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Singlife with Aviva Travel Insurance Review: Covid-19 Cover, SAF MINDEF Promotion

The name “Aviva” rings a bell in the minds of all Singaporean men, since they provide you with life insurance when you’re doing National Service.

Your NS or reservist days might be behind you, but you still need to rely on Aviva if you decide to purchase their Singlife with Aviva travel insurance when you go on overseas holidays.

Despite the fact that Aviva already makes loads of money from MINDEF, Singlife with Aviva Travel Insurance is actually a well thought-out product that offers good value for money.

Let’s have a look at how the plan measures up.

• Singlife with Aviva Travel Insurance: Summary
• Singlife with Aviva Travel Insurance
• Singlife with Aviva Travel Insurance Covid Cover
• Singlife with Aviva Travel Insurance Extreme Sports
• Singlife with Aviva vs AIA Travel Insurance
• Singlife with Aviva Travel Insurance Promotion
• Singlife with Aviva Travel Insurance Claim Review
• Should I buy Singlife with Aviva Travel Insurance?

1. Singlife with Aviva Travel Insurance Summary

Singlife with Aviva travel insurance comes in three iterations:

• Travel Lite – Up to $250,000 of overseas medical expenses
• Travel Plus – Up to $2,000,000 of overseas medical expenses
• Travel Prestige – Unlimited overseas medical expenses

You can also buy single-trip insurance for trips of up to 182 days or annual multi-trip insurance for unlimited trips within a year of up to 90 days per trip.

2. Singlife with Aviva Travel Insurance: Coverage

As mentioned previously, Singlife with Aviva travel insurance comes in three tiers—Travel Lite, Travel Plus and Travel Prestige.

Here’s a summary of the plans’ key benefits and coverage.

At a glance, the medical and travel benefits are quite generous compared to what’s being offered by competitors like AXA and DBS , particularly because the higher tier gets you unlimited medical expense claims.

Our main gripe is that you have to purchase an add-on to get coverage for outdoor/adventure activities. But if the riskiest thing you plan to do is to binge on local cuisine, you should be fine.

3. Singlife with Aviva Travel Insurance Covid Coverage

The Singlife with Aviva Travel Insurance policy comes with Covid-19 cover, as well it should, because almost all insurers now offer it.

Here are the details:

As far as Covid-19 benefits go, these are pretty decent.

First of all, they’re automatically included and do not need to be added on like with some plans, notably FWD’s travel insurance . Second, the claim amounts are decent, although they are not as generous as those given by some premium plans like MSIG’s .

Total Premium

FWD Business

[GIVEAWAY | MoneySmart Exclusive]    • Enjoy up to 25% off your policy premium. • Get S$30 Revolut cash reward and Eskimo Global 1GB eSIM with every policy purchased. T&Cs apply .    Over S$5,900 worth of Apple Gadgets and gifts to be scored on top of existing rewards: • Apple iPhone 15 Pro, 128GB (worth S$1,664.25) and more! T&Cs apply. • S$100 Revolut cash reward  when you are the  8th and 88th person  to sign up for a Revolut Account each week.  T&Cs apply .

Key Features

Enjoy cashless medical outpatient treatment in Singapore, access to emergency assistance and your travel policy documents through the FWD SG app!

Add on coverage for COVID-19 available for both Single & Annual Trips for travel period of 90 days or less.

Optional add on coverage available when your trip is cancelled for any reason for Single Trips. (To be purchased within 7 days of your initial trip deposit for your trip).

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$100,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

4. Singlife with Aviva Travel Insurance Extreme Sports

Bad news, adrenaline junkies. The basic plans exclude anything classified as a dangerous sport or leisure activity.

Here’s whether you’ll be covered for various outdoor activities:

Going to Turkey for a hot air balloon ride or to New Zealand for a scenic helicopter ride? You’re in the clear and will be covered.

However, if you want to ski, scuba dive or jet ski, you’ll have to purchase an optional add-on for winter or water sports.

5. Singlife with Aviva vs AIA Travel Insurance

Let’s compare the Singlife with Aviva Travel Insurance plan with AIA Around the World Plus (II), one of their key competitors.

Comparing the main benefits of Singlife with Aviva and AIA’s plans, it looks like Singlife with Aviva’s offers better value for money!

The cheapest plan from Singlife with Aviva is cheaper than AIA’s but offers similar basic benefits.

