Wednesday 24 March 2021

Coverage for Covid vaccinations side effects in Singapore

If you are like me, you might be looking for insurance that covers side effects and/or complications that result in hospitalisation that may arise from taking the current approved Covid-19 vaccines in Singapore.

That is, looking for coverage for vaccination side effects and not for getting Covid-19 itself. 

So are you covered for Covid-19 vaccination side effects? 

Maybe. 

Early this year, insurance companies currently providing the Integrated Shield Plan (IP) will be extending their health coverage to also cover Covid-19 vaccination complications that result in hospitalisation. 

That is:  

  • All seven Integrated Shield Plan (IP) insurers are extending coverage to Covid-19 vaccination complications that result in hospitalisation.

  • This will apply to all IP policyholders who receive Covid-19 vaccines approved by the Health Sciences Authority and are vaccinated in Singapore, the Life Insurance Association, Singapore (LIA Singapore) said on Monday (Jan 25).

  • The special coverage will last till Dec 31, 2021.


So you may be wondering:

  • What if you are not currently a policyholder for any of the seven Integrated Shield Plan (IP) insurers?
  • Will you still be able to be covered?
  • How to get covered for Covid-19 vaccination side effects? 

Insurance coverage for Covid vaccinations for non policyholders in Singapore

If you are not already covered via the current Integrated Shield Plan insurers listed above, there are a couple insurance companies that I found that are running campaigns for non-policyholders and offering free insurance coverage to cover Covid vaccination complications that result in hospitalisation.

These include:

  1. Prudential PRUSafe COVIDCover, for the first 100,000 sign ups. https://www.prudential.com.sg/others/prusafe-covid-cover#overview 

  2. AIA Covid-19 Vaccine Cover, for the first 200,000 sign ups via one of their AIA agents. https://www.aia.com.sg/en/AIACovid19VaccineCover.html 
  3. DBS Bank Covid-19 Vaccine Protect. https://www.dbs.com.sg/personal/insurance/protection/protection-plans/covid-19-vaccine-protect
  4. The Government via the Vaccine Injury Financial Protection (VITFP) insurance scheme https://www.moh.gov.sg/covid-19/vaccination/vifap

Please do note that the coverage they offer only includes:

  • Insurance coverage if one is hospitalised due to COVID-19 vaccinations. That is, any adverse effects from the vaccine resulting in hospitalisation will be covered.

  • That means that any side effects (which should be minor) that do not result in hospitalisation are likely not to be covered.

  • Please do note that signing up with these insurance companies will mean that will need to be open and comfortable for them to include you in their future insurance marketing campaigns.

  • The terms may change from when I checked their website, so best to read the terms and conditions yourself to confirm it continues to be accurate.


Prudential PRUSafe COVIDCover via Pulse app


PRUSafe COVIDCover is a complimentary insurance plan that gives you additional peace of mind that you are financially protected against the side effects of the COVID-19 vaccination

  • Open for all Singapore residents who are 18 years old or above. This includes all Singapore Citizens, Permanent Residents, and Foreigners with valid passes

  • $100 / day (up to 14 days), for hospitalisation directly due to the side effects of the COVID-19 vaccination within 7 days of each vaccination dosage

  • Policy coverage will end on 31 Jan 2022

  • Only 100,000 policies available

  • Can sign up online via their Pulse iOS or Android mobile apps. Sign up ends 31 July 2021.

More details https://www.prudential.com.sg/others/prusafe-covid-cover


AIA COVID-19 Vaccine Cover



  • Open to all Singapore Residents aged 2 weeks to 65 years old (Age Last Birthday)

  • $500 / day^ (up to 2 days) if you are hospitalised due to COVID-19 vaccine complications. That is, up to $1000

  • Policy coverage will end on 31 Dec 2021

  • Only 200,000 policies available

  • You will also need to sign up via an agent. Sign up ends 31 October 2021. 

Notes:

  • ^Minimum 24-Hours hospital stay is required.

