Corporatised Entities Group Insurance Scheme

[1] We pay a further monthly payout of 1% of the sum assured for the next 24 months or until the insured reaches the age of 65 or until the insured dies, whichever is earliest.

[2] Permanent and partial disability must happen within 365 days from the date of the accident.

[3] A survival period of 30 days from the date the insured is diagnosed with the critical illness will apply. For major cancer, coronary artery by-pass surgery, heart attack of specified severity, angioplasty and other invasive treatment for coronary artery and other serious coronary artery disease, a waiting period of 90 days from the start date or reinstatement date (if any) of the insured’s cover, whichever is later will apply. For the other remaining critical illnesses, a waiting period of 30 days from the start date or reinstatement date (if any) of the insured’s cover, whichever is later will apply.

[4] Your husband or wife and children will be eligible to apply for cover if you, as an employee of the corporatised organisation, are insured under the plan. You will need to be insured under CEGIS term life coverage before your husband or wife and children can apply for cover under the plan. To apply for 37 critical illness rider for your husband or wife and children, they must be insured with CEGIS term life coverage and you must be insured under the 37 critical illness rider. The sum assured for your husband or wife or children must not be more than your sum assured unless we have reduced your sum assured due to underwriting reasons.
If you end your policy or is no longer the employee of the corporatised organisation, the cover for your husband or wife and children will end. The cover for your husband or wife will also end if you are separated or divorced from your husband or wife.

[5] This plan does not cover any claim or loss arising from insured taking part in full-time National Service.

[6] Premium rate is applicable only to insured aged 19 to 45 (age next birthday) for sum assured at $50,000 for the CEGIS Term Life Coverage and $50,000 for the 37 Critical Illness Rider.

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.

This is for general information only and does not constitute an offer, recommendation, solicitation or advice to buy or sell any product(s). You can find the usual terms, conditions and exclusions of this plan in the master policy contract issued to your organisation. The cover for CEGIS will automatically end upon the termination of the master policy by either Income Insurance or your organisation. 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 advisor. 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. This plan does not have any cash value.

CEGIS is underwritten and issued by Income Insurance.

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 Insurance or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

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

Information is correct as at 28 January 2026