Here’s what you get with MerdekaCare.

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Ensure you are well protected in your silver years.

Your coverage at a glance.

Key benefitsCoverage 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.

Understand more about how each plan can meet your unique needs.

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 (For renewal only)

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 (For renewal only)
The maximum entry age of Prestige Plan is 75 years old. Premium rates are inclusive of 7% GST, non-guaranteed and may be reviewed from time to time.

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Your policy toolkit.

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

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

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Your queries answered.

We will pay a lump sum amount for funeral arrangements in the event the insured person dies within 12 months from the date of the accident.

No, you can only claim outpatient medical expenses for injury resulting from accidents.

Yes, this policy will cover the expenses for treatment by a Chinese medicine practitioner or chiropractor within 12 months from the date of accident. However, we will only pay up to $50 per visit and up to the limits shown in the schedule.

Yes, this policy will cover you for day surgery due to an accident under section 4 – Hospitalisation expenses due to accident.

Yes, this policy will cover for post hospitalisation medical expenses that are incurred due to a direct condition for your hospitalisation due to an accident. We will only pay up to a maximum of 30 days from the date of discharge from the hospital.

Yes, this policy will cover for all kinds of fractures except pathologic fracture. A pathologic fracture is a broken bone caused by disease such as cancer or infection that leads to weakness of the bone.

This policy will only cover the ambulance charges for transportation to a hospital due to an accident. It does not cover any other types of transportation costs.

No, we will only pay if the mobility aids are necessary for your mobility and are prescribed by a medical practitioner.

Yes, but only if you have been rejected admission to a senior day care or home care service provider in Singapore.

You can only claim for home modification if you suffer 50% or more permanent disability under our table of compensation. We will only pay the reasonable cost of modifying your home to facilitate your movement and it must be completed within six months from the date of permanent disability.

No, this policy will only pay you if you need to engage cleaning services from a Singapore registered and licensed home cleaning service company to clean your home, provided you suffer 50% or more permanent disability. If you do not require such services, this benefit will not be payable.

No, this benefit is only payable if your caregiver attends the caregiver training conducted by our appointed provider – NTUC Health

The lifetime limit will apply to your policy for all claims made payable under section 1 to 13 of this policy. It will accumulate the claims made from the start date of the first policy you are insured under. The policy will end once the lifetime limit has been reached or when the policy has been cancelled or when we have fully paid the benefits under section 1 – Final expenses and section 2 – Permanent disability.

Yes, this policy will cover you if you suffer or die from accidental food poisoning.

Yes, this policy will cover a pillion rider on a motorcycle. However, if you are the rider of the motorcycle, this policy does not cover you.

Yes, this policy covers you while you are overseas for up to 180 days.

No, this policy does not cover you whilst you are taking part in hazardous activities and sports.

Yes, you can claim for the expenses for treatment by a Chinese medicine practitioner or chiropractor within 12 months from the date of accident. However, we will only pay up to $50 per visit and up to the limits shown in the schedule.

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