6. Singlife with Aviva Travel Insurance Promotion

All MINDEF, MHA and POGIS policyholders (as well as their family members) get 43% off Singlife with Aviva travel insurance.

What’s more, until 31 August 2022, you can shave 18% off the price of single trip travel insurance purchases with promo code TRAVEL18.

By the way, the MINDEF discount applies to immediate family members (parents, siblings, wives, kids) too. So, if your dad or brother or husband is a policyholder, you can get them to buy travel insurance for you…

If you want to find out more about Aviva’s voluntary insurance for NSmen , we’ve written about it here. It’s actually a very, very good deal.

7. Singlife with Aviva Travel Insurance Claim Review

The Singlife with Aviva plan was only launched this year, so there isn’t much information from pleased/peeved customers on the claims process.

But there have been some murmurings on the internet that the claims process takes a long while to complete.

Singlife with Aviva Travel Insurance Emergency Hotline: +65 6460 9391 (24 hour)

Singlife with Aviva Travel Insurance Online Claims : Submit  here

Singlife with Aviva Travel Insurance  Claims: If you need to mail the original supporting documents (write down your policy number) to Singlife with Aviva, this is the mailing address:

Singlife Travel Insurance Claims Singapore Life Ltd. 4 Shenton Way #01-01 SGX Centre 2 Singapore 068807

Singlife with Aviva Travel Insurance  Claims Due Date: Claims must be made within 7 days of the event or incident. Notice the rather short time frame – the industry standard is 30 days. This is not one for procrastinators!

Singlife with Aviva Travel Insurance  Claims Settlement Time: Singlife with Aviva will acknowledge your claim via email or phone call within 2 working days. If they need further clarification they will follow up within 7 working days. You can also call Singlife with Aviva’s customer service hotline at +65 6827 9933 to follow up.

8. Should I buy Singlife with Aviva Travel Insurance?

Overall, the Singlife with Aviva Travel Insurance Policy is a pretty solid one that offers good value for money.

Its main flaw is that it does not offer coverage for most extreme sports or outdoor activities, so you’ll have to purchase an add-on for that ski or dive trip.

So, if you’re a thrill-seeker, look elsewhere!

Still shopping for travel insurance ? Compare all the best travel insurance plans in Singapore here.

Related Articles

Travel Insurance Singapore Guide (2024): Must-Knows for Choosing the Best Travel Insurance

Airline Travel Insurance – What does SIA, Scoot, Jetstar travel insurance cover?

Best Travel Insurance Plans in Singapore [content outdated due to Covid]

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Which travel insurance policies cover miles and points bookings?

While most travel insurance policies explicitly exclude miles and points bookings, there are a few which offer coverage.

Those of us who collect miles and points will know that they’re as valuable as cash. Even if you’re not explicitly paying for them (e.g. buying miles or hotel points from the loyalty programmes themselves, or via services like CardUp / Citi PayAll ), there’s always an implicit cost involved in earning them (in the sense that you could have swiped a cashback card instead).

The problem is, travel insurers rarely see things the same way. In fact, the vast majority of policies explicitly exclude frequent flyer miles or points.

This means that if a medical or family emergency prevents you from taking your trip, you won’t be able to get a refund of your flight and hotel expenses if they’ve been redeemed with miles and points!

To guard against this, it’s highly advisable that you purchase a travel insurance policy with coverage for miles and points, and we’ll look at the options in Singapore. 

Aren’t miles and points bookings refundable?

Miles and points bookings are generally refundable, but there can be situations where you may not be able to get your miles or points back. 

It depends on the loyalty programme, as well as when the cancellation is made. 

Singapore Airlines KrisFlyer

KrisFlyer’s policies are actually quite lenient. You can cancel your flight anytime up till the scheduled departure time and pay a US$75 (Saver) or US$50 (Advantage) fee per passenger to get all your miles and taxes refunded.

Even if you fail to show up for your flight altogether, you can still get a refund of your miles, subject to paying a no-show fee on top of the refund fee. 

However, if you book a Spontaneous Escapes ticket, the rules are different. Spontaneous Escapes awards are strictly non-changeable and non-refundable, so if you can’t fly, you lose your miles. I have heard of anecdotal exceptions, but since that’s the official policy, you shouldn’t go in expecting the same to be granted to you.

