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border-left-color: lightgray; padding-left: 40px;}  .right-bottom-shadow {box-shadow: 5px 5px 5px #C1C1C1;}  .backgroundcolor {background-color: #E1E1E1;}  .member-border { border-style: solid; border-width: 2px; border-color: #cccccc; } .button-color-red { color: #cc483e; }  .slider-height { height: 370.567px; max-width: 100%; }  .responsive-width-scheme-member-text { width: 50% } .responsive-width-scheme-member-img { width: width: auto !important; max-width: 203px } .slider-centered { display: flex; justify-content: center; } .flex-element{ display: flex; flex-wrap: wrap; }  .tg {border-collapse:collapse;border-spacing:0;} .tg td{border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px; overflow:hidden;padding:10px 5px;word-break:normal;} .tg th{border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px; font-weight:normal;overflow:hidden;padding:10px 5px;word-break:normal;} .tg 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.tg-leftbottomborderwhite{background-color:#e8f2fc;border-color:#e8f2fc #e8f2fc #ffffff #ffffff;text-align:center;vertical-align:top} .tg .tg-nm6f{background-color:#265e95;border-color:#ffffff;text-align:left;vertical-align:top} .tg .tg-tdlr{background-color:#ffffff;border-color:#ffffff;font-size:12px;text-align:left;vertical-align:top} .tg .tg-ui5z{background-color:#e8f2fc;border-color:#ffffff;text-align:center;vertical-align:top} .tg .tg-vdlv{background-color:#265e95;border-color:#ffffff;text-align:left;vertical-align:top} .tg .tg-vdyb{background-color:#265e95;border-color:#ffffff;color:#ffffff;text-align:left;vertical-align:top} .tg .tg-zv4m{border-color:#ffffff;text-align:left;vertical-align:top} /*DI Scheme member list CSS*/ #customDiv ul li, #customDiv2 ul li { background: white; list-style:none; padding:20px;border: 1px solid #cccccc; color: #265E95 } #customDiv ul li:nth-child(odd), #customDiv2 ul li:nth-child(odd) { background: #eff6ff; } #customDiv ul,#customDiv2 ul{ padding-left:0px; } /*sdic sm notices ppf table*/ .tg {border-collapse:collapse;border-spacing:0;} .tg td{border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px; overflow:hidden;padding:10px 5px;word-break:normal;} .tg th{border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px; font-weight:normal;overflow:hidden;padding:10px 5px;word-break:normal;} .tg .tg-gl6i{background-color:#005e9b;border-color:#000000;color:#ffffff;text-align:left;vertical-align:top} .tg .tg-73oq{border-color:#000000;text-align:left;vertical-align:top} /* sm sdic contacts list table */ .tg {border-collapse:collapse;border-spacing:0;} .tg td{border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px; overflow:hidden;padding:10px 5px;word-break:normal;} .tg th{border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:14px; font-weight:normal;overflow:hidden;padding:10px 5px;word-break:normal;} .tg .tg-rvvg{background-color:#005E9B;border-color:#ffffff;color:#FFF;text-align:center;vertical-align:top} .tg .tg-ui5z{background-color:#e8f2fc;border-color:#ffffff;text-align:center;vertical-align:top} .tg .tg-pzwx{background-color:#daecfa;border-color:#ffffff;text-align:center;vertical-align:top} .tg .tg-yhjc{background-color:#005e9b;border-color:#ffffff;color:#ffffff;text-align:center;vertical-align:top} .tg .tg-cc0x{background-color:#ffffff;border-color:#ffffff;text-align:left;vertical-align:top;padding-left:50px} .tg .tg-jjo5{background-color:#eff6fe;border-color:#ffffff;text-align:center;vertical-align:top} /* sm forms di & ppf table */ .tg {border-collapse:collapse;border-spacing:0;} .tg td{border-color:black;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:16px; overflow:hidden;padding:10px 5px;word-break:normal;vertical-align:center;} .tg 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class="side-panel-block"> </div> </div>  <div id="content" class="site-content"> <div data-vc-full-width="true" data-vc-full-width-init="false" data-vc-stretch-content="true" class="vc_row wpb_row vc_row-fluid vc_row-no-padding"><div class="wpb_column vc_column_container vc_col-sm-12 vc_col-lg-offset-1 vc_col-lg-10"><div class="vc_column-inner"><div class="wpb_wrapper"> <div class="wpb_single_image wpb_content_element vc_align_left vc_custom_1711092540017"> <figure class="wpb_wrapper vc_figure"> <div class="vc_single_image-wrapper vc_box_border_grey"><img fetchpriority="high" decoding="async" width="1500" height="500" src="/wp-content/uploads/2024/03/SDIC_Website-Banner_PPF_1500x500.jpg" class="vc_single_image-img