guide to direct-term life insurance claims


If the policyholder dies during the Period of Insurance, we’ll pay the death benefit equal to the Sum Insured stated in the Policy Schedule.

To claim, you’ll need these documents:

  • Copy of Death Certificate
  • Copy of Deceased Attending Doctor’s Statement
  • Copy of Letter of Administration or Probate
  • Copy of Administrator’s/Beneficiary’s NRIC or Passport

What else you’ll need if death is accidental:

  • Detailed Post Mortem Report or Toxicology Report
  • Copy of Police Investigation Report

What else you’ll need if death occurs overseas:

  • Confirmation letter from National Registration of Singapore
  • Copy of Burial Certificate or Cremation Documentation (if death and burial take place outside of Singapore)
  • All relevant documents issued by the Foreign Authority which must be certified by the Singapore Embassy or a Public Notary
Important note
  • The beneficiary or estate administrator must notify us within 90 days from the date of death

If the policyholder dies, we’ll try our best to offer funeral financial assistance to the next-of-kin by taking $5,000 from the Sum Insured (as advance payment) and providing it by the next business day.

The remainder of the Sum Insured will be paid after we have assessed the death claim application.

To claim, the beneficiary or estate administrator will need these documents:

  • Copy of Death Certificate

If the policyholder has been certified by a Medical Practitioner as being completely unable to carry out any occupation during the Period of Insurance before turning 65

To claim, you’ll need these documents:

  • Medical report, investigation reports, laboratory reports, and test results from the attending doctor
  • Police report, if the disability is accident-related
Important note
  • The policy automatically terminates when the Sum Insured is paid
  • The Total and Permanent Disability Benefit ends on the coverage end date, or on the policyholder’s 65th birthday, whichever comes first
  • The disability must have continued uninterrupted for at least six consecutive months
  • You must notify us within 90 days from the date when the Total and Permanent Disability is diagnosed

If the policyholder is diagnosed with a Terminal Illness during the Period of Insurance

To claim, you’ll need these documents:

  • Please complete and sign Section 1 of the Doctor’s Statement before you hand over the form to the clinic/hospital for them to complete the details
  • All reports used in diagnosing and managing the policyholder’s condition, such as biopsy reports, cytology and histopathology reports, X-rays, CT and MRI scans, other imaging studies, laboratory reports, surgical reports, rehabilitation and occupational therapy report, and other relevant reports
Important note
  • The policy automatically terminates when the Sum Insured is paid
  • In recognition of medical advances, we do not consider AIDS to be a terminal illness
  • You must notify us within 90 days from the date when the Terminal Illness is diagnosed

critical illness (supplementary plan)

If the policyholder is diagnosed by a Medical Practitioner as needing Angioplasty and Other Invasive Treatment for Coronary Artery while this Supplementary Plan is valid, we will pay 10% of this policy’s sum insured, subject to a maximum amount of S$25,000.

To claim, you’ll need these documents:

  • Please complete and sign Section 1 of the Doctor’s Statement before you hand over the form to the clinic/hospital for them to complete the details
  • All relevant hospital or operation reports, along with laboratory and test results
Important note
  • All the sections in the Policy including the Supplementary Plan will remain valid after the benefit payment, however the Policy Sum Insured will be reduced after the policyholder gets 10% benefit payout on the diagnosis of the insured event
  • You must notify us within 90 days from the date when the Critical Illness is diagnosed

If the policyholder is diagnosed by a Medical Practitioner as having suffered from a Critical Illness (as defined in the Supplementary Plan) other than “Angioplasty and Other Invasive Treatment for Coronary Artery” while this Supplementary Plan is valid, we will pay the Critical Illness Benefit equal to the Sum Insured stated in the Policy Schedule.

To claim, you’ll need these documents:

  • Please complete and sign Section 1 of the Doctor’s Statement before you hand over the form to the clinic/hospital for them to complete the details
  • All reports, such as biopsy reports, cytology and histopathology reports, X-rays, CT and MRI scans, other reliable imaging techniques, laboratory evidence, surgical reports, and other relevant hospital reports
Important note
  • The Policy and this Supplementary Plan will automatically terminate once the benefit is paid
  • You must notify us within 90 days from the date when the Critical Illness is diagnosed

If the policyholder dies during the Period of Insurance, we’ll pay the death benefit equal to the Sum Insured stated in the Policy Schedule.