Most FFPs allow you to cancel and get a full refund of your miles so long as you do it before the flight departs, but some (e.g. British Airways and Etihad) have stricter policies.

Here’s a summary of the more popular programmes in Singapore:

With hotel loyalty programmes, the cancellation window will vary depending on property. In some cases, it may be 24 hours before arrival, in the case of popular resorts like the Maldives, it may be as much as three months or more.

Cancelling outside this window results in a penalty that is usually charged in cash, not points. With Hilton Honors, Marriott Bonvoy and World of Hyatt, you’ll receive a full refund of your points, but you will need to pay at least the first night’s cash rate, if not more. 

Which travel insurance policies cover miles and points?

The way I see it, there’s two main scenarios where your airline/hotel cancellation may fall outside the cancellation window.

• Trip Cancellation: When a covered event causes you to have to cancel your trip before it begins (e.g. falling sick the day of departure)
• Trip Curtailment: When a covered event causes you to have to abandon your original trip and return home (e.g. death of a family member mid-way through your trip)

Before we talk about specific policies, here’s a few general pointers to note. 

First, compensation can only be claimed if your miles/points are not recoverable . If it’s possible to pay a cancellation fee and get your miles/points back (e.g. Saver or Advantage awards on KrisFlyer), you cannot make a claim for the miles/points under your travel insurance policy (though you may be able to claim the cancellation fee).

Second, your trip must have been cancelled/disrupted for a covered reason . Changing your mind is not valid grounds for a claim, unless you purchase Singlife’s travel insurance policy and make a claim under the “cancel for any reason” clause (which pays you 50% of the expenses incurred, capped at S$5,000 and once per period of insurance).

Third, the general approach that insurers take when valuing miles and points is to look at the  retail value  of the flight ticket or hotel booking. That actually works out in your favour- I’d rather be reimbursed for the cash value of a Business Class ticket than at 1-2 cents per mile! 

Fourth, even though cancellation policies are stated in black and white on most airline/hotel websites, most insurers will still require you to contact the loyalty programme and get  written confirmation that your miles/points cannot be refunded. I imagine they do this to minimise their own liability, in the off chance that the loyalty programme decides to grant a one-off exception due to extenuating circumstances.

Miles and points coverage is not a common feature among travel insurance policies in Singapore, but I’ve managed to find several which do.

AMEX My Travel Insurance

AMEX My Travel Insurance, underwritten by Chubb, provides up to S$20,000 of coverage for forfeited loyalty points and miles. 

There’s currently an ongoing promotion that offers additional gifts for those who purchase at least a Standard plan, ranging from extra eCapitaVouchers to an Accor Plus Explorer membership. 

In addition to this, American Express cardholders who purchase their plans (whether single-trip or annual) via my referral link will enjoy an extra S$15 eCapitaVoucher.

For avoidance of doubt, you’ll receive one welcome gift and one referral gift per policy purchased , so for example, someone who buys 2x single-trip Superior plans will get 2x S$40 eCapitaVoucher + 2x S$15 eCapitaVoucher .

DBS TravellerShield Plus

DBS TravellerShield Plus was recently refreshed to provide up to S$7,500 of coverage for the loss of frequent flyer miles and points. Do note that the cap here is per individual; if you purchase the family plan, the coverage goes up to S$22,500.

DirectAsia TripSaviour

Citibank sells a policy underwritten by DirectAsia called TripSaviour, which provides coverage for frequent flyer points of up to S$25,000 for the annual Platinum plan. The coverage can be as high as S$62,500 on a family basis, making this one of the highest coverage plans.

The Platinum tier also has a “cancel for any reason” clause that allow you to recoup 50% of the non-recoverable expenses, capped at S$5,000 (individual) or S$12,500 (family). This is claimable once per period of insurance. In other words, if you’ve booked a trip with miles and points but decide not to travel, and the reason is not a covered reason, you can invoke this clause and get reimbursed for any non-recoverable miles and points.

Singlife Travel Insurance

Singlife works a little differently. The policy covers the loss of frequent flyer miles and points for the Plus and Prestige tiers, but doesn’t state an explicit value.

Instead, you need to read that section in conjunction with the sections on trip cancellation, in which case the coverage is up to S$20,000,  or trip interruption in which case the coverage is up to S$15,000.