  • Singtel is an agent too so you might be able to signup in your MySingtel app


Please also note AIA Vaccine Cover Claim submission requirements:
  • Please be informed that we have attached claim form with claim procedures for your reference and we do not accept claim submission via email. Kindly submit the hardcopies to our AIA office at the following address for processing: AIA Singapore Private Limited Corporate Solutions, Claim Department 3 Tampines Grande, AIA Tampines #07-00, Singapore 528799
  • FOR HOSPITALISATION INCOME BENEFIT CLAIM Please furnish the following documents within 90 days from date of incurred :- a) Duly completed Section 1 of the Claim Form* b) Copy of the Hospital Discharge Summary / Duly completed Section 2 of the Claim Form by the Attending Doctor* c) Copy of Laboratory Report* d) Claims settlement (if payable) will be made payable to the insured member
  • FOR HOSPITALISATION INCOME BENEFIT CLAIM DUE TO COVID VACCINATION COMPLICATIONS Please furnish the following documents within 90 days from date of hospital discharge :- a) Duly completed Section 1 of the Claim Form* b) Duly completed Section 2 of the Claim Form by the Attending Doctor* c) Copy of the Hospital Discharge Summary* d) Copy of Laboratory Report* e) Copy of Covid19 Vaccination Card* f) Claims settlement (if payable) will be made payable to the insured member


DBS Bank Covid-19 Vaccine Protect



  • Open for all DBS customers that are Singapore residents who are 18 years old or above. This includes all Singapore Citizens, Permanent Residents, and Foreigners with valid passes

  • $100 / day (up to 14 days), for hospitalisation directly due to the side effects of the COVID-19 vaccination within 14 days of each vaccination dosage

  • Policy coverage will end on 31 December 2021

  • Unique to DBS - they also cover Covid-19 for 30 days from the date that you submit your application.

  • Can sign up online via their website. Sign up ends 30 June 2021.


COVID-19 Cover – 30 days coverage from the date you apply  

  • Daily Hospital Cash Benefit of SGD 100 per day, up to 14 days 
  • ICU Hospital Cash Benefit of SGD 1,000 (lump sum) 
  • Bereavement Assist Benefit of SGD 10,000 (lump sum) 

Post COVID-19 Vaccination Cover – 14 days coverage from each vaccination date (up to 2 times)  

  • Daily Hospital Cash Benefit of SGD 100 per day, up to 14 days 
  • ICU Hospital Cash Benefit of SGD 1,000 (lump sum) 
  • Bereavement Assist Benefit of SGD 10,000 (lump sum) 

Receive the 2-year DBS Parkway Programme, including 2 teleconsultation sessions on us*  

*This programme is jointly organised by DBS and Parkway Shenton



Vaccine Injury Financial Protection insurance scheme


The Government is offering this VIFAP program as a goodwill financial assistance scheme that is independent of existing healthcare financing and insurance schemes. 

VIFAP (Vaccine Injury Financial Protection insurance scheme if you are worried about the vaccine and receive side effects. 

The aim of the VIFAP is give greater peace of mind to persons taking the vaccination, as we work towards as high a coverage of COVID-19 vaccination as possible in Singapore. 

The amount of financial assistance provided is fixed and dependent on the severity of the serious side effect, as indicated in the table below. 

  Type of Serious Side Effect One-time Pay-out Amount 

1 Results in death or permanent severe disability $225,000

2 Requires admission to High Dependency or Intensive Care, with subsequent recovery $10,000

3 Requires inpatient hospitalisation and medical intervention, with subsequent recovery (Excluding observation at A&E, without subsequent inpatient admission or medical intervention) $2,000

Notes and FAQ shared by VIFAP:

  • The Vaccine Injury Financial Assistance Programme for COVID-19 Vaccination (VIFAP) provides one-time goodwill financial assistance to persons who experience serious side effects that are assessed to be related to COVID-19 vaccines administered in Singapore.  

  • To qualify for the VIFAP, individuals must be a Singapore Citizen, Permanent Resident or long-term pass holder who has received the COVID-19 vaccination in Singapore, and experienced a serious side effect that is potentially life-threatening or fatal, and has required inpatient hospitalisation or has caused persistent incapacity or disability. The serious side effect must be assessed by a doctor to be linked to the individual’s COVID-19 vaccination.  

  • The VIFAP provides an additional layer of financial support for patients who had suffered from serious side effects caused by the vaccine.

  • The VIFAP is not meant to reimburse medical costs associated with the serious side effect. 

  • Individuals who experience side effects after their COVID-19 vaccination can continue to receive support through applicable healthcare financing schemes, such as MediShield Life and subsidies at our public healthcare institutions. 

  • Persons with private insurance may wish to check with their insurance provider on their coverage details.

More details https://www.moh.gov.sg/covid-19/vaccination/vifap


Other useful links:

In case you are wondering, I do not work for any insurance company and/or the Government, and am just writing this to help you find information that helps you make an informed decision. I hope it helps! 

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