This page lists the official documents and institutional web pages that insurancesg.si relies on, grouped by institution. For each source it gives the institution, title, date, link, what the source is used for and the pages that use it. Dates are the document's publication date, the "last updated" date shown on the page, or, where a page carries no date, the month this site checked it (October 2026). Government agencies, insurers and industry associations update their pages, so open the link for the current version before relying on any figure. If you find a broken link or a change, you can tell us through this site's contact options.
How to read the table: "Used for" summarises the fact or rule taken from the source; the pages in brackets are the pages of this site that cite it. Regulators and statutes are listed separately from industry guidance, and industry guidance separately from documents issued by individual insurers.
Monetary Authority of Singapore (MAS) and MoneySense
Regulatory and consumer-education sources. MoneySense is the national financial education programme run under MAS.
| Institution | Title | Date | Link | Used for (pages) |
|---|---|---|---|---|
| MAS | Insurance — types of entities and licences | Accessed 2026-10 | mas.gov.sg | Insurers operate in Singapore as licensed insurers, authorised reinsurers, approved MAT insurers or foreign insurers (insurance-system, international-medical-insurance, glossary) |
| MAS | Financial Institutions Directory; Register of Representatives | Accessed 2026-10 | eservices.mas.gov.sg · mas.gov.sg | How to check an insurer, adviser firm or representative (insurance-system, process) |
| MAS | MAS Expands Application of Fair Dealing Guidelines (media release) | 2024-05-30 | mas.gov.sg | Fair dealing applies to all financial institutions and their products and services (insurance-system, process) |
| MAS | Notice FAA-N16: Recommendations on Investment Products (revised version effective 2025-12-29) | 2025-12-29 | mas.gov.sg | Know-your-client, needs analysis and record-keeping standards for advisers (insurance-system, process) |
| MAS | MAS and financial industry launch Basic Financial Planning Guide (media release) | 2023-10 | mas.gov.sg | Benchmarks of about 9x income (death/TPD), 4x income (CI), premiums up to 15% of income (life-and-critical-illness, first-90-days) |
| MoneySense (MAS) | Dealing with unregulated persons | Updated 2026-07-02 | moneysense.gov.sg | Dealing with unregulated persons, including those overseas, forgoes protection under MAS regulations (insurance-system, international-medical-insurance, first-90-days, claims-and-complaints, faq) |
| MoneySense (MAS) | Insurance basics | Updated 2026-05-11 | moneysense.gov.sg | Free-look period of at least 14 days (except travel, car and maid insurance) (overview, life-and-critical-illness, first-90-days, process, faq) |
| MoneySense (MAS) | Understanding health insurance | Updated 2026-10-22 | moneysense.gov.sg | Group health cover may end on changing employer or retiring; buy health cover before you stop working (group-vs-personal-cover, health-insurance, international-medical-insurance, family-and-children, compare, first-90-days, leaving-singapore, scenarios, faq) |
| MoneySense (MAS) | Health insurance terms: Know what you're paying for | Updated 2026-09-28 | moneysense.gov.sg | Deductible, co-insurance, pre-existing conditions, waiting periods, letter of guarantee (group-vs-personal-cover, health-insurance, international-medical-insurance, family-and-children, compare, first-90-days, leaving-singapore, scenarios, faq, claims-and-complaints, glossary) |
Ministry of Manpower (MOM)
Employer obligations and work pass rules. These bind employers, not employees, and thresholds change; check MOM before relying on a figure.