Also note that the Plus and Prestige tiers have a “cancel for any reason” clause that allow you to recoup 50% of the non-recoverable expenses, capped at S$5,000 (Plus) or S$7,500 (Prestige). This is claimable once per period of insurance. In other words, if you’ve booked a trip with miles and points but decide not to travel, and the reason is not a covered reason, you can invoke this clause and get reimbursed for any non-recoverable miles and points.

Applications via SingSaver currently earn you an extra 4 miles per S$1, regardless of which card you pay with. Extra discounts can be enjoyed if you’re an existing MINDEF/MHA/POGIS policyholder; you’ll be prompted for this during the application process.

Klook Protect

Klook Protect, underwritten by Zurich Insurance, is similar to Singlife in that it doesn’t state an explicit amount for loss of frequent flyer miles and points. Instead, you should refer to the sections on travel cancellation, where coverage is up to S$7,500.

Other policies

There are a few other policies on the market which cover the loss of miles and points, but their coverage amounts are so insubstantial I don’t think it’s worth the effort to list them out in detail.

If you plan to pay for your holiday with miles and points, you should absolutely get a travel insurance policy which covers them, just in case. 

I’m quite curious to know how travel insurers actually value miles and points, so if you have any experiences with claims, do share them.

Do you know of any other travel insurance policies with miles and points coverage?

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Kris+ weekly miles giveaway: buy tickets, win miles, dragonpass adds 7 new restaurants at singapore changi airport, 45 comments.

That’s very informative.. I would have missed that coverage out if I did not see your article. Thanks

I second @Leo… Another fantastic topic to cover, Aaron! ??

It certainly made me dig up my AIG Policy wordings right away as I didn’t think of it either… Chubb’s (your example) wording are more favorable for the policy holder, but AIG’s does cover too (a good thing!)… but with AIG, I find the wording a bit not-so-clear… I’ll email a screenshot to you… can you be a champ and see if you can figure out what it mean, in the few scenarios you came up with?

Thanks in advance!

when i researched this post AIG, Aviva and Chubb were the only 3 policies that covered miles and points. let me know if you see anything else.

I hold Sompo travel insurance and all its plan categories cover miles and points. The exact wording is as below: Frequent Flyer Points: We will pay for loss of frequent flyer or similar travel points used by the Insured Person as a registered member to purchase an airline ticket following the Trip Cancellation or Postponement if the Insured Person is unable to recover the lost points from any other source. The payment for lost points will be calculated based on the following, whichever is the lower: 1. Cost of an equivalent class airline tickets based on the quoted retail price …  Read more »

Thanks for that, my insurance broker specifically recommended Sompo as well

I used to get Chubb for its higher coverage, then switched over to Sompo as it was generally cheaper with the promotions. However, I just did a comparison between Sompo and Chubb for an upcoming trip to Japan and found Chubb is slightly cheaper. Probably wise to check the price difference before buying – just my 1 cent worth of opinion 🙂

Annoyingly, Sompo doesn’t offer annual travel insurance when I was shopping around for one

So it seems lately that Chubb no longer covers miles and points. Not sure if you would be making an update to this blog post, but if you do, then it might be worth noting

Thanks for the heads up, Eugene!

I bought my Chubb insurance on 15 Feb and the wording policy still covers Loss of Frequent Flyer points. Is this a recent change?

@M.. Mine, from last Apr, is still ‘in force’ .. but had renewed ‘in advance’ for the laggauge giveaway.. but will not not go ahead with it..

From a quick check, Just Sompo and Aviva still cover award redemptions, with wording and benefits slightly different.. I’ll look into both and then decide..

I looked at AIG and they (as of today’s wordings) still exclude miles..

Quite sad.. but oh well…

quick question: where are you seeing this? i’m seeing them as still covered on the site

https://www.chubbtravelinsurance.com.sg/aceStatic/Doc/SG/Cti/PolicyWording.pdf https://amex.chubbtravelinsurance.com.sg/aceStatic/ACETravel/AMEXSGR/files/PolicyWording.pdf

https://www.chubbtravelinsurance.com.sg/aceStatic/Doc/SG/Cti/PolicyWording.pdf

Hey Aaron..

First link.. the greenish document..

Page 23 of 40.. What’s not covered.. Point #4..

ah, i see. it’s under lifestyle cover. but in any case i was talking about amex chubb travel insurance, not chubb per se. amex chubb still covers right?

