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.


Enjoy a rehabilitation benefit

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


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.


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.


Pay no premiums when receiving benefit

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

How Pay Assure works


Hospitalisation: To cover the cost of hospitalisation, surgical or medical expenses - and make up for loss of income due to hospitalisation - consider GREAT SupremeHealthGREAT TotalCare and Supreme MediCash.


Critical illness: To help pay for treatment expenses across three stages of illness - early, intermediate and critical - consider Critical Care Advantage.


Comprehensive coverage for accidents: To enjoy comprehensive coverage against accidents, consider Essential Protector Plus.

Inability to work because of illness or injury must be certified by a doctor.


Based on the average income drawn over the last 24 months for salaried employees, and 36 months for the self-employed, at the time of application. The plan ends when the insured person is unemployed for 730 days or more, unless he is receiving the monthly income benefit.


3 Because of inability to work at full capacity due to illness or injury, as certified by a doctor. Other terms and conditions apply.


4 Such rehabilitation expenses must be certified by a Physician as being necessary, and such rehabilitation expenses payable will be reduced by amounts received from all other sources for such rehabilitation. Terms and conditions apply.


5 The number of days between the occurrence of disability and the start of the monthly income benefit.


* Premium rates are not guaranteed and may be adjusted based on future experience.

All ages refer to age next birthday.


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


The above is for general information only. It is not a contract of insurance. The precise terms and conditions of this insurance plan are specified in the policy contract.


Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable, if any, may be less than the total premiums paid. It is usually detrimental to replace an existing accident and health plan with a new one. A penalty may be imposed for early plan termination and the new plan may cost more, or have less benefits at the same cost.


In case of discrepancy between the English and the Chinese versions, the English version shall prevail.


This plan 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 us or visit the Life Insurance Association (LIA) or SDIC websites ( or


Information correct as on 27 February 2015.