| Institution | Title | Date | Link | Used for (pages) |
|---|---|---|---|---|
| MOM | FAQ: Are employers required to buy medical insurance for Employment Pass holders? | 2021-09-30 | mom.gov.sg | Medical insurance is not a requirement for employing EP holders (overview, group-vs-personal-cover, compare, first-90-days, scenarios, faq) |
| MOM | Medical insurance requirements for S Pass holders | Updated 2026-09-18 | mom.gov.sg | At least S$60,000 a year; 75%/25% co-payment above S$15,000; Stage 2 from 2025-07-01 incl. direct payment by insurers to hospitals (overview, group-vs-personal-cover, compare, first-90-days, claims-and-complaints, scenarios, faq) |
| MOM | Medical insurance requirements for Work Permit holders | Updated 2026-09-18 | mom.gov.sg | At least S$60,000 a year for inpatient care and day surgery; co-pay limits (at most 10% of fixed monthly salary, at most 6 months per 2 years, in the contract with full consent) (overview, group-vs-personal-cover, compare, faq, glossary) |
| MOM | Insurance requirements for migrant domestic workers | Updated 2026-09-18 | mom.gov.sg | Medical insurance and personal accident insurance of at least S$60,000 a year each; cost cannot be passed to the helper (group-vs-personal-cover, family-and-children, first-90-days, scenarios, faq) |
| MOM | Work injury compensation insurance | 2024-07-11 | mom.gov.sg | Who must be insured (manual workers; non-manual earning S$2,600 or less a month); penalties (group-vs-personal-cover, first-90-days) |
| MOM | Higher compensation limits under the Work Injury Compensation Act (press release) | 2024-02-08 | mom.gov.sg | WICA limits from 2025-11-01 (group-vs-personal-cover) |
| MOM | Oral answer to PQ on CPF withdrawal for foreigners | 2025-09-24 | mom.gov.sg | On renouncing citizenship or PR, CPF participation ceases and CPF monies can be withdrawn in full (cpf-and-medishield-life, leaving-singapore, scenarios) |
| MOM | Foreign Workforce Numbers | Updated 2026-09-22 | mom.gov.sg | EP 204,300; S Pass 177,300; Work Permit 1,243,600 incl. 323,800 MDWs (June 2026) (overview, family-and-children) |
| MOM | Dependant's Pass eligibility | Updated 2024-03-14 | mom.gov.sg | Spouse and unmarried children under 21; sponsor earns at least S$6,000 fixed monthly salary (family-and-children, faq) |
Ministry of Health (MOH), CPF Board and Agency for Integrated Care (AIC)
National health and long-term care schemes, which apply to Singapore Citizens and Permanent Residents.
| Institution | Title | Date | Link | Used for (pages) |
|---|---|---|---|---|
| MOH | MediShield Life | Updated 2025-08-26 | moh.gov.sg | MediShield Life covers all Singapore Citizens and PRs regardless of age or pre-existing conditions (overview, cpf-and-medishield-life, health-insurance, family-and-children, compare, leaving-singapore, faq) |
| CPF Board | MediShield Life | Updated 2026-09-17 | cpf.gov.sg | Automatic coverage of Citizens and PRs; designed for B2/C-class wards (overview, cpf-and-medishield-life, health-insurance, family-and-children, compare, leaving-singapore, faq) |
| MOH | Government accepts MediShield Life Council's recommendations | 2024-10-15 | moh.gov.sg | Policy-year claim limit raised from S$150,000 to S$200,000 (cpf-and-medishield-life, health-insurance, compare) |
| MOH | About Integrated Shield Plans | Updated 2026-04-30 | moh.gov.sg | IP structure; seven IP insurers; MediSave additional withdrawal limits (cpf-and-medishield-life, health-insurance, compare, glossary) |
| CPF Board | Can I use my MediSave to purchase an IP for my family member who is a foreigner? | 2024-06-19 | cpf.gov.sg | MediSave for a similar non-integrated plan for a foreign dependant, without the MediShield Life component (cpf-and-medishield-life, health-insurance, family-and-children, compare, scenarios, faq) |
| MOH | New requirements for Integrated Shield Plan riders to strengthen sustainability of private health insurance and address rising healthcare costs (press release) | 2025-11-26 | moh.gov.sg | From 2026-04-01 new IP riders cannot cover minimum deductibles; co-payment cap raised to S$6,000; premiums then expected to be about 30% lower (cpf-and-medishield-life, health-insurance) |
| MOH | New Integrated Shield Plan (IP) Riders | Updated 2026-05-04 | moh.gov.sg | Premiums of new riders with maximum coverage around 35–40% lower than legacy riders (health-insurance, compare, scenarios, faq) |
