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Death Benefit
What Expats in Singapore Should Know
Understand how death benefits work in health insurance and how they can protect your loved ones.
What is a Death Benefit?
A death benefit is a lump sum payment made by your insurer to a nominated beneficiary if you pass away due to a covered cause, such as an accident or illness. While more common in life insurance policies, some health insurance plans — particularly international or comprehensive expat plans — may include a death benefit.
For expats living in Singapore, including a death benefit in your coverage can provide peace of mind that your family or dependents will have financial support during a difficult time.
How Does It Work?
You nominate a beneficiary: This could be a spouse, child, or another loved one.
Your insurer pays the benefit: In the event of your death (under covered conditions), the lump sum goes to your beneficiary.
Benefit amount: The payout value is defined in your policy.
💡 Tip: Review and update your beneficiary details regularly, especially after major life events like marriage, divorce, or the birth of a child.
Risks and Considerations
Not all health plans include it: Death benefits are often optional or only part of certain plans — don’t assume you have this protection.
Exclusions apply: Death due to excluded causes (such as certain high-risk activities or pre-existing conditions) may not be covered.
Administrative delays: Ensure your paperwork is up to date to avoid delays in payout.
Benefits and Key Takeaways
Financial support for loved ones: A death benefit helps ease the financial burden on your family in a time of loss.
Added peace of mind: It’s a way to ensure your health insurance plan also provides some life cover.
Customised protection: You can often adjust or add this benefit to suit your personal needs.
Next Steps
Not sure if your current health insurance includes a death benefit? Our Interexpat team can review your plan and advise on options tailored for expats in Singapore.
