MINDEF Group Insurance

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MINDEF Group Insurance

In recognition of your contribution to national security, the MINDEF and MHA have jointly come up with MINDEF & MHA Group Insurance to provide a new and comprehensive insurance that can give you and your family greater assurance and peace of mind.

From 1 July 2016, MINDEF will provide you1 with S$150,000 Group Term Life and S$150,000 Group Personal Accident insurance coverage during the terms of service. This coverage is under the Core Scheme and premiums are paid for by MINDEF.

If you wish to further cover yourself outside the terms of service or cover your spouse/children at competitive premiums, you can also purchase additional coverage under the Voluntary Scheme from 1 October 2016 onwards.

The Voluntary Scheme comprises Group Term Life, Group Personal Accident and optional riders such as Living Care, Living Care Plus, Disability Income and Outpatient Medicare.

Group Term Life

Get S$1 million coverage for just S$1.37 per day for you and your dependants.

Group Personal Accident

24/7 worldwide protection against mishaps.

Boost your coverage with our riders

Add-on riders to your Group Personal Accident or Group Term Life plan

Living Care

Get protection against 37 common critical illnesses2.

Living Care Plus

Enhanced protection against early critical illnesses3.

Disability Income

Receive a monthly payout if ever you become disabled.

Outpatient Medicare

Coverage for your family's outpatient medical expenses.


Enjoy these special savings

Claim your privileges as an insured member of the MINDEF & MHA Group Insurance Scheme when you buy our car, home and travel plans.

Up to 35% off Aviva Car Insurance

New customers will enjoy 15% discount on top of any existing promotion for their Aviva Car Insurance premium and riders. 

Aviva 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.

Up to 43% off Aviva Travel Plans

Be it single or multi-trip plans for individuals or groups, enjoy 30% off on top of any existing promotion for your Aviva Travel Insurance.

Up to 45% savings on Home insurance

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


If you need more information, please read our FAQ here.

For new customers

Get comprehensive coverage exclusively designed to give you greater assurance.

For existing customers

Access your account to manage your policy details or upgrade your coverage through our portal.

Form library

Download the relevent forms that you'll need.

Contact us

Need more information? Call us

+65 6827 8000

Mondays to Fridays 8:45 – 17:30

Weekends and public holidays Closed

These policies are underwritten by Aviva Ltd.

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

As these policies have no savings or investment feature, there is no cash value if the policies end or if the policies are terminated prematurely. Buying accident and/or health insurance policies that are 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 accurate as at October 2020.  

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

These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policies 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).