| MOH | Reviewing usage of MediShield Life and Integrated Shield Plans for overseas outpatient and inpatient medical treatment (parliamentary reply) | 2025-02-04 | moh.gov.sg | MediShield Life covers subsidised bills at public hospitals in Singapore and is not extended to overseas treatment; most IPs cover emergency overseas treatment on commercial terms (cpf-and-medishield-life, leaving-singapore) |
| CPF Board | How much CPF contributions to pay | Updated 2026-10-19 | cpf.gov.sg | CPF contributions apply to Citizen and PR employees; graduated rates for first two years of PR (overview, cpf-and-medishield-life, scenarios) |
| AIC (ask.gov.sg); CPF Board | CareShield Life eligibility; What is the monthly payout amount for CareShield Life | Accessed 2026-10 | ask.gov.sg · cpf.gov.sg | Who is enrolled; S$689 monthly payout in 2026 (cpf-and-medishield-life, glossary) |
| CPF Board; Great Eastern Life | Dependants' Protection Scheme: Protect your loved ones with DPS; DPS info leaflet; CPF Board extends GE Life's contract as DPS administrator to 2028 | 2025-05-26 and accessed 2026-10 | cpf.gov.sg · greateasternlife.com · cpf.gov.sg | DPS eligibility and cover amounts (S$70,000 / S$55,000); the GE Life leaflet for opt-out, re-joining and the good-health condition with a health declaration (cpf-and-medishield-life, compare, glossary) |
| CPF Board | What happens to my MediShield Life, CareShield Life or ElderShield or IP coverage if I renounce my Singapore Citizenship or PR? | Updated 2026-09-08 | cpf.gov.sg | National scheme cover ends on renouncement; IP MediShield Life component ends at policy year end; CPF accounts for foreigners closed 2024-04-01 (cpf-and-medishield-life, leaving-singapore, scenarios, faq) |
| MOH | Revision of Hospital Subsidy for Foreigners | 2006-12-11 | moh.gov.sg | No healthcare subsidy for non-PR foreigners from October 2007 (historical; no current charges cited) (cpf-and-medishield-life, health-insurance) |
Inland Revenue Authority of Singapore (IRAS) and Ministry of Finance (MOF)
Singapore tax rules only. Tax in your home country or next country of residence is outside the scope of this site.
| Institution | Title | Date | Link | Used for (pages) |
|---|---|---|---|---|
| IRAS | Working out my tax residency | Updated 2026-05-12 | iras.gov.sg | 183-day test and administrative concessions (life-and-critical-illness, first-90-days, leaving-singapore, faq) |
| IRAS | Tax reliefs | Updated 2026-08-14 | iras.gov.sg | Personal reliefs only for Singapore tax residents; S$80,000 overall relief cap (life-and-critical-illness, faq) |
| IRAS | Life Insurance Relief | Updated 2026-08-10 | iras.gov.sg | Conditions and amount of life insurance relief; policy must be on own or spouse's life; excluded policy types including critical illness, health, endowment, riders and investment-focused ILPs (life-and-critical-illness, faq) |
| IRAS | What is taxable, what is not; Estate Duty | Accessed 2026-10 | iras.gov.sg · iras.gov.sg | Insurance payouts are capital receipts; no estate duty for deaths on or after 2008-02-15 (life-and-critical-illness, leaving-singapore, faq) |
| IRAS | Basic information for account holders of Financial Institutions (CRS) | 2021-10-19 | iras.gov.sg | Account holders' duty to give and update tax residency information; penalty for false information (first-90-days, process, leaving-singapore, scenarios, faq) |
| IRAS | CRS Registration and Deregistration | Updated 2026-08-19 | iras.gov.sg | A Specified Insurance Company (an insurer that issues or must pay under cash value insurance or annuity contracts) must register for CRS if resident in Singapore or a Singapore branch (overview, first-90-days, leaving-singapore, scenarios, faq, glossary) |
| IRAS | CRS Overview and Latest Developments | Updated 2026-09-09 | iras.gov.sg | Amended CRS from 2027-01-01 (first-90-days, process, leaving-singapore, scenarios, faq, glossary, alt/overview, alt/faq) |
| MOF | Singapore and the United States sign agreement to facilitate FATCA compliance by Singapore financial institutions | 2014-12-09 | mof.gov.sg | Model 1 IGA; reporting of US persons' accounts via IRAS (process, leaving-singapore) |
| IRAS | Singapore–US FATCA Intergovernmental Agreement and Regulations enters into force | 2015-03-18 | iras.gov.sg | Entry into force of the FATCA IGA (process, leaving-singapore) |
| IRAS | Tax clearance for non-Singapore citizen employees | Updated 2026-03-04 | iras.gov.sg | Employer files IR21 at least one month before employment ends and withholds monies due (leaving-singapore) |
Policy owner protection and dispute resolution
Statutory protection for policy owners and the independent dispute resolution body.
