POSB Health For Life

Tips to help you prepare Go for regular medical checkups Take a closer look at your current financial status Look for a healthcare plan that suits your needs

Health is an important part of our lives. However, many Singaporeans do not have adequate healthcare coverage to protect themselves. Which is why POSB has a range of affordable and comprehensive healthcare plans to suit your needs.

Relax, help is here.
Ease your worries and anxieties about the uncertainties of life with healthcare plans such as:

• Medisave-approved integrated medical expenses insurance plan that can be purchased using CPF Medisave⁶
• Guaranteed issuance⁷ with moratorium underwriting which allows you to enjoy the coverage even for pre-existing health conditions⁸
• Free coverage for children⁹ up to 20 years of age (at next birthday)

• Extra coverage for as little as 10 cents¹⁰ a day
• 100% coverage of co-insurance
• Provides lump sum benefit of S$10,000 upon first diagnosis of any one of the 30 covered critical illnesses¹¹
• Pays you daily hospital benefit¹² in the event that you are hospitalised
• Extends the above benefits to your child/children for free¹³, when you and your spouse are covered under Plan 1 or 2

• Medisave-approved long-term care plan that can be purchased using CPF Medisave¹⁴
• Provides lifetime protection against severe disability¹, which renders the Life Assured incapable of performing 3 out of 6 Activities of Daily Living
• Pays monthly rehabilitation benefit¹⁵ while the Life Assured is recovering from the severe disability¹
• Choice to enjoy lifetime cover¹⁶ with limited premium payment term¹⁷

Now you can be prepared should the unforeseen happen.
Come, talk to us at any POSB branch now. Alternatively, fill in the contact me form and we will contact you shortly.

1. Severe disability or severely disabled shall mean the inability to perform at least 3 of the 6 Activities of Daily Living - transferring, mobility, toileting, washing, dressing, and feeding. For detailed definition, please refer to the policy contract.
2. Based on basic ElderShield benefit payout of S$400 per month for 6 years.
3. Based on MyCare benefit payout of S$400 per month for first 6 years, and S$800 per month for next 6 years.
4. Source: MOH website
5. Source: Singapore Cancer Registry, Interim Report (Trends in Cancer Incidence in Singapore 2002-2006)
6. Your Medisave Account can be used to pay for your MyShield premiums, subject to a withdrawal limit of up to S$800 per person per year (for insured persons below 81 years old at age next birthday) or S$1,150 per person per year (for insured persons 81 years old and above at age next birthday).
7. Based on Moratorium Underwriting and provided applicant is not of occupation class 4 and has not been declined/deferred for other insurance applications. Subject to terms & conditions of the policy.
8. Provided pre-existing health condition is not one of the excluded health conditions under the policy and they have not (for a continuous period of five years since the policy inception or date of reinstatement, whichever is later): experienced symptoms, sought advice or tests from a physician, specialist, or alternative medicine provider (including checkups for pre-existing condition), or required or received treatment or medication.
9. Free coverage for children is provided based on Plan 2 of MyShield subject to underwriting. Under the free coverage for children, 5 specific critical illnesses will be covered, namely Major Cancer, Major Organ/Bone Marrow Transplantation, Major Burns, Major Head Trauma and Kidney Failure.
10. Based on lowest premium of S$26.49 per year.
11. Coverage on critical illnesses is up to age 65 years old.
12. Applicable if the insured person opts to stay in a hospital/ward lower than what he/she is entitled to under his/her chosen plan and the claim is payable under MyShield (other than MediShield). Hospital cash benefit will not be payable for day surgery or if there is no hospital stay involved.
13. Free coverage for children (up to 20 years of age next birthday) is provided based on Plan 2 of MyShield subject to underwriting. Under the free coverage for children, 5 specific critical illnesses will be covered, namely Major Cancer, Major Organ/Bone Marrow Transplantation, Major Burns, Major Head Trauma and Kidney Failure.
14. Your Medisave account can be used to pay for your MyCare premiums, subject to a withdrawal limit of up to S$600 per person per year
15. The rehabilitation benefit will be payable following a severe disability claim for the same benefit payout duration as the severe disability benefit and provided the Life Assured is still unable to perform 2 out of the 6 Activities of Daily Living.
16. If you opt for the lifetime benefit option, alternatively, you may choose to take up MyCare with a 12-year benefit payout term.
17. If you opt for the limited premium term option, this is subject to a minimum premium payment term of 20 years. Alternatively, you may choose to take up MyCare with ongoing premiums.

The insurance plans are underwritten by Aviva Ltd. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. You should seek advice from a qualified adviser if in doubt.

This is not a contract of insurance. The precise terms and conditions of these plans are provided in the relevant policy contract. The published information is intended for general circulation only and does not have any regard to any specific investment objectives, financial situation or particular needs of any specific person.