Coverage for accidental death before your policy starts
Learn about insurance cover for death caused directly and solely by an accident in Singapore between first premium payment and the policy start date.
When this cover may apply
An insurer may provide cover if your death is caused directly and solely by an accident in Singapore. This cover applies from the time the insurance company receives your completed and signed application form together with full payment for the first premium until the start date of that policy.
This explanation reflects information provided by the Life Insurance Association Singapore, a joint project with the Consumers Association of Singapore (CASE), the Monetary Authority of Singapore (MAS), and MoneySENSE.
Understanding the conditions
The cover is limited to accidental death in Singapore. The accident must be the direct and sole cause of death, and the timing must fall strictly between the insurer’s receipt of the signed application with first premium payment and the policy’s official start date.
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