| Institution | Title | Date | Link | Used for (pages) |
|---|---|---|---|---|
| Singapore Deposit Insurance Corporation (SDIC) | PPF Entitlement; Scope of PPF Coverage | Accessed 2026-10-24 | sdic.org.sg · sdic.org.sg | S$500,000 guaranteed sum assured and S$100,000 guaranteed surrender value per life assured per insurer; life policies issued in Singapore cover residents and non-residents, while specified personal general lines are covered only where the risk arises in Singapore or the owner is resident (overview, insurance-system, international-medical-insurance, life-and-critical-illness, compare, claims-and-complaints, leaving-singapore, faq, glossary) |
| Financial Industry Disputes Resolution Centre (FIDReC) | FIDReC home page | Accessed 2026-10-24 | fidrec.com.sg | Free filing; S$150,000 adjudication limit per claim; mediation then adjudication (overview, insurance-system, international-medical-insurance, compare, claims-and-complaints, faq, glossary) |
| Attorney-General's Chambers (Singapore Statutes Online) | Financial Advisers (Complaints Handling and Resolution) Regulations 2021 | In force 2022-01-03 | sso.agc.gov.sg | Financial adviser firms: final response within 20 business days (insurance-system, claims-and-complaints) |
Industry associations: LIA and GIA
Industry associations are not regulators. Timelines they publish are industry guidance, not statutory deadlines.
| Institution | Title | Date | Link | Used for (pages) |
|---|---|---|---|---|
| LIA | Singapore's life insurance sector achieves 11.3% growth for 2025 (media release) | 2026-02-11 | lia.org.sg | LIA profile; 3.00 million lives (about 71% of residents) with IPs; S$14.23 billion paid out in 2025 (insurance-system, health-insurance) |
| LIA | When Things Go Wrong | Accessed 2026-10-24 | lia.org.sg | Life insurer complaint timelines; FIDReC within six months of the final letter (insurance-system, claims-and-complaints) |
| LIA | Making a Claim | Accessed 2026-10-24 | lia.org.sg | Claim notice, acknowledgement, decision and payment timelines; interest on death claims paid after two months (claims-and-complaints) |
| LIA | Guide on Submission of Death Claims to Life Insurer for Assessment (Death Claim Infographic v1.0) | 2025-11 | lia.org.sg | Death claim documents; overseas certification and translation; resealing of foreign grants (family-and-children, claims-and-complaints, leaving-singapore) |
| LIA | LIA Critical Illness Framework 2024 — Part 1 of 4 (MU 58/25) | 2025-05-13 | lia.org.sg | 37 severe-stage CI definitions; Version 2019 products not sold from 2025-10-01 (life-and-critical-illness, glossary) |
| LIA and MoneySENSE | Your Guide to Life Insurance (v2.0) | 2020-05 | lia.org.sg | Grace period usually 30 days; reinstatement usually within two years (life-and-critical-illness, process, leaving-singapore) |
| LIA | Your Guide to Nomination of Insurance Nominees (v1.0) | 2026-03 | lia.org.sg | Trust and revocable nominations; S$150,000 proper claimant payment under section 150 (life-and-critical-illness, family-and-children, process, claims-and-complaints, faq, glossary) |
| LIA | compareFIRST | Accessed 2026-10-24 | lia.org.sg | Comparison portal for direct purchase, term, whole life and endowment products (life-and-critical-illness) |
| GIA | About GIA | Accessed 2026-10-24 | gia.org.sg | GIA profile (established 1966) (insurance-system) |
| GIA | Insurance Disputes | Accessed 2026-10-24 | gia.org.sg | General insurer complaint steps and timelines; FIDReC within 6 months of the final reply (overview, insurance-system, international-medical-insurance, compare, claims-and-complaints, faq, glossary) |
| GIA | GI Results 2025 (media release) | 2026-03-25 | gia.org.sg | 2025 general insurance premiums, including S$1.24 billion health premiums (health-insurance) |
Population statistics
Official population figures. Figures for June 2026 reported in the media are listed under secondary sources.
| Institution | Title | Date | Link | Used for (pages) |
|---|---|---|---|---|
| National Population and Talent Division (Strategy Group) | Population in Brief 2025: Key Trends | 2025-09-29 | population.gov.sg | Total population 6.11 million and 1.91 million non-residents (June 2025) (overview) |
Insurer documents (examples only)
Documents from a single insurer are used only to illustrate the kind of questions insurers ask. Other insurers differ, and the policy contract governs.