attachment-full" alt="" title="SDIC_Website-Banner_PPF_1500x500" srcset="/wp-content/uploads/2024/03/SDIC_Website-Banner_PPF_1500x500.jpg 1500w, /wp-content/uploads/2024/03/SDIC_Website-Banner_PPF_1500x500-300x100.jpg 300w, /wp-content/uploads/2024/03/SDIC_Website-Banner_PPF_1500x500-1024x341.jpg 1024w, /wp-content/uploads/2024/03/SDIC_Website-Banner_PPF_1500x500-768x256.jpg 768w" sizes="(max-width: 1500px) 100vw, 1500px"></div> </figure> </div> </div></div></div></div> <div class="vc_row-full-width vc_clearfix"></div> <div data-vc-full-width="true" data-vc-full-width-init="false" data-vc-stretch-content="true" class="vc_row wpb_row vc_row-fluid vc_row-no-padding"><div class="wpb_column vc_column_container vc_col-sm-12 vc_col-lg-offset-1 vc_col-lg-10"><div class="vc_column-inner vc_custom_1672966542183"><div class="wpb_wrapper"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <h2><strong><span style="color: #265e95">Frequently Asked Questions</span><br> </strong></h2> </div> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <h5> <span style="color: #265e95">Policy Owners’ Protection Scheme</span><strong><br> </strong> </h5> </div> </div> <div class="vc_tta-container" data-vc-action="collapseAll"><div class="vc_general vc_tta vc_tta-accordion vc_tta-color-grey vc_tta-style-modern vc_tta-shape-rounded vc_tta-spacing-20 vc_tta-gap-20 vc_tta-controls-align-left vc_tta-o-all-clickable"><div class="vc_tta-panels-container"><div class="vc_tta-panels"> <div class="vc_tta-panel" id="1668931995935-be201bfe-4712" data-vc-content=".vc_tta-panel-body"> <div class="vc_tta-panel-heading"><h4 class="vc_tta-panel-title vc_tta-controls-icon-position-right"><a href="#1668931995935-be201bfe-4712" data-vc-accordion data-vc-container=".vc_tta-container"><span class="vc_tta-title-text">1. What is the PPF Scheme?</span><i class="vc_tta-controls-icon vc_tta-controls-icon-triangle"></i></a></h4></div> <div class="vc_tta-panel-body"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p><strong class="ng-scope">A:</strong> The PPF Scheme protects policy owners in the event a life or general insurer which is a PPF Scheme member fails. The PPF Scheme provides protection for the guaranteed benefits of your life insurance policies, subject to caps where applicable. The PPF Scheme also provides coverage for the specified types of general insurance policies covered under the Scheme. No caps are applicable for protection of your general insurance policies (except for the limits specified under the law for compulsory insurance policies and for own property damage motor claims under personal motor insurance policies and property damage claims under personal property (structure and contents) insurance policies).</p> </div> </div> </div> </div> <div class="vc_tta-panel" id="1668931996006-88d74453-e271" data-vc-content=".vc_tta-panel-body"> <div class="vc_tta-panel-heading"><h4 class="vc_tta-panel-title vc_tta-controls-icon-position-right"><a href="#1668931996006-88d74453-e271" data-vc-accordion data-vc-container=".vc_tta-container"><span class="vc_tta-title-text">2. How does the PPF Scheme work?</span><i class="vc_tta-controls-icon vc_tta-controls-icon-triangle"></i></a></h4></div> <div class="vc_tta-panel-body"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p><strong class="ng-scope">A:</strong> The preferred course of action is to transfer the insurance business of the failed insurer to another insurer, especially in the event of the failure of a life insurer, as there is less disruption for policy owners. However, if a buyer cannot be found or if costs are excessive to facilitate a transfer, MAS may decide on termination if the impact on policy owners is not significant, for example if policy owners can easily find alternative coverage. On the other hand, if the impact on policy owners is significant, MAS may decide on a run-off. SDIC will then take over the business of the failed insurer. Policy owners will then continue to be covered until such time their policy matures or expires. A combination of options may be adopted for the entire business of the failed insurer.</p> </div> </div> </div> </div> <div class="vc_tta-panel" id="1668931996120-7c43ab76-70e8" data-vc-content=".vc_tta-panel-body"> <div class="vc_tta-panel-heading"><h4 class="vc_tta-panel-title vc_tta-controls-icon-position-right"><a href="#1668931996120-7c43ab76-70e8" data-vc-accordion data-vc-container=".vc_tta-container"><span class="vc_tta-title-text">3. Under what circumstances would MAS decide whether to transfer or run off the insurance business of the failed insurer or terminate the policies issued by the failed insurer?