Hmmm….. now THAT’S interesting… and gosh, I don’t know… odd tho, no..? that Chubb would word the two differently? Now I’m confused.. 😰

Was out and about earlier… Now that I’ve looked at both a bit more, it certainly looks like Chubb has two different products instead of what I though was ‘one-product-replacing-another’… It certainly looks like the Travel Insurance product that is marketed by Amex is as per what you were referring to in this post, and the one I’ve got.. 😊

So Aaron and team – you are getting closer on the travel insurance topic but I have yet to see you doing a comprehensive comparison of travel insurance that are either part of the credit card or independent 3 party options and it is thoroughly needed for us here in SG

Gosh you’re an idiot.. do you seriously believe you walk on water and the world owes you something?

Whau – did not think people would write like that on this forum.

“A little jab” is something between you and a friend.. maybe even you amongst other friends… I assume you have these… but not on a public forum where people are (mostly) sincerely trying to help… for the greater good… your “little jab” was like crispy chicken rendang.. and not just by me.. or are you also so thick you don’t see it… own it.. for being an idiot.. then move on..

Sune, your sense of entitlement is overwhelmingly astonishing. 🙂

Thank you, Aaron and team. You guys are doing an excellent job!

Sune, perhaps you can do up the comprehensive comparison that is thoroughly needed and then Aaron and team can comment on your work. Afterall, didn’t he start the community pages for people that have valuable insights to share but don’t have the ability to commit to be a regular writer?

actually, I did do something on this once upon a time but it’s quite outdated. https://milelion.com/2016/01/10/credit-card-travel-insurance-compared/ the problem with articles like this is that there are many different facets to compare and very subtle differences. eg one provider may cover $1,000 per 6 hours for a delayed flight, but define delay as >6 hours. another may cover $500 per 4 hours, but define delay as >4 hours. there’s no real standardized metric for some of these which makes a nice snappy comparison table difficult to put together. others may have different definitions of key terms. how do you factor that …  Read more »

Hi Aaron Thank you for reposting this one. Seems my little jab above got a lot of people rubbed the wrong way though which was unintended as you and the team always keep a joking tone and I had jabbed you a while back on same topic incl for suggested item for the big event you had recently. But water under the bridge and so on. This link is good in shedding light on the conondrum that getting right insurance and right coverage is not easy and that programs offered by credit cards are eye wash at best and guess …  Read more »

Hi, if i don’t have any of the above AMEX cards, then which card should I use for the purchase. If I recall correctly, a number of banks have explicit excluded insurance as an eligible transaction. I have DBSWWC (max out), UOB PPV, CITI Rewards, CITI Premiermiles etc. Please advise.

Ok, i got the answer to my own question, so i thought i will share. Can’t charge insurance to DBS/UOB cards – won’t get a single mile. Only way is to charge to Citibank where you will get 1.2miles/dollar or HSBC revolution card at 2 miles/dollar. Please correct me if I am wrong. I learn it the hard way. sigh!!

Hey Aaron thanks for doing this — I hadn’t realised that most policies don’t cover the loss of miles! On a related topic, if you have the time and inclination to do so, could you also research and write an article on coverage for missing connections on separate tickets? So far I’ve found only World Nomads would cover missed flights under separate PNRs, but there’s a hefty US$100 deductible.

Nice topic to post about. As with most policies in Singapore, does the insurance issued only cover bookings originating in Singapore? Will the insurance apply if I book a one-way return award and I encounter any of the covered conditions?

I have checked and confirmed with my agent that with AIG, the maximum they would compensate, if miles-redemption tickets, would be $500.. ?

So guess who’s going to drop AIG and will sign up Chubb??

Thanks, Aaron!! ??

