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Pay Assure

Health Insurance

Pay Assure

Protect your salary with a financial lifeline

Your family depends on your salary. And you have bills to pay every month. What if a sudden illness or injury leaves you unable to work1? How would you pay for everyday expenses and meet your regular financial commitments?


Pay Assure is made for such situations and provides for you and your family. If illness or injury keeps you away from work1, you’ll receive a monthly income of up to 75% of your monthly salary2.


The first of its kind in the market, this income protection plan helps you focus on getting well, rather than worrying about money.

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Key benefits


Receive income until you retire

Should illness or injury leave you unable to work1 , you’ll get a monthly income2 , all the way to your chosen retirement age – 55, 60 or 65 years.


Get partial income if your pay drops

If an illness or injury compels you to take up a job with lower pay3 , you’ll still get a partial monthly income that’ll keep you going.


Enjoy a rehabilitation benefit

A reimbursement of up to three times your monthly payout will help pay for expenses such as physiotherapy treatments4 .


Pay no premiums when receiving benefit

You don’t have to pay any premiums while receiving the monthly benefit.


You choose when your benefits begin

To help you plan your cashflow, Pay Assure offers you a choice of three pre-benefit periods5 : 60, 90 or 180 days.

How Pay Assure works


Andrew, 35, Outdoor Sales Manager

Monthly Salary  S$6,000*                             
Monthly Fixed Expenses  S$3,800 



His Pay Assure Plan:

Monthly Payout S$4,500 (75% of salary)
Monthly Premium S$82.10*
Pre-Benefit Period [5]  60 days
Chosen Retirement Age  60 years


He suffers a spinal injury at 40, becomes wheelchair-bound

  • Unable to resume work, Andrew receives a monthly payout of S$45,500, which is enough to cover his monthly expenses.
  • The plan also reimburse Andrew for the S$13,500 he spent on rehabilitation treatment.
  • Plus, his premiums are waivd while he receives monthly payouts.

One year later, Andrew takes up a lower-pay job as a telemarketer

  • He receives a partial monthly payout to make up for his lower salary.


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