GPA Insurance Policy for Students
Find out what the MOE GPA Insurance covers for students and how to submit a claim online.
GPA Insurance Policy for Students
Insurance Plan for Students 2026
Introduction
A Master Contract for GPA has been established by MOE HQ since 2018. The purpose is to reduce admin workload for schools and leverage on economies of scale to obtain better coverage.
All government and government aided schools have been included in the cover and need not pay for the premium.
Coverage
The Group Personal Accident (GPA) Insurance for Students covers death, permanent and total/partial disability and medical expenses. The triggering causes of injuries must be attributed to an accident.
The GPA Insurance for Students does not cover for pre-existing conditions.
The GPA Insurance covers each student when the student is
In his or her school;
Participating in the school’s activities, or any activity related to the school, including home-based learning and blended learning, Co-Curricular Activities (“CCAs”) and sports, regardless of the time at which such activities are conducted and whether the activity is conducted in the school, in Singapore, or elsewhere;
Commuting from (or to) his or her place of residence, including a hostel, to (or from) either the school’s premises or the place where an activity covered by the GPA Insurance will be conducted, including any reasonable deviations. For the avoidance of doubt, the Student’s place of residence may include a place that is not in Singapore.
In the case of a primary-level Student, in addition to sub-paragraphs (a), (b) and (c):
i. In the student care center located in his or her school;
ii. Participating in any activity conducted by the abovementioned student care centre, regardless of the time at which such activity is conducted and whether the activity is conducted in the student care centre, in Singapore, or elsewhere; and
Exclusions
Treatment incurred for more than 365 days from date of accident
Treatment of an injury not as a result of an accident
Private Physiotherapy or alternative treatments (treatments such as Herbalist, Podiatrist, Naturopathy, Ayurveda)
Non prescribed medication or mobility aids (such as crutches, wheelchairs etc.)
Updated Benefits / Sum Insured / Extensions / FAQ
The factsheet below gives information on the contract period, coverage, benefit/sum assured and other details.
Online Claims Submissions & Verifications
From 2025, it is mandatory to submit MOE GPA insurance claims online via the weblink shown below. The electronic submission allows parents/students to check the claims status through the online portal and also expedites the claims processing by Income Insurance Ltd (Income).
You may also visit the Income GPA website for claims, FAQs and other details at https://www.income.com.sg/studentgpa
Frequently Asked Questions
A list of FAQs can be found here:
For other enquiries, please write to MOE_Insurance@moe.gov.sg
Contact Details
Click on www.income.com.sg
CALL the hotline at 6788 1777
Mon-Fri: 9.00am to 6.00pm
Sat, Sun, & Public Holidays: Closed