When there’s a delay and the airline gives us a voucher for accommodation, can one still claim for the delay? Another point is that when they divert because of weather and one misses the connecting flight, they don’t give out written statements – so how does one prove the delay/missed connection? I was caught at Atlanta once and all the flights to SFO had left. We were all told to use the banks of phones they had set up and the staff on hand were surly and not helpful – as far as the airline was concerned it was a …  Read more »

Technically speaking, your insurance policy is suppose to cover you “in event..” and regardless of what said airline does/acts to compensate/mitigate the event… so you should be able to successfully claim, should you be able to prove “the event”… The one that I still don’t get.. given the number of nasty incidents in the past… is that airlines do not prepare better for “when the s**t hits the fan”.. I would imagine that this would not be too difficult to do/train/role-play..? I mean, it’s happened countless number of times, right? Videos are all over social media all over the world, …  Read more »

I can’t thank Aaron enough for the write up… Fortunately, I didn’t wind up holding on the the short end of a stick, but that’s what Insurance policies are for, right? and “the bad” could very well have happened and it could happen in the future… well… thanks for Aaron, it won’t be happening to me! ? Just to show that it could well have happened just last month, I made a trip to NZ on redemption SQ F with my elderly mum… and being elderly, of course, at any time, her health could’ve taken a turn for the less-than-good …  Read more »

[…] A reminder that tickets issued under the Spontaneous Escapes promotion are non-changeable and cannot be cancelled as well. This is unlike regular award tickets which at least allow you to refund your booking for a fee. Thus, your travel plans have to be very firm before taking advantage of this promotion (or you should buy a travel insurance policy that covers miles and points bookings). […]

[…] A reminder that tickets issued under the Spontaneous Escapes promotion are non-changeable and cannot be canceled as well. This is unlike regular award tickets which at least allow you to refund your booking and miles for a fee. Thus, your travel plans have to be very firm before taking advantage of this promotion (or you should buy a travel insurance policy that covers miles and points bookings). […]

Will you be reviewing the current complimentary travel insurance by AMEX Platinum card in current times?

Does Amex Platinum card insurance cover this?

What card to use for travel insurance?

Sompo was reviewed in the 2018 review but omitted in this review. Have they stopped providing cover for air miles?

https://milelion.com/2018/10/12/3-travel-insurance-options-that-cover-airline-miles-and-points/

Looks like it’s no longer covered. https://www.sompo.com.sg/docs/default-source/products-downloads/products/travelcovid19/travelcovid19.pdf

Chubb no longer covers $20k max for miles and points.. I think now just $500 max.. cheeky buggers!

Amex Chubb is still covering for upto $20k for miles and points – clearly stated in the policy document.

My first priority with Travel Insurance is how difficult it is get the payout, whether they make you go through the loop or actually will pay. Also the terms and conditions. Some insurance give out a lot of rewards but the T&C screw you. So make sure you read the fine print.

Chubb is one of those companies that make life very very difficult. They are famous of making headlines refusing to pay. Avoid this company.

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Direct - Singlife Whole Life

An attractively affordable life insurance plan that gives you up to S$200,000 coverage – and you can purchase it all on your own

Take charge of your protection needs

With DIRECT – Singlife Whole Life , you get value-for-money protection.  It covers you for up to S$200,000 if you die, become terminally ill or suffer from total and permanent disability 1 and you can purchase it all on your own. It’s that straightforward!

Pick your coverage amount

Get what you need. Choose from as low as S$50,000 to S$200,000 2 sum assured. 

Pick your protection period

Covers death and Terminal Illness for your whole life; and Total and Permanent Disability up to age 65 .

Potential bonuses

You enjoy protection while your plan accumulates cash value and potential bonuses 4 .

Suit your budgeting needs

You can choose to pay premiums  till age 70 or 85 .

Level premiums

Premiums stay the same throughout the premium payment period, starting from  S$4.13/day 6 for S$200,000 sum assured.

Critical illness cover

This optional rider 7  gives a lump-sum payout if you're diagnosed with any of the 30 covered critical illnesses 8 . Coverage is for life .

Click  here  to learn more about what is Direct Purchase Insurance (DPI) and how it works.

How to purchase this plan

As long as you reside in Singapore 9 and you're aged 19 to 65 10 , you can apply for coverage.   Understand the plan, eligibility criteria and other important details 11 before you apply.

Choose a Direct Purchase Insurance plan based on your needs. Call or email our Customer Service Executives for premium rates and other details.

• Tel: 6827 9933 (8.45am to 5.30pm, Mondays to Fridays, excluding public holidays)
• Email: [email protected]

Complete the required forms found at singlife.com/direct-application.

Visit our Customer Service Centre to submit your completed forms and necessary documents:

4 Shenton Way

#01-01 SGX Centre 2

Singapore 068807

Important Notes

All ages mentioned refer to age next birthday.

