MerdekaCare Insurance

Here’s what you get with MerdekaCare.

Coverage against death or permanent disability due to accident, from as little as 40 cents[1] a day.
Coverage for outpatient and hospitalisation expenses due to an accident, with a daily benefit of up to $100[2] for each day of hospitalisation.
Coverage for other accident-related expenses such as home modifications to cater for easy mobility and training for the caregiver[4] to make your recovery at home more comfortable.
No medical check-ups required when signing up for and renewing MerdekaCare Insurance.
MerdekaCare Insurance is renewable for life[3].

Ensure your parents are well protected in their silver years.

Why MerdekaCare Insurance is beneficial for your parents

As our parents grow older, they become more prone to accidents and the road to recovery may take longer than expected. With MerdekaCare Insurance, you can ensure that they are well-protected with extensive coverage against medical fees, mobility aids, home-care services and rehabilitation expenses incurred due to an accident.

Your coverage at a glance.

Key benefits	Coverage amount under Prestige Plan (Maximum benefits)
Permanent disability (in each policy year)	$60,000
Hospitalisation expenses due to accident (for each accident)	$6,000
Outpatient expenses due to accident (in each policy year)	$1,500
Extra medical expenses for burns, broken bones and fractures (for each policy year)	$3,000
Rehabilitation and physiotherapy (up to $100 per visit in each policy year)	$1,000

For a more detailed look at what you are covered for, you may view the coverage table and full premium table here.

Choose from three plan types to best suit your needs.

Entry Age	Yearly premium
	Basic Plan	Superior Plan	Prestige Plan
Age 60 to 75 years old	$144.45	$182.97	$279.90
Age 76 years old and above	$235.94	$298.53	$439.36

Entry Age	Monthly premium
	Basic Plan	Superior Plan	Prestige Plan
Age 60 to 75 years old	$13.29	$16.76	$25.62
Age 76 years old and above	$21.67	$27.35	$40.25

Premium rates are inclusive of 7% GST, non-guaranteed and may be reviewed from time to time.

Find the plan that’s right for you.

Personal Accident Insurance

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Eligibility and payment frequency

Both you and your parent(s) must be Singapore citizens and hold valid Singapore National Registration Identification Cards (NRIC)
Your parent(s), the insured must be living or working in Singapore, or living outside Singapore for no more than 180 days at any one time
Your parent(s), the insured must be born on or before 31 December 1959

You can pay your premium either on a monthly or yearly basis.

Policy conditions

Application forms

Application form

Important notes

Footnotes

This premium rate is applicable for people aged 60 to 75 under Basic Plan who pay on a yearly basis.
This plan will pay up to $100 for each day of hospitalisation under Prestige Plan, up to a maximum of 60 days for each accident.
Your (or your parents') policy will be renewed as long as:
- the eligibility requirements are met
- claims have not reached the lifetime limit allowed for the respective plans
- the full sum insured under the final expenses or permanent disability benefits have not been claimed.
This plan will pay for the training of one caregiver and the training will be conducted by our appointed provider.

Exclusions

There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.

Important Notes

This page is for general information only. You can find the usual terms and conditions of this plan in the policy conditions. All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want. test If you find that this plan is not suitable after purchasing it, you may terminate it within the free-look period, and obtain a refund of premiums paid. We may recover from you any expense incurred in underwriting this plan.

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 Income or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Information is correct as of 29 August 2019.

Information is correct as of 13 April 2023.

MerdekaCare Insurance

Personal Accident Insurance

Here’s what you get with MerdekaCare.

Ensure your parents are well protected in their silver years.

Your coverage at a glance.

Choose from three plan types to best suit your needs.