</span><i class="vc_tta-controls-icon vc_tta-controls-icon-triangle"></i></a></h4></div> <div class="vc_tta-panel-body"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <div class="ng-binding ng-scope"> <p><strong class="ng-scope">A:</strong>The preferred course of action is to transfer the insurance business of the failed insurer to another insurer, especially in the event of the failure of a life insurer, as there is less disruption for policy owners. However, if a buyer cannot be found or if costs are excessive to facilitate a transfer, MAS may decide on termination if the impact on policy owners is not significant, for example if policy owners can easily find alternative coverage. On the other hand, if the impact on policy owners is significant, MAS may decide on a run-off. SDIC will then take over the business of the failed insurer. Policy owners will then continue to be covered until such time their policy matures or expires. A combination of options may be adopted for the entire business of the failed insurer.</p> </div> </div> </div> </div> </div> <div class="vc_tta-panel" id="1668931996224-8e146d0e-a96a" data-vc-content=".vc_tta-panel-body"> <div class="vc_tta-panel-heading"><h4 class="vc_tta-panel-title vc_tta-controls-icon-position-right"><a href="#1668931996224-8e146d0e-a96a" data-vc-accordion data-vc-container=".vc_tta-container"><span class="vc_tta-title-text">4. Is the SDIC part of the government?</span><i class="vc_tta-controls-icon vc_tta-controls-icon-triangle"></i></a></h4></div> <div class="vc_tta-panel-body"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <div class="ng-binding ng-scope"><span style="font-size: 12pt"><strong class="ng-scope">A:</strong> SDIC is not part of the government. SDIC is a company limited by guarantee under the Companies Act. However, SDIC is set up by an act of parliament and has been designated to be the deposit insurance and policy owners’ protection fund agency under the Deposit Insurance and Policy Owners’ Protection Schemes Act. The board of SDIC is accountable to the Minister in charge of MAS.</span></div> </div> </div> </div> </div> <div class="vc_tta-panel" id="1668931996300-cb6774bb-9b96" data-vc-content=".vc_tta-panel-body"> <div class="vc_tta-panel-heading"><h4 class="vc_tta-panel-title vc_tta-controls-icon-position-right"><a href="#1668931996300-cb6774bb-9b96" data-vc-accordion data-vc-container=".vc_tta-container"><span class="vc_tta-title-text">5. If any life or general insurer goes bankrupt, are my policies covered?</span><i class="vc_tta-controls-icon vc_tta-controls-icon-triangle"></i></a></h4></div> <div class="vc_tta-panel-body"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <div class="ng-binding ng-scope"><span style="font-size: 12pt"><strong class="ng-scope">A:</strong> Membership is compulsory for all insurers licensed by MAS to carry on direct life business (other than captive insurers) or insurers licensed by MAS to carry on direct general business (other than captive insurers or specialist insurers). However, MAS may exempt life or general insurers from being members of the PPF Scheme. If you want to know if your insurer is a PPF Scheme member, please refer to the complete list of <a href="/pp_scheme_members/"> PPF Scheme members</a>.</span></div> </div> </div> </div> </div> <div class="vc_tta-panel" id="1668931996377-3c619181-7fd4" data-vc-content=".vc_tta-panel-body"> <div class="vc_tta-panel-heading"><h4 class="vc_tta-panel-title vc_tta-controls-icon-position-right"><a href="#1668931996377-3c619181-7fd4" data-vc-accordion data-vc-container=".vc_tta-container"><span class="vc_tta-title-text">6. Are foreign insurers included under the PPF Scheme?</span><i class="vc_tta-controls-icon vc_tta-controls-icon-triangle"></i></a></h4></div> <div class="vc_tta-panel-body"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <div class="ng-binding ng-scope"> <p><strong class="ng-scope">A:</strong> Foreign insurers, unless exempted by MAS, are required to be members of the PPF Scheme if they are insurers licensed by MAS to carry on direct life business (other than captive insurers) or insurers licensed by MAS to carry on direct general business (other than captive insurers or specialist insurers). If you want to know if your insurer is a PPF Scheme member, please refer to the complete list of <a href="/pp_scheme_members/" target="" rel="noopener noreferrer">PPF Scheme members</a>.