| Institution | Title | Date | Link | Used for (pages) |
|---|---|---|---|---|
| Etiqa Insurance Pte. Ltd. | Foreign Life and Residence/Travel Questionnaire, form EIPL/NB/UW/ForeignLifeTravelResidence/02/2025 (one insurer's published questionnaire) | 2025-03 | etiqa.com.sg | Example of questions an insurer asks foreign applicants: whether you hold one of the listed passes, where you mainly live and why, assets in Singapore, why a Singapore-dollar policy, intentions on leaving, and (for some applicants) plans to live elsewhere in the next two years; not a statement of industry rules (overview, life-and-critical-illness, process, leaving-singapore, faq, alt/overview, alt/faq) |
Secondary sources
These sources are media reports of official data. Where they are cited, the page says "as reported by" and the official figure for the previous year is preferred.
| Institution | Title | Date | Link | Used for (pages) |
|---|---|---|---|---|
| The Star (reporting Population in Brief 2026) | Singapore population grows 1.6 pct to 6.21 mln in June 2026 | 2026-09-26 | thestar.com.my | Reported total population of 6.21 million and 1.98 million non-residents as at June 2026; the official PDF was not obtained. Listed for reference; pages prefer the official June 2025 figures (overview) |
Items not used as figures or rules
The following points could not be confirmed from a primary source when this site was written (October 2026). They are not used as figures or rules anywhere on the site, and the pages describe them only in general terms.
| Item | Status | How the site handles it |
|---|---|---|
| Official Population in Brief 2026 figures | Only media reports seen; the population.gov.sg 2026 key-trends page was not found (404) when checked on 2026-10-24 | June 2025 official figures used and labelled as the latest official figure reviewed |
| Text of the Insurance Act provision prohibiting unlicensed insurance business | Statute page not retrieved | Described through MAS and MoneySense pages, without section numbers |
| Continuation or conversion of group medical cover after leaving an employer | No current official source | Pages say some group policies offer continuation or conversion options; check with HR and the insurer |
| Whether policies issued by unlicensed overseas insurers fall outside the PPF and FIDReC | Not stated expressly by SDIC or FIDReC | Pages quote the SDIC scope and FIDReC membership rule and do not draw a conclusion |
| FIDReC eligibility for complainants living outside Singapore | Not stated on FIDReC's website | No restriction or entitlement is stated |
| US tax treatment of non-US life policies held by US persons | No primary source reviewed | Pages advise US citizens and tax residents to take US tax advice |
| Effective date and previous amount of FIDReC's S$150,000 adjudication limit | FIDReC's home page states the limit but no effective date; the date appears only in media reports and study guides | The limit is cited without an effective date |
| Charges for foreigners at public hospitals | No verifiable official amount | No amounts are given |
| Whether the 2011 parliamentary reply on non-resident subsidies remains the latest statement | Only seen in search snippets | Not cited |
Internal briefing materials used to understand how readers frame their questions are not cited as sources and supply no figures on this site.
Sources and dates
- Dealing with unregulated persons — MoneySense (MAS) · 2026-07-02
- Medical insurance requirements for S Pass holders — Ministry of Manpower (MOM) · 2026-09-18
- MediShield Life — CPF Board · 2026-09-17
- What happens to my MediShield Life, CareShield Life or ElderShield or IP coverage if I renounce my Singapore Citizenship or PR? — CPF Board · 2026-09-08
- Working out my tax residency — Inland Revenue Authority of Singapore (IRAS) · 2026-05-12
- Scope of PPF Coverage — Singapore Deposit Insurance Corporation (SDIC) · 2026-10
- FIDReC home page — Financial Industry Disputes Resolution Centre (FIDReC) · 2026-10
- Your Guide to Nomination of Insurance Nominees (v1.0) — Life Insurance Association Singapore (LIA) · 2026-03
- Medical insurance requirements for Work Permit holders — Ministry of Manpower (MOM) · 2026-09-18
- Reviewing usage of MediShield Life and Integrated Shield Plans for overseas outpatient and inpatient medical treatment — Ministry of Health (MOH) · 2025-02-04
- CRS Registration and Deregistration — Inland Revenue Authority of Singapore (IRAS) · 2026-08-19