To claim, you’ll need these documents:

  • Copy of Death Certificate
  • Copy of Deceased Attending Doctor’s Statement
  • Copy of Letter of Administration or Probate
  • Copy of Administrator’s/Beneficiary’s NRIC or Passport

What else you’ll need if death is accidental:

  • Detailed Post Mortem Report or Toxicology Report
  • Copy of Police Investigation Report

What else you’ll need if death occurs overseas:

  • Confirmation letter from National Registration of Singapore
  • Copy of Burial Certificate or Cremation Documentation (if death and burial take place outside of Singapore)
  • All relevant documents issued by the Foreign Authority which must be certified by the Singapore Embassy or a Public Notary
Important note
  • The beneficiary or estate administrator must notify us within 90 days from the date of death

If the policyholder dies, we’ll try our best to offer funeral financial assistance to the next-of-kin by taking $5,000 from the Sum Insured (as advance payment) and providing it by the next business day.

The remainder of the Sum Insured will be paid after we have assessed the death claim application.

To claim, the beneficiary or estate administrator will need these documents:

  • Copy of Death Certificate

If the policyholder has been certified by a Medical Practitioner as being completely unable to carry out any occupation during the Period of Insurance before turning 65

To claim, you’ll need these documents:

  • Medical report, investigation reports, laboratory reports, and test results from the attending doctor
  • Police report, if the disability is accident-related
Important note
  • The policy automatically terminates when the Sum Insured is paid
  • The Total and Permanent Disability Benefit ends on the coverage end date, or on the policyholder’s 65th birthday, whichever comes first
  • The disability must have continued uninterrupted for at least six consecutive months
  • You must notify us within 90 days from the date when the Total and Permanent Disability is diagnosed

If the policyholder is diagnosed with a Terminal Illness during the Period of Insurance

To claim, you’ll need these documents:

  • Please complete and sign Section 1 of the Doctor’s Statement before you hand over the form to the clinic/hospital for them to complete the details
  • All reports used in diagnosing and managing the policyholder’s condition, such as biopsy reports, cytology and histopathology reports, X-rays, CT and MRI scans, other imaging studies, laboratory reports, surgical reports, rehabilitation and occupational therapy report, and other relevant reports
Important note
  • The policy automatically terminates when the Sum Insured is paid
  • In recognition of medical advances, we do not consider AIDS to be a terminal illness
  • You must notify us within 90 days from the date when the Terminal Illness is diagnosed

critical illness (supplementary plan)

If the policyholder is diagnosed by a Medical Practitioner as needing Angioplasty and Other Invasive Treatment for Coronary Artery while this Supplementary Plan is valid, we will pay 10% of this policy’s sum insured, subject to a maximum amount of S$25,000.

To claim, you’ll need these documents:

  • Please complete and sign Section 1 of the Doctor’s Statement before you hand over the form to the clinic/hospital for them to complete the details
  • All relevant hospital or operation reports, along with laboratory and test results
Important note
  • All the sections in the Policy including the Supplementary Plan will remain valid after the benefit payment, however the Policy Sum Insured will be reduced after the policyholder gets 10% benefit payout on the diagnosis of the insured event
  • You must notify us within 90 days from the date when the Critical Illness is diagnosed

If the policyholder is diagnosed by a Medical Practitioner as having suffered from a Critical Illness (as defined in the Supplementary Plan) other than “Angioplasty and Other Invasive Treatment for Coronary Artery” while this Supplementary Plan is valid, we will pay the Critical Illness Benefit equal to the Sum Insured stated in the Policy Schedule.

To claim, you’ll need these documents:

  • Please complete and sign Section 1 of the Doctor’s Statement before you hand over the form to the clinic/hospital for them to complete the details
  • All reports, such as biopsy reports, cytology and histopathology reports, X-rays, CT and MRI scans, other reliable imaging techniques, laboratory evidence, surgical reports, and other relevant hospital reports
Important note
  • The Policy and this Supplementary Plan will automatically terminate once the benefit is paid
  • You must notify us within 90 days from the date when the Critical Illness is diagnosed


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life claim faq’s