Your ability to earn income is your greatest asset. Disability income insurance provides monthly payments if illness or injury prevents you from working, replacing a portion of your salary so you can focus on recovery without financial stress.
Why It Matters
If you couldn't work for 6 months due to illness or injury, how would you pay your bills? Most expats have good savings, but disability can drain them quickly. Rent, school fees, insurance premiums, and daily expenses don't stop just because your income does.
Disability income insurance replaces 50-75% of your income during periods when you can't work. Unlike critical illness insurance (which pays a lump sum), DI provides ongoing monthly payments that mirror your regular salary, exactly when you need it most.
If you become disabled and can't work, your Employment Pass becomes invalid within 30 days. DI insurance provides a crucial financial bridge while you figure out next steps, whether that's recovery, repatriation, or conversion to another pass type.
Can't perform your occupation due to illness or injury
Can work reduced hours or in limited capacity
Typically 50-75% of your pre-disability income
2 years, 5 years, or until retirement age (65)
Expert Advice
This pays if you can't do YOUR job. "Any occupation" means they only pay if you can't do ANY work, which is much harder to claim.
2-year plans are cheaper, but serious disabilities can last longer. A benefit period to age 65 provides real long-term security.
30-day waiting periods cost more than 90-day ones. If you have savings to cover 3 months, choose 90 days to reduce premiums.
Life insurance pays if you die. CI pays for major illnesses. DI fills the gap for non-critical conditions that still stop you working.
Common Questions
TPD (Total & Permanent Disability) in life insurance pays a lump sum for permanent disabilities. DI pays monthly for temporary or permanent disabilities. DI is easier to claim and covers more conditions.
Some employers offer group disability coverage, but it's often limited (e.g., 3-6 months paid sick leave). Check your benefits package. Personal DI provides longer, more comprehensive protection and you keep it when changing jobs.
Depends on the policy. Some Singapore DI plans are territorial, others provide worldwide coverage. If you plan to relocate, confirm portability before purchasing or consider international DI products.
Get a personalized disability income insurance recommendation.