</p> </div> </div> </div> </div> </div> <div class="vc_tta-panel" id="1668931996472-378badd9-fc5a" data-vc-content=".vc_tta-panel-body"> <div class="vc_tta-panel-heading"><h4 class="vc_tta-panel-title vc_tta-controls-icon-position-right"><a href="#1668931996472-378badd9-fc5a" data-vc-accordion data-vc-container=".vc_tta-container"><span class="vc_tta-title-text">7. How do i know if my policies are covered under the PPF Scheme?</span><i class="vc_tta-controls-icon vc_tta-controls-icon-triangle"></i></a></h4></div> <div class="vc_tta-panel-body"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p><strong class="ng-scope">A:</strong> From 20 July 2011, you can request for a register of the types of insured policies from any life or general insurer which are PPF Scheme members to find out which insurance policies are covered. Also, from 1 January 2012, the policy documents and product summaries will display the PPF disclosure statement if the product is insured under the PPF Scheme.</p> </div> </div> </div> </div> <div class="vc_tta-panel" id="1668931996682-c6e7d85b-034b" data-vc-content=".vc_tta-panel-body"> <div class="vc_tta-panel-heading"><h4 class="vc_tta-panel-title vc_tta-controls-icon-position-right"><a href="#1668931996682-c6e7d85b-034b" data-vc-accordion data-vc-container=".vc_tta-container"><span class="vc_tta-title-text">8. What types of life insurance plicies are covered under the PPF Scheme?</span><i class="vc_tta-controls-icon vc_tta-controls-icon-triangle"></i></a></h4></div> <div class="vc_tta-panel-body"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p><strong class="ng-scope">A:</strong> All life insurance policies (including riders) are covered. This would include policies issued to non-Singapore residents (offshore policies), but not policies issued by overseas branches of a registered direct life insurer incorporated in Singapore. Examples of life insurance policies include the following:</p> <p>· Individual and group term life policies</p> <p>· Individual and group whole life policies</p> <p>· Individual and group endowment policies</p> <p>· Individual and group annuities</p> <p>· Individual and group long-term accident and health (A&H) policies</p> </div> </div> </div> </div> <div class="vc_tta-panel" id="1668931996788-2df96b8e-bd59" data-vc-content=".vc_tta-panel-body"> <div class="vc_tta-panel-heading"><h4 class="vc_tta-panel-title vc_tta-controls-icon-position-right"><a href="#1668931996788-2df96b8e-bd59" data-vc-accordion data-vc-container=".vc_tta-container"><span class="vc_tta-title-text">9. What types of general insurance policies are covered under the PPF Scheme?</span><i class="vc_tta-controls-icon vc_tta-controls-icon-triangle"></i></a></h4></div> <div class="vc_tta-panel-body"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p><strong class="ng-scope">A:</strong> The PPF Scheme protects all compulsory insurance policies under the Motor Vehicles (Third Party Risks and Compensation) Act and Work Injury Compensation Act and short- term accident and health (A&H) policies, issued by PPF Scheme members. The PPF Scheme also covers policies of specified personal lines where the risks arise in Singapore or the policy owner is resident in Singapore, issued to individuals by licensed PPF Scheme members. The types of specified personal lines covered are:</p> <p>· Personal motor insurance policies</p> <p>· Personal travel insurance policies</p> <p>· Personal property (structure and contents) insurance policies</p> <p>· Foreign domestic maid insurance policies</p> </div> </div> </div> </div> <div class="vc_tta-panel" id="1668931996929-283aa694-e50e" data-vc-content=".vc_tta-panel-body"> <div class="vc_tta-panel-heading"><h4 class="vc_tta-panel-title vc_tta-controls-icon-position-right"><a href="#1668931996929-283aa694-e50e" data-vc-accordion data-vc-container=".vc_tta-container"><span class="vc_tta-title-text">10. What life insurance policies are not covered under the PPF Scheme?</span><i class="vc_tta-controls-icon vc_tta-controls-icon-triangle"></i></a></h4></div> <div class="vc_tta-panel-body"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <div class="ng-binding ng-scope"><span style="font-size: 12pt"><strong class="ng-scope">A:</strong> Life insurance policies issued by overseas branches of a registered life insurer incorporated in Singapore are not covered. For a licensed direct life insurer incorporated overseas, only the life insurance policies issued by the branch in Singapore will be covered.