Public Officers Group Insurance Scheme

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What is POGIS?

When you work in public service, you dedicate your life to serving the nation. As you continuously strive to make an impact on other lives, it's important to know that your needs and that of your loved ones are well taken care.

That's where the Public Officers Group Insurance Scheme (POGIS) comes in — a life protection plan exclusively for public officers, so you can care for your family while stretching your dollar.

High term life coverage

Up to S$500,000 for you, your spouse1, and your children2.

Lump-sum payout

In the event of death, total and permanent disability, or upon diagnosis of terminal illness3.

Free coverage for your children

From 12 months to 6 years old, if both parents are insured under POGIS4.

What's covered under POGIS?

Enjoy worldwide coverage till you're 75 years old5, whether you're in Singapore or overseas. Our group term life insurance is designed to protect you and your loved ones, from as low as 41 cents per month6.

  • High coverage amount
    Up to S$500,000 for you and your spouse till 65 or 75 years old1, as well as your children till 18 years old2.
  • Protection for a variety of scenarios
    Pays in the event of death, partial and permanent disability7, total and permanent disability (TPD), or upon diagnosis of terminal illness3.
  • Additional payout for accidental death
    Lump sum of 25% of your coverage amount.
  • Additional monthly payout for TPD
    1% of the coverage amount for 24 months8, on top of a lump-sum payout.
  • Option to enhance your coverage with critical illness add-ons
    Worry less about the cost burden of critical illness with our riders.
  • Free coverage for your children
    From 12 months to 6 years old, if both parents are insured under POGIS4.
  • Continue being covered even after you retire
    With the Extended Years Coverage5 benefit, you can continue to be insured for up to S$300,000 till age 75, even after you retire.


Add-ons for extra protection

Need enhanced coverage? Consider adding these critical illness add-ons when you purchase POGIS.

Critical Illness rider

Protection against 37 critical illnesses.

List of 37 Critical Illness

Early Critical Illness rider

Protection against 10 early critical illnesses.

List of 10 Early Critical Illness

Are you eligible for POGIS?

Working in government ministries, statutory boards or organs of state? You're eligible for this affordable coverage.

As long as you're an officer in one of Singapore's public service agencies:

  • Government ministries
  • Statutory boards
  • Organs of state

If you qualify, so do your spouse1 and children2!

The following uniformed personnel are not eligible:

  • Full-time SAF servicemen including Defence Executive Officer (DXO);
  • Police; and
  • SCDF personnel.

You may refer to the MINDEF & MHA group insurance scheme instead.

If you're a civilian working in these organisations, you're eligible for POGIS.

Contact us

Need more information? Call us

+65 6827 9939

Mondays to Fridays 8:45 – 17:30

Weekends and public holidays Closed

For POGIS members and their family

As long as you're insured with us*, you'll get to enjoy these special savings on our car, home and travel plans. 

Up to 35% off Car Insurance

Choose the coverage you need plus riders, then enjoy 15% off on top of any existing promotion for your Aviva Car Insurance premium.

Car Insurance Renewal Offer

  • Enjoy 2 free riders (Loss of Use & Loss of Keys) worth S$107 upon successful renewal. 
  • For a limited period only, receive an additional free Personal Accident rider (worth S$107) with every successful renewal plus a complimentary CapitaVoucher (worth S$40) if it's an annual plan.

Save up to 43% on Travel plans

Be it single or multi-trip plans for individuals or groups. Enjoy 30% off on top of any existing promotion for your Travel insurance!

Up to 45% off on Home plan

We'll upgrade you to the next high tier of plan so you can enjoy premiums savings of up to 45%.

Who's eligible for these special savings?

  • Anyone insured under POGIS qualifies.

In addition, the following loved ones of POGIS members also qualify:

  • Spouse
  • Children
  • Parents
  • Siblings

Note: Copies of relevant marriage or birth certificates must be submitted as proof of relationship within 7 days of purchase.

For existing customers

Access your account to view your policy details and manage your personal particulars through our portal.

Manage my policy

The policy is underwritten by Aviva Ltd. 

This is published for general information only and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. You may wish to seek advice from a financial adviser representative before making a commitment to purchase the product. A copy of the Product Summary may be obtained from Aviva Ltd and the participating distributors' offices. You should read the Product Summary before deciding whether to purchase the policy. In the event that you choose not to seek advice from a financial adviser representative, you should consider whether the product in question is suitable for you.

As this policy has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely. Buying an accident and/or health insurance policy that is not suitable for you may impact your ability to finance your future healthcare needs. It is usually detrimental to replace an existing accident and health policy with a new one as the new policy may cost more or have fewer benefits at the same cost.

This is not a contract of insurance. Full details of standard terms and conditions of these policies can be found in the relevant certificate of insurance.

Information is correct as at 28 October 2020.

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

This policy is 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 Aviva Ltd or visit the Life Insurance Association or SDIC websites (www.lia.org.sg or www.sdic.org.sg).