,000 | S$500 ,000 | S$1,000,000 |\n| Critical Illness rider | S$500 ,000 | S$500 ,000 | S$500 ,000 |\n| Early Critical Illness rider | S$500 ,000 | S$500 ,000 | S$500 ,000 |\n\nThe sum assured for each spouse and child cannot exceed the sum assured for the public officer. Each individual ’s total sum assured for riders cannot exceed the sum assured for the term life coverage.  \nSingapore Life Ltd. 5 Straits View, \\#01-18/19, Marina One The Heart, Singapore 018935 Company Reg. No. 196900499K GST Reg. No. MR-8500166-8  \nPUBLIC OFFICERS GROUP INSURANCE SCHEME (POGIS) PRODUCT SUMMARY  \nFree coverage for children  \nA child aged 12 months to 6 years old is eligible for the free child cover, 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.  \nIf both parents are public officers and wis","cbCaijWyzhjdRxaQ","https://ap.wps.com/l/cbCaijWyzhjdRxaQ","pdf",596964,"English","# Eligible members\n# Age limits and policy-year termination\n# Key features and coverage options\n# Coverage amount and sum assured rules\n# Free coverage for children\n# Extended Years Coverage\n# Continuation of dependants’ coverage","[{\"question\":\"Who is eligible for coverage under POGIS?\",\"answer\":\"Eligible members include public officers in government ministries, statutory boards, or organs of state, and their immediate family members. Immediate family includes the insured’s legal spouse and biological or legally adopted children. Full-time SAF servicemen, MINDEF DXOs, and Home Team uniformed personnel are not covered.\"},{\"question\":\"What are the age limits for entry and maximum coverage under POGIS?\",\"answer\":\"Public officer/spouse entry age is from 16 to 64, with maximum age of coverage up to 75. Children can enter from 12 months old up to 24 years old, with maximum coverage up to 25 years old. If the maximum age is reached during a policy year, cover ends at the end of that policy year.\"},{\"question\":\"What optional benefits can be added, and how do rider limits work?\",\"answer\":\"Members can add add-on coverage for critical illnesses and early critical illnesses, up to S$500,000 each. The total sum assured for riders cannot exceed the sum assured for the term life coverage, and riders for each spouse and child cannot exceed the main public officer’s sum assured. Critical illness rider and early critical illness rider limits apply consistently across the stated age bands.\"}]","PUBLIC OFFICERS GROUP INSURANCE SCHEME (POGIS) PRODUCT SUMMARY | PDF",1791859351]