</span></div> </div> </div> </div> </div> <div class="vc_tta-panel" id="1668931997061-addd6499-d8e3" data-vc-content=".vc_tta-panel-body"> <div class="vc_tta-panel-heading"><h4 class="vc_tta-panel-title vc_tta-controls-icon-position-right"><a href="#1668931997061-addd6499-d8e3" data-vc-accordion data-vc-container=".vc_tta-container"><span class="vc_tta-title-text">11. What general insurance policies are not covered under the PPF Scheme?</span><i class="vc_tta-controls-icon vc_tta-controls-icon-triangle"></i></a></h4></div> <div class="vc_tta-panel-body"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p><strong class="ng-scope">A:</strong> General insurance policies that are not compulsory by law or within the specified personal lines are not covered under the PPF Scheme. General insurance policies (except for motor insurance policies) which are specified personal lines but issued to non-individuals will also not be covered. For motor insurance policies issued to non-individuals, only the compulsory insurance portion under Motor Vehicles (Third-Party Risks and Compensation) Act 1960 will be covered. For example, personal travel policies or property (structure and contents) insurance policies issued to non-individuals and tuition fee protection policies issued to individuals are not covered. If you want to know more on the types of policies covered under the PPF Scheme, please refer to <a href="/pp_scope_of_coverage/" target="" rel="noopener noreferrer">Scope of Coverage</a>.</p> </div> </div> </div> </div> <div class="vc_tta-panel" id="1668931997193-0748f32b-7e6c" data-vc-content=".vc_tta-panel-body"> <div class="vc_tta-panel-heading"><h4 class="vc_tta-panel-title vc_tta-controls-icon-position-right"><a href="#1668931997193-0748f32b-7e6c" data-vc-accordion data-vc-container=".vc_tta-container"><span class="vc_tta-title-text">12. What about joint policies?</span><i class="vc_tta-controls-icon vc_tta-controls-icon-triangle"></i></a></h4></div> <div class="vc_tta-panel-body"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p><strong class="ng-scope">A:</strong> Each joint policy owner is assumed to have an equal share of the joint policy, unless the PPF Scheme member has records that show otherwise. If you want to know about the calculation for joint policies, please refer to <a href="/pp_entitlement/" target="" rel="noopener">PPF Entitlement.</a></p> </div> </div> </div> </div> <div class="vc_tta-panel" id="1668931997353-41c351cc-9800" data-vc-content=".vc_tta-panel-body"> <div class="vc_tta-panel-heading"><h4 class="vc_tta-panel-title vc_tta-controls-icon-position-right"><a href="#1668931997353-41c351cc-9800" data-vc-accordion data-vc-container=".vc_tta-container"><span class="vc_tta-title-text">13. The newspapers reported that the compensation is the net of policy loans? What does this mean?</span><i class="vc_tta-controls-icon vc_tta-controls-icon-triangle"></i></a></h4></div> <div class="vc_tta-panel-body"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p><strong class="ng-scope">A:</strong> Any policy loans taken against an insured life policy will be set off against the compensation payable under that policy. If you want to know about the calculation of compensation where there are policy loans, please refer to <a href="/pp_entitlement/" target="" rel="noopener">PPF Entitlement</a>.</p> </div> </div> </div> </div> <div class="vc_tta-panel" id="1668931997512-472c2302-9de8" data-vc-content=".vc_tta-panel-body"> <div class="vc_tta-panel-heading"><h4 class="vc_tta-panel-title vc_tta-controls-icon-position-right"><a href="#1668931997512-472c2302-9de8" data-vc-accordion data-vc-container=".vc_tta-container"><span class="vc_tta-title-text">14. Are riders on individual life policies covered under the PPF Scheme and are they subject to caps?</span><i class="vc_tta-controls-icon vc_tta-controls-icon-triangle"></i></a></h4></div> <div class="vc_tta-panel-body"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <div class="ng-binding ng-scope"> <p><strong class="ng-scope">A:</strong> Yes, all riders are covered. Only riders that provide additional coverage, except for riders that accelerate payment of part or all of the sum assured under the main policy upon occurrence of a specified event such as illnesses, would be aggregated with the main policies in determining if the caps are exceeded. Such riders include the following:</p> <p>· A level term assurance rider</p> <p>· An increasing term assurance rider</p> <p>· A decreasing term assurance rider</p> <p>Other riders that are covered but not subject to caps include the following:</p> <p>· A waiver of premium rider</p> <p>· A payor benefit rider</p> <p>· An accident and health rider e.g. personal accident rider, disability income rider and hospital cash benefit rider.