• Terminal Illness Benefit and Total and Permanent Disability Benefit are early payouts of the Death Benefit. Please refer to the Product Summary for more details.
• Direct Purchase Insurance (DPI) coverage limit per person per insurer: Maximum Sum Assured of S$400,000 for DPI term life coverage, inclusive of a maximum Sum Assured of S$200,000 for DPI whole life coverage.
• Upon renewal of a 5-year renewable term policy, the Life Assured will be insured for the same Sum Assured as before the renewal date and for the same policy term. Premiums will be adjusted based on the age of the Life Assured at renewal and a notice will be mailed to notify you of the new premium payable. The maximum age to renew DIRECT – Singlife Term Life is 80, and the coverage will be up to age 85. The renewal is also applicable to DIRECT – Singlife Critical Illness (Term Life), if attached to the basic policy at inception. The renewal of the basic policy and rider is subject to the policy terms and conditions. Please refer to the Product Summary for more details.
• Potential bonuses are made up of Reversionary Bonus and Terminal Bonus. The Reversionary Bonus and Terminal Bonus are non-guaranteed and depend on the performance of Singapore Life Ltd.’s Participating Fund. The Reversionary Bonus will form part of the guaranteed benefit of the policy once it is declared and vested. Please refer to the Product Summary for more details.
• The premium of S$0.32 per day is for illustration purposes and is based on the following criteria – female, age 19, non-smoker who chooses a 5-year renewable DIRECT – Singlife Term Life coverage, with Sum Assured of S$400,000 and pays premiums on an annual basis. The daily premium is derived using the annual premium amount divided by 365 days, rounded up to the nearest cent.
• The premium of S$4.13 per day is for illustration purposes and is based on the following criteria – female, age 19, non-smoker who chooses DIRECT – Singlife Whole Life, with Sum Assured of S$200,000 and pays premiums on an annual basis till age 85. The daily premium is derived using the annual premium amount divided by 365 days, rounded up to the nearest cent.
• The premium rate for the rider is non-guaranteed and may be adjusted based on future claims experience.
• The Critical Illness Benefit covered in the optional rider accelerates the Death Benefit of the policy to which it is attached. For more details on the benefit, including the list of critical illnesses covered, the waiting period and the exclusions, please refer to the Product Summary of the rider.
• The eligibility criteria is subject to terms and conditions.
• Depending on the coverage period or premium payment period. Please refer to the Product Summary for more details.
• Before you choose a plan, please read the needs and affordability assessment guide. For product information and Insurance Guides, please refer to  Product Summary , Your Guide To Life Insurance , Your Guide To Health Information , Direct Purchase Insurance Fact Sheet and Checklist , Frequently Asked Questions , Terms and Conditions, Infographic “Moratorium on Genetic Testing and Insurance” . 

Singlife Direct Purchase Insurance Chinese Brochure

PDF (287.4 KB)

Disclaimers

These policies are underwritten by Singapore Life Ltd.

This is for general information only and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. Product Summaries for Direct Purchase Insurance (DPI) may be obtained from Singapore Life Ltd. and at singlife.com. As DPIs are sold without financial advice, you should make sure you have carefully assessed your insurance needs as well as whether you can afford the premiums for the duration of the policy. You should also read the Product Summary, Policy Illustration, DPI Fact Sheet and Checklist, and all related information available on singlife.com to understand the features of the product and assess whether the product you have chosen is appropriate to your financial needs and insurance objectives. If you are unsure if DPI is suitable for you, you may wish to seek advice from a Financial Adviser Representative who may be able to advise you on a suitable product.

As buying a life insurance product, including a DPI Whole Life, is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. As the DPI Term Life 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 policy contracts. Information is accurate as of August 2022.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

The 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 ).

I’m Interested

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If you’d like to speak to someone, you can call Singlife Financial Advisers at  6827 9980  (Mon – Fri, 9am to 6pm). 

By clicking "Yes, I understand", you consent to Singapore Life Ltd. ("Singlife") and Singlife related group of companies contacting you for the processing of the above request. You also consent to Singlife collecting, using, disclosing or transferring your personal data in this form to Singlife related companies, third party providers or intermediaries, whether located in Singapore or elsewhere, for the above purposes and for research, audit, regulatory and compliance purposes. For details of Singlife's Data Protection Notice, please refer to www.singlife.com/pdpa

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