</p> <p>An accelerated benefits rider (e.g. riders that accelerate payment of part or all of sum assured of the main policy when the claim happens), though not aggregated with the main policies in the aggregation process, may be scaled down if the benefits under the main policy is reduced because of the aggregate cap.</p> </div> </div> </div> </div> </div> <div class="vc_tta-panel" id="1668931997665-46c7de50-1bce" data-vc-content=".vc_tta-panel-body"> <div class="vc_tta-panel-heading"><h4 class="vc_tta-panel-title vc_tta-controls-icon-position-right"><a href="#1668931997665-46c7de50-1bce" data-vc-accordion data-vc-container=".vc_tta-container"><span class="vc_tta-title-text">15. Are accident and health policies and riders purchased from PPF life Scheme members covered and are they subject to caps?</span><i class="vc_tta-controls-icon vc_tta-controls-icon-triangle"></i></a></h4></div> <div class="vc_tta-panel-body"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p><strong class="ng-scope">A:</strong> Yes, individual and group accident and health (A&H) policies and riders are covered and are not subject to caps. The A&H policies covered include the following:</p> <p>· Personal Accident</p> <p>· Medical Expenses Plan</p> <p>· Long-term Care (e.g. Eldershield)</p> <p>· Disability Income</p> </div> </div> </div> </div> <div class="vc_tta-panel" id="1668931997813-58a6953c-8b2a" data-vc-content=".vc_tta-panel-body"> <div class="vc_tta-panel-heading"><h4 class="vc_tta-panel-title vc_tta-controls-icon-position-right"><a href="#1668931997813-58a6953c-8b2a" data-vc-accordion data-vc-container=".vc_tta-container"><span class="vc_tta-title-text">16. Are annuities covered by the PPF Scheme and are they subject to caps?</span><i class="vc_tta-controls-icon vc_tta-controls-icon-triangle"></i></a></h4></div> <div class="vc_tta-panel-body"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p><strong class="ng-scope">A:</strong>Yes, individual annuities and voluntary group annuities, whether deferred or immediate, are covered. If you have been receiving the annuities before the insurer failed, your annuities are subject to an aggregate cap of S$100,000 on the total commuted value of the annuities, on a per life assured per insurer basis. Non-voluntary group annuities are also covered and subject to a separate cap of S$100,000 on the commuted value per policy per insurer. Only the guaranteed benefits of annuities are covered. In determining commuted value, all the future guaranteed benefit payments (be it annuity payments, death or surrender benefits) are converted into a single lump-sum present value. If the failed insurer’s business is transferred, run-off or the policies issued by the insurer are terminated, the guaranteed policy liabilities would have to be considered in determining the amount covered under the PPF Scheme.</p> </div> </div> </div> </div> <div class="vc_tta-panel" id="1668931997980-21db9adc-323c" data-vc-content=".vc_tta-panel-body"> <div class="vc_tta-panel-heading"><h4 class="vc_tta-panel-title vc_tta-controls-icon-position-right"><a href="#1668931997980-21db9adc-323c" data-vc-accordion data-vc-container=".vc_tta-container"><span class="vc_tta-title-text">17. What is meant by the guaranteed benefits of life policies?</span><i class="vc_tta-controls-icon vc_tta-controls-icon-triangle"></i></a></h4></div> <div class="vc_tta-panel-body"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p><strong class="ng-scope">A:</strong> Guaranteed benefits refer to the benefits that have been guaranteed in the policy contract by the insurer either at the outset or during the course of the policy. For non-participating policies, all the benefits will be considered as guaranteed. For participating policies, guaranteed benefits will include bonuses that have been declared and vested in the policies as these would have been payable to the policy holder if there was a claim, surrender or maturity at that point in time. In the case of investment-linked policies, any form of guarantees in the benefits such as capital guarantees or guaranteed death benefits provided by the insurer will be classified as guaranteed benefits.</p> </div> </div> </div> </div> <div class="vc_tta-panel" id="1668931998211-2b45473e-2a2e" data-vc-content=".vc_tta-panel-body"> <div class="vc_tta-panel-heading"><h4 class="vc_tta-panel-title vc_tta-controls-icon-position-right"><a href="#1668931998211-2b45473e-2a2e" data-vc-accordion data-vc-container=".vc_tta-container"><span class="vc_tta-title-text">18. Who is in charge of PPF Scheme?</span><i class="vc_tta-controls-icon vc_tta-controls-icon-triangle"></i></a></h4></div> <div class="vc_tta-panel-body"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <div class="ng-binding ng-scope"> <p><span style="font-size: 12pt"><strong class="ng-scope">A:</strong> The Singapore Deposit Insurance Corporation (SDIC) administers the PPF Scheme in Singapore. The SDIC board is accountable to the Minister in charge of MAS.</span></p> <div class="ng-binding ng-scope"><span style="font-size: 12pt">If you want to know more about the SDIC, please refer to <a href="/organisation/" target="" rel="noopener">Organisation</a>.</span></div> </div> </div> </div> </div> </div> <div class="vc_tta-panel" id="1668931998442-33d11882-87e1" data-vc-content=".vc_tta-panel-body"> <div class="vc_tta-panel-heading"><h4 class="vc_tta-panel-title vc_tta-controls-icon-position-right"><a href="#1668931998442-33d11882-87e1" data-vc-accordion data-vc-container=".vc_tta-container"><span class="vc_tta-title-text">19. What do I need to do to be covered under the PPF Scheme? Do I need to pay?</span><i class="vc_tta-controls-icon vc_tta-controls-icon-triangle"></i></a></h4></div> <div class="vc_tta-panel-body"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <div class="ng-binding ng-scope"><span style="font-size: 12pt"><strong class="ng-scope">A:</strong> Coverage is automatic. There is no need to fill out any application form or pay any premium. Levies are paid by the insurers which are the PPF Scheme members. But do remember to keep your insurer updated on your personal details such as name, ID number, mobile number and address so that information or any payment can be sent to you promptly.</span></div> </div> </div> </div> </div> <div class="vc_tta-panel" id="1668931998659-29e15eb1-2e55" data-vc-content=".vc_tta-panel-body"> <div class="vc_tta-panel-heading"><h4 class="vc_tta-panel-title vc_tta-controls-icon-position-right"><a href="#1668931998659-29e15eb1-2e55" data-vc-accordion data-vc-container=".vc_tta-container"><span class="vc_tta-title-text">20. When will there be an activation of the use of the PPF Scheme? Do I need to pay?</span><i class="vc_tta-controls-icon vc_tta-controls-icon-triangle"></i></a></h4></div> <div class="vc_tta-panel-body"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p><strong class="ng-scope">A:</strong> MAS may decide that a PPF payout should be made if:</p> <p>· A court order has been made to wind up a PPF Scheme member;</p> <p>· A PPF Scheme member is voluntarily wound up or where the scheme member is a co-operative society, has its registration cancelled;</p> <p>· MAS has determined that a PPF Scheme member is insolvent, unable or likely to become unable to meet its obligations, or about to suspend payments; or</p> <p>· MAS is exercising, is likely to exercise, or has exercised on a PPF Scheme member, its powers under Part IVB of the Monetary Authority of Singapore Act.</p> </div> </div> </div> </div> <div class="vc_tta-panel" id="1668931998903-8ef94878-2a25" data-vc-content=".vc_tta-panel-body"> <div class="vc_tta-panel-heading"><h4 class="vc_tta-panel-title vc_tta-controls-icon-position-right"><a href="#1668931998903-8ef94878-2a25" data-vc-accordion data-vc-container=".vc_tta-container"><span class="vc_tta-title-text">21. What does a policy owner need to do when his or her life or general insurer fails?</span><i class="vc_tta-controls-icon vc_tta-controls-icon-triangle"></i></a></h4></div> <div class="vc_tta-panel-body"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <div class="ng-binding ng-scope"><span style="font-size: 12pt"><strong class="ng-scope">A:</strong> If your insurer which is a PPF Scheme member fails, SDIC will provide details on the status of your policies. You don’t need to file any special claims to be entitled to the PPF Scheme coverage. SDIC will make announcements through the TV, newspapers and at the premises of the affected insurer. If you receive any compensation payment from the SDIC on your life insurance policies and the amount received is less than the amount you are insured for because of the application of caps, you may submit a claim to the liquidator of the failed insurer for the difference. You cannot claim for the amount that has been compensated for by SDIC.</span></div> </div> </div> </div> </div> <div class="vc_tta-panel" id="1668931999137-9a55e432-9cd0" data-vc-content=".vc_tta-panel-body"> <div class="vc_tta-panel-heading"><h4 class="vc_tta-panel-title vc_tta-controls-icon-position-right"><a href="#1668931999137-9a55e432-9cd0" data-vc-accordion data-vc-container=".vc_tta-container"><span class="vc_tta-title-text">22. How soon will I receive payments for my insurance policy claims after my insurer collapses?</span><i class="vc_tta-controls-icon vc_tta-controls-icon-triangle"></i></a></h4></div> <div class="vc_tta-panel-body"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <div class="ng-binding ng-scope"><span style="font-size: 12pt"><strong class="ng-scope">A:</strong> Claims will continue to be processed in the normal way through your insurer. If everything is in order, SDIC will compensate all claims as soon as possible through cheques, cashier’s orders or other electronic payment methods.</span></div> </div> </div> </div> </div> <div class="vc_tta-panel" id="1668931999574-0c2c3427-f7dc" data-vc-content=".vc_tta-panel-body"> <div class="vc_tta-panel-heading"><h4 class="vc_tta-panel-title vc_tta-controls-icon-position-right"><a href="#1668931999574-0c2c3427-f7dc" data-vc-accordion data-vc-container=".vc_tta-container"><span class="vc_tta-title-text">23. What will happen to my monthly annuity payments if my PPF life insurer fails?</span><i class="vc_tta-controls-icon vc_tta-controls-icon-triangle"></i></a></h4></div> <div class="vc_tta-panel-body"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <div class="ng-binding ng-scope"><span style="font-size: 12pt"><strong class="ng-scope">A:</strong> If your individual annuity policy (or voluntary group annuity) is transferred to another insurer or run off by SDIC, you will continue to receive your monthly payments. However, the amount you receive will be dependent on the aggregate cap of S$100,000 on the total commuted value of the annuities on a per life assured per insurer basis and the guaranteed policy liabilities of the policy. In determining commuted value, all the future guaranteed benefit payments (be it annuity payment, death or surrender benefits) are converted into a single lump-sum present value. The guaranteed policy liabilities of the policy is dependent on actuarial assumptions of the insurer. If you own a non-voluntary group annuity policy instead, and the policy is transferred to another insurer or run off by SDIC, you will continue to receive your monthly payments as well. Similarly, the amount you receive will be dependent on the cap of S$100,000 on the commuted value and guaranteed policy liabilities, on a per policy per insurer basis.</span></div> </div> </div> </div> </div> </div></div></div></div> </div></div></div></div> <div class="vc_row-full-width vc_clearfix"></div> </div>  <footer id="site-footer" class="site-footer" itemscope="itemscope" itemtype="http://schema.org/WPFooter"> <div data-elementor-type="wp-post" data-elementor-id="724" class="elementor elementor-724"> <section class="elementor-section elementor-top-section elementor-element elementor-element-4bbbd9c elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="4bbbd9c" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9d53529 ot-flex-column-vertical" data-id="9d53529" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-cfb1ffb elementor-widget elementor-widget-text-editor" data-id="cfb1ffb" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <style>/*! elementor - v3.16.0 - 17-10-2023 */ .elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}</style> <p style="text-align: center"><a href="http://facebook.com/sdicsg"><img class="alignnone wp-image-2295" src="/wp-content/uploads/2022/11/fb.jpg" alt="" width="44" height="44"></a> | <a href="http://youtube.com/@SDICCorpVideoAccount"><img class="alignnone wp-image-2296" src="/wp-content/uploads/2022/11/YT.jpg" alt="" width="44" height="44"></a></p> </div> </div> <div class="elementor-element elementor-element-d7ed49b elementor-widget elementor-widget-text-editor" data-id="d7ed49b" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p style="text-align: center"><a href="/termsandconditions/">Terms and Conditions</a> | <a href="/privacy-statement/">Privacy Statement</a> | <a href="/sitemap/">Sitemap</a> | <a href="/contact-us/">Contact Us</a></p> <p style="text-align: center">Copyright © 2019 Singapore Deposit Insurance Corporation Ltd. 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